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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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HELP!!!! Natwest Called me to arrange meeting


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I read all info on this site and sent the letter to my branch (got address by searching sort code on Natwest web site) they called me to arrange an appointment to "discuss" what happened to make them charge me.

 

I get the impression that they are going to try and fob me off HELP! I'm worried I'll bottle it what do I do/say?

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I read all info on this site and sent the letter to my branch (got address by searching sort code on Natwest web site) they called me to arrange an appointment to "discuss" what happened to make them charge me.

 

I get the impression that they are going to try and fob me off HELP! I'm worried I'll bottle it what do I do/say?

 

You call them back and say that as you corresponded with them in written format this is your preferred method of communication - insist that they stick to it (i.e no more telephone calls from them).

 

Then you decline their offer of a meeting for the same reason - you want to correspond in writing. Also infer that there is nothing to discuss. They understand your position it was clearly laid out in your prelim letter - and tell them that if they are in any doubt - it will be re-iterated in your letter before action! Call should go something like this:

 

"Hello, I am calling to decline your offer of a meeting as I wish you to correspond with me in written format - as I have with you. I also therefore require that any further communication with me with regards this matter is conducted within these parameters - in writing only. I do not wish to hear your explanations or reasoning behind the charges that you have applied to my account as I understand them to be unlawful. My initial letter to you has clearly stated my position, and this has not changed. I will await a response to that letter in writing, and trust that you will now move promptly to refund said charges and resolve this matter."

 

You really have nothing else to say. And shouldn't. You can write to them and decline their offer of a meeting if you prefer - and are more comfortable - again insist that they follow your requirements and communicate in written format only.

  • Confused 1

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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Hi Amanda

 

Good luck with your quest against Snatchwest, I've just sent my DPAs off and am expecting telephone contact from them as I got on v well with my manager. Boy has he got a shock coming!

Invest in a dictaphone if you can and record any calls you make or receive just in case they say anything controversial or legally helpful.

The response time on here is amazing, I can't work out how a handful of moderators manage to deal with all our q's and worries, they are a cool bunch of people!

keep us posted with your progress

Kate:)

 

 

----------------------------------------------------------------------

08/06/2006 DPA Letter Sent NW Adv Gold £2513.08

08/06/2006 DPA Letter Sent NW Gold Mastercard £unknown

08/06/2006 DPA Letter Sent NW Business Acc £unknown

08/06/2006 DPA Letter Sent Virgin Card £unknown

08/06/2006 DPA Letter Sent Morgan Stanley £unknown

----------------------------------------------------------------------------------------------------

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The response time on here is amazing, I can't work out how a handful of moderators manage to deal with all our q's and worries, they are a cool bunch of people!

 

ahh that should be a thread started in the Bear Garden... I shall point all the mods towards this!:)

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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Hee hee don Q

 

I was feelin all protective of you all after reading the clairus99 thread last nite. boy you guys had me in stitches and i'll try not to annoy you guys (like ever!) loved the enycyclopedia snipe!!!

okey doke i'll stop hijacking this thread wiv grovelling praise but it is nice to see genuine appreciation, i've definately been impressed by response times. i've got visions of pale, exhausted people sat in darkened room staring at their pc's, never being allowed out....................:shock:

 

kate:p

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Well yesterday I called my banch at 9am as I said I would be doing and they ended up telling me that if I didn't go in for a meeting with them that they couldn't fill in the relavant forms needed to send to head office to authorise any refund of charges I know they were codding me but they refused to send these forms to me in the post so I am meeting my bank manager tomorrow (mon) at 2.30pm and I'm taking my mum and a dictaphone.

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As far as i am aware there is no need to fill in ay forms to get your charges back, they may want you to sign a confidentiality agreement but this can simply be posted to you and sent back. Looks like they have sucessfully conned you into meeting them.

Ex CAG helper ^_^

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It seems like that to me but I'm not sure how else to deal with the woman on the phone refusing to do anything unless I meet with her. I just want to scream AHHHHHHHHHHHHHHH!!!!!!!!!!!!!!!!!!!!!!!!! I really shouldn't pull on my hair quite that hard I have head ache now.

I'll update you after the meeting tomorrow

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Personally I would ignore this altogether and wait until the 14 days in your prelim letter expire, and then I would send your Letter Before Action. There is simply no need for meetings, forms etc to get your money back... just letters and if necessary a court claim.

 

This is just flim-flam so that they can bully you in person. I advise you not to go to the meeting at all, but to call the branch and cancel. Don't even speak to the same person; just call the branch, say "I have a meeting with at 2.30, I'd like to cancel please as I can't make it. Thanks."

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wish I'd seen your message earlier Tom I've been to the meeting and it seems that I was misslead on the phone by the person who told me I have to fill forms in infront of a manager, this is what happened I went in to a poxy room with a girl off cash desk I had to wait for her to finnish serving a costomer I took my dad with me because I can't find my dictaphone so I'm hoping that he will remember what I don't, she told me that it's a standard charge that everyone incurs and I said "I know it is" I then told her I don't mind paying the charges that the incurs by stopping my standing order if she could tell me what it was but she couldn't all she could say was standard £38 charge etc but as if to make me feel better she told me that it does include all admin etc. She then asked me how much I thought the charge should be well of course I don't want to give them any anumision so I declined to answer but thought about the question and I'm going to open a tread next to discuss it I'm interested.

next she asked me why it as taken me so long to request a refund as one of the charges was applied in March, I replied "after speaking to a friend I decided that I think you are charging me too much and I think it's unfair" next I asked her to get the forms out and she said there are no forms I told her what Louise had said on the phone and she went to phone her when she came back she said that Louise ment a letter that Zoe (the person dealing with me) writes to head office, when I asked if this could have been written without seeing me she said no not really but I don't believe, her she then said that she'll write this letter and the main branch will contact me for an appointment I specifically said I do not want an appointment and she said without one things cannot move forward so I told her I want everything in writing from now on and asked how long it would be before I recieved her letter telling me what head office has said she said I do not know so I said give me a time scale as I am not waiting indefinatly so she said 1 month so to clarify I said so you now have until the 11th of July to refund my charges and I am going to send a letter giving them their new deadline now.

 

I think I handled it well and rest assured I am not going for any more meetings at all.

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Okay, time to rescue the situation and get control.

 

You have verbally given them until 11th July - that is more than they are entitled to, but you are best to stick with that now.

 

Make sure the letter you send is based on the Letter Before Action in the template library - and it should be headed LETTER BEFORE ACTION. Obviously you will need to change the wording slightly to fit in with the events.

 

Send the letter to NatWest Head Office by recorded delivery - and send a copy (marked as such) to the person you spoke to at the branch.

 

If your charges have not been returned by 11th July - then I would advise immediately moving to court action. By that time they will have had more than enough time to settle.

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Ok so I have just recieve a letter saying in this exeptional matter their prepared to refund £38 as a gesture of goodwill ummmm.....:roll: they've got my money and I want it back so I am going to respectfully decline this offer but what do I do then?... Send them a letter before action?

 

 

 

Your 5% is on it's way!!!

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Seems to me you have been messed about by the branch. Don't forget you do also have the option of complaining about being misled into attending a meeting that you did not need to do despite having said you wanted it dealt with by correspondence. They will deny it of course but you could take that complaint as far as you wish including the Ombudsman if necessary.

 

This is just another option and is in addition to your claim. You may find it a better idea to wait until after the claim is sorted out. It is up to you whether you pursue this or not as there is nothing lost if you don't, it just depends on how you feel about it.

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send the LBA referencing their letter dated X June in which they make an offer of £38. State that as a matter of goodwill, you will accept this offer as an interim payment only. You will consider the matter resolved only upon receipt of £190 or, should your account be credited with the aforementioned £38, then £152. Should you not receive remittance advice of this amount 14 days from the date of this letter, you shall proceed with Court action to recover any outstanding balance, plus costs, plus interest as provided for under s.69 of the 1984 County Courts Act.

 

I trust that they will now move promptly to resolve the matter!!!8-)

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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there is a small propblem with that in that in the body of this letter it does say "acceptance by you of this payment will be in full and final settlement of all claims you may have relating to charges." does this change my next move or do I still go with accepting the payment as a intrim payment?

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cmon amanda - I make it explicitly clear in my post above as to how you word you LBA!!!:rolleyes:

 

"I will accept your offer as an interim payment ONLY and NOT in full or final settleement of the matter"...etc etc etc...

 

It doesn't matter. If they don't pay the £38 now who cares - they will just end up paying it, along with the £152, and your court costs, and probably some interest thrown in for good measure.

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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cool thanks.

 

I am sorry I know I can be think sometimes but this is going legal by looks of things and that actually worrys me so I want to be totally sure I've followed everything correctly so that they can't come back and use something I've done wrong aggainst me.

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that's fine -post your LBA here before you send if you want feedback...:)

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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MY letter

 

xxxxxx

xxxxxx

xxxxx

xxxxx

xxxxx

2 High Street

Wombwell

Barnsley

S73 0AB

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBERS: 51-61-35 7xxxxxx2, 51-61-35 7xxxxxx3 & 51-61-35 7xxxxxx5

 

I have received your letter dated 14 June in which you made me an offer of £38. As a matter of goodwill, I will accept this offer as an interim payment only. I will consider the matter resolved only upon receipt of £190 or, should my account be credited with the aforementioned £38, then £152. If I do not receive remittance advice of this amount within 14 days from the date of this letter, I shall proceed with Court action to recover any outstanding balance, plus costs, plus interest as provided for under s.69 of the 1984 County Courts Act.

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken a total of £190.00.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 08 June 2006

 

I require repayment in full of this money and. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

 

Yours faithfully,

 

 

 

 

 

Mrs A Hxxxx

16 June 2006

Schedule of charges

51-61-35 7xxxxxx2

12 Apr 2006 UNPAID ITEM(S) , D/D 3.96, PAYPAL PAYMENT £38.00

51-61-35 7xxxxxx3

27 Mar 2006 UNPAID ITEM(S) , S/O 460.00, MR & MRS Hxxxx £38.00

51-61-35 7xxxxxx5

24 Mar 2006 UNPAID ITEM(S) , S/O 145.00, MRS A Hxxxx £38.00

26 May 2006 UNPAID ITEM(S) , S/O 150.00, MRS A Hxxxx £38.00

2 June 2006 UNPAID ITEM(S) , S/O 150.00, MRS A Hxxxx £38.00

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