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    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the fine dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, so I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant   1 Date of the infringement 24th May 2024   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024   3 Date received 5th June 2024   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N   5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land.   6 Have you appealed? [Y/N?] post up your appeal] N   7 Who is the parking company? MET   8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE   For either option, does it say which appeals body they operate under. POPLA Anyway, I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
    • While we wait for someone to explain how farage is any better than sunak  .. if not worse   One of many likely upcoming belly laughs   Reform chairman Richard Tice has accused the Tories of (reform like) “dirty tricks” after one of his party’s candidates withdrew his papers to stand at the last minute and endorsed former cabinet minister Sir Gavin Williamson. In a dramatic final 24 hours before nominations closed there had been fevered speculation that as many as six Tory MPs and other candidates could defect to Reform after Nigel Farage decided to stand in Clacton and become leader. But instead no Tories switched and Tom Wellings, the Reform candidate for the new seat of Stone, Great Wryly and Penkridge in Staffordshire, quit and put out a statement endorsing Sir Gavin.   Who does he think he is an Anderson, a Carswell !!! was heard at the reform HQ pub ... as Candidate brushed aside by Farage in clacton to run as an independent    Tice accuses Tories of ‘dirty tricks’ to persuade Reform candidates to stand down WWW.INDEPENDENT.CO.UK Exclusive: A furious row has broken out after a Reform candidate’s last minute defection to the Tories   :ROFL  
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Fenton Cooper re (Lloyds)


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Advice wanted Please. A few months ago LLOYDS settled out of court re their horrendous charges which had been placed onto my BUSINESS Acc. I have now been contacted by two D.C.As. ROCKWELL and today FENTON COOPER. Both are claiming LLOYDS have instructed them to collect on an alleged debt after the settlement ,as it did not fully pay off the balance owing. Both D.C.As are claiming the exact amount in their letters. My question is who do I send the S.A.R. and C.C.A letters to D.C.As or Lloyds??. I think Lloyds after closing my Bus Acc. sold off or whatever they do with alleged debts to the sharks to pick up the scraps. Any advice will be taken gratefully. :confused:;) "EXEMPLO DUCEMUS"

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Just to be awkward, I wouldn't CCA either yet, i would raise a complaint with trading standards for breach of OFT guidelines, and send them BOTH the following letter:

 

DCA Address

 

Date

 

Your Address

 

YOUR REF: XXXX

 

Dear Sir / madam,

 

RE: Formal complaint

I note that you claim you are collecting the sum of £XXX on behalf of CREDITOR. Please note that:

a. CREDITOR has never instructed me that you are acting on their behalf, or sent me the "goodbye" letter required by the OFT Debt Collection Guidelines

b. OTHER DCA has claimed they are acting on behalf of CREDITOR.

I am also aware that OTHER DCA is alleged to be part of the same group as your company. I have raised this issue with trading standards. Please note, that using several debt collection agencies to collect the same debt at the same time is a breach of the OFT Debt Collection guidelines.

Furtherm misleading customers about the status (such as ownership) of a debt is also a breach of the OFT Debt Collection guidelines.

Please provide some evidence that you are acting on behalf of CREDITOR in this matter. Also, please confirm on what basis you are claiming this alleged debt. Finally, please regard my complaints as to lack of communication a formal complaint under your complaints procedure, and provide a copy of that complaints procedure.

Yours sincerly,

 

XXX. (type, don't sign)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Tomterm8, Letter sent by reg. post next day, reply received within 5 days.

We refer to your letter etc. the contents of which have been noted. We would respond to your points as follows.

Point A

The reason you have not received a goodbye letter is because the debt has not been sold. We are acting on a commission basis to recover an amount outstanding to our clients which they state is due and owing to them. As the debt has not been sold by our clients there is no requirement to send a goodbye letter.

Point B

Rockwell Debt Collection Agency were previously instructed to act on our clients behalf, however, as repayment has not been forthcoming they have now closed their files and the account has now been passed to Fenton Cooper. Therefore, there has been no breach of the OFT guidlines as only one recovery agent has been instructed at any one time.

We now look forward to receiving your firm and realistic repayment proposals within a final period of 10 days from the date of this letter if further action is to be avoided. We must advise that in the event that we do not receive your proposals, together with an initial payment on account, we shall be left with little option but to return to our clients to take further instructions from them in respect of this matter. We trust however that further action will not become necessary and look forward to receiving your co-operation.

 

Yours sincerely

 

xxxxxxx xxxx

manager

litigation @ investigation department

FENTON COOPER

 

 

Trading Standards were contacted and a formal complaint was lodged with them for further investigation. Re my posting 1 above

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I would wait and see what they produce. Have you sent them a credit agreement request yet?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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[Therefore, there has been no breach of the OFT guidlines as only one recovery agent has been instructed at any one time.[/i]

 

On the contrary; the original creditor is supposed to inform the debtor if the debt is passed to a 'new' DCA, so their statement is incorrect as to fact, and thus a breach of OFT guidelines in itself (using deceitful or misleading statements)...

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tomterm8. My position to date is as post#4 above.I have not requested a credit agreement as yet, should I or should I wait until their next move?? :confused:

 

personally, I would send them a CCA request, with the £1 postal order, special delivery - don't sign it & etc.

 

as people have mentioned, this response is against the guidelines, and you could complain now, but i would hang off a little, and see what the CCA request produces.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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(Re post #4 Advise please) Letter received today from FENTON COOPER. Dear sir RE:- Outstanding Amount to Lloyds/TSB BANK Plc of £,***,** Thank you for your response to our recent letter. We note your comments and have sought further information from our client. We will contact you again shortly.If you have any queries with your outstanding balance please contact our referral team on 01702 444457 Yours faithfully FENTON COOPER. (This letter received today 8th Dec. in response to my letter for a C.C.A.) Letter sent by recorded signed for Del. on 3rd Dec.

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