Jump to content


  • Tweets

  • Posts

    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Advice please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6143 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

My GF has some debts and we decided to CCA them for the sake of it. On replied so far, eversheds with the following letter.

Im aware that I could well indeed CCA the original finance company but im wondering what this letter means from eversheds point of view and any ideas as to what any of you pro's would do next.

 

I was under the impression they should be in possession of this paperwork to be able to legally claim this debt. We are not trying to squirm out of the debt, i just want to cause them as much stress as I can in my free time.

 

Note they also kept the £1 postal order.

 

 

scan0009copylargema7.jpg

Link to post
Share on other sites

They are trying to slope their shoulders and fob you off.

 

You could write to the OC and ask for a copy of the credit agreement, however I would be inclined to write back to Eversheds and state that under s175 of the CCA they have a legal obligation as the agent of the OC to pass on your CCA request. I would also ask them for a copy of their complaints procedure as they seem to be ignoring this legal obligation.

 

If they don't resolve your complaint you can report them to the FOS who will charge them £400 for just investigating the complaint.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Looks to me like a standard letter where the link to the name of the 'original finance company' should have been in a mailmerge. I have sent CCA letters to several DCA's (not including eversheds) and in each case they have written back to say they have asked the original lender for the documents. Looks like serious laziness on Eversheds' part. Incidentally I have had three replies today where they regret (!!!) they can't find the agreement - that added to the two who have already replied including MBNA who have said i won't be hearing from them again :D I suppose you will have to contact the original lender yourself and send another pound - disgraceful!!

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

Link to post
Share on other sites

I asked the missus and she says she does not know wheather the DCA is acting as agent or have purchased the debt. Im inclined to think agent as she only started struggling to pay it 1 year ago when it was passed on and has kept up the £1 a month payment since then.

 

Funny thing is this debt is for £7k and they accept £1 a month ... How do these people make money ??

Link to post
Share on other sites

I dont want to be a pain but im not very good at wording letters.

 

Could someone give me a idea what to write with regards to the DCA saying to contact the original finance company.

 

Im aware that they should have this paperwork so I want them to know that I know they have a legal obglation to supply me with this information and for them to send it.

 

Will there 12 days still run from the first letter I sent if I send another request ?

 

Thanks for any help.

Link to post
Share on other sites

Or should I just sit and wait for the 12 +2 +30 days to pass and then contact them.

I agree with Ben, just give them a little rope and they will hang themselves. Your complaint always looks better when they have chased you after failing to provide an agreement.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

My missus recieved another letter today from cabot who we also CCA'd

 

Could someone advise if this is just a standard template cabot use and should I disregard it and continue counting the days. They also returned the £1 postal order and its been added to my files incase its ever needed to make a complaint against this company, which if we can we will.

 

Has anyone else had this letter and what happened in the following weeks ?

 

 

scan0013largefw8.jpg

Link to post
Share on other sites

Standard template....just file it. Again you don't need to do anything until they produce an agreement.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Another thing, why have they returned the fee starting they do not accept this staturory fee.

Is this done in good faith or is this done to complicate things or try and worm out of it ?

Link to post
Share on other sites

Some accept it some don't, it makes no difference to their legal obligation to comply with your request.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • 3 weeks later...

OK the nice people at Cabot replyed today.

Now im pretty sure (around 99.9%) that this is an application form and NOT and CCA.

But my missus needs her arm twisting to believe me so could someone please comment on the following scan.

Please note the clue that its an application in the bottom left.

 

Is this enforcable ?

 

There is no APR, no credit limit, the form was filled in by hand by my missus.

 

If not what is the next corse of action to take.

 

many thanks.

 

Ash.

 

 

scan00161largeux7.jpg

 

Im sorry for the bad scan but believe me, I have the thing in front of me and stiull cannot read it. its a FAX by the looks of it.

Link to post
Share on other sites

Well if you can't read it it doesn't comply with the Act anyway. Copies have to be legible.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Lets assume its an application form which im pretty sure it is. I cannot see the APR or a credit limit.

 

It says on it (which you cant see in the scan but I can make out)

If your application for this credit card is approved blah blah blah

 

So what would the next step be ? SHould we write to them stating this is not a CCA ?

 

Thanks

Link to post
Share on other sites

OK would it be fair to send the letter Rory added in this post. (post 10)

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/108542-sent-application-form-instead.html?highlight=cabot+sent+application#post1051945

 

The below link is the application form I have already posted but a bit clearer (1mb size)

 

ImageShack - Hosting :: scan00161pt3.jpg

Link to post
Share on other sites

Just remembered I didnt post the cover letter with this application form.

 

Notice they admit its an application.

 

Any advice on my last 3 posts will be grateful so I can get a letter sent tomrrow. Thankyou.

 

scan00171largeur7.jpg

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...