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    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
    • The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I'm just about to send this to my local council, but thought a few comments on whether it looks ok or not.

 

 

I refer to the above Penalty Charge Notice (PCN) issued by ******* Borough Council on the 13th September 2005. The PCN issued at that time stated the date of contravention, but did not state a date of issue.

 

The PCN Notice purported to be valid and issued under the Road Traffic Act 1991. However it was not a notice as it failed to conform to the requirements of the regulations, (IE: section 66, parts (a – e) in that they did not specify a date of issue (or alternatively a date of notice).

 

Since it is / was invalid, it is a nullity, i.e. is legally null and void, and as such cannot trigger subsequent enforceable action; hence the demand for payment was invalid.

At the relevant time I was unaware of this, and thus induced by the official nature of the documents to make payment to Drakes Bailiffs on 25th April 2006 for the sum of £354.60, for which I am now seeking reparation for the loss, i.e. restitution.

 

With the benefit of a definitive ruling by Mr. Justice Jackson of 2nd August 2006 in Barnet v Parking Adjudicator(2006) EWHC 2357(Admin) on the statutory requirements of such PCNs, and consequences of their failure to comply with statute, being that no financial liability arises, the payment was a 'mistake of fact'.

 

For support and particular focus on the relevant parts of the ruling I would simply draw attention to the following paragraphs.

 

35. The date of the notice will usually be the same as the date of contravention but this is not always the case.

36. It seems to me that section 66 requires two dates to be stated on a PCN. These are the date of the contravention and the date of the notice.

41. If the statutory conditions are not met, then the financial liability does not arise.

42. Accordingly, the requirements of section 66 were not satisfied and no financial liability was triggered either by the PCN or by any subsequent stage in the process such as the notice to owner.

 

I really hope that this matter can be resolved amicably and without the need for redress to the courts. Plus as I believe I have been unlawfully deprived of the money and should I pursue this matter to court I would like to remind you that interest at the statutory rate of 8%, pursuant to section 69 of the County Court Act 1984 would be applied and I have calculated as of 13th May 2007 this amounts to £29.82. This amount is what I will ask the court to award. As you will be undoubtedly be aware this amount will continue to accrue at the statutory daily rate of 0.021%, until judgment or earlier payment.

 

 

I therefore ask you reply the full amount of £354.60 as full and final settlement.

 

Failure to refund all the money unlawfully taken from me will result in me taking further action. I will give you 14 days to reply accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period I will commence my claim in the courts without any further warning. For the avoidance of doubt, this action will inevitably involve you in paying additional costs, i.e. more interest, legal fees etc.

 

I believe that this timescale is more than sufficient, thus take this letter as 14 days written notice of my intention to issue a court claim should you not comply with my request.

 

I look forward to hearing from you in this matter and your remittance forthwith.

 

Any Good?

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  • 11 years later...

why are you bumping a thread from 2007!! zubo!!

 

:der::der:

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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