Jump to content


  • Tweets

  • Posts

    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Oh dear i need help


tigtig
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6244 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Everyone

 

I've got major problems with natwest at the moment and i just dont know what to do. I'll start at the beginning.

 

Last Aug i started to send letters to natwest asking for my charges back, i sent the first and second letters but with no joy. At around this time i feel in deep depression and started to bury everything under the carpet because i just couldn't handle any of it.

 

Of course since then they have added more and more charges and have bounced loads and loads of cheque's. They are still bouncing cheques that i wrote last year. God i'm in such a mess.

 

My question is now i'm ready to deal with everything again what should i do. Because i sent first 2 letters in last year should i go straight to the court stage or should i send the letters again. Or do i have no hope of getting my charges back at all bacause i've been so slack.

 

Natwest has rang me and told me that the account will go to a debt collecting agency in 28 days. When i told them i was going to try and claim my bank charge back they told me i was completely disillusioned and that i was not taking any of this seriously.

 

They then told me that they would send a debt collector round to my house to collect goods. Are they trying to bully me or can they really do that.

 

Any advice would be great

 

Thanks

 

Rachel

Link to post
Share on other sites

hi Rachael

 

don't get upset you will get your money back,just read lots of threads and get agood understanding of what happens,once you understand what & why things happen you will get your confidence and will be able to handle the process easily.look through the threads and you will find aletter to send to the bank explaining that you are in dispute with them,i believe they will call of the debt collectors then.keep posting what is happening there is loads of people on this site in the same or worse position as yourself. One thing i do know is be patient and follow the advise on cag and you will get your money back

SO BE STRONG WE'RE THERE FOR YOU

 

Good luck

 

Scott

Link to post
Share on other sites

Guest NATTIE

Sorry rachel, i read half the post so apologies, i think you need to write and say that the account is in dispute which should stop any DCA's from coming round, i believe. Good job scott, you posted or i would have missed some info. Sorry again rachel.

Link to post
Share on other sites

Hi Rachel - I think you're really brave having another go at reclaiming your charges back after you've been through such an awful time. Depression's a horrible thing to happen, especially when you're going through the wringer financially. The good thing is, you're pursuing your charges again! Do as Nattie advises and update your charges schedule and post your final letter off.

 

Keep us posted, and if you need any support, encouragement or advice, just post on this thread. There's always somebody in the forum to help.

 

Best of luck to you - Hedgey xxx ;)

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

Link to post
Share on other sites

Thank you so much for the encouraging words its has made me feel a lot more optimistic again. First thing tomorrow i will get typing a letter to natwest!!!

 

Rachel

Link to post
Share on other sites

Good for you Rachel - you've done nothing wrong, you're totally within your rights to claim your own cash back - so get your money!!!! Good luck - keep us posted! Hedgey xxx :p

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

Link to post
Share on other sites

Hi Everyone

 

I've got major problems with natwest at the moment and i just dont know what to do. I'll start at the beginning.

 

Last Aug i started to send letters to natwest asking for my charges back, i sent the first and second letters but with no joy. At around this time i feel in deep depression and started to bury everything under the carpet because i just couldn't handle any of it.

 

Of course since then they have added more and more charges and have bounced loads and loads of cheque's. They are still bouncing cheques that i wrote last year. God i'm in such a mess.

 

My question is now i'm ready to deal with everything again what should i do. Because i sent first 2 letters in last year should i go straight to the court stage or should i send the letters again. Or do i have no hope of getting my charges back at all bacause i've been so slack.

 

Natwest has rang me and told me that the account will go to a debt collecting agency in 28 days. When i told them i was going to try and claim my bank charge back they told me i was completely disillusioned and that i was not taking any of this seriously.

 

They then told me that they would send a debt collector round to my house to collect goods. Are they trying to bully me or can they really do that.

 

Any advice would be great

 

Thanks

 

Rachel

 

Yes they are trying to bully you. Yes they are trying to scare you.

 

Don't believe a word they say. They have absolutely no qualms about lying to you to scare you into paying up money that is rightfully yours.

 

Be strong. Listen to the experienced people on this forum. You might owe them a bit of money - you don't owe them your life or sanity, those belong to you and always will. You can't be put into prison for a debt. A bailiff can't stroll into your house unless he finds a door or window already open.

 

Don't believe the bullsh*t. Fight back.

Link to post
Share on other sites

I'm really sorry to hear of all the problems you had going on, but look into yourself and ask, truly, would you have felt so bad if these bullying banks had tried to help you rather than line their own pockets with your hard earned cash.

I too went through a time of burying my head in the sand, hoping things would all go away, but now, having only been on this site a few weeks, I am ready to take on the world of robbing banks and credit cards.

Best of luck, and chin up, everyone here will hold your hand through the work to be done xx

Link to post
Share on other sites

tigtig,

Loads of help and support available here. Have a quick look at this should help. Don't be worried about asking questions.Good luck. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

And if you need a giggle along the way to bolster your spirits. Pop into the Bear Garden. That should perk you up enough to want to continue the fight. But read read read first....... YOU CAN DO IT. AND YOU CAN WIN...................... BE STRONG. You will get back what is yours, and the abuse of your account by the bank, will be put right. Take Care, Best of Luck............. But go for it now. No delays. Fendy xxx

Link to post
Share on other sites

  • 4 weeks later...

Hi Everyone

 

Well it looks like i'm more trouble.....

 

I'm going to try and cut a long story short if i can

 

Last September i started to try and get my charges back from natwest. But because i fell into some deep depression it all fell apart. I am now getting back on track and ready to fight again.

 

Last week i sent natwest a letter asking for the remainder of my statements so i can finish off working how much they owe me.

 

But now something has really scared me.On Friday i got a letter from Buchananclark+wells (there a debt collection agency) Asking me to phone them and make some sort of payment towards my debt with natwest.

 

If i dont respond within 72 hours then they will send someone around to my house to establish my residency and reason for non-payment.

 

What do i do, the account is in dispute as far as i'm concerned. Can anyone give me some advice on what do to next please.

 

Thank you

 

Rachel

Link to post
Share on other sites

tigtig. Send this letter to Nat West and Buchanclark.Recorded delivery.

 

 

Ask your creditors to hold action on your account.

 

 

 

1 High Street,

Newtown,

Kent

R21 4RH

 

April 23th 2007

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

We are writing to inform you that we are seeking advice and assistance regarding our current financial difficulties.

 

To this end, we would appreciate if you could hold any action on the above account for a period of at least 28 days.

 

Also, during this period, could you please freeze interest and/or any other charges accruing on the above account.

 

We look forward to hearing from you as soon as possible.

 

Yours faithfully

tig

__________________

Thus will give you some breathing space. You will have to work out how much Nat Wests penalty charges are.Have you got all your statements.?

If so send Nat West a prelim letter askimg for your money back. All on here. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/. Keep us posted. Loads of help available here. Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

Visit the National Debtline website National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000, or give them a call 0808 808 4000. They have a personal budget sheet on the website that you can send to the debt collector's outlining your current situation. They will also have advice as to what to say to the collector's and template letters to keep the wolves from the door. I would'nt worry about them knocking on your door at this point.

Link to post
Share on other sites

Hi

 

Thank you for all the great info again, i probably done something a bit stupid but i rang the debt collectors today just to inform them that i'm sending them a letter.

 

The women on the phone was very agressive, and when i told her that i want to claim my bank charges back, she then told me i would not win and that not many people do.!!

 

Natwest wants me to pay back £8000, but the debt collectors said they would settle for £6000!. She then said this must be paid in full within the next 7 days or they will proceed with legal action. Must admit i'm a bit shaky after talking to her. My claim for bank charges is just under £5000.

 

Are they trying to scare me or am i in deep doo doo.

 

I'm going to send them and the bank the letter suggested by parkvale.

 

She also said that even though i'm claiming for my bank charges i will still have to pay them regardless.

 

What does everyone think?

Link to post
Share on other sites

Oh yes i forgot to say when i spoke to the debt collector today i told her that the account was in dispute and nothing could be done until this is over. She then got really irritated and said even though its in dispute they will still proceed with legal action and send a debt collector to my house.

 

Is she right, even though i'm disputing the account can they still come after me and proceed with legal action.

 

Thanks everyone for your support so far.

 

Rachel

Link to post
Share on other sites

Dont worry..................... they can send who the heck they like to see you but you dont have to open the door to them.............. so dont............... they cant do anything so long as the account is in dispute.............. dont take this lying down. Fight back..................... if they are aggressive tell them you will be reporting them to Ombudsman for unnecessary aggression. Take your life back. Dont be weak, stand up be strong and tell them you know your rights, whether you do or not......... ensure that they believe you do.................... thats half the battle......... Just do the letters as youve been advised on here and until the dispute is sorted they cant do anything other than threaten, and in future dont contact them by phone, send them letters, then you have proof of what youve said and when youve said it, i.e. account is in dispute and remember to communicate only by recorded delivery.............. get this thing under way and dont delay............ and tell them you refuse to be intimidated by them and unless they stop the aggression you will report them to the financial ombudsman.......... TAKE YOUR LIFE BACK......... All the best. Fendy xxxxxxxxxxxxxxx

Link to post
Share on other sites

Thank you Fendy, i've sent you a PM!!

 

Just incase the DCA want to pursue me some more can anyone point me in the right direction of a letter that says something along the lines of "the account is in dispute so there nothing that can be done at the moment" type of letter. If that makes sence!!!

 

Thank you everyone

 

Rachel

Link to post
Share on other sites

Yes there is a letter somewhere, I will have a look see if I can find it. But it doesnt have to be anything fancy. Just a basic letter saying you are aware of your rights, etc. etc. and that whilst the account is in dispute, they are unable to enforce any unwanted visits etc. on you. Put you have every intention of dealing with you responsibilities but that once the dispute has been sorted out, you will then get back to them to arrange, payment arrangement for any outstanding monies that the dispute claim does not make. Do not let them in your house and do not invite them in, ever............... You merely shout at that through the door, if they turn up, that the account is in dispute and thus, you will not be dealing with them until the dispute has been sorted out............. be strong.......... know your rights, and do have a look at the links that have been posted above and also on the general debt forum, it has lots of useful information about where you stand and your rights etc. Best of luck.

 

Here try looking in here to see if the letter you need about account being in dispute is in here somewhere........... all the best........ you will be fine......... just send everything to bank or DCA by recorded delivery than you have proof that they have received it and thus cannot bother you anymore until the dispute is sorted out. And copy anything to the DCA also to the bank with whom your debt is with, and always keep a copy for yourself. Fendy xxx

 

http://www.consumeractiongroup.co.uk/forum/general-debt/

  • Haha 1
Link to post
Share on other sites

Hi Rachel, I had the same kind of problem a few months back. I sent them this letter and they passed the debt back to Natwest very fast.. Heard nothing else since!

Regards, Lisa

 

Dear Sir/Madame, Account ref: ********/**

 

I am writing to you following a telephone conversation on the **/**/2007 regarding the outstanding amount of £***.**. I informed your operator that the amount owing on this account is now in dispute due to the recent events that have come to light with bank charges. The amount outstanding is made up of unlawful charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation.I believe that these charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that the charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79.along with Murray v. Leisure play [2005] EWCA Civ 963 It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that these charges do not reflect any actual and or real loss.

Please be aware that this just does not relate to credit card companies but to any organisation that levies disproportionately high charges for late payment, overdrawn or returned payments.

 

It concerns me that after informing your operator that the whole amount is in dispute you are refusing to freeze any action or pass this account back to your client National Westminster Bank.

I will inform you now that the only form of communication I want from you must be done in writing and I will reply in writing. If you fail to adhere to my request then I will take it as an act of defiance and pursue this matter under the Administration of Justice Act 1970. I must make you aware that I believe you are already in breach of The Office of Fair Trading Code of Guidance in which it states:

PUTTING PRESSURE ON DEBTORS OR THIRD PARTIES IS CONSIDERED TO BE OPPRESSIVE

This includes: Ignoring disputes about whether you owe the money

Refusing to freeze action if you dispute the debt. It is also against OFT regulations for a debt collector to attempt to collect anything in dispute so they must refer the debt back to the original creditor or any further action halted.

Just for your information I will not be making any payments to yourself until after the dispute is resolved.

I hope to receive your full co-operation in this matter and I look forward to reading your written reply.

Link to post
Share on other sites

Hi Rachel, I can't find a letter anywhere (I'm probably looking in the wrong places) but if you have a look through the threads in this forum http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/ you may find some helpful information in here. Fendy's right though.............. stay strong, know your rights, don't let them bully you and stand your ground. Best wishes, hedgey xxx :p

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

Link to post
Share on other sites

Wow cyberbabe what a great letter, thank you for that. I can send that off to them and take some of the worry out of it all.

 

I'm off to Cyprus on the 5th May to get married :) on the 22nd and i'm not back until the 27th. Just want to go away get married and put this in the back of my head until i get back. With this letter it might just keep them busy for 3-4 weeks so i can carry on the good fight when i get back.

 

Thank you everyone

 

Rachel

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...