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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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link want my sig 6 times before they will supply a CCA !! **WON***


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I sent off a CCA request to link and in the letter I said I did not acknowledge the debt. They have now written and said that because I do not acknowledge the debt they are not allowed to send out a copy of the agreement under the data protection act 1998 and if they sent it they would be in breach of the act. They say they want 6 speciment signatures so they can confirm I am the right person. What do I do now.

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That is the funniest excuse I have ever heard from any DCA

 

Let them default on your LEGAL request and then commit a Criminal Offence. Should they make any further demands for money report them to the OFT and Trading Standards. You are legally entitled to your CCA despite what these CRETINS say

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LMAO@ the specimen thing- that's hilarious.

 

As for the demand for it- even more hilarious. If they send anything to the person they are dealing with they send it to their name and address. So I have no idea what that specimen thing is about. Unless they want to forge a signature on a CCA??lol.

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In summary, Link were sufficiently sure of your identity to send demands for payment to you, knowing that do so if they were not certain would be a breach of the OFT Guidance, but they are not sufficiently confident of your identity to comply with their legal obligations under the CCA 1974.

 

Oh what a tangled web they weave...

 

Just sit back and wait for them to default. They're hardly likely to take you to court, are they, since they clearly aren't sure you are the debtor. If they threaten any such action, of course, that will be another breach of the OFT Guidance, and grounds for complaint.

 

I like Giant's idea - you could do each signature in a different coloured crayon, and provide instructions for them to make an attractive mobile for their call centre.

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But all jokes aside.... DO NOT send them a copy of your signature.

 

Theres a very high chance they will fraduently copy it onto an agreement.

 

 

 

DO NOT send a copy of your signature.

 

 

And as ODC says, its there problem now. You made a legal request and they choose to ignor it. There problem, not yours.

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Feck it. Why wait. Complain to TS and the OFT now. You have written proof of Links reason for breaking the law. Report their sorry asses now. Data Protection my a**e. S77, 78, 175 and 189 of the CCA 1974 spring immediatly to mind. In fact while you are at it ask Link for a copy of their complaints procedure and if they fail to supply it then report them to the FOS

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They suggested I send a copy of a drivers licence, passport or official bill so they can confirm the claim is correct before they proceed further. They also say that the information will be treated in the strictest confidence and my privacy will be respected.

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Strictest confidence?

 

They sent a demand letter to someone detailing the OC and the amount owed, yet they arent sure that the person they sent it to is the person that owes the money?

 

I would be on the phone so fast to simply laugh at them (dont do this though, everyone will advise you never to ring them, I have done it in the past for fun only).

 

As others have said you have sent in your request. They have replied that they have no intention of dealing with your request at this time. Escelate it to the next level now.

Lowell Financial - No CCA available

NDR - CCA request sent 08/04

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My advice, send them a letter stating that you do not believe this matter to have anything to do with you and that they must prove that it does. State at a time when identity theft is at a high you would not send personal information to anybody unless you are certain the matter relates to you.

 

Then add that they can resolve this if they are certain it is you by sending the information required, however you would point out that should they information not relate to you you would feel compelled to report them for breaching principle (?) of the Data Protection Act by releasing data without first being certain that the person requesting the data is the subject.

 

In effect you have them caught in a catch 22 here. They can't send proof unless they are certain it relates to you, but how can they be certain when you yourself have denied it? You don't even need to send a CCA request since you're denying you're the person they're looking for and any attempt to pursue from here on would be met with a firm 'this has nothing to do with me'.

 

Same thing happened with me when Thames contacted me a while back.

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Think you meant 'they' commit a criminal offence...sure you didn't mean what you typed! :)

 

LMAO. missed that completely!! I'm sure ODC was not insinuating that Angel104 celebrate them defaulting on his/her legal request by going out joyriding for kicks afterwards. Or anything else like that. ;)

No I meant what I said let THEM default and THEN commit a criminal offence.

 

 

They have to default before THEY can commit a criminal offence 1 calendar month later.

 

Bloody pedants:p

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Can someone please advise me what to do now only this morning I recieved a nasty letter from link saying I have ignored their request for 6 specimen signatures and they are demanding I provide them withing the next 7 days. They are still claiming that sending out the credit agreement without seeing them would be in breach of the data protection act.

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Can someone please advise me what to do now. I have received a letter from link giving me 7 days to comply with teir request for the signatures. They also said they will only supply the credit agreement if I acknowledge the debt. They said if they send the credit agreement without my acknowledgement they would be in breach of the data protection act.

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If Link are not sure you are the correct person then it is THEY who are breaching Data Protection by sending you demands for money if they are unsure you are the correct person.

 

Send them this letter of Pauls

 

Dear Sirs,

 

RE Account NO XXXXXXXX

 

Thank you for your letter dated xx/xx/2008 the contents of which are noted

In your letter you make reference to requiring my signed authorisation /specimen signature** before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature before you comply with my S77/78** request.

 

If it is for Data Protection purposes then i can happily supply you with documentation to substantiate my identity to you.

 

However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this?

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:

 

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

 

My request for a true copy of my credit agreement under section 77/78** was made on xx/xx/2008 and the 12 working days for your compliance expire on xx/xx/2008. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

 

I look forward to receiving the documentation requested

 

Regards

 

Print dont Sign

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The letter is quite correct.

 

You ARE ignoring there request and your well whitin your to do so.

 

The whole we need your signature thing is twaddle.

 

If you havent already made a complaint to the powerrs that be I suggest you do it now.

 

Dont send them your signature, they dont need it.

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