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    • I would only rely on your solicitor in this regard. The other two should not have a view.   And, you are responsible for how the court perceive you. They only have your words and deeds to go on. Expecting them to magically see things your way is not a great tactic.
    • Yes, I don't think there is any downside to doing this. If they decline then you can say that in your witness statement
    • Ok! Do you still want me to work on that letter you discussed above in post #26?
    • Thank you for posting up the required details and well done for apparently not revealing the identity of the driver. I am assuming you are the keeper? The depth of ignorance of the parking companies is absolutely amazing. The Protection of Freedoms Act 2012 Schedule 4 is the law relating to private parking and allows those rogues to be able to transfer the charge from the driver [whose name they do not know] to the keeper after 28 days . This is dependent on them complying with the Act. So many of the don't and Alliance is no different. It would help if we could see what you appeal was and to post the back of the PCN as it is lacking so much of the wording necessary to make it compliant so that in your case only the driver is liable to pay the charge. And of course just entering the ANPR arrival times means that they have failed to specify the parking time which is a requirement..  Because the car park was so busy you had to drive around for quite a while before finally finding a place to park which is when the parking period may  actually begin. The poor dears at Alliance have not grasped that particular part of the legislation as yet. To be fair the Act has only been in place for 12 years so one must make allowances for their stupidity . We shouldn't really mock them- but it is fun. You weren't to know but the chances of winning an appeal against Alliance and the IPC is around 5%-and that is high for them. If they allow you to cancel they lose the chance of making money and they would have had a field day when you were there with so many people being caught overstaying because of the chaos in trying to find a parking space then trying to pay.  Your snotty letter could go something like this- Dear Cretins, Yes I mean you Alliance. After 12 years one would have thought that even you could produce a compliant PCN. Did you really think I would pay you a penny extra considering the time I wasted trying  to pay with  long queues at the parking machine, then trying to get a signal to call Just Park. On top of that you then had the cheek to ask for an additional £70 for what dubious unspecified pleasure? You must have made a killing that day charging all those motorists for overstaying because the queues to pay were do long and even walking to pay from the over flow parking fields takes time. And yes I did take photos of the non existent signs in the fields so please don't give me the usual rubbish about your signs being clearly visible. Oh yes that £70. Please tell me and the Court whether that charge included VAT and if it did, why am I being charged to pay your vat? I am sure the Judge would look carefully at that as well as the Inland Revenue. The truth is you had no reasonable cause to ask the DVLA for my data given the chaos at your car park and I believe that you therefore breached my GDPR...................... I expect others will give their views as well.          
    • opps this is going to get messy then if they don't refund. you should never keep util accounts in credit.
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Capital One/lowell Portfolio/mckenzie Hall/wescott


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Hi,

 

This kinda has Bank Charges, Data Protection, Credit Ref Agencies all involved so thought best place for my thread was here. Please bear with me and HELP!!!!!!!:)

 

I looked on Equifax and saw that Lowell Portfolio have listed a default against me at a previous address for a Capital One credit card which I took out in August 2004. It says on Equifax that I owe £544. The credit card had only a £200 limit and I wish I had never taken it out as I missed a payment and they then started hitting me with late payment charges and I could then not afford to pay so buried my head in the sand.

 

I have moved twice since I took the credit card out and haven't been chased for the debt despite being on the Electoral Roll. However the default still shows on my credit file and I would like to have it removed. Also Wescott and Mckenzie Hall have searched at my previous address, I guess for Capital One as I have no other debts as far as I am aware, maybe the debt has been sold on again??

 

Is it legal for them to credit check me without my consent? Or do they have authority because the debt originated with Capital One (i think) who I did give authority to credit check me?

 

I would like to settle the debt, however I do not want to pay £544 for a debt which was only £200 in the first place. Is it too late to pull the unlawful bank charge card, as I presume this is why the debt is now so big? I only buried my head in the first place because the late payment charge was so huge.

 

Secondly, who do I now contact to settle the debt? Would it be Capital One, Lowell, Makenzie Hall or Wescott???

 

Once I have settled the debt I guess I can get the serches for 'oustanding debt' off my table 1 searches on Equifax, these are ruining my credit rating. Does anybody know if this is possible?

 

Anyone who is still reading, you deserve a medal!! Any help would be greatly appreciated as I now want to be debt free and creditworthy.:wink:

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First of all if you want to settle the debt stick with Capital One. I would refuse to deal with any of their crappy DCA's.

 

Please be aware though that the default, settled or not, will appear on your credit report for six years. It will just change to a Default that has been SETTLED.

 

Offer them £200, they will snap it up.

 

Once I have settled the debt I guess I can get the serches for 'oustanding debt' off my table 1 searches on Equifax, these are ruining my credit rating. Does anybody know if this is possible?

 

These maggots will do nothing for you, ignore them. The 'outstanding debt' markers on your credit report have no impact on your score. I know as I have two but I have a perfect credit score and am normally approved online straight away for credit. To tell you the truth, these markers are even less damaging than normal searches! At the moment the DEFAULT is having the largest impact on your credit report, work on getting that removed (unlikely) or make the £200 offer and it will become settled.

Edited by Coasters

And the latest score is...

 

DCA's 0 v Coasters 2

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