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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Default Removal Successes


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As these tend to be dotted around the forum, it is often difficult to find this information. If users would like to post details of successful default removal's then please feel free to post below - with a link to the thread concerned.

 

 

 

 

 

 

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  • 3 weeks later...

Hutchison 3G

 

Asked for removal apologised as it was a mistake offered the £226 owed, also offered £50 to there favorite charity as an apologie.

 

Default vanished a month later.

 

No payment made, reply letter, or nothing? CRA confirm its gone.

:!:
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  • 4 weeks later...

Cap_One default taken off my record after a long fight..

Co-Operative bank default removal - succesfull december 2007.

 

Capital One Bank default removal - succesfull february 2008.

 

Co-Operative bank Visa default removal- Claim filed March 2008

 

Smile default removal - ongoing

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Shop Direct Financial Services (Littlewoods Catalogue) default removed following their inability to provide any SAR data, no court/ ICO involvement required. See thread:

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/125106-littlewoods-shop-direct-financial.html

 

While I'm here; does anyone know how long the CAG small claims procedure books (by P Pearl) take to arrive when ordered through the website?

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Successfully got HBOS to remove loan default as they failed to issue a Notice of Default:

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/113297-knox-blair-oliver-scott.html

 

Successfully got Vodafone to remove a default by sending they a grovelling letter:

 

http://www.consumeractiongroup.co.uk/forum/general-debt/127885-knox-vodafone-default.html

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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Alliance & Leicester default Removal

 

Successfully had a default removed, £1000 compensation and the disputed balance refunded after I sent them a statuary demand. It took a month to get it sorted after it showed up on a mortgage application.

 

Mostly due to the knowledge gained from this website, thanks all.

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  • 3 months later...

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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  • 3 months later...

Hi, I'm new to this site (infact this is my first post) and i'm about to embark on what I imagine is going to be a long, hard battle for a removal of a default on my credit report. All the threads have been very helpful.

 

Has anybody had any success with GE Money... As I think they might be a tough cookie to crack :(

 

Any advice would be great! Thanks

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Hi, I'm new to this site (infact this is my first post) and i'm about to embark on what I imagine is going to be a long, hard battle for a removal of a default on my credit report. All the threads have been very helpful.

 

Has anybody had any success with GE Money... As I think they might be a tough cookie to crack :(

 

Any advice would be great! Thanks

 

No, but I was just pipped at the post by the "Judge lottery";

 

http://www.consumeractiongroup.co.uk/forum/other-stores/110148-car2403-ge-capial-bank.html

 

I'm still consider what recourse I have, as I haven't given up completely just yet. (My Army Generals have been recalled to regroup and reconsider their tactics)

 

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Hey, thanks guys. You've been most helpful. I'm going to get cracking on my first letter this weekend.

 

Just another quick question... If I paid my account off in full when I recieved a final demand for payment, do they have the right to put a default on my credit? Even if they did give me a default notice (which they didn't)?

 

I'll be sure to add a thread as soon as I get the ball rolling. Thank you :)

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  • 1 month later...

Hi I made claim against Littlewoods then found they had no agreement got the normal we are unable to find your agreement etc. They wrote off debt £1700 but then entered two defaults on CRA files.

 

I used FOS though Littlewoods did say that they would not remove one of the defaults when I checked CRA's files all gone.

 

my thread is

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/80339-wife-littlewoods-ppi.html

 

dpick

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  • 2 months later...

Capital One Credit card default removed.

Made as part of my complaint to FOS for repayment of charges.

Charges were refunded but Cap One said that default would stay.

Told FOS that default removal was part of my complaint ,so they got back in touch with Cap One and they eventualy removed it.

hello all:-)

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Hi Everyone

 

I felt I would like to share a letter that I wrote a few months ago with you all. I have been harassed for two years now over a debt that I paid. I wrote letters sent proof of payment each time it got moved on to the next dca. I just got fed up. So I did a little research and penned this beauty. The calls stopped, so did the mail and the default on the credit file disappeared virtually overnight. I reckon if they cant produce the CCA, then this type of letter should follow folks. Some of you may want to refer to some of the legislation I quoted - it worked a treat! Here it is......

 

The document is attached - enjoy.... I did get a reply from their CEO. I have his personal email id anyone wants it.........

BCW.doc

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  • 1 year later...
  • 7 months later...

I am dealing with a few creditors and my debt has been sold on more than a few times. I have received defalt notices in the past. How can I find out if I have had more than one defalt per creditor?

 

Kind regards

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Simply write to each creditor individually and ask them..I know this sounds obvious and simplistic BUT it is the way to do it AND it works...

 

ALTERNATIVELY you could go the route of paying experian,creditexpert and equifax the appropriate fees and find out from them...IT WILL COST YOU THE FEES THOUGH!!!!

 

rgds

 

m2ae

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ALTERNATIVELY you could go the route of paying experian,creditexpert and equifax the appropriate fees and find out from them...IT WILL COST YOU THE FEES THOUGH!!!!

 

and just watch the bottom feeding DCA's come to light after 'being alerted' to your new personal details. My advice, write to them, DON'T pay for access to your credit file unless you are making statutory requests under the CCA (with a one off cost)

 

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Hello,

 

I need help ?? The creditor sent me letter back saying it could not provided the cca agreement or default notice and as such closed the account and no longer

pursue the existing debt. I thought great but they said nothing about the default so I sent them a letter to ask about removal of the default notice from my account as they could not provided the relevant documents. They have sent me a letter saying:

 

The fact that the documentation is not available in this case is a separate issue to that of the registration of the default. Aktiv kapital has an obligation as data controllers to provide this information to the credit reference agencies. As this is a legitimately defaulted account it is reported as such.

 

And they go on to say that they our satisfied with default as it’s a true reflection of the account in question and therefore cannot agree to remove it????

 

 

So can anyone help me with this matter please??? Am not too sure what to do next really

Any help I will be most grateful.

 

Kindest Regards,

 

Stephen

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So, the question now is how important is it that the Default is removed from your Credit file?

 

Things to consider, are, if they don't have documentation to support the default entered, they can't claim that the data is accurate and the Data Protection Act gives you rights as a data subject to have that data destroyed, but on the other hand, you have a win here in that they won't chase the debt now. On the other hand, they can only **currently** not provide the documentation - what happens if they suddenly find it should you begin challenging it?

 

Definitely needs consideration on next moves, either way...

 

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  • 6 months later...
Cap_One default taken off my record after a long fight..

 

Hey allIm just about to take the fight to capital one. For charges and default removal. I would have started my own thread but i'm so inept at all this forum stuff at the moment. Im hoping that I can claim charges first and also default removal as a tasty little bonus, as I gather that if I apply to have charges refunded I also get the default removed because it no longer applies to the amount registered ( is it true that then they can't re register it as there is no governing credit agreement for the new amount). Well copies of my statements are on the way, as soon as I recieve them( and figure out how to post myself a new thread) i'll keep you updated on how it goes.PS: I'm also looking at trying to remove a T-mobile default, if anyone has any suggestions please let me know. I'm thinking miss selling or some other technicality.Best regards allChris

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