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    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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Two Defaults on one account


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Hi there,have just been looking at my Experian account,and there are two different defaults, for the same Barclaycard,but showing on seperate accounts,one is by 1st Credit,the other by Barclaycard.

Are they allowed to do this,thanks.Steve:eek:

 

Put simply, NO!

 

Who is chasing you for the debt? Barclays or 1stcrudit?

If 1st have bought the debt from barclays then the only default showing should be from 1st, barclays should have removed their mucky footprints from your file when they sold it!

 

Get in touch with experian and make a complaint that there are two defaults showing for the same account.

Then make a complaint to barclays, the OFT, 1st crudit, your cat your dog, anyone else you can think of!:D:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi all,who would i send CCA to,Shall i sent it to both,and also what shall i put in letter to all parties re this complaint.thanks.Steve

 

That depends on how old the debt is?

Is it before 2006? How did you apply for the card, internet, form in magazine, in person, over the phone?

 

And looking at both the entries on your CRA file, it does look like it has gone back to sharklay card, have you not received any notification from them that they are pursuing it?

 

If you have not received any notification about the debt, and who is now responsible for collecting it, I would let sleeping dogs lie, unless your credit file is of any importance to you?;)

  • Haha 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Have already sent CCa letter to 1st crudit,so will wait and see what happens,they will probably say debt gone back to barclaycard,if so should they remove their details from CRA,and have not heard from either party in a while,thanks.Steve

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Have already sent CCa letter to 1st crudit,so will wait and see what happens,they will probably say debt gone back to barclaycard,if so should they remove their details from CRA,and have not heard from either party in a while,thanks.Steve

 

Yes, if the debt has been returned to sharklay card, which looks like it, then they have to remove the marker on your credit file, you simply cannot have more than one marker for the same debt.

 

Take a look through this link I got from the National Debtline

;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...
  • 2 weeks later...

I am guessing you already sent the 'account in dispute' letter?

 

As for the CRA, they are pretty much in the pockets of DCA's, I will never understand how they can apply a marker against a person when they only have half of the story?

 

Still, make a complaint to the CRA, as quite simply there has always been two sides to a story, and as they don't have your nor even had the decency to ask for it, wring their complaints procedure dry!:D

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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LFB, I had a similar problem with 1st Credit and CitiFinancial.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/211254-1st-credit-issuing-default.html

 

1st Credit said they would 'ask' Citi to remove their default. I also emailed Experian and asked them to do something about it.

 

The Citi default has now been removed from my file. Experian never replied to my email - nearly 2 weeks ago - so I don't know whether it was them or 1st Credit who prompted Citi into that action.

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That unusual with Experian, you normally get an automated email !

You could get back intouch with Experian and ask them who removed default.

 

Experian have just emailed to say that they've checked the credit file and the Citi default has already been removed - which is correct, obviously.

 

It must have been 1st Credit then who contacted Citi. :eek:

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Just an update regarding these entries on Experian, checked Experian today and the Barclaycard entry has now gone!

Only 1st Credits entry is now showing.

Well if it is down to the ICO getting involved, that was bloody quick !!!!!:)

 

A good result at last!:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi,Bazooka, its really strange, i also complained about my wifes on the 8th ,and it went through my email,and they have taken my wifes off as well.

I only complained to Experian regarding my wifes, and the email automatically went through my email account and today her halifax account is now gone,strange hey

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