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    • If you are absolutely certain* that you were parked OK, write a letter of complaint to the Headteacher and copy in the Chair of the school governors.   If you or the car were identifiable in any way from the photo (eg visible registration number, driver's face etc) I would very politely write that you resent the untrue suggestion that you had parked/had stopped/were waiting in a way that contravened any traffic regulations, and that you are sure that the school will understand that you would like an apology and a correction to be printed in the next newsletter.  (You can also clearly state that you were identifiable from the photo because other parents have mentioned it to you).   See if that works.   You don't want to go to court for defamation as you'll need access to about £10k in fees before you get out of bed.  You just want an apology and a correction.  If what you've told us is accurate, I don't see any reasonable school failing to say sorry.     *My wife is a former school governor and my experience listening to her is that very very few parents actually understand the meaning of the no stopping/no waiting signs and road markings outside schools.  Don't complain unless you are sure you weren't stopped where you shouldn't have been.
    • And they haven't offered a speed awareness course either?  (Have you done one in the last three years or is this in Scotland?)   And is one of the notices for 34 in a 30?  As Man in the Middle says, that ought to be below the level at which they take action.   (And sorry - I don't want to appear preachy - but...  there don't have to be any warnings or signs or lines on the road to advise you of the presence of speed cameras.  If you get away with an exceptional hardship argument you will need to stick to speed limits in future - whether you know there are cameras there or not.  NB Don't know if this applies to you, but most 30 mph limits are restricted roads with a system of streetlighting and don't even need speed limit signs - you are assumed to know this from the Highway Code).
    • It's up to you if you want to pay £300 you don't owe plus whatever Unicorn Food Tax with no basis in law whatsoever that they will have made up in the Letter Before Claim.   We'd prefer you didn't.   But you have received a LBC so it's make your mind up time.   So please    - post up photos of the signage in the dark that you'll have taken two months ago (post 14)    - post up details of planning permission for their signs you'll have found out after you got onto the council, again two months ago (again post 14)    - also let us know if you agree with Brassnecked's excellent letter or if you'd like to tweak bits depending on what you've found out    - upload the LBC.  Some of them are appallingly drafted and invariably contain Unicorn Food Tax which is all useful extra ammo    - also, where are you living now (post 35) and are you comfortable with legal communications arriving at your parents'?   If you look in our PPC Successes thread at the top of the page, you will see 275 times these cheats have been seen off with their tails between their legs (and all had the same "well known legal companies" (ho! ho!) on hand).  In reality 275 times is a massive underestimate, in all 275 cases there was a "moment of victory" IYSWIM where the PPC were thrashed in court or discontinued a claim or were called off by a supermarket chain, etc., etc.  There will have been at least that number again where they were told to Foxtrot Oscar and then crawled back under their stone.  They are eminently beatable but logically when you're in legal dispute you have to put some graft in to beat the other party.
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1st Credit ? Things have gone very quiet.


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I have a feeling 1st Credit are in bigger trouble than just a slap from the OFT.

 

There's no new posts on here about them as I can find. The few posts that are around don't have any recent activity to report.

 

Plus most of their website is still missing. All that's available is contact details on a single page.

 

Could we be looking at a worst case scenario? (I really mean best case) ;)

Uncle Bob and the gang now members of the P45 Club?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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The past week or so I have heard a lot from them. They produced a CCA (albeit an invalid one) last week several months after I requested it. Attached was a cunning letter asking me to scan proof of my 'usual' signature.

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The past week or so I have heard a lot from them. They produced a CCA (albeit an invalid one) last week several months after I requested it. Attached was a cunning letter asking me to scan proof of my 'usual' signature.

 

I hope you sent one that was nothing like your usual signature? Just on the off chance you may catch them out doing a photoshop jobbie with it?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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haven't heard from from this shower since october a second default it was too.

had a stat demand hanging over me since july which i ignored ( i assume thats dead in the water now )

they also havent come up with a valid cca i requested at the time either .

 

because i am a bit on the cautious side i will assume this could be the calm before an approaching storm .:)

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Not sure how much tumbleweed is blowing through their litigation department at the moment, but somebody is writing letters - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/155555-cca-responses-advice-appreciated.html

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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haven't heard from from this shower since october a second default it was too.

had a stat demand hanging over me since july which i ignored ( i assume thats dead in the water now )

they also havent come up with a valid cca i requested at the time either .

 

because i am a bit on the cautious side i will assume this could be the calm before an approaching storm .:)

 

 

Report the fact that they issued a sta Demand in July without taking it further to the OFT, that is what they are looking at as part of their investigations. Put another nail in their coffin.....:D

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Going on Royal Mail's performance at the mo, it could have been floating around in a sorting office for a week.

 

Or maybe it was one of the threat monkey's birthday, so his mates for a laugh stuck a photo of a sunny day onto the window, and altered the clock, so he didn't know it was time to go home, and sent a few letters out. :D

 

Usually there's a lot of 1st credit new postings on here, and now hardly anything at all. Maybe they're on hold until the OFT approves their new threat-o-gram templates and threat monkey phone scripts.

 

"Can we have some money please"

 

"NO"

 

"Ok, sorry to have bothered you sir." :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Is there a particular contact or email address at the OFT to send complaints to in respect of 1st Credit? I had a SD off them via connaughts last year, they folded like a cheap suit as soon as I challenged them to provide paperwork, would like to make this known to someone involved with the OFT ruling against 1st crud.

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Report the fact that they issued a sta Demand in July without taking it further to the OFT, that is what they are looking at as part of their investigations. Put another nail in their coffin.....:D

 

 

ive just photocopied the sorry paper chain of threats and demands they have sent to me and will be sending them off with a nice letter to the oft tommorow .

 

wish i'd done it a lot earlier !

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The Enquirys Team

The Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX.

 

Also call consumer direct they are very good.

 

How can we contact surfaceagentx20 he or she seems very good.

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It will be nice for them to get a nice flurry of SD related complaints against 1st Credit, after the OFT slapped them for that very thing.

 

How about a few emails to watchdog, mentioning 1st Credit and the OFT and they have done the same thing to you also? A few CAG members have already been chatting to them about Lowells and 1st Credit, so a few more emails about their business practices won't go amiss.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Here's the link to contact them with your story.

 

BBC - Watchdog - Got a story

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Very strange!!

 

Their website doesn't even have their usual 0870 number. I thought I would give the new number a try (after witholding my no.) and was met by a very sad answerphone message - not even any jazzy music on it.

 

Strange as all my paperwork shows they are supposed to be open Mon-Fri 8am - 8.30 pm!!!!!

 

This may explain why Mrs Pookey recieved a strange letter last week (possibly a disgruntled soon to be former employee) containing a copy of some Goldfish statements - the last one from 2007 showing a credit to the account bringing the ballance to zero.

 

Pookey

I'm in the DCA kicking business ..........and business is good!!!!

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The Enquirys Team

The Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX.

 

Also call consumer direct they are very good.

 

How can we contact surfaceagentx20 he or she seems very good.

 

Thanks for that.

 

Email sent to enquiries@oft.gsi.gov.uk. dropping Connaught Collections in it too just for good measure. :D

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I know its old news, but I bet the wish they had taken the money and ran!

 

CCR Magazine - 1st Credit sale on hold - reports

 

Looks like Bridgepoint might have pulled the plug, now they know what a dead duck uncle bob's lot turned out to be. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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There is not that many recent cabot posts either, but then i read somewhere that fuzzybobble plc might make an offer for their portfolio :lol:

Cabot have been my friends for 2 years(EDIT) Sent packing statute barred.

past due credit have been friends for 1 week(EDIT) Sent back to arrow, now statute barred.

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When anyone makes a complaint to the Office of Fair Trading about 1st Credit and Chums, you will get a consent form sent back to you, asking if the Office of Fair trading can use your details etc. Please sign it and post it back.

 

The more people that do this, the better. Dont Forget to complain to as many Regulation Bodies as possible :) Things are warming up all over the place, so it shouldnt be long before :)

 

Spark

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There is not that many recent cabot posts either, but then i read somewhere that fuzzybobble plc might make an offer for their portfolio :lol:

 

I have a feeling that thanks to the OFT they've discovered that their billion pound "portfolio" aka folder full of unenforceable junk is now as good as worthless. And they daren't risk collecting any of it, because if they try, the OFT will shut them down.

 

I can say one thing to Uncle Bob and the gang.........

 

 

 

 

 

 

 

 

 

 

 

simpsons_nelson_haha2.jpg

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Link gone quiet too, Not had an early morning wake up call for a week now, not that they wake me up cos they ringing my mobi in scorchioland and I got all dca numbers in a group with silent ring:) I suppose I could've done a harrasment letter but would rather they waste their money leaving messages on expensive overseas calls that I never listen to, and also while they're wasting their time with me they're leaving some poor other sod alone.

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I hope you sent one that was nothing like your usual signature? Just on the off chance you may catch them out doing a photoshop jobbie with it?

 

Everytime I have written to them I've printed my name :)

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in nov. 06 I had a SD from connoughts-firstcredit, and after phoning them was told if I payed them £100 they would set it aside and then pay£20 per month afterwards (which I still do for a quiet life) I think the debt was SB at the time anyway ;which is the easiest way to get them to prove to me when the last payment to the OC was made and shall I report them to OFT for sending me an SD as a scaretactic??

:)
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