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    • On the first point, yes, but I now know that the "traffic building up beyond my control after I entered the box" is not an acceptable defence due to the rules.   Re second point, well I *did* have to break suddenly, otherwise I'd have hit the black car in front of me. I understand now that this is not "defence enough" on the contravention.   Re loophole on pics/video: I read in another post somewhere (not sure it was here or someplace else) that your reg must be clearly seen in the pics/videos at the *time* it's committing the offence ("captured live" I think it was the expression used) and that it's not permitted for someone to go over the footage in order to zoom in your number plate. So, what I'm saying is: from the pics/video (except the really dark pic that's zooming on my reg only), you *cannot* see the reg of my car. Hence why the pic zoomed on my reg doesn't show the full car *actually commiting* the offence. They're trying to *infer* that it's my car. (*I* know it is, but don't they have to prove the offence actually being committed by *my* car with pics that show the full car/position *and* reg? aka, not just a random zoomed in pic that could've been anywhere, hence the argument about "not being allowed to go over footage in order to capture offence/details").   Thanks for your time in answering btw ☺
    • Hi   Robinson Way are still chasing on this saying its not statute barred, but another issue has come to light since submitting a mortgage application.   CL Finance have a second charge on the property for this from ~2012, which the mortgage lender want removed before making an offer. CL Finance Limited (Company no. 01108021) was dissolved in October.   Does anyone have any advice on how i can have the charge removed and how we can stop Robinson Way chasing.   Many thanks   Dean
    • Yes - always best not to bury your head in the sand
    • Don't worry about the hearing fee date....concentrate on complying with the courts directions by date.   Andy
    • Hi @slick132 apologies for the delay responding.   Letter to the gym (1Life):   "Dear 1Life   RE: Cancellation of memberships ********* & **********   I refer to the aforementioned memberships at 1Life ******* Leisure Centre. We have cancelled our Direct Debit mandates and now realise that we did not provide 30 days’ notice needed. I therefore offer to pay the outstanding £49.98 for the notice period, consisting of £24.99 for ********** and £24.99 for *********.   I will pay no administration or cancellation fees and no further membership amounts. I consider the third parties attempt to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contract is terminated and we will ignore any further demands. If you confirm in writing that you will accept the amount of £49.98 in full settlement of all that I owe, I will pay you promptly. If you fail to accept my offer within 14 days or you demand any higher amount, I will pay you nothing and my offer will be withdrawn.   Yours Sincerely,"   Letter to DCA (DFC):   "Dear Debit Finance Collections Plc   RE: Notification of Unpaid Direct Debit Payment - Ref No ******** & *********   Further to receipt of emails from yourselves regarding missed payment and late payment charges, I confirm that I will pay no administration or cancellation fees and no further membership amounts. I consider these attempts to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contracts are terminated and we will ignore any further demands.     Yours Sincerely,"   Interestingly (and more than likely irrelevant) the email response from DFC stated that they wouldn't deal with me regarding my partners membership due to data protection, but then they also named her in the email! Surely a breach of data protection in itself!   Thanks Buddy2015  
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spring6

spring6 v egg

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Hi all, have now turned my attention to egg...have downloaded statements on-line and sent the first letter claiming charges back for the last year - I have also sent SAR request for last 6 years in total...the wait begins...but at least it's underway - following other threads with interest

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Have now received letter advising me my complaint may take 8 weeks to investigate... will stick to my TT though. Also received their form with the 3 options for charges summary. Have started claim with the 12 months I got on-line and will add rest when I receive it. Does egg send information within the timescales they set out in the letter?

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Hi Spring6.

 

Egg gave me an initial date which was 2 weeks later than what it should have been. However, they suddenly kicked into action and responded not long after 40 day expiry. Possibly because i keep refusing to deal with the DCA telling them the account is in dispute until i've clarified the balance!!!

 

i didn't mind how long it took because i'm not making payments while it's being disputed. See how it goes, let us know when they get in touch :)


I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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cheers Hopeful1 will do - and will follow your progress too - patience not my greatest strength and everything takes so long.................

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Hi all, I've now received the rest of my statements from egg. I've had no further response from them about the claim I started for the years worth of statements I was able to get on-line so I'm going to add the two together and file with MCOL.....

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A straightforward letter to Egg in plain English, accompanied by a spreadsheet itemising the charges and interest reclaimed, was sufficient for all other claimants over the past 6 months, usually getting paid within a week.

 

By all means use MCOL, but it will cost extra, and will take longer.


 

 

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will give that a go then thanks - sadly so far have just had the standard .. it will take up to 8 weeks to investigate your complaint...

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To whom did you address your letter? Try Emma wotshername the manager. Not only has she been efficient, the letter I got from her was even courteous. Have to bear in mind the peak holiday season of August is upon us.

 

A few claimants were paid within a day or two, at least the notification of forthcoming Egg payment, which was as good as gold.

 

GL.


 

 

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I have addressed it to a Jeanette Hadfield in the Customer Relations Office because she wrote to me. I can change it though - do you have a full name and address? Thanks for your help Mistermind it's v much appreciated.

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In this peak holiday season try address it to

 

Emma Clayton OR Guy Harrison.

 

Both have been known for prompt efficient action. Guy refunded Irishrose in one day, and Emma is known for her courteous intelligent letters. It has become quite civilized, civil, even pleasant with Egg now, but it seems you could get varying responses depending on who handles the case.


 

 

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Have sent it off - amazingly got offer to settle today for first half of my claim which is just over £100. Egg has offered me £4. Do you think it's an error is egg serious?!

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This is the standard Egg template letter saying they have already done their duty reducing £20 charge to the OFT-specified threshold figure of £16 (special dispensation for Egg, £12 for others).

 

If you send back the equally standard CAG template letter in moc1982's winning thread, you should get an offer to repay in full by return of post.


 

 

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cheers, I now have a combined claim - they have offered £4 total though not £4 difference per charge applied.

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Egg reduced their £20 charge to £16 round about July 2006. I would deduce from your £4 offer from Egg, that you incurred just one £20 charge before August 2006, plus 5 or 6 £16 charges after that time. Egg is not taking the mickey, this is a ritual dance with fixed steps, like the cha cha cha.

 

Your move next -- the moc1982 template letter step from you, to be followed by Egg's template repayment of all charges, by return of post probably.


 

 

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As you all predicted egg have now settled for the amount I said I would accept and have been very easy to deal with which is a relief.

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Well done spring6, trust you will have a pleasing fizzy drink? ;)

 

Once again a claimant has happily pocketed the return of his money. Once again the word easy has been used.

 

All who have not done so, roll up, roll up. It's easy now, but it won't stay easy much longer.


 

 

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You must be psychic - I do have celebratory refreshments - thanks for your help everyone.

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:D Well done Spring6. I'm glad that was a pain free event!! Enjoy the refreshing beverages! :p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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