Never defaulted fortunately. What can i say, i was young and dumb at the time. If someone is giving you money to spend, you spend it! Noted, thanks again for your input. I'll not proceed any further with a claim or complaint.

Yeah i did investigate a claim against QuickQuid and Wonga years ago but I was too late and they are now defunct. So are you saying that there is no point in pursuing a complaint/claim for irresponsible lending against Very? I am aware that it was not a loan that i was being given although it was credit, thank you for this information despite it reading like you are speaking at me rather than too me. What is a CMC? I am investigating doing an IRL claim, this is why i am here posting on this board to see if anyone has done this before and if it is worth doing

Thank you both for your reply! @unclebulgaria67I haven't as of yet, I thought I'd get some advice on here first. I have just sent very my SAR so I will expect a response within a couple of weeks. @London1971 I think i could form a very strong and just complaint. During my early adult life i became a very good (excuse the pun) Very customer, and throughout this time they rewarded me with a ridiculously high credit limit which wasn't relative to how much i was earning at that time and the state of my credit file. I seem to remember the credit limit being in excess of £5,000 but i will be able to confirm when the SAR is returned. At the same time, from 2013 - 2016 I was using payday loan services (such as QuickQuid and Wonga) in order to keep up with the repayments to Very, despite this, the credit limit kept increasing. At the same time as this i was increasing my overdraft when possible and applying for credit cards in order to move money around. I have confirmation emails from the payday loan firms at the time and can submit these as part of my complaint. What are you thoughts? Would you say this is grounds for a complaint?

Hi CAG team, I’ve recently seen a few advertisements requesting that i check my eligibility for a refund for unaffordable credit with the very group. I am fairly certain I would be eligible but I was wondering the process involved, I couldn’t see a thread on here so thought I would start a new one! cheers

No - it was explained to me that they had been absorbed by Nexus. I also explained the steps I had taken and it wasn't mentioned that I had to SAR Highview, unless I missed this?

Apologies, I have been away with no access to emails. I haven't had any response from the fleecers but the DVLA responded with the following: Thank you for your email of 21st July about the release of information from the Driver and Vehicle Licensing Agency’s (DVLA) vehicle register. The DVLA takes the protection and security of its data very seriously and has procedures in place to ensure data is disclosed only where it is lawful and fair to do so and where the provisions of the Data Protection Law are met. The Agency must strike a balance between ensuring the privacy of motorists is respected while enabling those who may have suffered loss or damage to seek redress. I have investigated this matter with Ranger Services Ltd on behalf of Highview Parking Ltd who made the request to the DVLA for the registered keeper data for vehicle registration number NA09MVX. I have had sight of their evidence to show that at the time they had reasonable cause to make their request. I have also been advised that this matter remains outstanding and is in the hands of their Collection Agent. While seeking to ensure that vehicle keeper data is released only in appropriate circumstances, it is not a matter for the Agency to decide on the merits of individual cases or to arbitrate in any civil disputes between motorists and private car park enforcement companies. The DVLA cannot regulate any aspect of a company’s business. Any representations should be made to the landowner or his agent. The DVLA releases information on the basis that reasonable cause is demonstrated. To help ensure motorists are treated fairly when any private parking charge is pursued the DVLA discloses vehicle keeper information only to companies that are members of an appropriate Accredited Trade Association (ATA). The purpose of requiring a company to be a member of an ATA is to ensure that those who request DVLA information are legitimate companies that operate within a code of practice that promotes fair treatment of the motorist and ensures that there is a clear set of standards for operators. The company in question, Ranger Services Ltd on behalf of Highview Parking, are a member of the British Parking Association (BPA) which is an Accredited Trade Association for the parking industry. The BPA’s code of practice is published on its website at http://www.britishparking.co.uk under the heading “Approved Operators Scheme”. If a member of this scheme does not comply with the code of practice, it may be suspended or expelled, during which time no data will be provided to it by the DVLA. If you feel that any of the practices used by the company do not comply with the BPA’s code of practice, you may wish to contact the BPA via email at https://portal.britishparking.co.uk/compliance/LogComplaint or by post at Chelsea House, 8-14 The Broadway, Haywards Heath, West Sussex RH16 3AH. I trust I have explained matters but, if you remain unhappy with the service you have received, you can write to our Complaints Team and I have provided a link to our complaints procedure for your reference: https://www.gov.uk/government/organisations/driver-and-vehicle-licensing-agency/about/complaints-procedure Yours sincerely

Apologies for the delay - i was away on holiday. I have sent an email of complaint to the DVLA and also Group Nexus. It was a little unclear from the above so i decided to SAR them both for good measure. This was to group Nexus ALL DATA YOUR COMPANY HOLDS AGAINST MY NAME whatever format you hold that data in whether it be written, email, phone calls etc. The letter/email from Highview that had their Reasonable Cause sent to DVLA requesting DVLA and Highview process and my Data under that Reasonable Cause for a Parking Offence. Both Information Commissioners Office (ICO) registration numbers for both Highview Parking Limited and GroupNexus Limited. This was to the DVLA: ALL DATA YOUR COMPANY HOLDS AGAINST MY NAME whatever format you hold that data in whether it be written, email, phone calls etc. The letter/email from Highview that had their Reasonable Cause sent to DVLA requesting DVLA and Highview process and my Data under that Reasonable Cause for a Parking Offence. Have i covered everything required?

Apologies - been busy with work this week but have seen the emails coming through! Actions for me to do Complain to the DVLA SAR Highview Once highview have replied to the SAR then send a letter before claim?? I'll get the ball rolling on the top two points now and send tomrrow!

Slight oversight on my part - I thought the signs were dated March 2017 but Google maps has a bad habit of jumping around in terms of dates. We have photo evidence of the signs being up in May 2018 would this be enough?

Plan A - I had a quick look on google ma ps and found the attached. HistoricImages.pdf Plan B - I can SAR the fleecers again, I'll have to go through my previous notes to remind my self of the process. Plan C - I can go back to the carpark, I am close to the area tomorrow and also Friday. Let me know if you need any more info!

Sounds great! The fleecers legal team have requested my account details for the expenses claim.. Should I proceed as normal?

I'm happy to go down this route unsure how we prove which sign was up at the time. Where do I go for this advice? Would I email highview first?

For how much they have inconvenienced me and other people I am more than prepared to go for a knockout blow against them. @FTMDave What would I need to prepare? Also you have said that "if I am sure about the 1 hour limit" please could you elaborate?

That was over very quickly. Whilst the claimants legal representative was going through the witness statement the judge highlighted that the statement of truth was out of date. During my time to talk I highlighted that the judge from the allocation to small claims track had requested that the claimant also sends through the signed agreement (that the statement of truth references) by both company directors with witnesses present. It was noted that this hadn't been done. I am very happy to announce the judge was then quick to dismiss the case, all this taking place within 15 minutes. The judge also highlighted the discrepancy between the signage of 1hour and 1hour and 30 mins (which I received during the freedom of information request) to which the legal representative admitted he had not seen. The they hadn't forwarded on the freedom of information request or my witness statement/defence to him. Speaking with the legal representative before the case he had asked if he could look over my defence, I was reluctant to let him look before the case but was curious to what defence he could conjure in 5minutes so I accepted. He then said that he would ask the judge for proof that I had sent my defence in good time, I showed him (before the hearing) an email I sent on the 6th April that I had infact sent it to DCB Legal, after this he did not mention it in court. It was clear that he had received very little information in regards to the case this was something he conceded at the end. The judge asked for any final words and I brought up the topic of exceptional expenses due to the nature of the case being so definite. Also wasting everyone's time in the court room, the they should be given the harshest penalty. She advised that I had not submitted a counter claim and that the maximum would be £95 for loss of earnings expenses. We then proceeded to work out how much my salary was etc and the they legal rep accepted I should be awarded the maximum. I would like to thank you all for your help and time with sorting through this with me! Once the expenses have been paid I will make a donation the the page!!! Thanks again!!!

@brassnecked Good shout, I will upload later today. @FTMDave So in the Allocation to Small Claim Track it had the date of my hearing on there already. I rang the court on Monday and confirmed that there is nothing I need to do other than turn up on the day. I will redact and upload later today. @lookinforinfo Appreciate you taking the time to look over this! Hopefully the Judge agrees!!!