Thanks for your reply. Issue is this; They do correct the CRA reports and I can see the correction. However this reverts back to incorrect reporting after a few days / a week. What you are saying is , ask them to correct CRA again, right?

Apologies if missing the obvious but how will requesting SAR help with them correcting the CRA reports.

Thanks

Looking for opinions, experiences on the situation below please.

Would you sue if your lender has continiously been reporting incorrectly 'Missed payments' to credit agencies (Experian and Equifax, surprisingly not callcredit) for 5-6th time. So you have made all mortgage payments in full and on time but lender keeps reporting this incorrectly as missed payments.

I am in a position whereby I am almost having to call the lender every week to correct my records (which they do then apologise and say it wont happen again but it still does). Also my credit score has dropped by about 250 sincethis has begun.

Keen to hear what you would do and how you'd handle it.

Thanks

Thanks guys - will go with the email method with delivery proof. Want to take the bull by horn as it were, instead of playing the waiting game.

If the debt is infact owed then wouldnt mind clearing it but need the suckers to prove it is infact owed and is correct and what it is made up of.

(sending me one page saying I owe Three (3g) £155 doesnt really give me an explanation of what thats made up of .)

Rant over!

I have checked all my credit reports from 3 agencies and Halifax Credit Card have put a strike on my account for a single late payment (probably by about 10 days)..

I have been looking around looking for a template to ask them nicey nicely to get this removed etc

has read there are some templates by surlybonds but have not been able to find these bad boys, been looking all morning :-s

Help any one? :?

Thank you

Have received my first letter from the chaps at Lowell.

Similar to one on this thread: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/116159-lowell-help-first-letter-3.html

Question is, can I just email them instead of having posting through snail mail or should I be doing both. They have provided their email in the letter.

What do you guys think ?

Thanks Pin1onu - I have taken onboard your thoughts above and have included in the letter. I will post an update by the expiry date of the notice or if they decide to write me before. Chances are this will most likely get taken to Small Claims.

Sincere Thank you to everyone who has helped so far!

Sorry lamma I just pasted in the main content. I did have a 'Letter before Action' in the heading..Thanks however.

Thanks havinastella

I have put together a breif warning letter to these guys before I put a claim through just so I can show the court that they were warned. Your honest opinion appreciated:

...

I write in regards to your letter dated XXXX.

 

I believemy concerns have not been adequately addressed and I remain of the opinion that the charge was disproportionate and unfair to any loss you may have suffered.

 

With the above in mind, I demand return of my money (£181) or I will be pursuing to recover these costs from you and the Land Owner in the County Court based on the key facts below:

 

 

· The charge is extremely disproportionate and unfair.

· I had not seen any signs; hence I did not enter or agree to any contract.

· Therefore the clamping was illegal.

 

You have until 31st July 2008 to return me my money after which I will pursue you for these costs in the County Court.

 

....

Thanks for your reply lamma

Would love to claim against these guys.

Sorry I am unclear though on what basis what I make my claim on? Illegal clamping? if so, what makes it illegal ?

Thank you again

Hi all, finally got a reply from them and they completely ignore most content of my letter, here is what they said:

.....

With regards to your appeal against the fixed penalty fine you received, after looking into your appeal unfortunately you will not be entitled to a refund as the reasons follow:

 

1) Where your car was parked is privately property, where there are signs stating the rules and regulations of the property. Park Direct signs state any vehicle stopping or waiting on this land not displaying a valid parking permit will be clamped and or towed away immediately with no notice and charged with a fixed penalty fine.

 

2) Once a vehicle has parked on the property not displaying a valid parking permit, the attendants are within there right to immobilise the vehicle immediately as stated on the signs. Signs have been erected on the property to warn drivers of the parking restrictions, it is the driver’s duty to observe all signs within the site to see if parking is allowed on the property.

 

3) I understand from your letter that you parked your vehicle in XXXX court whilst helping your mother who is a disabled badge holder, unfortunately the area in which your vehicle was left unattended is private property and for permit holders only. Park Direct have been contracted by the land owners to patrol and immobilise any vehicle illegally parked, the only way the attendants can deter who is and who is not parked legally is by the parking permit only. Signs explaining the rules and regulations have been erected around the property to warn drivers of the parking restrictions. After looking into the photographic evidence, no disabled badge was on display, if it had of been then this vehicle would have been exempt from clamping. When parking on any property it is the drivers duty to check for parking restrictions and by leaving your vehicle unattended without a permit on display, even for a short period of time you the driver agree to the terms and conditions stated on the signs.

 

4) Park direct signs are double the legal requirement and all the attendants have a SIA license.

.....

Here is MY Letter to them:

......

I am writing in regards to the clamping of my vehicle (registration number above) on 17th April 08 (your receipt with reference enclosed)

 

On return to my vehicle (after about 16mins) I was surprised to see the vehicle clamped as I had genuinely missed the notices which the clamping attendant pointed out to us. I was disappointed in that I had displayed my mother’s disability badge (photocopy enclosed) whom I was helping with groceries at the time.

 

On discussing this with the clamping attendant at the time we was told that they could not see the badge displayed, for which the only explanation we could think was that blue badge may have slipped off the dashboard as it was placed on the edge.

 

I believe the total sum charged, £181.20 is an unfair and an excess amount under the Unfair Terms declaration the in Consumer Contracts Regulations (1999).

 

With the above in mind, I would like to request that your company should, as a goodwill gesture of reimbursing the funds as it was a genuine mishap and I had with good intention displayed the blue badge. If not then keep a reasonable sum of money for the loss your company may have occurred, which I believe would be no more than £50 unless you could prove otherwise in the court (should this matter proceed to that stage failing a reasonable outcome).

.....

Question is, what can I do now? I am still very annoyed at them for charging me SO MUCH MONEY when half the place was empty, I had not taken anyone's space etc.

Your help and Guidance would be most appreciated!!

Hi all, Thank you for your responses..sorry about the delay in replying. I did write to the company within their '10days appeal' timelimit , now waiting for a response.

pin1onu - your guide was a great help in putting the content into the letter. Main focus of my letter was that charge is excessive, blue badge (even though it fell off!)

Problem is that they took a photo of the car where they claimed at the time they could not see a blue cadge so I couldnt say in the letter it was displayed on the dashboard.

Pat - Believe the was wearing a badge at the time but he signs became obvious when he pointed them out, had completely missed them before.

Will post updates when I receieve a responce from Park Direct. Meanwhile I am also going to raise a dispute with my debit card company to try get this payment reveresed

Hi all,

very interesting place. Have been reading Petej2811's sticky with interest!

I hope some of you will be kind enough to guide me in my fight to get 181£ refunded to remove a clamp from company called 'Park Direct'

I parked in a private carpark, missed the signs displayed my blue disability badge (which managed to slipp off the dashboard ).

Came back, car clamped. attendant was present so asked why, pointed the sign to me which I said I had missed signed said you needed a resident permit to park)

Mentioned the blue badge but because it had slipped off, they didnt see it so asked me to pay 150+vat+debitcard charges=total £181!! so had to pay in the end to have the clamp released !!

I now want to appeal against this heavy charge on basis of my blue badge and Unfair Terms in Consumer Contracts Regulations (1999). As obviously charging £181 to remove a clamp is a bit much.

I would most appreciate if you can share your experience, give guidance on any more ammunition I can put into the letter

Many thanks in anticipation