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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • lookinforinfo
      MET CCTV PCN Starbucks closed - Southgate Park CM24 1PY

      By lookinforinfo · Posted

      You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Jaksmyboy
      IVA failure-DCA chasing-advice please

      By Jaksmyboy · Posted

      Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • Malocclusion
      MET CCTV PCN Starbucks closed - Southgate Park CM24 1PY

      By Malocclusion · Posted

      hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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      The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

FSA To Review Waiver

crfx250

By crfx250
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muggyno1

muggyno1

Posted
Posted

Hi,

 

Yes, I've seen it. If you look at any of my posts you will see why I wont be signing it!

 

Cheers.

 

Muggy

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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ohoh4312

ohoh4312

Posted
Posted

Yes it caught my eye a few minutes ago.

 

And I have been trying to restrain myself from making a comment - suffice to say I will not be signing up.

36_1_30.gif

 

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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bonnie0852

bonnie0852

Posted
Posted

Hi guys, sorry for having a blonde moment here, but am i missing something?? Why wouldnt you sign the petetion????

Please tell in case ive read it wrong??

FORGET ABOVE COMMENTS, JUST READ BACK A BIT FURTHER AND AM NOW UP TO DATE!!!!! PHEW........

bonnie :?

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Perseus

Perseus

Posted
Posted

http://www.consumeractiongroup.co.uk/forum/general/108233-bank-charges-consumer-charter-4.html#post1075655

Just posted my - not-so-supportive views of the charter!

In my opinion it is a wasted opportunity...

  • Haha 1

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GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

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Alliance & Leicester - Final LBA 28/5/7 - then Court.

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un1boy

un1boy

Posted
Posted

Guys, how realistic is it that the FSA will remove the waiver?

 

The financial industry in this country makes me physically sick.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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muggyno1

muggyno1

Posted
Posted
Guys, how realistic is it that the FSA will remove the waiver?

 

The financial industry in this country makes me physically sick.

 

Hi Un1boy,

 

I think it unlikely at the moment, but the more pressure we put on and the more we hold our nerve the more likely it will become. I have a bucket I can pass you tho':D

 

PS. Have you written to your MP yet?

 

Muggy

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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MacBoy

MacBoy

Posted
Posted
Guys, how realistic is it that the FSA will remove the waiver? The financial industry in this country makes me physically sick.

un1boy

This depends largely on how the FSA perceive the banks have behaved during the first two months of the arrangement. The more we can highlight their sharp practices, deception and spinning in their communications to customers about it; and the more political noise we can make - the better chance we have of making the difference.

 

Why not write to your MP instead of wasting time on the Big White Telephone? ;)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
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Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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MacBoy

MacBoy

Posted
Posted

Hahahahaha! Muggy - we'd better cool it - we're becoming like a pair of Scientologists :lol:

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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muggyno1

muggyno1

Posted
Posted
Hahahahaha! Muggy - we'd better cool it - we're becoming like a pair of Scientologists :lol:

 

Are you wearing dark glasses and a black suit?

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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MacBoy

MacBoy

Posted
Posted

No - not quite that far gone yet....but would you like to take a personality test? Hihihihi! ;)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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muggyno1

muggyno1

Posted
Posted
No - not quite that far gone yet....but would you like to take a personality test? Hihihihi! ;)

 

Scored 200 out of 200 'cos I'm the only direct descendant of the aliens that didn't get burned up in a volcano!

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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midge61

midge61

Posted
Posted

Hi

I have just put my opinion on the other thread and feel that the main issue is getting the waiver lifted or made equal by stopping the banks from taking charges untill the outcome of the case.

 

We should be fighting together to show how the banks are abusing the waiver and not backtracking by saying that we would agree to £5 as a fair penalty charge. No penalty is fair in my oinion.

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muggyno1

muggyno1

Posted
Posted
Hi

I have just put my opinion on the other thread and feel that the main issue is getting the waiver lifted or made equal by stopping the banks from taking charges untill the outcome of the case.

 

We should be fighting together to show how the banks are abusing the waiver and not backtracking by saying that we would agree to £5 as a fair penalty charge. No penalty is fair in my oinion.

 

Well said Midge, I entirely agree.

 

Muggy

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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muggyno1

muggyno1

Posted
Posted

Hi vicky,

 

Have seen and signed this one. Well done on the letter to your MP.

 

Muggy

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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Share on other sites
un1boy

un1boy

Posted
Posted
Hi Un1boy,

 

I think it unlikely at the moment, but the more pressure we put on and the more we hold our nerve the more likely it will become. I have a bucket I can pass you tho':D

 

PS. Have you written to your MP yet?

 

Muggy

 

I've actually got a meeting with my MP lined up soon.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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muggyno1

muggyno1

Posted
Posted
I've actually got a meeting with my MP lined up soon.

 

That's great un1boy. Don't let him/her wriggle!

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

Link to post
Share on other sites
MacBoy

MacBoy

Posted
Posted
Monty was always a 'Dark-Horse'!

 

What are you inferring, sir? :p

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites
jealleanor

jealleanor

Posted
Posted

I think the idea of everyone bombarding the FSA and OFT with letters is a great idea, after all, it was the bombarding of letters to the banks and courts that got the FSA and OFT involved in the first place! So that proves that written pressure works!

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