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    • own topic created  tnx the info. dx  
    • this debt: MBNA Bank of Scotland Card debt- LInk got a CCJ - now want payment review - MBNA - Consumer Action Group and a barclaycard loan - did you ever send the a CCA in all these years.....when was it taken out?    
    • Welcome to the Forum. The PCN must be subject to Bye laws as the warning near the bottom of the PCN does not comply with the protection of Freedoms Act 2012 Schedule 4 Under Section 9 [2][f[] of the Act it should say: (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver ,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; Their version states they are pursuing you as the driver [because of the Bye laws they cannot transfer the liability from the driver to the keeper] even though you are the keeper. Should it go to Court Judges do not accept that the driver and the keeper are the same person. Obviously on many occasions another member of the family may be driving instead of the keeper. Indeed anyone with a valid motor insurance policy is able to drive your car. if any of the three cars were not driven by the keeper they are not liable to pay the PCN only the driver is.  as long as they do not divulge who was driving those lovely people at Alliance haven't a hope of winning against them in Court. What a shame. However while those keepers who were not driving are in the clear all is not lost for the other keeper drivers. Alliance still have to prove who was driving which is difficult providing those keepers do not appeal.  It is quite often that on appeal the keeper may say "I entered the car park at....."  immediately giving away that they were the driver. Plus even if you appeal it won't be accepted as a] they lose £100 straight away and b] mostly all the major car parking companies are dishonest scrotes. In the meantime you will be on the receiving end of threatening letters from Alliance, unregulated debt collectors and fifth, sixth or even lower rated solicitors all trying to frighten the life out of you to cough up. They can all be safely ignored since if you don't contact any of them they don't know who was driving so have no information that the can use in Court to identify the driver. Some time in the future they may send you a Letter of Claim which must not be ignored. Just let us know and we will advise a suitable snotty letter to send them which will show that you are not afraid of them and are happy to turn up in court knowing that you will win. Sorry it was a bit long winded.  
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
    • Britain faces new challenges from an older and sicker population, according to a new report.View the full article
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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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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Has Goldfish Credit Card Drastically reduced your limit?

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Hi everyone

It seems that lots of people have just received standard letters from goldfish Credit Cards telling them that their credit limit has been drastically slashed, with immediate effect. (By the time you get the letter they have already done the dirty deed!) In our case the credit limit went from £10,800 to £700. (Yes the figures are correct!) Like all those people complaining on other consumer websites, we too had been excellent payers for over 15 years. We have never used the card to excess despite the enormous limit set by them. In this standard letter they talk about being responsible lenders and that seemingly reached this decision by using credit reference agency data and their own info relating to the performance of the said account. (yeah right) At first we thought it was just our account and worried about possible ID Fraud, but it became clear over the weekend that a lot of people have received the same letters and a lot of people are really angry. Also the other thing that became clear is that a lot of people have been duped into sending for their credit file (which incurs a cost) only to find that as they had suspected, there was nothing wrong with them! So I smell a big fat Rat here and wondered if anyone here has had a similar experience. I intend writing to them and demanding an explanation (which as you know I won't get) but at least I can show the Financial Ombudsman Service that I at least tried. Credit Card companies, including Goldfish are regulated by the Financial Services Authority and just because they (Goldfish) think they can do this, does not mean they can, otherwise there would not have been a High Court hearing last week which found against their decision not to cover overseas purchases. So I for one am going to have a go back, not because I need the credit limit, but because I am seemingly penalised for being a regular payer with an excellent credit reference! If this has happened to you and you want to join my fight email me at [email protected]

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American Express have been doing this for some time. One of my cards was reduced to a credit limit just above the outstanding balance - for my protection and because they are responsible lenders, apparently (though not responsible keepers of agreements, I note).


Amex told me that they base their decisions on your overall credit record and how much you have borrowed elsewhere - presumably they get the info from CRAs.

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Thanks for that, it seems that they are pulling the elastic tighter, what I object to is that they do it under the prentence that they have come to the decision by looking at the way you conduct your account with them (in most cases people have been exemplorary payers) and that they have up to date credit reference agency info. Question I have posed in my response to Goldfish is how did they manage to get information from any of the credit agencies on me when I have lived in France (with their knowledge of course) for a considerable amount of time? According to the CRA's they dont hold informatioin on Foreign addressess only UK ones. I think I have caught them out LYING!:eek:

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Amazing, today we have had a letter from Goldfish telling us that its all been a bit of a mistake, apparently thier automated "systems", which they rely upon, sent out the letter to us incorrectly and they (Goldfish) are very sorry, blar blar and have restored out credit limit to £10800, we can be assured apparently that their mistakes will not reflect in any CRA data.

NOTHING to do with me sending a registered letter last week then asking for information under the Data Protection Act especially that which they say they obtained via a CRA. Whoever undertakes to respond to the complaints (and I used to lecture in this subject )must think that we all fell of a flitten, no Goldfish you were caught out telling porkies about CRA data being used, especially in our particular case. Three days ago we received a reply from one of the two largest CRA's in UK, confirming that they do not hold client information for any client who lives in another EU country, their records only hold UK resident information. Perhaps the notion that I was going to write to the FOS and the FSA made someone think opps this means investigation of our actions! So dont treat your customers like idiots Goldfish, because some of us have more than a 3 second memory span, unlike Goldfish!

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What on earth is going on at Goldfish one wonders. We had a telephone call today from somebody purporting to be from the underwriters dept at Goldfish. They asked for security questions to be answered on the phone!My husband only complied up and to the point of being asked for his password. He said thats enough and giving such information goes against all advice given on internet in order to prevent identity theft. The person who called herself "Jilly" said that was not the case and again asked for the password. So MOH asked what this was all about and was told "no can tell with you answer the security question":confused: So MOH said no can do bye bye. Have emailed Goldfish this afternoon no reply as of yet. On their site Goldfish say dont give out such details. So either one hand doesnt know what the other is doing, or it was a [problem], either way thought I would just warn you.

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