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    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
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Hello,

 

In the process of sorting out my finacial situation. Out for revenge on the companies which made my life a living hell last year, when I was having financial difficulities. They all took a pound of flesh and left me with defaults and extra charges, some of the amounts have gone up by £500.

 

I have been paying hfc via a dma every month for the last year. hfc sent me a default notice back in May 2006 and this shows on my credit file. I received another default notice from them last week (strange defaulted X2)

 

I have been picking through my creditors one by one so as not to get confused. I thought I would get to this one quite soon, but I had a telephone call from them yesterday, tell me that they need more money from me (which I do not have) or they are going to put a charging order on my house.(scaring tactics) So now the battle begins. :-x

 

Letter of tomorrow for SAR and CCA request. Hopefully this will put the account in dispute for a while.:D

 

Any advice please

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Complain, complain, complain!!

 

If someone threatened me or my wife over the phone and said they were going to put a charging order on my house, I'd be fuming!

 

Obviously, it all depends on the context in which it was said, but I imagine it was a threat to get you to pay money you simply do not have. These tactics are in breach of the FSA's Principles for Businesses and the Banking Code of Conduct and you should complain on this basis.

 

They are in breach of Principle 6 of the FSA's Principles for Businesses (A firm must pay due regard to the interests of its customers and treat them fairly) and also contravene the 4th Key Commitment of the Banking Code (We will deal quickly and sympathetically with things that go wrong and consider all cases of financial difficulty sympathetically and positively).

 

In order for an application for a charging order to be successful, HFC would have to prove that you have no intention of repaying the debt. If you make at least token payments, that proves your intent to repay.

 

Ultimately, if you don't have the money to pay, you can't pay. Then you should seek advice from the Citizen's Advice Bureau or from the Consumer Credit Counselling Service - both of which are free.

 

If you use a debt management company, they will charge you a fee, which in my opinion is outrageous considering you have enough financial pressures already.

 

If HFC have defaulted you twice, they have likely charged you £50 for each default (this should show up on your SAR). They classify the charge as "Legal Fees" yet no legal action has even commenced at this stage. I would question the legality of a fee where no obvious cost (other than postage) has been incurred.

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Complain, complain, complain!!

 

If someone threatened me or my wife over the phone and said they were going to put a charging order on my house, I'd be fuming!

 

Obviously, it all depends on the context in which it was said, but I imagine it was a threat to get you to pay money you simply do not have. These tactics are in breach of the FSA's Principles for Businesses and the Banking Code of Conduct and you should complain on this basis.

 

They are in breach of Principle 6 of the FSA's Principles for Businesses (A firm must pay due regard to the interests of its customers and treat them fairly) and also contravene the 4th Key Commitment of the Banking Code (We will deal quickly and sympathetically with things that go wrong and consider all cases of financial difficulty sympathetically and positively).

 

In order for an application for a charging order to be successful, HFC would have to prove that you have no intention of repaying the debt. If you make at least token payments, that proves your intent to repay.

 

Ultimately, if you don't have the money to pay, you can't pay. Then you should seek advice from the Citizen's Advice Bureau or from the Consumer Credit Counselling Service - both of which are free.

 

If you use a debt management company, they will charge you a fee, which in my opinion is outrageous considering you have enough financial pressures already.

 

If HFC have defaulted you twice, they have likely charged you £50 for each default (this should show up on your SAR). They classify the charge as "Legal Fees" yet no legal action has even commenced at this stage. I would question the legality of a fee where no obvious cost (other than postage) has been incurred.

Hello scooby,

 

Many thanks for your advice, My story is like so many others, but this site is great for boosting you up for the fight.:D

 

I am using payplan, they are great and they are free. Yes I also agree that there are companies that also rip off people, claiming to help and taking more of their money instead of giving it all to the creditors. A bit like these companies now who will get your bank charges back. I got an e-mail from one of these companies no win no fee tactic and I filled out the application form and sent them a message telling them that they were the lowest of the lowest, bunch of blood sucking parasite etc, etc. I am sure you get the tone:D

 

Anyway will wait now for my sar and see if they come up with the credit agreement. I will be writing a letter of complaint to them. Do you have any more quotes to speel at them

 

If they phone me again I might give a response like this. Found it on one of the other thread.

 

Ta again.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Oh my God - that BT call is hilarious!!! I loved the way the sales guy still tried to make a pitch despite the torrent of abuse, only to get shot down again!

 

As for your letter, I'd try to keep the speel to the bare minimum. Being in breach of any of the Principles for Businesses is bad enough. The FSA has had a huge clamp down on Principle 6 though - Treating Customers Fairly. Several big name firms have been fined over their miss-selling of PPI. Some examples of these are:

 

GE Capital - £610,000

FSA fines GE Capital Bank

 

Capital One - £175,000

FSA fines Capital One for PPI sales failures

 

 

Just some food for thought ;)

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  • 2 weeks later...
Oh my God - that BT call is hilarious!!! I loved the way the sales guy still tried to make a pitch despite the torrent of abuse, only to get shot down again!

 

As for your letter, I'd try to keep the speel to the bare minimum. Being in breach of any of the Principles for Businesses is bad enough. The FSA has had a huge clamp down on Principle 6 though - Treating Customers Fairly. Several big name firms have been fined over their miss-selling of PPI. Some examples of these are:

 

GE Capital - £610,000

FSA fines GE Capital Bank

 

Capital One - £175,000

FSA fines Capital One for PPI sales failures

 

 

Just some food for thought ;)

Hello,

 

Got at letter re my SAR, they begger belief:shock:

 

They want a copy of my driving licence or passport before the can sent all the data. Didn't need any proof when they sent me my 2 default letters. Make you laugh don't they.

I will send them a copy just to speed things up, but will discuss there stalling tactics in my letter of complaint to them :D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello,

 

Got at letter re my SAR, they begger belief:shock:

 

They want a copy of my driving licence or passport before the can sent all the data. Didn't need any proof when they sent me my 2 default letters. Make you laugh don't they.

I will send them a copy just to speed things up, but will discuss there stalling tactics in my letter of complaint to them :D

 

As far as I am aware, there is no requirement for you to provide your ID. So long as the data they send is being sent by recorded delivery to the home address they hold (which would already have been verified when you opened your account as part of their Know Your Client - KYC - procedures), then they do not need this information from you.

 

I'm not 100% sure, so you may want to check with the Information Commissioner's Office. It's odd that your bank don't need a copy of your ID everytime they want to send you your current account statement and I can't think of any financial information that is more personal than that....

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As far as I am aware, there is no requirement for you to provide your ID. So long as the data they send is being sent by recorded delivery to the home address they hold (which would already have been verified when you opened your account as part of their Know Your Client - KYC - procedures), then they do not need this information from you.

 

I'm not 100% sure, so you may want to check with the Information Commissioner's Office. It's odd that your bank don't need a copy of your ID everytime they want to send you your current account statement and I can't think of any financial information that is more personal than that....

Hello Scooby,

 

I know that they do not required this information to send me the info, I have read that mbna do it as well, I feel that it is a stalling tactic, just another hurdle we have to jump, to get what we legally have the right to have.

 

I will play their game, but send a covering letter stating my amusement at their ploy.

 

What makes me laugh, it that they have given me a 2nd class postage return envelope, to send it back in. I would have thought the way they were acting I would need Securicor:D :lol:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello,

 

Bit down today, received a letter from Reston Solicitors, they have been instructed by HFC to claim immediate payment of the balance of

 

Default balance £8,246.01

Collection charge£1,374.60

Total Due £9,620.61

 

I now have till sunday the 29th to pay or they will take me to court. I have been making monthly payments via payplan for the last year.

 

What do I do now:( I know that there will be unlawful charges in the balance. I have not yet received my SAR or CCA request, they have as yet not defaulted on these.

 

I am totally at a lost now

 

Any advice please

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Guest xipetotec46

I am totally at a lost now

 

Any advice please

 

Phone them and tell them to hang fire for 28 days, tell them you have a claim for illegal bank charges going through, and they can take the money from the claim, but that you will again claim for any unfair charges including their solicitors costs because if the default balance includes unfair bank charges then they are out of order especially as you are reducing the charges, I am claiming money back for my nephew but he also owes them £1400 I have informed LLoyds TSB to take the £1400 out of the charges but they said they can't do that, so i asked them to hold the harrassment for one month, they have agreed, heard yesterday that the bank has not acknowledged the claim with the court after 14 days so they are in default, sent in for judgement same day they will receive it today. but they still can appeal.

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Hey

 

I had HFC call a loan in on me once it was with cccs. It did take them 6 months to get the claim in so although it appears retalitory it may not be.

 

I have a thread somewhere Karnevil v HFC (Won) I'll dig it out

 

anyway upshot after everything I had the collection charge and unfair charges removed from the balance and earned a CCJ ordering I pay at the same amount each month as I was paying through my DMP with CCCS - and a charging order on my house.

 

Just thought it might help to know :)

 

If I find a link I'll give it you but search on restons on her and you'll find a few with similar.

 

HTH

 

Karne

x

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http://www.consumeractiongroup.co.uk/forum/general-debt/7778-hfc-loan-successful-removal.html?highlight=restons

 

my thread

 

still do a search on restons though to read some others.

 

You arent at that stage yet and if the charges you are claiming are from the same loan then yes the account is in dispute and they shouldnt take court action - but you need to write and tell them to hold for the dispute to be resolved, also reiterate your payplan details to them.

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http://www.consumeractiongroup.co.uk/forum/general-debt/7778-hfc-loan-successful-removal.html?highlight=restons

 

my thread

 

still do a search on restons though to read some others.

 

You arent at that stage yet and if the charges you are claiming are from the same loan then yes the account is in dispute and they shouldnt take court action - but you need to write and tell them to hold for the dispute to be resolved, also reiterate your payplan details to them.

 

Hello Karne,

 

Thanks so much for your advice. Will do:)

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello,

 

I rang up Restons at their request to discuss the account. I spoke to a young ignorant woman with a very rude attitude. She was totally unhelpful and rude and I was non the wiser after the conversation. She would not have dared to speak to me :eek: like that face to face. Who do they think they are. I am a great believer that what goes around comes around. So I may gloat on that one for a bit.:grin:

 

Anyway I have sent them a letter to put the account into dispute. I hope that I have not done this in haste

 

Reston Solicitors Ltd

Trinity Chambers

800 Mandarin Court

Centre Park

Warrington

WA1 1GG

26th April 2007

 

Dear Mrs xxxxx

Reference: xxxxxxxxxxxxxxx

Thank you for your letter 23rd April, 2007.

 

Please note. I am now initiating investigations with HFC Bank Limited into the validity of the original amount that was claimed to be owed due to possible excessive charges and the fact it appears I have been defaulted twice for the above account. In the meantime please be aware that I consider this matter to be “in dispute”.

 

On11th April 2007 they were posted a Data Protection Act 1998 Subject Access Request, I am still waiting for the reply.

 

HFC Bank Ltd has been accepting £43.84 per month via payplan for a approximately 1 year, the last being cashed in April 2007.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

 

At this time I do not recognise your claim including the collection charge.

 

Yours sincerely

 

 

 

 

Pleas will someone tell me I have done the right thing:???:

 

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hmmm Okay. Theres nothing wrong with your letter :) I might have included a formal request for the original credit agreement under the CCA :) Actually I'd be tempted to do that as well now. You've done the SAR, the account in dispute and now you need to get the CCA request in.

 

If it does get to court you'll want to have it so may as well do it now.

 

And no I wouldnt both calling - it wasnt H.M you spoke to was it ?

 

They will probably ignore you anyway but at least in writing you have proof of your communication to try and sort it out :)

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Hmmm Okay. Theres nothing wrong with your letter :) I might have included a formal request for the original credit agreement under the CCA :) Actually I'd be tempted to do that as well now. You've done the S.A.R - (Subject Access Request), the account in dispute and now you need to get the CCA request in.

 

If it does get to court you'll want to have it so may as well do it now.

 

And no I wouldnt both calling - it wasnt H.M you spoke to was it ?

 

They will probably ignore you anyway but at least in writing you have proof of your communication to try and sort it out :)

 

Hello Karne,

 

Thank you for your support. I am sorry but I was a bit wound-up after the phone call. It might have been H>M> I don't know. I just felt very frustarated. I could not believe her attitude. I was brought up to be respectful and have polite manners to others.

 

Sorry ranting on again. They have really unsettled me I have been really confident until now.

 

I have acutely CCA them and I am counting the days, fingers crossed.

 

Again thanks

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi HHNF,

 

Don't let them rattle you, quite a lot of us have benefited from your postings, we will be cheering you on and wishing you the very best.

 

Cheer up,

 

Ireatianu:-)

any comment made is just my humble opinion....and what do i know:?: :)

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Hi HHNF,

 

Don't let them rattle you, quite a lot of us have benefited from your postings, we will be cheering you on and wishing you the very best.

 

Cheer up,

 

Ireatianu:-)

 

Hello,

 

Many thanks for your support it is greatly appreciated:D

 

Of all the companies I have dealings with, they ae the ones that have gone for the jugular:-x

 

I only took out the cc, because it claimed to help the rspca. (good selling ploy)

 

What about a society for prevention of cruelty to its customers:lol:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 3 weeks later...

Hello,

 

I have received a court summons from hfc today. I am in a state of shock and don't know what to do:(

 

I was just about to send a letter of complaint to hfc regarding the harrassment calls.

 

They have sent me a copy of a credit application form which I cannot read as it is so blurred. Can't see if it contains all of the prescibed terms etc.

 

The have also defaulted on the SAR.

 

Who do I now write to regarding these. hfc or restons or both. I do feel that they are not going to be helpful now.

 

Please advise, I am truely at a loss

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello,

 

I have received a court summons from hfc today. I am in a state of shock and don't know what to do:(

 

I was just about to send a letter of complaint to hfc regarding the harrassment calls.

 

They have sent me a copy of a credit application form which I cannot read as it is so blurred. Can't see if it contains all of the prescibed terms etc.

 

The have also defaulted on the S.A.R - (Subject Access Request).

 

Who do I now write to regarding these. hfc or restons or both. I do feel that they are not going to be helpful now.

 

Please advise, I am truely at a loss

 

Hells,

 

Relax. Longggggggg way to go and they currently do not know who they are dealing with....

 

Get a glass of red, sit down, chill... now type out or scan the details of the POC - ie what does the Court Summons actually say, what options do they give you before we decide how best to advise you.

 

Also... going rapidly through your thread - they complied with the SAR but provided a blurred copy of an Application form - can you scan it here?

Type out exactly what it says in the heading...

 

Z

[sIGPIC][/sIGPIC]

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Hells,

 

Relax. Longggggggg way to go and they currently do not know who they are dealing with....

 

Get a glass of red, sit down, chill... now type out or scan the details of the POC - ie what does the Court Summons actually say, what options do they give you before we decide how best to advise you.

 

Also... going rapidly through your thread - they complied with the S.A.R - (Subject Access Request) but provided a blurred copy of an Application form - can you scan it here?

Type out exactly what it says in the heading...

 

Z

 

Many thanks Zubo,

 

I am at present unable to download the ca to the site. (technology)

I can if it is agreeable to you e-mail you a copy.

 

The Heading is Your priory application and then it is very blurred and I cannot see or read if it has all the prescibed terms etc.

 

This is what is writen on the summons

 

POC

The Claimant claims payment of the overdue balance due form the Defendant under a contract dated on or about the 13/11/2002 in the sum of £9743.61 inclusive of the interest to the date of this summons at 19.8% per annum from 20/04/07 to 22/05/2007.

Particulars ac no xxxxxxxxxxxxx

Date Item Value

20/04/207 Default balance 8246.01

20/04/2007 Collection Charge 1374.60

15/05/2007 Post refrl cr -43.84

15/05/2007 0.00

22/05/2007 Interest 166.84

TOTAL £9,743.61

Together with:-

interest pursuant to contract at the rate of 519.51 pence per day

to the date of judgement or sooner payment.

Amount chaimed

court fee 240.00

Solicitor's cost 100

 

They have not full complyed with the SAR. They sent six statement with the CA Request.

 

Thanks again

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello, I have now submitted my acknowledgement of service to the court with intent to defend all of the claim. I have written to hfc with a complaint regarding the court issue to me. Unfair actions against consumers, not following the oft debt collection guidence, banking code etc. I have also requested that they send me the true credit agreement and a breakdown of the collection charge and reference to the contractual term to allow them to apply it.

 

I have also written a letter to restons basically saying the same.

 

I am sure that I will get no response from them, but if they don't it won't help them in court.:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Just subscribing. Can't believe their attitude - I'm speechless!!!!!! Still you know you are in the right place for advice. Have you thought about contacting a mod on this one? All the best again, Sally

 

 

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Just subscribing. Can't believe their attitude - I'm speechless!!!!!! Still you know you are in the right place for advice. Have you thought about contacting a mod on this one? All the best again, Sally

 

Hello Sallysas,

 

Thanks for your support.

 

I do want this one to go all the way. The worst that can happen is that they put a charging order on the house and i just keep paying them I have decided that I wont go down without a fight. I feel that they are just bullies and I need to stand up to them.

 

In the current age of society, these financial organisations have to take some responsiblility for their actions They have to be responsible lenders, just not increase everybodies credit limit and then when they genuinely cant make the payments, harrass them day and night, threaten them and then take them to court for the alledged debt (penality charges included)with another £3,000 on top.

 

Anyway there are some good people on this site, who will help I'm sure.

 

I just wish the enforcement agency would do their job of work.:-x

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Just of interest, i'm looking at the 6 years of information kept on our credit files. From what i can see there is no law at all about how long the credit reference agencies are allowed to keep your data on file. If an account is settled, then any defaults and entries should be removed from your file.

Also i believe that when an account is in breach of contract, does'nt the use of your data also end?..If the account has been passed to a DCA then the processing of your data should be stopped.

 

I will write to Experian, Equifax and Call Credit this week and try to get some answers.

 

Uk

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