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    • T911, Nick, thanks, I got there in the end! Without boring you with the details, it is precisely the most ridiculous cases that end up being lost - because the Cagger knows the other party's case is rubbish so doesn't do the necessary work on their own case. G24 are well aware of double dipping.  They have either done it deliberately or else have cameras which can't handle multiple visits to the car park which G24 happily leave malfunctioning so the £££££ keep rolling in. Sadly most people aren't like you.  I've just read various reviews for the Retail Park on TripAdvisor and Parkopedia.  Virtually all of them are complaining about these unfair charges for daring to spend time & money shopping in a shopping centre.  Yet no-one is refusing to pay.  They moan but think they have been fined and cough up. G24 are unlikely to do court, but it's not impossible with two tickets. Try to get evidence that you were elsewhere at these times. Often retail parks will intervene, but I've Googled & Googled and cannot find an e-mail address for the place.  Could the manager of one of your favourite shops give you a contact e-mail address for the company that run the retail park? Right at the moment I'm supposed to be teaching someone who runs two shops at the local shopping centre, but I'm not as he has had to go to a meeting with the company that runs the shopping centre, so I know for a fact that these business relationships exist!!!
    • Afternoon DX, The files were in date order. How would I put them into an acceptable format? I'm not that pc literate.  
    • I think you need to tell us what actually happened. Your original post gives the impression that you were taken to court for a speeding offence. But you go on to say that you received no paperwork. So you could not have been summonsed for a speeding offence because the police had no evidence that you (or anybody else) was driving (and it seems you were not anyway). You were probably summonsed (or more likely received a Single Justice Procedure Notice) for "failing to provide the driver's details." You would not normally be banned for this offence if you were convicted - it carries six points. So did you have any earlier points which meant you were liable to a "totting up" ban?  If you were originally convicted (as it seems you might have been) how was that conviction set aside? Did you perform a Statutory Declaration? There is simply too much missing for any meaningful help to be given. It seems as if there may have been an error by the DVLA but before you consider suing those idiots until the cows come home, you need to explain exactly what has happened.  
    • Point 4 and 10 duplicate Point 5 and 8 duplicate  Try to keep to one para with regards the agreement...various paras duplicating the same. Statement of truth is out of date refer to the claimants statement    
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Barclaycard info on credit report (could be wrong area, admin feel free to move)


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About 3 years ago I entered a payment plan with Barclaycard. They froze my interest and accepted £1.76 per month repayment.

 

I am sorting myself out credit wise and recently had some money come in. I decided to settle off my Barclaycard. I called and they took £450 and they told me to pay £23.84 the following month (March) which I did.

 

I received a new statement and a seperate letter.

 

The statement said I owed them 17p, which I have just called and had written off and account closed.

 

The letter, though, states the following:

 

"Your account is now on a repayment plan as agreed. Your statements will now ask for the fixed monthly payment shown above.

 

We will reduce your monthly interest charges to 1% for the next six months. We'll review both your repayment amount and your monthly interest charges after this time."

 

It is then signed by the collections manager.

 

My point is this. This letter is dated 29 March 09. On my credit report it says my account has been in a payment plan for about 3 years. But this letter says that my account is NOW on a repayment plan.

 

Couldnt I challenge the information on my credit report using this letter as evidence?

 

I spoke to an advisor who didnt really understand me. She said my credit score wouldnt be affected as I had repaid my card and account closed. Thats all she kept saying. She couldnt grasp I wanted info on my credit file changed.

 

Any thoughts??

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Full & Final Settlement. My amount due was £473.84.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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I spoke to an advisor who didnt really understand me. She said my credit score wouldnt be affected as I had repaid my card and account closed. Thats all she kept saying. She couldnt grasp I wanted info on my credit file changed.

 

 

If the info on your credit file is correct then it won't be changed. The letter is irrelevant.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Get right on there case on this Davey, if the agreement was made verbally on the phone, then they have it recorded,badger them by phone and letter and contact OFT.

 

What do you mean the if agreement was made by phone? It was made via an agency called Debtcare. I then wrote to Debtcare after seeking advice from the CAB who informed me I didnt need to pay Debtcare to sort out payments for me, I could do it myself.

 

If the info on your credit file is correct then it won't be changed. The letter is irrelevant.

 

The letter cant be irrelevant. It is signed by a manager and says that my card is NOW on a payment plan. Not HAS BEEN on a payment plan. So surely this is ammo for them to change the info on my credit file?

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Hi

 

On your credit file with Experian is it marked as:

 

'Special Instruction Indicator' : 'Arrangement' ????

 

If so then yes this will be having an effect on your credit score as it's telling lenders that you have failed to keep to the products term's of repayment and as such they have had to agree a plan for the repayment of the debt.

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Hi

 

On your credit file with Experian is it marked as:

 

'Special Instruction Indicator' : 'Arrangement' ????

 

If so then yes this will be having an effect on your credit score as it's telling lenders that you have failed to keep to the products term's of repayment and as such they have had to agree a plan for the repayment of the debt.

 

It just had the initials AP - meaning something like Agreed Payment (I think - my free trial has expired so to get the report I have to pay £12 or something and Im skint after Wembley!)

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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The letter cant be irrelevant. It is signed by a manager and says that my card is NOW on a payment plan. Not HAS BEEN on a payment plan. So surely this is ammo for them to change the info on my credit file?

 

 

For the purposes of the CRA it doesn't mean a thing as long as what is reported reflects your payments.

Consumer Health Forums - where you can discuss any health or relationship matters.

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