Are there any threads where CRS have issued a letter of claim or court claim, cannot find any so a link will be appreciated

Just checked my credit files and a difference in default dates

JCI on my Experian report as the creditor

On my Equifax report only Virgin media as the creditor, no mention of JCI.

The default date on my Experian report is recorded two months less than on the Equifax report?

Not going to make an issue of it but any ideas?

What is confusing is the debt on my credit file states JCI as the creditor, some American debt buyer with an office in Basingstoke and CRS doing their dirty work, but?

The latest email thermogram from CRS states

CRS have been instructed by VIRGIN MOBILE to recover the overdue balance

Now am confused who actually owns the account?

These people really do need some kind of official enforcement against them from the Regulator.

Totally ignoring them but they are sending texts and emails every day with their blatant harassment. And I mean everyday. Thick skinned myself but they need to be stopped.

Anyway, done some further digging

Returned the phone and cancelled the agreement as to Distant Selling Regulations. Thought nothing of it but it seems as well as the airtime agreement, they supplied the phone, which was returned (post office receipt lost long ago) as a fixed term loan agreement. This is what CRS are chasing.

What are people's views with Virgin and these fixed term loan credit agreements and enforceability? How do I attack these kinds of agreements? Last thing I am going to do is contact them and just keep deleting their spam.

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Up to you, but as stated previously, you need a paper trail

The more sources look better for you rather than get stuffed in a contract you cannot get out of.

It shows your commitment in trying to resolve the dispute by acting reasonably and leaves them little room to maneuverer.

This is where I will disagree.

If you need to elevate the dispute to the Regulator you will need to prove that you acted within the 14 day cooling off period. For that you will need a confirmed paper trail. For the cost of a signature on delivery it will save a lot of hassle down the line.

Wait for more replies but if I were in your position?

Send them a letter to their head office giving formal notice to cancel. Send special delivery so you can prove they received it within the 14 day cooling off period.

Send a duplicate of that letter by email to their complaints/customer relations dept so you have email proof as well.

Car was purchased October, four months ago through a local dealer established over 20 years.

The Warranty was thrown in at no extra cost.

Purchased a used vehicle five months ago from an established dealer. New shape Nissan (2017) and funded through Finance  (Lendable) at 18% APR

Added 12 month Warranty included with the Vehicle through Bluechip Warranty Ltd Norfolk. Cover lever (Driveline Plus)

The issues are the electronic folding wing mirrors not opening when you unlock the vehicle.

You can hear the motor in the wing mirrors but struggling as they will open with a little manual encouragement.

Looking online and seems a common problem that needs a good dose of WD40 on the mirror motor but you have to take out the glass mirror to do that.

Basically any advice or options with the warranty before I stick in a claim? It came with the car but as always with these warranty policy small print, buyer beware.  

This is the issue I am having since you quoted 

Section 9 [e] "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper-(i)to pay the unpaid parking charges "

Realise Scotland And Northern Ireland are different being devolved administrations so will concentrate on England and Wales.

s9(2)(f)(II) states 

the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; 

This is known as Keeper Liability under Schedule 4 Protection of Freedoms Act 2012  

As stated previously, my own opinion based on what is stated in the CPR and Pre-action protocols

That is negotiation, appeals and mediation to keep litigation out of the courts.

ParkingEye are no strangers with issuing claims

That to me are grounds to appeal the ticket, not ignore. but wait for more comments

What Provision Criterion or practice have you identified?

If I can be blunt, disciplinary matters with other employees are not your concern as they are confidential.

Obvious question to ask is why wait with the appeal until you get a letter of claim?

We all know Parkingeye are no strangers to the court system.

If a claim is issued the court will want to know why you ignored the parking charge notification and did not appeal the ticket with Parkingeye, and POPLA when that appeal is rejected.

Just my own opinion, looks like they have you bang to rights for breach of contract so need to seriously consider paying the reduced rate while you can. not to mention any possible court costs on top as well

This is extremely worrying, especially those who have had zero dealings with the police in the past.

We all know the police have a vast database of people who have never committed an indictable offence. Am talking about those who go on organised demonstrations, especially organised by trade unions. We see specialist police constables with cameras and a designated forward intelligence team.

Some of us still remember what they put Ricky Tomlinson through at the hands of Norris McWhirter and the Economic League with Blacklisting.

This is getting like China every day with guilty by association.

Whatever happened with the Constitutional Pillar of Law and the presumption of Innocence?

If nothing is showing on your credit file and no active collection activity, leave well alone.

You can reasonably assume it is now statute barred.

The settled date would be when they sold the agreement to a debt collection agency. The collection agency would then register the debt in their name with balance outstanding.

The question to ask is if they have actually assigned the account to a collections agency, or are they simply collecting on behalf of the original creditor?

Interesting as well no default date. Might be in error, but can see no reason an agreement has to be terminated and defaulted to be sold to a new owner? The decision to officially default a contract under the Consumer Credit Act as a cause of action under s.5 Limitations Act is up to the creditor.

If the original creditor still holds the account, and it has not been defaulted. The Limitations Act will not apply and can go on indefinitely. That includes updating credit files. When was the last activity under this account on your credit file and is it still there and not dropped off?

Thank you. Will have a nose

Can you reference which section you used under the Act in claiming compensation, please?

And what is the UK Post Scheme reference please?

That was the point i was making. Why did you call it the U.K. postal scheme 2000 and not the proper reference source?

DAC Beachcroft act for Royal Mail but normally High Court cases, not County Court

Can I ask what is the U.K. postal scheme 2000 you reference? That is new to me.

Royal Mail must have changed their solicitors, they have always used Weightmans?

Doing some research into this DCA called CRS.

It appears they state their terms of business are an online company and do not respond through Royal Mail, only email?

Now have blocked their emails because of spamming/harassment, so my question is:

Can a DCA legally refuse correspondence through Royal Mail as communication?

For the record have totally blanked them so far as six months left before Time Barred

Having totally blanked CRS collecting on behalf of JC International, seems they have now passed this to another load of vultures trying their luck..

Improved Financial Solutions (IMFS)

Is this same crap different nappy, or should I be concerned?

Just my opinion?

Why do you wish to submit a claim? What financial loss have you actually suffered as they offer £10 as a goodwill gesture?

Any prosecution will be through trading standards at the local authority if they have a history of this.

Again, put this down to an inconvenience and forget about the notion of any claim, as it will probably be you out of pocket as a vexatious litigant.

Would the fundemental element of the offence not be 'Intent' to litter?

Without that, there can be no offence.

The exception being if littering is a strict liability offence which apparently is open to debate.