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    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.

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EXPERIAN... The final battle commences


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All this needs is one person to take them to court, and defend themselves with regard libel, they will have to prove the info is truthful, which if they are unable to persuade a judge they are telling the truth then the whole thing will collapse,

Long time ago in a galaxy FAR FAR AWAY, there lived an elf who shot banks for a living.........

Now through the power of the internet there is the CONSUMER ACTION GROUP,

 

Watch out they are getting crafty those pesky CRITTERS!

 

Banks will tell you their charges are transparent!

So is the invisible man but that does not mean he is fair or lawful.

 

DONT GIVE UP! FOLLOW THE CAG ADVICE AND RECLAIM YOUR CHARGES.

CAPITAL BANK! YOU ARE NEXT.

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Taken from the cteams reply from Mr H

 

I do not see the relevance of Wilson v. First Counties Trust in this instance and would suggest that you obtain professional advice regarding the full background and circumstances of this case and subsequent referral before using this as a basis for your claim.

 

The relevance of this is that if the creditor cant supply an properly executed agreement the there is no debt/money owing its a "gift" as stated in that judgement and you cant default a gift, therefore Experian in their turn are at least breaching the Third and Fourth Principle of the DPA by processng defaults late payments on monies that are considered to been given to the data subject /"alleged" debtor. Then follow up to MR H with,

 

Lord Birkenhead LC). Khopararor v The Woolwich The credit rating of individuals is as important for their personal transactions, including mortgages and hire-purchase as well as banking facilities, as it is for those who are engaged in trade, and it is notorious that central registers are now kept. I would have no hesitation in holding that what is in effect a presumption of some damage arises in every case,and I would uphold the master's award of general damages of £5,500.

 

sparkie

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Cheers Sparkie1723

 

this guy is really pushing it. im trying to get this sorted out but they keep closing doors on me.

 

they really are abusing there powers now, its time we the public that keep them in there jobs by having bank accounts knock them back down to size. or into the poverty trap that the best part of the country are in.

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Does anyone know how long the CRA's clients DCA friends keeps searches on their file for - I have been informed it is a person report for 6 years and it is there for everyone to see. :(

 

double posted sorry mate

sparkie

Edited by Sparkie1723
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Does anyone know how long the CRA's clients DCA friends keeps searches on their file for - I have been informed it is a person report for 6 years and it is there for everyone to see. :(

 

CRA's keep records of "searches" for 12 months on your actual credit file ..then they remove them, they do not "delete" them ....they archive them.

 

sparkie

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Just to let everyone know..Millsy has replied..his letter is long, complicated and as far as I can see completelt deviod of any arguement that will stand up in a court. I will draft a reply and send it on to him in the next few days. watch this space;)

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Just to let everyone know..Millsy has replied..his letter is long, complicated and as far as I can see completelt deviod of any arguement that will stand up in a court. I will draft a reply and send it on to him in the next few days. watch this space;)

 

Oh, don't be a tease - post it up, can you?

 

;)

 

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Oh, don't be a tease - post it up, can you?

 

;)

 

Seconded.......:)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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CRA's keep records of "searches" for 12 months on your actual credit file ..then they remove them, they do not "delete" them ....they archive them.

 

sparkie

 

Hi Sparkie - this is not what they have written their letter say "an Outstanding Debt" search indicates that an organization has undertaken a search in an attempt to reconnect with a customer who has gone away leaving an unpaid debt.

 

 

This "Outstanding Debt" search will be visiable to any lenders who subsequently view your credit Report and will generally be considered negatively.

 

"Outstanding Debt" searches will remain on your credit report for 6 years from their recoded date.

 

Now there is no outstanding debt and again Equifax has given it an incident Number. :x

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Its obviously juicy, go on!

 

My god, what did I do with my time before CAG :p

 

I think you and I (and several others) need to get a life...:)

 

I seem to spend an inordinate amount of time on here

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Hi Sparkie - this is not what they have written their letter say "an Outstanding Debt" search indicates that an organization has undertaken a search in an attempt to reconnect with a customer who has gone away leaving an unpaid debt.

 

 

This "Outstanding Debt" search will be visiable to any lenders who subsequently view your credit Report and will generally be considered negatively.

 

"Outstanding Debt" searches will remain on your credit report for 6 years from their recoded date.

 

Now there is no outstanding debt and again Equifax has given it an incident Number. :x

 

HI Matey

I see what you are saying but it not shown on your report after 12 months ...the "outstanding debt" search is done in the CRA Archive files and that is where these records are kept. its a special search that banks etc carry out ...these are ones that you never know about...as they are not recorded.....trust me:D "he said":D

 

 

sparkie

 

sparkie

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Certainly not BB. You should be doing what all proper students do with their spare time - boozing & sleeping!! ;)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Ok a brief summary.........

 

Millsy was being vey obtuse........ basically a bit insulting and said 'go on sue us then'

 

oh by the way sparkie millsy says you can't sue for defamation in the county court!... well must be true millsy said it:rolleyes:

 

I will give a much more detailed breakdown later......... but I think I will be taking him up on the sueing bit.

 

will post more soon. :D

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Ok a brief summary.........

 

Millsy was being vey obtuse........ basically a bit insulting and said 'go on sue us then'

 

oh by the way sparkie millsy says you can't sue for defamation in the county court!... well must be true millsy said it:rolleyes:

 

I will give a much more detailed breakdown later......... but I think I will be taking him up on the sueing bit.

 

will post more soon. :D

 

 

Ahhhh good ol' Millsy :D:D

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Ok a brief summary.........

 

Millsy was being vey obtuse........ basically a bit insulting and said 'go on sue us then'

 

oh by the way sparkie millsy says you can't sue for defamation in the county court!... well must be true millsy said it:rolleyes:

 

I will give a much more detailed breakdown later......... but I think I will be taking him up on the sueing bit.

 

will post more soon. :D

 

 

Well, well, well Millsy must have had the Law changed just especially for Experians sake, wonder if he has told the Lord Chancellor about it????:grin:

 

sparkie

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Slightly different slant on this guys.

 

I have 2 defaults on Equifax (MBNA & Hillesden) both the same debt and I've disputed both though havent CCA'd MBNA. The debt was £3500 which, with charges totals over £8000 of defaults as both are listed as separate entities.

 

I have 1 default with Experian which is the same Hillesden default as held with Equifax.

 

Given that Hillesden's is not lawful (?) as its the same debt surely both companies would have picked up on this and not added the default in the first place. This proves that they don't check the validity of the claimed information from the DCA surely?

 

These 2 defaults are what has stopped me from obtaining any credit let alone a mortgage on what is or has been a faultless credit report for the past 3 years. Without going into the whole background of the MBNA issue, where do I stand with these CRA's? Admitedly it was my credit card with MBNA but my ex wife fraudulently ran up charges on it (my tough luck I guess). Do I go for the libel slant straight away (Ive just emailed them to have the Hillesden one removed first).

Having just found this thread, I have to say Im a little confused with all the previous posts and how to proceed. Anyone actually had Defaults removed??? I never had any sort of agreement with Hillesden in the first place and received NO notification of a default from either party until I found them on my CRA reports.

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if they have brought the original debt, sent you a notice of assignment, then a deed of assignment and have the original consumer credit agreement you counter signed.

they can mark your credit file.

if thats the case the MBNA default must be removed. the original defualt date stands no matter who owns it.

 

if how ever it hasn't been sold to Hillesden then only mbna can mark your file. they are only agents for MBNA and have no rights at all to mark your file.

 

if you read some of the info in this thread you will be able to explain to Experian and Eqifax that 2 defaults for the same debt isn't right at all. better off speaking with Hillesden and telling them they best remove the default marker from all credit files they have placed it on. as they have no rights under the cca 1974

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