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    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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CDUK. Who are they?


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I had a text message asking me to call CDUK on 0870 4281997 and quote a reference number. Obviously, I don't want to do this, I've tried googling them without much luck. Anybody know who they are?

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CDUK is Claims Direct Debt Collection Service. Call is on witheld number, then txt msg to say call on this number with a reference number.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Mystery solved. Looking through some paper work I have realised that they are Collect Direct UK, who are trying to collect on a debt which is in dispute with another DCA. Have just sent them strongly worded letter regarding this anyway!

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  • 1 year later...

They are a company called Collect Direct, it’s the trading name of Improved Financial Services.

 

Denise Crossely is the managing director (LINK TO HER PICTURE BELOW)

http://www.imfs.co.uk/downloads/sp-dec06.pdf

 

and Caroline Burston the Collections Manager.

 

The companies real phone number is 0113 259 6900. If you get hassle from them report them to the Office of Fair Trading, their Consumer Credit License is 559133. Their address is Jason House, Kerry Hill, Horsworth, Leeds LS18

 

THEY ARE UNDER INVESTIGATION FROM THE OFFICE OF FAIR TRADING FOR HARASSMENT AND FOR USING UNLAWFUL PRACTICES.

 

You can also report them to the Credit Services Association Limited, Wingrove House, Ponteland Road, Newcastle upon Tyne NE5 3AJ Tel: 0191 2865656 Fax: 0191 2860900 Email: [email protected] The more of us who complain the sooner they will be struck off.

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You can also report them to the Credit Services Association Limited, Wingrove House, Ponteland Road, Newcastle upon Tyne NE5 3AJ Tel: 0191 2865656 Fax: 0191 2860900 Email: [email protected] The more of us who complain the sooner they will be struck off.

Unfortunately, they are regarded as a bit of a joke on CAG.

 

The perception is, that it is a self serving organisation set up and paid for by the debt collection industry as window dressing, to give the appearance of self regulation. Often it appears, CSA executives come from some of the worst offending companies.

 

Additionally, Denise, (MD of Collect Direct), has dedicated many years of service on the Credit Services Association (CSA) Counsel, holding positions such as Treasurer and serving on the Disciplinary sub-committee.

David

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Ok the more of us who complain to the OFT the better, It's always a good plan to record the conversations, not sure every mobile can do it, but mine has a recorder facility and I use that to record the conversations.......it's amazing how polite they become when they realise they are being recorded.

 

Also the more of us that ring their proper number 0113 259 6900 the better, as they can't hide behind anonymity. Ask to speak to Denise Crossely or Caroline Burston. Lets let them know how it feels to get continuous calls.

 

We can win this battle and get companies like Improved Financial Services struck off and ensure women like Denise Crossely are barred from obtain another consumer credit license.

 

I had a great credit rating until I lost my job through redundancy, now I'm having to battle these companies on a daily basis, they prey on fear and by trying to intimidate you with scare tactics. Unfortunately most times these tactics work, but if you take simple steps you can make sure they treat you with the respect you deserve. Yes there are the odd few respectful companies......but they have to compete against the likes of Denise Crossely.......and the massive profits her companies make.......yes Denise......I have done my homework and I know everything about you. How does that feel?

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Through the electoral register, companies house and linkedin I'm getting all the available details of the directors of IMFS (Improved Financial Solutions) and CDUK. I will post everything I'm legally allowed and nothing more as I won't resort to their unlawful tactics.

 

In the meantime if you want to email either Denise Crossley (Director) or Caroline Burston (Collection Manager) their emails are:-

 

[email protected]

 

[email protected]

 

I am sure they would love to hear about all the abuse their staff give people, I say the more emails they receive the better.

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I dealt with CDUK over an Egg CC.

 

They wanted 10% of the balance in 4 days, I told them no, they sent VERY RED AND BOLD SCARY LETTERS for about 3 weeks, I ignored them and they passed back to Egg.

 

I thank them for being so unreasonable that I sought help on the internet and found this wonderful place :D

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Now there's a thing: IMFS Improved Financial Solutions, which are -

 

Name & Registered Office:

IMPROVED FINANCIAL SOLUTIONS LIMITED

2ND FLOOR JASON HOUSE

KERRY HILL HORSFORTH

LEEDS

LS18 4JR

Company No. 04668114

 

Check their Consumer Credit Licence on the OFT Public Register.

 

Errr...............according to the register they dont have one.

 

David

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Improved Financial Solutions trades under different names like CDUK.........so if they loose one license, they just start another company trading. Of course it's always the same people and the same parent company. Which is why it's important to target the parent company.

 

Write to the OFT stating your complaints and highlight it's Improved Financial Solutions trading as CDUK.

 

In the meantime bombard Denise Crossley (Director) or Caroline Burston (Collection Manager) with as many calls and emails as possible, use free email accounts if you want to keep anonymity, give them a taste of their own medicine.

 

[email protected]

 

[email protected]

 

Denise Crossley has made a fortune on the misery and misfortune of others, she won't change unless she is forced to by us.

 

Don't give up, these people are cowards, they think they can't be traced and confronted, I've proved this isn't the case and I'll post all the emails and addresses in the near future, so you all can contact them direct.....then lets see how they like it. Just remember don't do anything illegal.

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Good news for anyone who'd like the opportunity to meet face to face the people who run the debt collection agencies, the ones that make money out of harassing people with financial problems.

 

Well, they will all be at the same place on Tuesday 9th and Wednesday 10th February 2010 at the The Leicester Marriott

Smith Way, Grove Park, Leicester, LE19 1SW.

 

The following link is for the Itinerary of their two day conference on how to f**k up and intimidate normal hard working people and make even more money out of us.

 

http://www.csa-uk.com/media/editor/file/HYM%20Programme.pdf

 

below is the above pdf in case it's moved or removed.

 

 

 

Programme

09.00 Registration

09.15 Welcome from New President Roger Lucas

Update from DBSG Chairman Leigh Berkley

09.45 Meet the CSA Board and DBSG Governing Committee - Aims and plans for 2010 going forward

10.15 Q&A with the Panel

9.00 MORNING SESSIONS

10.30 Networking Break

12.45 Lunch

Please Note: The workshops do run in parallel, timings match to allow you to move between workshops if you choose.

Debt Buying and Selling

11.35 Are Purchasers now moving into Contingency

Collections OR is there a move from Contingency

Collections into Debt Purchase?

A Debate

SPEAKERS: Fredrickson International Ltd

12.05 Client Audits for Sellers - Going forward are client

audits for sellers by the CSA DBSG the answer for

stretched sellers departments?

SPEAKERS: Sarah Marshall, Senior Manager,

Recoveries, Santander

Collections

11.35 Is there still a true business to business collection

market? Are Consumer Collectors moving into B2B

Collections OR are B2B Collectors moving into

Consumer Collections?

A debate

SPEAKERS: Martin Smith, Risk & Compliance

Director, Close Credit Management Limited AND

12.05 Consumers testing the Industry

Websites

Debt Management Plans

Judgements

Claims Management

SPEAKERS: Denise Crossley, Managing Director,

Improved Financial Solutions Ltd AND Bob Kingdon,

Operation Audit & Strategy Controller, 1st Credit Limited

Compliance Clinic

14.00 The CSA & DBSG Members Only Compliance Clinic is not only a fantastic opportunity for you to update yourself on

compliance matters effecting the Industry, but it is also a unique chance to network and exchange views with other

members who share the same area of expertise as you.

With updates on regulatory requirements and including open and interactive discussion on the topics that matter

most to you as a business, the Compliance Clinic will have the answers.

Trace Consumer Fact Sheet and Advice Guide

The CSA, has been working on an advice guide for consumers on how to effectively and proactively deal with the

frustration of mis-trace.

The Information Commissioners Office is delighted that the CSA is taking such positive steps to assist

consumers, and have agreed to endorse the factsheet. Further information will be provided in the meeting.

15.30 CLOSE

11.00 Ratios in the World of Collections and Debt Buying and Selling are Changing - An Overview

SPEAKER: Nigel Stirk, Partner, OC&C Strategy Consultants

Wednesday 10th February 2010 - Conference Day

Tuesday 9th February 2010 - Networking Reception

The networking reception grows in size every year and with an expected 160 members for this year’s event—make sure your

name is on the list. This is a great way for members to network, develop business opportunities and relax in the Atmosphere of the

evening.

At this years networking evening, we will have TOPICAL TABLES, which will be hosted by your Board Members and Governing

Committee making this the ideal opportunity to put your questions on particular issues forward and to find out what the plans are

for 2010, within the particular areas such as Training, Money Advice or Compliance. Simply pick your table on the night and make

your voice heard.

Places are always in high demand so make sure you book your place.

CHANGING MARKETS - WORKSHOPS

Leicester Marriott

Hotel Details

The Leicester Marriott is located in a quiet business park, minutes from the M1

Motorway.

Leicester Marriott

Smith Way

Grove Park

Leicester

LE19 1SW (For Sat Nav. Enter: LE19 1SU)

United Kingdom

Telephone 01162 820100

Fax 01162 820101

Web: Leicester Marriott Hotel | Leicester Hotels | Hotels in Leicester | 4 Star Hotels in Leicester | Accommodation in Leicester

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Now there's a thing: IMFS Improved Financial Solutions, which are -

 

Name & Registered Office:

IMPROVED FINANCIAL SOLUTIONS LIMITED

2ND FLOOR JASON HOUSE

KERRY HILL HORSFORTH

LEEDS

LS18 4JR

Company No. 04668114

 

Check their Consumer Credit Licence on the OFT Public Register.

 

Errr...............according to the register they dont have one.

 

David

 

I've just checked the OFT website and much as it pains me to say this, they do appear to have a licence - number 559133.

 

I was hoping you were right as they have been the source of a fair few problems for me. :(

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I was hoping you were right as they have been the source of a fair few problems for me. :Cry:

 

Unfortunately no!!

 

For some reason, Improved Financial Solutions Ltd didn't get a hit. If I had being paying attention however - ooops- post one gives the CCL number, which does. Grrrrrrr

 

David

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1 post removed pending Admin attention.

The CAG is first and foremost here for consumers,of that there needs no clarification.

We will always support members who have genuine complaint and advise on recourse.

We are aware that in many cases this will not fit within the agendas or thinking of those who dont agree with our existence.

Nevertheless,we seek to fight injustice within the boundaries and proper regulation.If there has been any instances of untruths or Walter Mitty additions,then the CAG will act speedily to remove them.

More often than not though,the complaints follow after those who already have cards marked who are under the impression they can continue to operate as a law unto themselves.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 4 weeks later...
Improved Financial Solutions trades under different names like CDUK.........so if they loose one license, they just start another company trading. Of course it's always the same people and the same parent company. Which is why it's important to target the parent company.

 

Write to the OFT stating your complaints and highlight it's Improved Financial Solutions trading as CDUK.

 

In the meantime bombard Denise Crossley (Director) or Caroline Burston (Collection Manager) with as many calls and emails as possible, use free email accounts if you want to keep anonymity, give them a taste of their own medicine.

 

[email protected]

 

[email protected]

 

Denise Crossley has made a fortune on the misery and misfortune of others, she won't change unless she is forced to by us.

 

Don't give up, these people are cowards, they think they can't be traced and confronted, I've proved this isn't the case and I'll post all the emails and addresses in the near future, so you all can contact them direct.....then lets see how they like it. Just remember don't do anything illegal.

 

I dont deny their behaviour may be intimidating, but would you care to elaborate on why you seem to have a vendetta? Are they pursuing you?

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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  • 1 year later...

I sincerely do not believe any one has a vendetta against CD UK - its just that people power is forced to come out and play in the face of gross malpractices by CD UK in this the year 2011!

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  • 3 years later...

I've just checked CD UK on the FCA website, They can be found under the name of Collect Direct. They do not have an active licence to practice debt recovery. They are INACTIVE and have been since Dec 2014 so if, like me, you receive emails, text, calls from them at least you know they cannot enforce anything as they are not even currently licensed.

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interesting news mind!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes - sorry, I obviously put it in the wrong place. I should have put it as an information thread or something...still figuring out the site and what goes where :???:

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  • 3 weeks later...

Collect Direct / CDUK were acquired by Teleperformance Limited and are a trading style of Teleperformance limited. after they bought the business from Dcrossley and are licenced for debt collection under the licence of the new owners

 

check the details on the letters / emails the company number should be on there

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