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    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   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 added. Shall we raise the 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 parking periods. Especially with no consideration of section 13 in your own trade association's code of practice 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, unmanaged 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 above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “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. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
    • Welcome - One of the team will take a look shortly
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    • 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.

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lolly371
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going through my credit card agreement with a fine tooth comb, i have noticed that it has an APR of 17.9% variable. how much can it vary? my statements are charged at 20.9%. (i think- there are only 3 statements that tell me the APR rate) is that a reasonable fluctuation? also the credit agreement is actually the application form i signed before receiving the card. i know there have been a lot of discussions about the difference between an application form and a credit agreement, but it seems to have all of the prescribed terms, so i am a bit unsure of what to think. my oh is going to scan it for me when he gets a minute, so any advice would be good. i'm not very good with computers (it took me nearly a year to get the courage to start my own thread!!!) so sorry for the delay! if i can get any advice on the APR in the meantime, though, i'd be very grateful

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Hi Lolly, If the application form has all the terms and conditions that govern the credit agreement printed on it then your probably on thin ice.

 

The one I got sent back was just my signature and a bland statement saying if a card was granted it would be governed by the terms and conditions of the lender and mentioned two clauses in particular by number. They also sent a set of the up to date terms and conditions which were totally different and didn't have clauses with the numbers on the application form :rolleyes: so check what you have been sent carefully.

 

Apr's do fluctuate but take the higher one when you are calculating the interest due back on your charges :D.

 

pete

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today i received another letter from hsbc saying

 

I write in reference to a recent letter from the Financial Ombudsman Service.

I can see that you have requested copies of credit agreements from the bank and have said that you are unhappy at the time we have taken to respond.

Please find copies of signed agreement forms for your personal loan, credit card and flexi-loan. Regarding the overdraft facility that existed on your account, it was agreed over the telephone and no signed agreement was required.

I would also like to apologise if this information has not been provided as quickly as it should have been. I would be grateful if you would contact the Financial Ombudsman Service and let them know that the bank has now sent you the necessary paperwork.

 

This was only a small part of the reason why i contacted the financial ombudsman. i have an ongoing complaint, and they wont address it, so i will now need to send hsbc another letter telling them to read through my previous correspandance and get it sorted. Ever noticed how, hsbc deal with the problems they can, and ignore the rest?!! again, as soon as we can work out how to upload copies of the agreements i will post them for some advice.

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Regarding the overdraft facility that existed on your account, it was agreed over the telephone and no signed agreement was required.

 

 

overdraft facility? what overdraft facility? is this the one where i have stopped using my account because as soon as i zero the balance they remove another charge so i transerred verything to another account and i am now overdrawn by £200 purely from charges!!! i dont rememer discussing it over the phone, or them agreeing to give me an overdraft

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Write back and tell them you cant contact the Financial Ombudsman Service and let them know that the bank has now sent you the necessary paperwork because they haven't :).

 

HSBC run this silly formal/informal overdraft system if you ask for an overdraft its formal if you don't and your account goes overdrawn then its informal. It's meaningless twaddle :-)

 

pete

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Write back and tell them you cant contact the Financial Ombudsman Service and let them know that the bank has now sent you the necessary paperwork because they haven't :).

i like it!!:lol:

HSBC run this silly formal/informal overdraft system if you ask for an overdraft its formal if you don't and your account goes overdrawn then its informal. It's meaningless twaddle :-)

 

pete

why doesnt that surprise me, if there's one thing hsbc likes, its meaningless twaddle

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well, we've spent ages trying to attach the scanned credit agreements, but no success, tried this photobucket thing, but cant make head nor tail of it. dont know what we're doing wrong, but hey, thats why neither of us work with computers!!

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anybody with any suggestions how to post these credit agreements? i need to sort it now, because i am desperate to get hsbc to accept my reduced payments.

 

at the moment they keep trying to take them out each month and then banging a charge on, which doesnt matter too much in itself as i dont use the account any more and will eventually get around to reclaim the charges- which will basically put the account back to zero. both mine and my ohs accounts are now overdrawn by the exact amount in charges we havent got around to claiming, yet!

 

when i pointed this out to somebody at hsbc, i was informed, you have now made three claims against us, if you try it again there will be severe repercussions for you! with hindsight, i perhaps should have left longer between claims and done them all in one, but i was so desperate for cash that i did two claims for £100ish as soon as they had been taken.

 

the trouble i am having is, that i am approaching a default and would really like to avoid that if at all possible, but until they accept my offer, i am stuck, so i could really do with some advice regarding the agreements. they look fine to me, but if somebody could find ANYTHING at all that i could use as a bargaining tool, it could mean the difference between me regaining control of my finances, or slipping deeper.

 

as i may have mentioned before, we are only in this mess because my oh was ill for a very long time, but he is better now, and we can start to repair our finances if we could just get the chance to actually stop the cycle.

 

sorry about the long winded rant, i just wanted to clearly explain the situation. i am not trying to avoid payment, i just want to slow things down for a short while to get us back on our feet, and hsbc clearly dont feel the same way.

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Have you got a photo bucket account. If you haven't sign up (It's free). Once you have signed up, you will need to be in the "my album" section. On the right hand side, you will see an upload box. As you have said you have scanned the agreements on to your machine you will need to make sure you are in the "images from my pc" part. then click on browse and find your scanned images. If there is more than one image you will need to use the other "browse" buttons. then all you have to do is pres "Upload". Once your images are on the site you will then be able to copy them on to a post here. To do this, find the image, right click your mouse, select copy, go to your post on CAG, press right click again and then paste.

 

If you have any problems, just shout

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On the photo bucket site with every photo you choose, there is a choice to copy as an IMG (for forums). Left click on the one beside your image and you should get a little pop-up which says 'copied'...

 

Then just go to the forum and paste it in......... :)

 

 

PS Freaky , have you seen Pete's last post on his own thread - he's thinking of going somewhere else and we can't afford to lose people like him.......... :eek:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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PS Freaky , have you seen Pete's last post on his own thread - he's thinking of going somewhere else and we can't afford to lose people like him.......... :eek:

 

i've just read it.... whats happening, why is everybody so upset? CAG used to be so happy, yet everywhere i look people are upsetting each other.:(

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Hi Lolly. I am hoping it is just a blip. Everyone has their off days and yesterday seems to have been a bit of a bad one for quiet a few.

I am sure things will retun to normal service before long. This really is one of the friendliest forums I have ever seen and has a strong sense of community. I think it is that sense of community that will see it through this rocky patch.

We will all laugh about it soon.:D

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Hi Lolly,

 

Did the other bit work OK? Or haven't you tried it yet.........:cool:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi Lolly. I am sure things will retun to normal service before long. This really is one of the friendliest forums I have ever seen and has a strong sense of community.

 

thats exactly how i feel. CAG has become a life line to me, its not just the problem solving, its knowing that we are all in this together. you join CAG dreading the postman coming, and end up feeling strong and fully prepared for what may be thrown at you next. i have learned so much, and i am so grateful for all the support and advice i have received, and if i can pass even a small portion of that on to somebody else, i will be a very happy lady.

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Hi lolly. Buller has just forwarded your emal to me but the file type is not recognised for some reason. Can you try saving the scans to another file type or word document? If you can see them on screen can you copy and paste them and put them directly on to a post on here?

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What is the file type Freaky?

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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