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    • 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!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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Guidelines - Requests For An Original Agreement Under The Consumer Credit Act 1974


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Ok. Here are all the documents that I received when I put in my copy of a credit agreement request. To me none of this look like a credit agreement. One of the pages does say credit agreement but there isn't any signatures at all. Another sheet says it's an application.

 

Please would somebody be kind enough to have a look and tell me their thoughts.

 

Many thanks in advance.

Credit Agreement 00.jpg

Credit Agreement 01.jpg

Credit Agreement 02.jpg

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Please start your own thread and post these up there, as you'll get more attention and specific information that shouldn't be posted here.

 

Just keeps the forums clean and tidy. ;)

 

Post a link here once you've done that;

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

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Thats better.

 

Ok.

(1) This is an application form and is not acceptable on its own to enforce an agreement.

 

(2) The first line at the top of

Credit Agreement 04

 

states it is PRE-Contract Information

 

 

(3)

Credit Agreement 05

 

Is dated 12th January 2006 and states that the loan started THAT DAY.

 

(4)

Credit Agreement 02

 

Contains a box for you to sign and date- It is unsigned and undated

Below is the Banks space for the Manager to sign- It is unsigned However it is dated 12th January 2006 - Which is 7 days before they state the loan agreement was to start.

 

 

Please remember that I am not legally qualified and it is only my advice.

GOOD LUCK

hsbcfiddled

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Rubyrose - as has been mentioned, they can supply a copy of the agreement that isn't a copy of the agreement you signed... (if that makes sense). But, before they start court proceedings they had better have a true copy of the agreement showing your signature on a document with prescribed terms - otherwise game over. Contradictory eh?

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Edz you have just given me inspiration as to what to say to the latest DCA on my LTSB card (AIC). I shall simply send them a sheet of A4 with my reference number on the top saying in extremely large print "GAME OVER". :lol::lol::lol:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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And indeed to DLC/Hillesdens for my Barclaycard.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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EDZ11 -so when am i supposed to get the original signed copy to make sure that it is the original. Are they supposed to disclose it to me before court proceedings. Surly they cannot produce it at the hearing as i would not have been given adequate time to consider its validity.

 

Ruby

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Rubyrose and mobileminx. I sent this letter on my OH behalf to a solicitor acting for a DCA.

 

 

from; mrs hsbcfiddled.

4th December 2007

to; Solicitor

I DO NOT ACKNOWLEDGE ANY DEBT TO DCA

Dear Sirs,

I received today your letter dated 30th November 2007 and postmarked the 3rd December 2007 that was in reply to my letter to you of 12th November 2007

In your letter of 30th November 2007 you have stated that you refuse my offer of £1 per calendar month and suggest £5 PCM even though I have explained my circumstances to you in my previous letter of the 12th November 2007.

However, you appear to have overlooked the fact that my offer of £1 PCM was ONLY IF you were able to produce the original agreement in a court of law.

I have repeatedly requested ‘a true copy of the agreement’.

You are adamant that a reconstructed agreement is acceptable.

I accept that the CCA1974 does allow you to reconstruct an agreement, when requested.

But you must retain the original agreement- why not look up the relevant section in the Consumer Credit Act 1974? You should know! You’re the professionals!

If your client has decided to destroy the original agreement and is prepared to purely rely upon a microfilmed reconstruction then please proceed to court where you can try your theory out.

My advice to your client would be that you as his solicitors are wasting his money on a case that you cannot win without the original agreement.

When I appear in court I shall show the court evidence that I have repeatedly requested sighting of a ‘true copy of the original agreement’ and had it been provided to me my appearance in court would not be necessary.

I believe that you are wasting the courts, your clients, and my time.

I believe the refusal to provide a true copy of the original agreement is because you have NOT retained the original agreement and that by providing reconstructed copies from microfilm you hope to assuage me into further payments.

I repeat my offer of £1 per calendar month, BUT ONLY IF, the original agreement is produced for my or the courts inspection.

Produce it to me or produce it in court. The choice is yours.

You state that you do not intend to enter into protracted correspondence. Well that’s fine by me. Please accept this as my final correspondence in the matter.

Yours Sincerely,

mrs hsbcfiddled

 

I have had no reply to date.

The point of the letter being that should it go to court the judge would then see that you have done your very best to avoid the court action.

What do you or anyone else think?

hsbcfiddled

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Honey1932 - I am not dealing with any particular company at the moment. I am just educating myself. I just don't have the guts like all of you here. I find it a rather daunting task, nevertheless prior to finding this site i had already engaged the services of a company to deal with these matters. It is extremely stressful and i don't like to find myself in constant conflict but i feel knowledge is power and i should know what those handling our money do to us.

HSBCfiddled thanks for sharing that letter yet again very informative. I hope by being around all of you on this forum i would get the nerve to challenge these organisations on my own steam - but right now i just couldn't deal with it.

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hi chaps , just a quickie , is a form that clearly say,s SKYCARD APPLICATION FORM . And does not show the credit limit anywhere , a true signed copy of the CONSUMER CREDIT AGREEMENT ? thankyou .

 

If it's missing a credit limit, (a prescribed term) it can call itself what it likes but it ain't no consumer credit agreement.

 

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Rubyrose, I know exactly where you are coming from, I am brand new to this and its making me feel ill. I started out asking for a cca in Oct and planned to take it from there, I am in the very early stages and have not got the bottle to let it go to a DCA, I don't want it to go that far.

 

If I could afford to carry on paying I would happily do so, I am looking at my opitions and hoping to settle for half the debt if poss. If it gets too tricky I will put it in the hands of a solicitor, especially if I find the agreement (when it eventually arrives) is unenorceable.

 

There is so many conflicting opinions, one minute I am up in the air thinking I have nothing to worry about, then someone comes along and puts me in despair.

 

Honey

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