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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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      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.
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Just wondering whether it matters that my schedule of charges doesn't have an explanantion of the charge on. I was unable to use the CAG spreadsheet (could only happen to me and my mistake not CAGs) and so I used a different one.

 

Reason I ask is that I have been browsing the AQ information and it mentions 'explanation of charge' (if any). Will it be enough that I will have my statements showing the reason for the charge?

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Hi there anybodyI put a post on Sunday night and just wondered if anybody else had had the same trouble as me with the spreadsheet. I was reading about the AQ and I just wondered if anybody had done their schedules of charges without an explananation of what the charge was for.Thank you.A.

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I've been looking at the Excel spreadsheet again, determined to get it right, however the spreadsheet isn't calculating the 8% interest for me. Do I have to work it out or is the spreadsheet supposed to work it out for me?Any help much appreciated. Thank you.

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is the spreadsheet supposed to work it out for me?

yes but if you have deleted the example charges, you may have deleted some formula too. Best start with a new s/s

 

See here for a visual guide:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

When entering your charges, don’t delete anything first. Just overwrite the existing examples: type of charge, amount and date.

 

The ‘Days Since’ and ‘8% Interest’ columns will be calculated automatically

 

Save it and print out as your schedule of charges

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Thanks Michael. It's working now.Just a couple of questions. It won't matter if I have a different schedule of charges for my anticipated court bundle, will it (long way off, I know), as the schedule I have been sending the bank has been from the Money Saving Expert site which doesn't show an explanation of the charges. AndIs a cleared transaction when the Bank pays a debit from your account when the account is overdrawn?Regarding the fuller POC you linked me to on Sunday. On the N1, where it says POC (attached) (to follow). Can I just write in 'please find attached' in that space and then attach the fuller POC to my N1?Many thanks. A.

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It won't matter if I have a different schedule of charges for my anticipated court bundle, will it

No

AndIs a cleared transaction when the Bank pays a debit from your account when the account is overdrawn?

Yes

On the N1, where it says POC (attached) (to follow). Can I just write in 'please find attached' in that space and then attach the fuller POC to my N1?

Yes
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Hello there

 

Just wanted to ask what people had put down for the name of their charges in the spreadsheet, if they don't mind.

 

If I were to put in daily charge for the £8, do I just put in monthly O/D charge for the £25.

 

I just wanted to check first please.

 

Thanks for any help. :) A.

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;) Greetings and Welcome masontek:

I had plodded along since on my own since Jan07 up to the letter of refusal from the YB, when I was referred to the CAG site, well you can imagine what I felt like after reading continuos threads and info for 2 whole days regarding the YB and others, I have now today received a Court date for Aug 21 st @2pm , I am claiming an amount of £3,699 and of course the odd pennies [look after the pennies and the pounds will look after themselves , LOL LOL LOL ], I have also completed and submitted 2 more claims for my sons at the same time and have taken over all litigation in these matters with the full authorisation of the account holders, I only found out about it being illegal for the banks to levvy any monies from your benefits through the info on ere so did not include this on my N1 Form, but am saving this as an "ACE" up my sleeve, but after finding this out, have now contacted my new bank that I started with in March 2006 after an argument with the YB, where I was amazed to find that in 1yr they have also charged me £968 just for "Unauthorised overdrtafts " but which have ALL been levied from my benefits. So remember this "better in your pocket than left in theirs" claim what is rightfully yours, and feel free to contact me for any info, regarding although I can only point you in the direction as to where you will get the right info. will follow your thread.;) ;)

click my scales if I have helped ,

 

junkimunki xx

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Just wanted to ask what people had put down for the name of their charges in the spreadsheet, if they don't mind.

 

Just put however it's described on your statements

 

If I were to put in daily charge for the £8, do I just put in monthly O/D charge for the £25.
Sorry, you've lost me. Can you explian whatyou mean?
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Hello junkimunki and thanks.

 

I feel like I'm doing my claim at rather a sluggish rate but I've been getting loads of help as you've probably seen from my thread. I do ask a lot of questions but this is the only way to get it right, and it is a scary process!! I tend to get paranoid and think that I'm doing it wrong, that's my problem.

 

May I ask you what titles you put down on your spreadsheet for your charges? Did you just make your own up. Simple question, I know!

 

Thanks and good luck for August. I'll follow your thread too. A.:)

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Hello Michael

 

Thanks for your reply, I was just getting paranoid.

 

When I have been overdrawn and I have been charged £8, I was just going to put that in my sheet as the daily o/d charge.

 

On the 19th/20th of every month when I've been charged £25 for actually being overdrawn in that same month, I was going to put monthly o/d charge.

 

Am I making sense???

 

Additonally, I wondered if I may PM you?

 

Thanks

 

A.

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When I have been overdrawn and I have been charged £8, I was just going to put that in my sheet as the daily o/d charge.

 

On the 19th/20th of every month when I've been charged £25 for actually being overdrawn in that same month, I was going to put monthly o/d charge.

 

Thats fine. This is how YB usually describe their charges:

Yorkshire Bank

Card Misuse

Charges (Monthly Charge, On Top Of Other Charges!)

Daily OD Charge

Unpaid Cheque

Unpaid D/D

Unpaid S/O

 

Additonally, I wondered if I may PM you?

Fine
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Thanks Michael

 

I'm just not thinking clearly about things.

 

I will possibly PM you tomorrow if that's ok? Could do with your expert advice on 1 other thing that I think I've also done wrong!!! Not sure if I'm going a bit out of my depth with all this.

 

Thanks

 

A. :)

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HelloI've been wondering about Terms and Conditions. I see that people have found them difficult to get hold of. I've just written to my branch to request them but I'm not expecting anything.If I need them once I've filed my N1, is there anybody who can point me in the right direction. If I need them for the years I opened my accounts, then the years are 1997 and 2002.Also, if Michael sees this, could I PM you again if I need to? Don't like to just PM you without asking.Thanks.A.

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Thanks Georgieboy

 

I just worry too much. However I am getting lots of excellent advice too.

 

Good luck.:)

Be positive. Yorkshire bank are [edited]. I would go so far as to say that they are worse than Barclays!!!! If that's possible!!! Be prepared for anything and keep your eye on the ball. I have threatened them with the bailiffs as judgement went in my favour through their incompetence. They threatened me with a set aside, counter claim and everything. Guess what? I got my cheque for my friend through the post this morning for £3807.47!!! Keep smiling and you will get there!!!:)

If you think I have been any help at all, click my scales, go on.... You know you want to! :lol:

LLoyds: (Husband) - *Settled in full* 20/12/06

Halifax: (Mum) - *Settled in full* 05/12/06

Studio: *Settled in full and more* 09/12/06

GE Capital - *Settled in full* 16/11/06

Barclays: - *Settled in full* 04/01/07

Capital One: - *Settled in full* 02/02/07

MBNA: - *Settled in full* 30/01/07

Yorkshire Bank (Friend) - *Settled in full* 30/06/07

LLoyds TSB x 3 in progress (Friend x 2 and Husband again)

Abbey National in progess (Friend)

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Hi Michael

 

I'm sure there will be something I may need to ask you soon, but for the moment I am making sure everything is spot on with the fuller POC that you kindly directed me to and my completed spreadsheets. I just need to get them to court now!!

 

Thank you.

 

A. :)

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Hello

 

I've just completed my N1 and I was looking at the bottom of my POC:-

 

DETAILS OF JUDGEMENT SOUGHT BY CLAIMANT:

 

d. Interest pursuant to s.69 County Courts Act. Interest, in that case, up until xx/xx/xx amounts to £xxxx, as detailed in Schedule, attached hereto. Interest per day thereafter, or part thereof, is £00.xxp.

 

In the value part of the N1 this is slightly different.

 

It says:-

at £00.xx per day OR at such rate and for such periods as the court deems just.

 

Should I alter my POC so that it sounds the same as the value part in the N1?

 

Thanks

 

A.

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