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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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EXPERIAN... The final battle commences


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Can I just ask a question here...This thread and many others discuss the whole "Default" issue and it being a precursor to enforcement etc. But if it was defined under the CCA why are they also being used for other non regulated credit accounts, like CAR's O2 account, bank overdraft accounts even energy accounts? Are these therefore an illegal use of this term, just so commonly used we have all forgotten?

 

Just a question...was thinking about it this weekend

 

It's definately worth considering, but then until the ICO/the CRA's and the Courts take this issue seriously, and the "creditors" stop using unfair processes in dealing with claims, the issue may never come to the fore.

 

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The guidance note by the Information Commissioners Office mentions Current Account overdrafts.

 

Common available products where exceptions (to the common standard) are justified are:

i. Long terms Secured loans

ii. Current Accounts with OD facilities.

 

So in terms of Data Protection Act, it looks like the Information Commissioners Office would allow at least the Bank Account Defaults!

 

BobbyH

 

It depends.

 

In theory at least, if you use an overdraft and default on payments, recording of the negative payment history (and to a lesser extent, the actual default on your CRA file) would be accurate under the DPA.

 

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good luck finlander, an interesting read and thanks for paving the way

 

I think there are no cases for defamation seachable because experian may have settled out of court, just a musing

 

I'm interested in the new lower courts defamation cases, I thought it very unfair that it was always a tort used mainly by the well to do.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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:):):)......

 

OK anyone heard of Mr Mills? lets keep a record on here of the employees who write and their tactics and share... bit like they do really...:-D

 

Finlander - here is a photo of the elusive Andrew Mills......

 

A_Mills2.jpg

 

Here is his BIO: Andrew Mills - LinkedIn

 

Hope this helps :-)

A_Mills.jpg

SilverLining.....

There is always light at the end of the tunnel - we just have to beat the CRA's in order to see it...

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I liked this bit:

 

juggling - our credit records??

 

 

hahahahah - well spotted :-)

 

They are juggling with their own careers if you ask me - if A Mills was 'that' good why did he try and worm out of court action (UK26 v Experian)? Hmmm, speaks volumes and to be honest he seems a little undereducated if not underqualified to act in such a post.

 

Freedom of Info suggests Experian had 200 complaints last year, you're telling me that Millsy dealt with each and every one on an individual basis? Not likely - blanket letters anyone......

SilverLining.....

There is always light at the end of the tunnel - we just have to beat the CRA's in order to see it...

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  • 1 month later...
  • 3 weeks later...
Any news yet ????

 

finlander did say that he would take the Court action required off this thread and wouldn't update it in case it undermined the case as a result.

 

I can only assume a Court claim is underway - suggest you stay subbed to the thread, as I'm sure we'll find out what happened once it's all done.

 

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yes good luck indeed. Very brave of you doing this and await details of how it all went.

 

In meantime if people are bored I came acros a little report by Capital One in response to some DPA questions ... Ministry of Justice has an overall report of all sorts of things the banking lot are tying to do to empower themselves more in relation to sharing of data and cras

 

http://www.justice.gov.uk/docs/Capital-One-Bank-(Europe)-Data-Sharing-Response.pdf

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  • 4 weeks later...
  • 1 month later...
sorry you havnt heard from me for a while. Thanks for al the input here. the fight goes on and we have reached that stage when I have to stop posting details to prevent the enemy knowing the next stage and how not to fall into it.

 

good luck everybody and I wil let you know when the battle is won...

 

 

So do you have an answer for us finlander ??

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  • 1 month later...

Hi

 

I need some help please.

 

My husband defaulted on an car finance due to family problems back in 2006. We agreed reduced terms with online finance and all was well until they decided to sell the debt to Cabot. The default from online finance was registered as satisfied, and all was well for 3 months then I check both our files and Crabot sorry cabot have registered the same debt although balance is more and so is the default date they registered it in October 08 - is this legal can they do this?

Any help would be gratefully appreciated.

Mejules

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VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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