yeah I get that, but there should be more parking available...or clearer signs!

hi, yes it was a saturday. the contravention on the ticket reads: "parked in a residents or shared use parking place or zone displaying an invalid permit, an invalid voucher or an invalid pay and display ticket shared use bay" its all so bloody confusing...i paid for the parking, and there was absolutely nowhere wlse to park - the earls court car park was full and turning people away. i really thought this was a proper car space and I had complied. thanks

Hiya, thanks for your reply. I do have a picture of the sign, its on my husband's phone, and I will upload it tomorrow. Its a yellow sticker the size of a laptop screen on the back/side of the meter. But you wouldn't think to look for another sign, its confusing. Its as if they do it on purpose to make money. The location is Ongar Road, Earls Court. Thanks for your help

hi, i received a pcn in hammersmith and fulham after putting £7.20 into the meter. The signs were really misleading. the panel on the meter said that parking was controlled 8 -8pm, however on the top of the meter it said pay and display 10am - 12pm and then 2pm - 4.30pm. I assumed that that meant you needn't pay between 2pm -4pm perhaps??? however I did pay for a period of 4 hours from 1pm - 5pm and left my car. On return to my car, 15 minutes early I saw the wretched pcn!!! it said i should have had a resident permit for between 2-4.30pm in addition to the pay and display. I have no idea and searched for clues!!! On the back of the meter there was a sticker saying that between the specified hours your need a permit as well, however I didn't see that sign when I parked my car - i was on the back or side - I had no reason to lok there! My mistake, I accept that, but I have already paid £7.20 into the machine, can I request for that amount to be discounted from the £40 fine? Its the principle, and also indicates that I didn't mean to incur a fine, it was a genuine mistake. What do you think I should do? Thanks!

she's sent them in a SAR, but would a Spanish company comply?

hi, my friend bought a timeshare in goa, india...when signing up out there it was made clear that there would be zero interest on the cost and she would be written to by the finance company when back in the uk. However when the finance company did get in touch she could see that the interest rate was high (4000 euros for a 7000 euro loan). also the cost of her taking a holiday is extortionate. these figures are completely different to what they advised her at the time of sale. sha doesn't have any financial paperwork from india though, only a credit agreement from this finance company who are based in spain. it doesn't have the interest rate on it, and doesn't look like a usual credit agreement. has anyone got any suggestions about what she can do? or contact? many thanks

thanks, will do - are there any templates for a complaint to the OFT? AM I reporting them for failing to supply a CCA and chasing me for an unenforceable debt? Thanks!

hi, moorcroft and various other agencies have acknowledged that lloyds don't have a cca for a credit card i had back in 2004. the debt has been passed around to about 10 different agencies and then they usually give up when they realise there isn't a cca, however moorcroft won't!!! they threaten doorstep visits, so i sent them the template for that, but still they persist with the letters. can someone tell me what i should do next? who do i complain to? thanks

they used to ring me twice a day too, I told them I wanted my phone number removed from their records and they did it. haven't rec'd a call since!!!

thank you everyone, i've prepared the letter and posting ot first class tomorrow.

Love it! really hope he sees all these messages, i love him!

hello all, i have had a letter from moorcroft stating that Lloyds don't have a CCA for a credit card I took out sometime ago. I have been requesting this CCA for about 18 months and the debt just keeps getting passed around. However Moorcroft are persisting to harrass me within daily phone calls and threatening letters. I have written to them with templates from this site but they are still threatening me. Can I complain to the OFT or Financial Ombudsman? Whats more appropiate this time? Are there any final letters i can send moorcroft and to ask them to stop ringing me? many thanks

thanks for this. is there also a letter i can send them telling them that in the absence of the cca i find the debt unenforceable and to stop contacting me? thanks!

Hi all, I need to know what step to take next against the lousy Moorcroft Group! I had a debt from Lloyds (a credit card). I applied for a consumer credit agreement when the debt was with BLS Collections, they ignored me and this debt has been passed to various collection agencies. Now Moorcroft have admitted that Lloyds are unable to provide me with a CCA as the debt is over 6 years old. I used to make payments on this until about 2 years ago to BLS. Moorcroft continue however to demand the money and keep phoning me. I ahve told them that I do not intend to make any payment and never admit to the debt. they are now threatening a house visit! Is there a letter I can send them warning them that I will take action for harrassment? Who do I complain to? Should I make a payment proposal? Pls help...many thanks!

hi, i have received a letter from the above company chasing £73 for HSBC from an old current account. I left this balance unpaid in 2006 as it is made up of just charges. HSBC sent the other 2 debts I had with them to another agency and I pay them monthly. But this one was ignored by HSBC for years. I asked Robinson Way to provide me with a copy of the default and they haven't done this yet, but acknowledged that there is a default. Should I ask them for the deed of assignment, is that the document that proves that HSBA sold the debt to them? Is there anything else I could do? Thanks

hi, i booked flights with ryanair on friday as the flights were just getting more and more expensive over a few days. now the flights are £0.00 exc tax and fees, so I have wasted about £100...can i do anything about this? many thanks!

can you claim back account charge fees ? they are usually £10 per month by lloyds for a standard current account...??? thanks!

hello all, i have been someone else's egg credit card statements for 3.5 years by Moorcroft!!! Problem is that I requested my statements and am praying that my statements haven;t been sent to someone else too. I called moorcroft today and they reckon that someone will investigate, but no doubt they will try and fob me off that my statements have not been sent out! I want to write to the person whose statements i have to get them on side and to let them know what the hell is going on - they may even have my statements??? Is this a data protection breach? what should i do about it? many thanls:(

hello, can anyone tell me what the above is? my brother gets charged this every month, usually under £10 a month, but this have been going on for 24 months. Can I add these amounts to the £600 in charges I am claiming under financial hardship? Thanks and good luck to you all!

I had a much more successful conversation with customer relations. I basically begged them to refund a couple of charges and they did so. Lending were really nasty. Customer Relations are better, if you don't succeed with the first person, then callback and try again. Say you are broke, you just need one sympathetic ear. Good luck.

hi all, I really need your advice. I recently moved address and have not told my creditors (apart from my bank, with whom I have no debts). I have a redirection in place and do not plan to stop paying creditors or defaulting on any payment plans I have in place. However I would like to get an updated credit report to check for defaults and see if I can challenge 2 creditors who haven't sent me a CCA. I don't really want my creditors to have my new address as I find that quite daunting. I also want to try and clean up my credit file asap - don't we all! Should I just request my credit file based on my old address and not advise Experian? Please advise, many thanks, Sunita;)

Hello, I have been ignored by Lloyds and have been requesting my CCA for over 12 months. The just keep passing the debt to different collection agencies - they then send it back to Lloyds when they hear that I am awaiting a CCA. Should I now request that Experian/Equifax remove this debt from my file? Can they remove the debt or the default? I also have another debt that has been on hold for 12 months as they have been unable to supply my CCA, any advise here? Many Thanks, S

hello all, i have moved address and have a redirection on my post for the next 12 months. i am not going to give my new address to my creditors because i don't intend to default and am recieving their letters via the redirection. i want to get an update credit file for myself - do you recommend that i give experian my new address or should i just go with my old address - my husband still owns the house but we rent it out. i just want to try and get a clean file - i have so learnt my lesson! whats your advise? has anyone moved and magically got credit after being denied for so long! i don't have any ccj's, just some defaults - but mainly missed payments etc. thanks!

hello all, i sent a SAR to citi cards collections dept - the 40 days are well and truly up now! can you tell me the next step? i have stopped making payments to them some months ago as they are unable to provide me with a CCA. many thanks!

Thank you so much, letter is perfecto!!!