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    • The "grief tech" firms helping users create talking avatars of their dead relatives.View the full article
    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
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Total bankers***won***


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mistake sorry

 

 

I started a question but realised I knew the answer but sent a blank meesage so was just appologising to all the helpers that would have looked at it in anticipation of helping me with yet another problem:oops:

 

While I am here though, can someone point me to the nudging letter template as I am about to send my second one as 10 days has passed since first?

I know I should know where it is but have the memory of a goldfish!:?

 

Thanks all!

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Has anyone any thoughts on this letter my wife got today from the worlds loco bank.

this is as a result of her going overdrawn for 1 day as a payment went out early. Bear in mind that she has not had any contact with the bank regarding this!

 

"I am pleased to advise you that we have agreed your recent informal request for an overdraft. The balance of your account is now £xxxxxx overdrawn. Please remember, all overdrafts are repayable on demand.

An informal overdraft request occurs when you authorise a payment from your account that, if payed by us, would take you overdrawn. This informal overdraft is specific to the payment concerned. We will reveiw all subsequent informal overdraft requests on an individual basis.

An arrangement fee may be payable for this informal overdraft and any subsequent requests that we agree. We will pre notify you of any such fees before they are passed.

Every informal overdraft we agree to may cost you an arrangement fee. if you anticipate that you may want to make frequent informal overdraft requests, it may be cheaper for you to apply in advance for a formal overdraft. A formal overdraft facility can last for up to 12 months and carries a one off fee of £25"

 

 

it seems to me they are forceing her to agree to the Arrangement fees next time she bounces anything.

Any oppinions:confused:

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Has anyone any thoughts on this letter my wife got today from the worlds loco bank.

this is as a result of her going overdrawn for 1 day as a payment went out early. Bear in mind that she has not had any contact with the bank regarding this!

 

"I am pleased to advise you that we have agreed your recent informal request for an overdraft. The balance of your account is now £xxxxxx overdrawn. Please remember, all overdrafts are repayable on demand.

An informal overdraft request occurs when you authorise a payment from your account that, if payed by us, would take you overdrawn. This informal overdraft is specific to the payment concerned. We will reveiw all subsequent informal overdraft requests on an individual basis.

An arrangement fee may be payable for this informal overdraft and any subsequent requests that we agree. We will pre notify you of any such fees before they are passed.

Every informal overdraft we agree to may cost you an arrangement fee. if you anticipate that you may want to make frequent informal overdraft requests, it may be cheaper for you to apply in advance for a formal overdraft. A formal overdraft facility can last for up to 12 months and carries a one off fee of £25"

 

 

it seems to me they are forceing her to agree to the Arrangement fees next time she bounces anything.

Any oppinions:confused:

 

 

Will this give them a legitamte defence in court to any future claims on charges?

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This is just another way of dressing up unfair penalty fees. It makes no difference to claims and attempt to get charges paid back in the future. The banks however are trying to convince people that things have changed in a vain attempt to put people off claiming charges. Very sneaky!!! But it won't work and we will carry on. :-)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Shakespeare said "a rose by any other name would smell as sweet" but that was in the context of the two lovers in Romeo and Juliet.

 

Personally I like a line Netty used a few days ago "If it barks its a dog" and in this context I’m sure Will would have approved too him being almost a Brumie lad

 

You go over your allowed limit; they write you a letter and tell you then charge you between £25 to £150. Does it really matter what they say in their letter? They have actually done nothing new except write another one off standard letter. It’s still a dog.

 

pete

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Nice one pete, you should be on the stage!

So what peeps are thinking is that this makes no difference to future claims?

I was thinking that after them informing me(well, the wife) of these facts, that if I continued to use the account and exeeded the O/D ,that as I was aware there "may be a charge" for doing this that somehow I had agreed to the charges?

Or is that what they want you think so you wouldn't try to reclaim any future charges?:confused:

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Freaky they are just trying to find ways of making people think that the charges are legitimate and that they can't be claimed back either now or in the future.

 

"Cat's motto No matter what you've done wrong, always try to make it look like the dog did it." :D

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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ok thanks. Thing is they have charged the missus for this 1 day breech and I was unsure how to deal with it as I have not seen this wording before. If you think it is just the useual BS then I will ring them tomm and ask for a refund!:)

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  • 2 weeks later...

Thinking of sending this as my 3rd nudge letter. Any thoughts?

DG Solicitors

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

 

Re: XXXXX - v - HSBC

account no,

claim no and filing date.

 

 

 

I am writing you today in a further effort to ask you to consider my claim. I am most disappointed that you have not even acknowledged my previous correspondence.

 

I have filed my claim on xx/xx/xx. You have defended it at the last possible moment.

I have been notified that the Allocation Questionnaire is being dispensed with in this case and that it has been transferred to Mold County Court with the hearing to be held on 20th June. I have written to you twice in the past, asking for you to consider my claim and reply to me. I have heard nothing. Were this to come before a judge, it would be obvious who has made any attempts at resolution.

It is my feeling that you seem to have no intention of defending this claim in court and are simply procrastinating dealing with my claim.

 

 

I am mindful of the vast number of claims with which you are currently dealing. In order to more speedily resolve this matter, I am willing to accept the sum of £xxxx. I am willing to leave out the amount of £0.50 per day from the date I filed filed the claim if you resolve this claim within 14 days of receiving this letter. I do not agree to waive my rights in respect of any other actions, nor do I agree to a clause of confidentiality.

 

Please find enclosed another copy of my schedule of charges relating to this claim.

 

I hope to hear from you very soon so that a reasonable conclusion to this claim might be achieved. I am sure that the courts would whole heartedly approve of our settling this matter in a timely manner and without their further intervention. I look forward to hearing from you.

 

Sincerely,

FreakyleakyImage1.gif

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Freaky, your supposed to do one every 10 days, don’t think its 30 days since you got transferred to your local court.

There is a fine line between nudging to try to get an offer and harassment. Don’t be over eager unless you have one of these silly mediation directions then you can blame the District Judge

pete

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Pete, you are right, I am not sending it tomorrow, just preparing. 10 days is a long time so just trying to keep busy.

The o/h works in a sols and says that all files that are time sensitive will be bookmarked on the comp and only looked at as and when they need to be, ie 3 weeks before a court date or other deadline. I still think the nudges are a good thing as it does show the court that at least you have tried to resolve. (if it ever got that far).:)

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they must have a damn good computer system if it can take care of this - i don't think most bank's solicitors firms are geared up to what has been happening (keep in mind dg is an -in-house solicitor dealing mostly with collections and other general banking law). and it must be a bit like watching an volcano erupting and the lava flowing towards you....wondering how long you've got before it swallows you.

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