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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.
      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.

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Welcome Finance - This company needs to be banned.


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Hi post - didn't realise you worked for them, however your explanation of how a 12 month loan turns in to 60 month mirrors my situation. They must have seen me coming. Never mind after a Cohens strike out guess I have had last laugh. Funny thing is I wanted to pay them at a rate I could afford, only looked for Cag help when they wouldn't listen.

 

I take it your pension is not tied up on those cattle shares??

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Hi post - didn't realise you worked for them, however your explanation of how a 12 month loan turns in to 60 month mirrors my situation. They must have seen me coming. Never mind after a Cohens strike out guess I have had last laugh. Funny thing is I wanted to pay them at a rate I could afford, only looked for Cag help when they wouldn't listen.

 

I take it your pension is not tied up on those cattle shares??

 

KNOCKED BACK ON THAT ONE

 

HOW DO I REPLY

 

 

ILL LEAVE IT

 

CAGBOOT WILL GO INTO OVERDRIVE

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My OH and myself are a bit confused about the HP loan taken out on a car.

 

The letter my OH received from Welcome says he owes 14k but on his experian report it says 10k so how much does he owe?

 

I know it's the 14k but why are they then lying to the cra?

 

I don't get it, can anyone shed any light on this and what if anything should he do?

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Hi all,

 

Just a quick update on things.

 

I have not had the guts and Bo**ocks to start this fight with welcome evn tho i know what they have done is VERY wrong.

 

So....... I was at work on Thursday 13th August and i recieve a voicemail message from welcome asking me to give them a call ??????? Upto this point i have been with them for 6-7 years and never ever missed a payment etc a model customer they called me LMFAO.

 

Anyways when i ring them back to see what they wanted it was to offer me a SUBSTANTIAL saving on my loan account. "We can see from our records that you have never missed a payment and with our interest rate being soooooo high we would like to make you a offer" ??? "You have another 28 payments left of £325 which works out at over 9k" (I'm amazed they managed to calculate that one correctly) "We would like to offer you the chance to reduce your loan acount with an early settlement figure" ???? Since using welcome 6-7 years ago my credit rating has gone through the roof and i generally don't get turned down for anything i apply for now days. ANYWAYS they would like me with my uprated credit status to apply to my high street bank for a loan and they would accept a settlement figure of 5k "SAVING ME A MASSIVE 4k" !!!!! WOW what a saving i thought (NOT).

 

So guys it looks like they are trying to grab in every penny they can !!

 

Would anyone like to advise me on what to do ??

 

MANY MANY THANKS

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personally id be tempted to say no..see how much further you can knock them down...

 

..think the suggestions on here is to offer them 10p in the pound!!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Can anyone answer my previous post please?

 

What can OH do regarding welcome telling him one amount and experian about 4k less?

 

Could he hold them to the amount they are telling experian do you think or will they just say it's a mistake? Probably eh.

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Hi I'm not sure if I am posting in the correct place but can anyone give me some advice? I have a secured loan with Welcome approx £17000 still owed. Tey have been a nightmare from start to finish (long story that I wont go into at this time!!) But they have never given me any copies of the original, agreement that I signed (I have asked a number of times for them to provide them). I suspect that they don't have anything signed by me. So my question is, am I within my rights to insist they provide copies? If they don't or cannot provide "proof" that I took out the loan am I able to contest the loan? Or am I being stupid?? Any assistance greatly received!

 

Many thanks

 

Bywaysandhighways

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Hi everyone,

 

I had a shock this morning when I opened my post.....:eek:

 

I had a letter from the DCU branch in Sutton, Surrey.

 

Some of you might remember but I have been asking WF for many months to let me have in writing that they would freeze all interest and other charges now that I am on a reduced monthly amount.

 

I sent them a CCCS income and expenditure statement at that time.

 

Their letter was headed WITHOUT PREJUDICE and said as follows:

 

Dear Voda,

 

Re: Account: xxxxxxx

 

We are pleased to confirm acceptance of the following arrangement:

 

Amount Payable Monthly : £xx.xx

Payments Due : 15th, commencing August 2009

Payment Method : Cheque

 

This arrangement will be reviewed quarterly and is subject to an up to date income and expenditure statement, as discussed during our telephone conversation on July xxth.

 

We can confirm that interest and charges are now frozen on the above numbered account, subject to quarterly review and receipt of your income and expenditure statement.

 

 

Yours sincerely,

 

 

LCU Branch Manager

 

I see that they headed the letter Without Prejudice in case this ever went to court.

 

H 'mmmmmmmmmmm :(

 

Finally the letter was dated the 3rd of August and I only received it this morning, the 17th !!!

 

A payment was due two day's ago.....:rolleyes:

 

I will call them and ask if they need any stamps ....;)

 

Have a nice day ....:smile:

 

Voda

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hi new welcome fighter

 

send a cca request for the agreement

if they dont reply with in 14 days you can legally with hold payment

 

may i sugest starting your own thread, you will get more help that way

 

Hi Postggj, I have already sent sar and cca its been more than 14 days I got a letter from them today aknowledging my sarn request and that it is being processed and thamking me for the Eleven pound payment. Nothing regarding cca which is now overdue. The Cca is not even mentioned in the letter. Is this not a breach on their part? What do I do next.

 

Also I wanted to thank everyone on here for teaching me so much. A handful of you are brilliant? ~( you know who you are !)

 

Thanks:idea:

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oh someone had their idiotic hat on when they send me a letter over the weekend trying to think they scare me with their idiotic threats disguised as legal jargon - get a life...............oh and get looking for a new job!

 

Seriously!!!

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Hi everyone,

 

I had a shock this morning when I opened my post.....:eek:

 

I had a letter from the DCU branch in Sutton, Surrey.

 

Some of you might remember but I have been asking WF for many months to let me have in writing that they would freeze all interest and other charges now that I am on a reduced monthly amount.

 

I sent them a CCCS income and expenditure statement at that time.

 

Their letter was headed WITHOUT PREJUDICE and said as follows:

 

Dear Voda,

 

Re: Account: xxxxxxx

 

We are pleased to confirm acceptance of the following arrangement:

 

Amount Payable Monthly : £xx.xx

Payments Due : 15th, commencing August 2009

Payment Method : Cheque

 

This arrangement will be reviewed quarterly and is subject to an up to date income and expenditure statement, as discussed during our telephone conversation on July xxth.

 

We can confirm that interest and charges are now frozen on the above numbered account, subject to quarterly review and receipt of your income and expenditure statement.

 

 

Yours sincerely,

 

 

LCU Branch Manager

 

I see that they headed the letter Without Prejudice in case this ever went to court.

 

H 'mmmmmmmmmmm :(

 

Finally the letter was dated the 3rd of August and I only received it this morning, the 17th !!!

 

A payment was due two day's ago.....:rolleyes:

 

I will call them and ask if they need any stamps ....;)

 

Have a nice day ....:smile:

 

Voda

 

 

FINALLY!!! lol - persistance pays though well done.

 

I would however write back

 

Dear Idiots

 

Whilst I will be accpeting your offer please note that it smacks of desperation and please do not try to call me mid month to ask me to pay early or via debit card as my response is very likely to offend.

 

 

Of course with the heading in big bold letters WITHOUT PREJUDICE lol :D

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Not sure if anything is going on at my local WF branch, but passed it today on the way home, and the office looks as if it has been abandoned, with large storage boxes, bag all pile high in the windows!!

 

A sign of things to come perhaps!

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1984

 

Do Nothing

 

Welcome Are Stuffed With No Cca

They Can Do Sfa

 

Shame

 

Is there any way I can Confirm that they have aknowledged / received the CCA though. I sent them in two seperate envelopes Each containing postal orders. But in the response I have received they thank me for the eleven pounds! This means that they have aknowledged both right...... ? (Sar = £10 + Cca = £1.

 

If they don't have Cca then are they not obliged to tell me this within a set period? Cos if they dont have it then there must be a way I can have the default removed and my files ammended?

 

Also ,I'd love to know why the amount they say I owe is different to what is on my credit file with experian??? WTF! I'd also like to find out why they have a payment showing as paid on the Ac earlier this year that I never made???

 

I'd love some help, Ive been 'beaten up' by them for a long time and I really want them to get what they deserve (let alone a nights sleep without having to worry about getting out of this hole.

 

THANK YOU ALL.

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Ok Dodge

Ill Be Brief

Welcome Have In Total 14 Days To Send You Your Cca

 

In Law, The Amount Of Time A Creditor Has To Respond And Have Delt With A Complaint Is Eight Weeks Then You Can Escalate It To The Fos

 

As Said Before

 

You Need To Send Welcome An Sar To Get The True Picture On How They Are Conning You

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