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    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
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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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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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...
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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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