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  1. Really sorry, I’m not familiar with SB? What do this mean? I apologise for my lack of knowledge on the terminology but thank you for responding.
  2. Sorry to hijackck this thread but I had letter from them and like a fool I contacted them and confirmed my identity. I also made it clear they weren’t to share my data with Global Debt Recovery but I’m guessing they will take no notice. (My old Debt is over 10 years and statue barred) Do I have any legal rights to ask them not to share and what legal basis do they have?
  3. Sorry to hijack this thread but I am in the same boat. My employer is removing the fuel card which has been part of my contract of employment for the last 10 years and is also written into it. In its place, we will get a pence per mile allowance based on your company standing. (we have a grading system) We all have to declare mileage, business, commuting and personal so no issues there in terms of the tax man. We had group email last week saying it was going to be removed early next year. No mention of receiving new contracts or any right to appeal or even what to do if we disagreed. To me, they have done this the back door route. By sending out email and document explaining the new changes, we are unwittingly accepting the changes. People are not happy at all but don't know what their rights are. Employee helpline said the fuel card was not actually contractual even though it is written in as being provided for the job. I'm confused. Does this mean that my contract has been worthless for the last 10 years and everything else within it is also not contractual? Can they do this? Any thoughts please?
  4. The charlatons reply.... From: Sent: 08 March 2011 13:57 To: [mailto:[email protected]] Subject: RE: Moto - Considering it was quickly identified on the same day I complained that the camera was 'malfunctioning' why was this not spotted before your attempt to extort money from me? Trying your luck was you? I absolutely stand by my comments and your letter was a disgraceful attempt to scare me into paying up. Had I been elderly or vulnerable, I probably would have been frightened enough to have done so and lined your pockets even further. To suggest if I don't pay I will see my credit rating affected by this is totally unacceptable. What would you have done if I had done the other decent thing and put your letter in the bin where it belongs? A debt collector? More threatning letters? Go ahead and quote chapter and verse on 'Common Law' if you wish but you would have a hard time proving it in court and no doubt would make Moto look rather stupid given their business is all about attracting drivers in need of a rest. I don't particularly care for your or Moto's apology in all honesty. Your company went to the trouble of requesting my personal data from the DVLA for £2.50 in the hope it would generate a nice little earner for you yet couldn't figure out the camera was alledgely in need of a service within the 28 days it has taken? Unscrupulous anybody? From: [mailto:[email protected]] Sent: 08 March 2011 12:09 To: Subject: Moto - Dear xxxxxxxxx I have had passed to me from Moto Customer Services, a copy of your email to them dated the 4th instant. I have also had site of the email from Moto Customer services t you dated the 4th March confirming the cancellation of the parking charge notice, and offering an explanation as to how the equipment had malfunctioned, and at the same time tendering an apology which I would whole heartedly and unreservedly support and endorse. Unfortunately we do not live in a utopian society and in all walks of life be it domestic or commercial , equipment does malfunction or fail hence the need for service engineers. All our protocols are in strict accordance with the regulations as set down by the BPA with whom we are nominated Approved Contractors, and to refer to us as unscrupulous, as a charlatan company, and to refer to our letters as a “sting” is unwarranted and unfounded, and we will not accept any repletion of those libellous comments. I can only reiterate the apology, and I hope that all future visitation to any of the Moto sites we manage nationwide pass of incident free. Assuring you of my very best attention at all times. Ian Langdon Chairman CP Plus Limited 10 Flask Walk, London, NW3 1HE T: 020 7431 4001 F: 020 7435 3280
  5. No, it refers to 'parking charge' The letter from CP PLUS also has a statement which says: 'Failure to pay the full balance outstanding within 14 days of this notice could result in the balance outstanding being registered as a debt against you. You will also become liable for additional costs and interest involved. Your ability to obtain credit in the future could be affected'. Can they actually say this? Under what type of court order would a debt be registered against me?
  6. I feel better just for complaining about these charlatons! I received an email from MOTO who state that the camera's were malfunctioning on the day in question and the penalty charge has been cancelled. Fair enough but it should never have happened in the first place. Clearly I never even parked, I refilled with fuel twice in one day and went to the petrol station only. How on earth did they expect me to see any camera or notice, especially given it was early morning and dark and the second late evening and in the dark again. I also took the liberty of emailing the ABPA and telling them I believe CP Plus has broken their code of conduct. They have very kindly emailed me back attaching a set of slides about codes of conduct and saying that they are prepared to look into my complaint. See below... Dear XXXXXXX Approved Operator Scheme BPA Ref: CP+ 11-17 Many thanks for your email belowconcerning the parking incident you experienced with CP Plus. The Approved Operator Scheme and its Code of Practice was developed by the BPA to bring a degree of regulation to an industry without primary legislation. Regrettably as we are not a regulatory authority, we are not empowered to become involved in disputes between you and the car park operator. Having said that, I would be happy to make representation on your behalf to the operator concerned and/or seek to determine whether they are in breach of our Code, if they are a member of the BPA. To do this I would need to be provided with some items of information including the incident number which should be in the receipt for payment or on the Parking Charge Notice, and copies of any correspondence which may have been exchanged. If a member is found to be in breach of the Code, they would be subject to our Sanctions Scheme where Operators who breach the Code can expect to receive a number of penalty points depending on the severity of the offence. As with driving offences, once an operator’s ‘licence’ has reached twelve points in any given 12-month period, then he is likely to be faced with suspension or expulsion. Many thanks for bringing this matter to my attention and I look forward to receiving the additional information requested at your convenience. Yours sincerely AOS Complaints Team From one of the attachments sent to me...... As with all methods of enforcement on private land, proper enforcement depends on clear signage that is visible from all over the car park. The BPA’s new Code of Practice contains recommendations for the size, placement and wording for signage, including the fact that the car park is monitored by ANPR technology and that DVLA will be contacted to obtain keeper details in the event of a parking contravention occurring This is new technology: Is it working perfectly? As with all new technology, there are issues associated with its use: a) Repeat users of a car park in a 24 hour period sometimes find that their first entry is paired with their last exit, resulting in an ‘overstay’. Operators are aware of this and are now checking all ANPR transactions to ensure that this does not occur. b) Some ‘drive in/drive out’ motorists that have activated the system receive a ticket even though they have not parked. Reputable operators tend not to uphold tickets issued in this manner (unless advised differently by the Landowner/Landlord), but operators should also now be factoring in a small ‘grace period’ to allow a driver time either to find a parking space (and to leave if there is not one) or make a decision whether the tariff is appropriate for their use or not. This ‘grace period is however at the discretion of the Landlord/Landowner and will also vary in duration, dependant on the size/layout/circumstances of the car park
  7. I emailed MOTO who operate the Frankley Services station, near Junction 3/4. Heres the email trail.... Hi Karen, Many thanks for getting back to me. I appreciate that the charge has been cancelled but it is unfortunate that it ever happened in the first place. These kind of letters cause immense distress and had I not been vigilant in keeping my fuel receipts, I could have easily been an elderly or vulnerable person who would have worried themselves sick over this and paid up. It is totally scandalous that the letter implies legal action and having a debt registered against me. I do not believe this to be even a lawful practice as no offence has taken place and there is no contract or credit agreement. I am furious that they have gone to DVLA to gain my driver details on the basis of a faulty camera? I am keen to know how and why you allow such letters to go out given that it is your company name which is implicated in this. I am truly disgusted at this and that you employ such unscrupulous agents with equipment which is clearly not fit for purpose. There is a legal time limit of requesting information from DVLA which must be done within 28 days. Amazingly this reminder notice was printed on the 28th day and having not received an initial letter, I also believe this to be in contradiction of the code of conduct. I believe there to be a misue of my personal data and DVLA records and will inform them so. How many other people have potentially been stung by these letters? How many people have potentially paid up out of fear? I am sorry, but this is a disgrace and even though it is private land, there is no legislation to parking on it and nor can you enforce such penalties in court. Your business operates and needs vehicles parking on your premises and if this is the repayment I get for being a repeat customer (and also my business) then you should be keeping a closer eye on such a charlaton company who represent you. I would details of your head office and name of a senior manager if you could kindly send it to me. People like CP PLUS ought to be ashamed of themselves and so should Moto for employing them. They deserve no sympathy and the more that people complain about their unlawful practices, the sooner we shall see an end to such disgusting tactics on innocent drivers. Kind regards From: Services, Customer [mailto:[email protected]] Sent: 04 March 2011 13:11 Subject: RE: Moto resposne Thank you for forwarding the information I requested. I have contacted CP-Plus concerning this matter and they have confirmed that following representation received, the charge has since been cancelled. It would appear that our ANPR cameras on site malfunctioned and did not recognise your vehicle entering and leaving on the 2 separate occasions, please accept my sincere apology for this error and any distress caused. Please do not hesitate to contact me if I can be of any further assistance. Kind regards Karen Sent: 04 March 2011 12:43 To: Services, Customer Subject: RE: Moto resposne Hi Karen, Thank you for contacting me. The parking charge notice number is xxxxxxxxxxxxx and I refilled petrol at the southbound Frankley service station on 1st Feb at 07.27 and again 18.21. I had travelled to Exeter on the day in question on business. My regional office is sited minutes away at junction 3 hence I have used this station on a number of occasions. I have ARVAL company fuel receipts to prove I was a legitimate customer on the date and times. The manner of the letter was offensive and it states it is a reminder letter, but it is the first letter I have ever received. I will be advising our head office of this matter also due to the threat of having a debt registered against me. I will also be contacting trading standards. Kind regards From: Services, Customer [mailto:[email protected]] Sent: 04 March 2011 12:37 Subject: Moto resposne Thank you for contacting us via our website. To allow me to investigate your comments further I would be grateful if you could confirm the Parking Charge number or your vehicle registration and the site you visited. Once received, I will investigate further and contact you directly with my findings. Yours sincerely Karen Davis Customer Services
  8. Are they the same company then as C Plus? (I can't see anything that says they are related!)
  9. Hi all, Last month I made a return business trip from near Birmingham to Exteter. Having a small car I refilled with fuel for the journey down to Exeter and then needed petrol again just before getting home. I used the same service station at 7.27am in the morning and 6.21pm on my return home. Imagine my disgust at getting a demanding letter for £80 from CPlus who stated I had stayed at the service station for over 10hours!! I have emailed CPlus, here is what I have sent them... Dear Sir/Madam, I am emailing you in reference to a letter I received yesterday in relation to a Parking Charge Notice - XXXXXXXXXXXXXX for allegedly parking on private property in excess of 10 hours on 1st Feb 2011. I am outraged at this letter and you absolutely have no right to be sending such a threatening letter. I was a paying customer who filled up with fuel prior to a business journey in Exeter on the morning in question. My office is sited next to the nearest junction hence I fill up at this service station on a regular basis. As I was sharing the journey with a work colleague, I had to return to the office the same evening. The return journey from Frankley to Exeter of over 250 miles meant I needed to refill with fuel the same day. I have my business fuel receipts and my business will support me in court in proving I was not parked up on a service station for 10 hours. Your letter which implies legal action and my ability to obtain credit is disgraceful and I would believe to be unlawful as it is not a credit agreement. Your letter could also be construed as harassment and demanding money with menaces. No parking ticket was even issued and nor did I see any sign for private parking as I only visited the petrol station. I will be reporting this matter to the British Parking Association who you claim to operate in accordance with. I am also contacting the DVLA as to how you got my details when no offence has been committed under any law. I look forward to hearing from you.
  10. Hi all, new to the forum but thought I would share my story with you and my awful experience with Abbey. Customer for 18 years, up to now no problems. 1st May - My purse was stolen, abbey bank card and driving licence was in the purse along with some cash and other cards. My bank card was used to make 6 over the counter transactions totalling £3000 in one afternoon. 2nd May - This was when I noticed my purse was missing and contacted Abbey. They immediately froze my account and opened an investigation. Police also did the same and requested all CCTV footage and bank slips with my signature on. The PIN number wasn't used over the counter but they had driving licence as sole I.D. Over the month of May, Abbey initially refused to credit me back with any of the money. I was left just short of 2 whole weeks with no money. All of my direct debits bounced and I had no cash to buy even shopping. Abbey then decided to charge me for not being accepted for an overdraft even though I hadn't applied for one. They also were very quick to send me letters saying they were charging me for each bounced direct debit. This all amounted to about £300. As you can imagine the stress of this was unbelieveable. My wages and my overdraft had been cleared by a thief/thieves and Abbey wasn't the slightest bit concerned. I asked them how they managed to allow £3000 to be withdrawn in one afternoon when the withdrawal limit was £500 per day over the counter. At first they said that was correct and then they changed to say it was at the discrection of the individual bank. I also asked why no one had picked up the thefts had all occured in Wales when I lived in Birmingham, surely somebody should had noticed the little difference possibly in accent and what the hell I was doing making so many over the counter transactions in a place I didn't live? I had been in Cardiff for a work meeting on that day admittedly, the first transaction being made within less than an hour after I left to come home. The card was stolen in Cardiff and not in Birmingham. (The branches were all around the Cardiff area) It gets better. The police also have a gripe. Abbey at first refused to give the investigating police officer any information. After an official form was completed, they then said they had no CCTV footage for any of the branches and they had also lost the counter slips bar one which had been used to forge my signature. 6 Branchs and not one CCTV camera? Apparently one branch did have it but it was broken on the day of the thefts.....How can they lose the counter slips? Abbey have offered me £50 compensation which they credited to my account. I lost time off work with stress and the impact of this meant I am still trying to catch up with my direct debits. I lost about £500 in all (£300 was done via cash point machines, my PIN number was my date of birth which was on the driving licence) I challenged this as I have had the same PIN number for the last 10 years and obviously never needed to write it down, but Abbey were adament that I am neglible in giving the PIN number out. Is it worth going to the Ombudsman or am I just wasting my time full stop? Any thoughts? Many thanks
  11. Hi, I am just in the process of trying to sort my debts out. My marriage broke down and in the same month had my purse stolen which resulted in £3000 being taken from my abbey bank account. This money was wages and overdraft. The majority of the money was replaced but I lost in all almost £500. It took almost a month to sort out and to get a new bank account. The result of this and the marriage break up is that I am heavily in debt due to having to pay double my outgoings compared to when I was living with my husband. I owe Capital One just short of £4000 on the credit card. I have rung up and offered £50 per month but they refused and asked for £700! They have slapped on some charges and another £12 today. What is the next step once they default my account - they mentioned on the phone about selling the debt off to a collection agency. Can anybody advise how I negotiate with either Capital One or whoever they sel my debt to? I don't dispute the debt and will make payment to what can afford but I am so worried about being harrassed and would rather show willing to pay up rather than keep hanging my head in the clouds and ignoring my problems. I owe the following debts: Capital One Credit Card- 3926.48 Nationwide Loan - 3332.83 (not secured) Egg Credit Card - 2106 Egg Loan - 2183 (not secured) Black Horse Loan - 5579 (not secured) Black Horse Secured Car Loan - 9591 - This has been paid and I will continue to do so, I need the car to stay in work. This is up to date and not in arrears. Can anybody please give me some useful advice on what letters to send off, I'm getting phone calls constant on my mobile and I'm getting scared to pick up the phone. Many thanks
  12. Hi, it wasn't a bank account, it was for a barclaycard. Firstly the debt was passed or sold to Mercers in 1998/99 and then this year Lowell. Mercers have never searched my records and as said previously the debt is over 6 years old so has been removed from my credit record. I had no letter from Mercers to say the debt was being passed to Lowell and no letter from Lowell to say they were passing it to Red. Would I be better to CCA Barclaycard or Lowell or Red for a copy of the original signed credit agreement (which one? )- I guess this would tell me if I signed to allow the debt to be sold on in the case of non payment, but assuming this is the case, does this mean I have signed to say it can be sold/passed on over and over? But - if Barclaycard/Lowell/Red can't provide me with a true copy of my credit agreement, does this mean debt null and void? I can't imagine that I owe them the £300 odd quid they say I do. I know there was over this amount in charges! Many thanks for the advise and sorry to ask so many questions that must seem repetitive to you.
  13. Hi, many thanks again. I did pay Mercers for some years, from 1998 onwards therefore I was acknowledging the debt. I haven't paid for about 18 months or so. The amount owed I think was less than £1k, but quite afew hundred of that was charges/interest! It was Lowell who searched my credit file, no mention to Barclays whatsoever. I do remember that when I contacted Barclays to advise them I was in financial difficulty, they refused to suspend interest charges and kept applying them until the account defaulted. That was when Mercers got involved and I agreed to pay them £10 per month from my benefits. I paid this religiously for some years and after having no contact or no idea how I much I owed, rightly or wrongly I stopped paying. I think I will contact Barclays to ask them for the CCA? (Sorry, not sure what this entails of, I presume is it the legal documents for them to transfer the debt?) Thanks again for your advise, much appreciated.
  14. What is the difference between a credit search and an enquiry? A credit search is a search carried out for lending purposes. An enquiry is carried out for other non-credit purposes, such as employee vetting, tenant vetting and Electoral Roll checks (not related to credit applications). Credit searches and enquiries remain on our files for two years from the date of the search. Hi Rory, thanks for the reply - however I don't understand why they have searched my records - I obviously haven't applied for any credit with Mercers/Lowell or Red nor have I applied for employment, tenancy etc. Are they allowed to search just to check if I am on the electoral roll?They have searched my record with absolutely no permission whatsoever. The Barclaycard account doesn't event show on my recods now due to the timescale involved, so I really don't understand how they can do this??
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