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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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MONUMENT - what happened to them?


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Hi all I have posted previously and am in the process of defending a County Court Claim from HFO Services Ltd/Turnbull Rutherford regarding an old Monument credit card I had. I settled this account back in November 2006 and then left my parents home and unbeknown to me, both Barclaycard and HFO had placed defaults on my account. Barclaycard removed theirs and assured me that as the account was not showing up on their records it must have been settled. I relayed this to HFO but to no avail and they have now progressed matters to a CCC. Now Barclaycard tell me that they have no details of my account as they only bought Monument in June 2007. So who can I write to or call with regards to my account and getting some evidence. I have sent a letter to Turbull Rutherford as advised with my CPR request which they have received today (sent special delivery). Now what should i do? (Unfortunately the debt was paid by my father, who is now suffering badly with Parkinson's so it is very hard to get copy statements and the one I have was forwarded to Barclaycard!!) What should I do? Does anyone the history of Monument? Thanks.

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If you rang Barclaycard, they will tell you anything,

 

BARCLAYCARD are the people to write to, full stop.

 

The Monument Card is Issued by Compucredit UK Limited,

Their registered number is 06032187 and registered address:

The Portland Building

25 High Street

Crawley

West Sussex

RH10 1BG

 

 

25 High Street is the Barclays Building.

 

Jogs

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Ok so what do I do, Barclaycard are telling me this is not them, I even have a complaint against them regarding the way they have resolved this query. Is there anywhere I can find solid evidence? The detials are that I took out my Monument card back in 2005, and it was defaulted (incorrectly in my opinion) in Jan 2007 and then again by HFO in 2007. Who can I contact in order to find out the state of the account? Surely if Barclaycard have no record and as far as I know they are meant to keep records for 6 years, how can there be a case to answer against HFO??? HELP PLEASE. Thanks.

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Hi guys, so what are the chances that HFO have the relevant paperwork and what do they need in order to press their claim against me? I am sure I don't owe any money, but without my fathers bank statement what else can i do??? (long story re my father!!) Thanks.

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Hi guys, thanks for all your help. Sent request to Barclaycard, but has anyone got any firm history for Monument please? Just need to know what happened to them between 2005 and 2007? Just that this debt case has now progressed to a County Court claim by Turnbull Rutherford on behalf of HFO Services Ltd. I just need to find out who actually has the full account details and would have the original credit agreement etc. Trying to build my defense case so any help much apprecaited. I have sent CCA to Barclaycard and CPR to Turnbull Rutherford. Thanks.

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Cant get the link to work I thnk my browsers benn hijacked will post details of what site said. (link is going to Donald Duck?)

 

this states Monument was sold by Barclays in 2007 to another company.

 

I found this don't know if it will help you at all, and this is an excerpt from a site I found that says Barclays owned Monument in 2004:

 

'Debt that wouldn't lie down

 

Mrs F. M. writes: I am writing in sheer desperation. I have a default showing on my Experian credit file, registered by Cabot Financial. Cabot bought the alleged debt from the Monument credit card company. However, the debt I had with Monument was settled in March 2004.

 

The Experian credit reference agency is like a library. It stores information, but it does not write it or erase it. If anyone disputes the accuracy of their file, the best Experian can do is offer to add a statement recording this, and that is exactly what it offered you.

The material held by Experian is entered by firms that offer credit. Monument is one of these and in 2004 you owed £2,731. In fact, the card company accepted £1,798 from you in full settlement.

That should have ended the matter, but Monument failed to write off the balance in its books. The debt was sold to Cabot, which hoped to turn a profit by collecting the full amount from you. With charges, this came to more than £1,000.

I invited Cabot to comment, but it didn't. Barclays, which owned Monument in 2004, was more helpful. It got the new owners of the card company to dig out their old records and find the mistake. By now you will have received an apology from Monument and all references to the debt have been wiped from your records'.

 

 

Thx Lumi

Edited by Luminol
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Mystery solved over Monument card

 

 

 

 

What it said:

 

"I have a Monument credit card. I have just been told by Barclaycard, which runs the card, that it is being transferred next month to Raphaels Bank and CompuCredit. Who are they?

WS, London

CompuCredit is a US finance company which specialises in "trailer park credit" - lending to those with poor repayment records. In April it paid Barclays £490m for Monument's 200,000 mostly active cardholders. Monument, charging high interest rates to its mostly less creditworthy customers, was previously Providian.

Raphaels is a little-known private bank, founded in 1787 and based in Aylesbury, Bucks. It has a UK banking licence which CompuCredit can use. It has savings accounts and some niche plastic card activities."

 

4th April 2007

BARCLAYS PLC

 

BARCLAYS PLC PARTIAL SALE OF MONUMENT BUSINESS TO

COMPUCREDIT CORPORATION

 

 

Barclays PLC (‘Barclays’) today announces the sale of part of the Monument credit card portfolio (‘the Sale Portfolio’). Barclays credit card and consumer lending business, Barclaycard, has agreed to sell the Sale Portfolio and associated servicing capabilities to CompuCredit International Acquisition Corporation and CompuCredit UK Limited, which are both subsidiaries of CompuCredit Corporation (‘CompuCredit’) for a consideration of approximately £390 million payable in cash. The consideration is subject to final adjustment following determination of the actual amount of the gross receivables sold. The consideration is expected to be finalised during the second quarter of 2007.

 

The Sale Portfolio is being sold for a consideration which is broadly in line with net book value and includes approximately £490 million of gross receivables,

including a tranche of accounts in collections. The Sale Portfolio represents about 2% of Barclaycard’s loans and advances to customers as at 31st December 2006.

 

Barclaycard will retain a proportion of the Monument portfolio, representing approximately £130 million of receivables [20% MONEY WISE], which are primarily higher quality accounts and will integrate this with the main Barclaycard branded book.

- ENDS -

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So sorry to be a wally, but who would hold the account details on this account? It was started in 2005 and defaulted in Jan/Feb 2007? I assume from previous posts that Barclaycard should hold account details? But they claim they can't find anything? They say the account was sold onto HFO Services, so does this mean that HFO services should have all the paperwork relating to this account? I know that ALL account information must be held for 6 years, right? Thanks

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