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    • a 'witness' to it not arriving till the 15th is sadly immaterial too. regardless to the above anyway, the PCN remains valid. 
    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
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default just appeared - shop direct cat account


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Hi Everyone

 

A default has effectively just appeared on my credit record.

 

Its for Shop Direct Finance Company LTD

 

Account was opened on 10/10/12.

 

Default showing as registered on 24/10/18

 

The status history on noddle starts with the default.

There is no information going back beyond the date of the default.

 

Ive been paying a DMP through stepchange, and i have 2 payments for Shop Direct Finance Company LTD.

Another one, and I assume this one.

Although the account numbers and amounts dont match up.

So it might be an entirely new one.

 

This seems like either a mistake or a rather cynical attempt to default it before it drops off my credit file.

Which seems like a punish me rather than a serious attempt at debt enforcement.

Im also not sure if they hadn't already defaulted it.

As if they had it would have fallen off my credit report by now.

 

Whats your thoughts?

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So make a complaint to whoever added the default late and threaten to involve the ICO. The ICO has advised previously that there should not be unreasonable delay in defaults being registered.

 

Your complaint letter should go to the Data Protectiion and compliance officer at the creditors head office address.

We could do with some help from you.

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when did you open the account

who's name is against the default?

SD or a fleecing DCA?

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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well ideally they should have defaulted after your 3rd missed/short payment.

 

the issue you have is I bet they're selling this on hence the default now

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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So what to do?

 

I got into financial issues in may 2013.

 

i almost certainty would have defaulted a couple of months later.

 

Write to them and ask why they waited so long to default me?

Or just CCA to get more info?

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they default on selling the alleged debt usually to Capquest. is the norm it seems also credit fees then immediate add them back on, make sure you keep copy of last payments/adjustments on sell of keep safe

:mad2::-x:jaw::sad:
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maybe bite stepchanges' behind?

they should have ensured all accounts were defaulted charges stopped and int frozen hen the DMP was started...

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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Share on other sites

Can I CCA this company to find out if they have already defaulted me in the past?

I suspect they have

 

just checked clearscore and the pot thickens

 

Clearscore show the account since 2013.

It shows as no payments missed.

Then in September 2017 the payments stop.

It dosent show late or missed, just stopped.

 

In noddle it shows from November 2017 as a straight default.

No payments before this date.

 

According to stepchnage there has been no break in payments.

 

Whats going on? And how do I fix it.

 

Im 5 years into a DMP, where my defaults are starting to drop off.

This puts me back 6 years....

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you sar SD

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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