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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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2 defaults Egg and Vodaphone - Default hell!!


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Bongobaz, any news to report?

 

Have you had replies from the CRA's? And if so what?

 

The deadline I gave to the CRA's expires tomorrow and I have yet to hear anything.

 

Pete

 

still heard nothing from any of them!!

 

1st deadline was 18/8 then sent a reminder and that deadline is tomorrow!!!

so dont know what the next step will be????:-|

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Hi ANNALH

 

See my post http://www.consumeractiongroup.co.uk/forum/legalities/26275-credit-ref-agency-reply.html

 

Is this the same as your reply?

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Further to posts 224 & 225.

 

If you have given them a deadline stick to it, to continulaly extend it - even once is a sign of weakness and one that may be exploited. If you've served the notices properly, as I did with my section 12 requests, and they don't reply within the timeframe, then report them to the Information Commissioner. They are not going to give anything unless you get tough in the way you handle them.

 

My deadline's up for the three CRAs on the 29th, if there is no positive news by then the letters go of to the IC.

 

Remember they cannot be found in contempt of any aspect of the act or they lose their licence, no licence, no business.

 

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Further to posts 224 & 225.

 

If you have given them a deadline stick to it, to continulaly extend it - even once is a sign of weakness and one that may be exploited. If you've served the notices properly, as I did with my section 12 requests, and they don't reply within the timeframe, then report them to the Information Commissioner. They are not going to give anything unless you get tough in the way you handle them.

 

My deadline's up for the three CRAs on the 29th, if there is no positive news by then the letters go of to the Information Commissioner.

 

Remember they cannot be found in contempt of any aspect of the act or they lose their licence, no licence, no business.

 

 

Mike

 

thanks mike!

 

how do i go about with the information commissioners??

do i send them a letter and copies of all three letters to cra??

any one have a draft letter how to word my complaint or go further with this??

 

want to get one drafted up and out in tomorrows post!!

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a quick question - i sent default noticve request to hsbc giving them 14 days to reply. 14 days are up and no reply at all. i am still paying the debt through a DCA. how do i go about stopping payments as i am under the impression that after 14 days if they do not provide it i do not have to make payments then if not supplied after another 2 weeks then it's written off?!

 

any help gratelfully received!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Further to post 231.

 

un1boy, reaaly should have sent the notice to the DCA since they are dealing with your case. HSBC and the DCA can get out of that one because the paperwork may not be correct. I'm afraid that you may have to start again with the DCA, asking for the original agreement. But once again stick to your deadline and report them to the OFT, (complaint form is on the 'net) when they don't come up with the goods.

 

In the OFTs guidlines for DCA, paperwork is one of the areas that are pivotal in maintaining credit licences. No livence, no DCA

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Further to 231

 

Bongobaz, I would get onto the Information Commissioners website and follow the links for making a complaint. Remember like all regulatory bodies, they try to make things easy for the little man so you don't have to come up with any high brow argument. Just tell it as it is. Obviously if you do have any paperwork and other copies, it will make thir job all the more easier. Don't woory.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Uniboy, just one other point. The debt may not be written off after the time intervals you talked about, it just becomes unenforceable under present law, unless you have written confirmation that the debt is indeed written off.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Further to 231

 

Bongobaz, I would get onto the Information Commissioners website and follow the links for making a complaint. Remember like all regulatory bodies, they try to make things easy for the little man so you don't have to come up with any high brow argument. Just tell it as it is. Obviously if you do have any paperwork and other copies, it will make thir job all the more easier. Don't woory.

 

Mike

 

thanks mike!

have been on there web site and submited the complaints - with copy letters for all 3 cra!!

 

see what happens next?

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thanks mike!

have been on there web site and submited the complaints - with copy letters for all 3 cra!!

 

see what happens next?

 

Bongobaz, can I suggest that you stick to one thread and then people will be able to follow your progress and offer advice that way.

 

For anyone else that is reading this, I would also suggest that you do the same - similar to the BAG threads. That way we can keep track of who's doing what and offer help where needed.

 

Good luck.

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Ignore waht I wrote before I edited this item, sorry!!

 

Thanks for your advice guys.

 

So, I should send my section 10 thing to the DCA then and start all over in terms of deadlines?

 

Is that right?

 

Thansk

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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God Sorry- I didn't mean ignore tnikerbell!!!

 

I wrote somethign in my last post then edited ot and erased it all - i meant, ignore what I wrote before. God, Im sorry tinkers - please forgive me?!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Dave, The Administrator posted and below is part of his thread. Did anyone reply to it? I just wondered if as he says, "would you be penalised by the searching company, with them then assuming you have something to hide"? Anyone have a thought on it?

 

 

 

"I am interested to know though, if you were to effectively take yourself out of the automated searches, theoretically you could be penalised by the searching company, as they would assume that you have something to hide - or am I barking up the wrong tree?"

__________________

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Further to post 241.Theoretically, that may be the case, but there is nowhere under the DPA allowing anyone to infur or make assumptions. The data has to be stored as cold facts only.Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Data protection act:

Crime and taxation. 29. - (1) Personal data processed for any of the following purposes-

  • (a) the prevention or detection of crime,

  • (b) the apprehension or prosecution of offenders, or

  • © the assessment or collection of any tax or duty or of any imposition of a similar nature,

are exempt from the first data protection principle (except to the extent to which it requires compliance with the conditions in Schedules 2 and 3) and section 7 in any case to the extent to which the application of those provisions to the data would be likely to prejudice any of the matters mentioned in this subsection.

(2) Personal data which-

  • (a) are processed for the purpose of discharging statutory functions, and

  • (b) consist of information obtained for such a purpose from a person who had it in his possession for any of the purposes mentioned in subsection (1),

are exempt from the subject information provisions to the same extent as personal data processed for any of the purposes mentioned in that subsection.

(3) Personal data are exempt from the non-disclosure provisions in any case in which-

  • (a) the disclosure is for any of the purposes mentioned in subsection (1), and

  • (b) the application of those provisions in relation to the disclosure would be likely to prejudice any of the matters mentioned in that subsection.

(4) Personal data in respect of which the data controller is a relevant authority and which-

  • (a) consist of a classification applied to the data subject as part of a system of risk assessment which is operated by that authority for either of the following purposes-

    • (i) the assessment or collection of any tax or duty or any imposition of a similar nature, or

    • (ii) the prevention or detection of crime, or apprehension or prosecution of offenders, where the offence concerned involves any unlawful claim for any payment out of, or any unlawful application of, public funds, and

  • (b) are processed for either of those purposes,

are exempt from section 7 to the extent to which the exemption is required in the interests of the operation of the system.

(5) In subsection (4)-

  • "public funds" includes funds provided by any Community institution;

  • "relevant authority" means-

    • (a) a government department,

    • (b) a local authority, or

    • © any other authority administering housing benefit or council tax benefit.

    • What i believe this means is, that if your data is being used for prevention of crime, its not subject to all conditions, but is subject to schedule 2+3

    • SCHEDULE 2
      CONDITIONS RELEVANT FOR PURPOSES OF THE FIRST PRINCIPLE: PROCESSING OF ANY PERSONAL DATA 1. The data subject has given his consent to the processing.
      2. The processing is necessary-
      • (a) for the performance of a contract to which the data subject is a party, or

      • (b) for the taking of steps at the request of the data subject with a view to entering into a contract.

      3. The processing is necessary for compliance with any legal obligation to which the data controller is subject, other than an obligation imposed by contract.

      4. The processing is necessary in order to protect the vital interests of the data subject.

      5. The processing is necessary-

      • (a) for the administration of justice,

      • (b) for the exercise of any functions conferred on any person by or under any enactment,

      • © for the exercise of any functions of the Crown, a Minister of the Crown or a government department, or

      • (d) for the exercise of any other functions of a public nature exercised in the public interest by any person.

      6. - (1) The processing is necessary for the purposes of legitimate interests pursued by the data controller or by the third party or parties to whom the data are disclosed, except where the processing is unwarranted in any particular case by reason of prejudice to the rights and freedoms or legitimate interests of the data subject.

      (2) The Secretary of State may by order specify particular circumstances in which this condition is, or is not, to be taken to be satisfied.

      [*]The point i would make, is that CIFAS

      are not the 'administration of justice'

      but a group of financial organisation,

      coming together to prevent fraud.

      They are not a government organisation

Therfore what right do they have to hold our subject data, without our consent.

Any opinions???

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Northern Ireland Court Service

 

The Northern Ireland Court Service is responsible for the administration of justice in Northern Ireland. Its role is similar to that of the Court Service in England and Wales, but it is also responsible for providing legal assistance

 

Department for Constitutional Affairs -

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Re: Post 243.

 

The electoral roll is a public information document and is not related to your credit file. It IS related to your credit score as lenders like to ensure you are living where you say you are. But the CRA files and electoral roll are checked seperately.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

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hello

ive been reading surlybonnds posts about getting took off the automated process at the credit agencies ,sent letters off start of last week and have had reply from EQUIFAX and Experian both fobing me off whats you advice about the next step to take ,any help will be great in sorting my next letter out as well

many thanks

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hello

ive been reading surlybonnds posts about getting took off the automated process at the credit agencies ,sent letters off start of last week and have had reply from EQUIFAX and Experian both fobing me off whats you advice about the next step to take ,any help will be great in sorting my next letter out as well

many thanks

 

Graham

 

See my thread here:

 

http://www.consumeractiongroup.co.uk/forum/legalities/26275-credit-ref-agency-reply.html

 

It may be of help to you.

 

I think Surly is on his hols because he hasn't replied to any of my posts asking for him.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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I look forward to receiving your confirmation that the above change has been made to my file at the end of that seven day period.

 

To that end, I look forward to receiving your confirmation by close of business of ...[date it nine days hence to give them time].

 

Yours, etc"

 

:)

 

Going back over this thread I looked again at this brilliant piece and I'm intending to send it to the agencies after reading through the rest of the thread (got a day off and I'll probably need it) but I wonder if it might be better to add 'written' confirmation and instruct them not to telephone about the matter.

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