Jump to content


  • Tweets

  • Posts

    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Can i get default removed? please help


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5369 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi people

 

Just hope you can help please.

 

I recently got a credit report off Experian which to be honest wasn't great reading.

 

But one of my defaults was off the Natwest saying i had defaulted on a loan which they couldn't produce a CCA for.

 

It was my thoughts that they couldn't do this as it is an unenforcable debt.

 

If i am right what would i have to do to get it removed?

 

This is seriously starting to annoy me but wouldn't know where to start in getting it removed.

 

Any advice or help would be very much appreciated as it is starting to stress me out

 

Thanks again Andy...

Andy...

 

 

 

 

 

 

 

 

Link to post
Share on other sites

Hi, I'm in a similar situation.

 

My complaint relates to a closed mail order account (NEXT Plc) and i have issused them with a cca requested which they failed to provide a true signed copy of the agreement. They have recorded a default against my name and i am trying to get it removed.

 

I need some help, same as you, on how about getting a default removed when there was no cca.

 

I hope someone can help us!

Bank Charges refunded from Halifax £2600

Bank Charges refunded from halifax joint account £554

Credit Card Charges refunded from Halifax £300 plus interest

:D

 

 

Link to post
Share on other sites

it is down to the CRA to check their data is correct.

 

i'd be inclined to write to them, stating that the said default was issued by a co. not having a CCA with you & as such it should be removed.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks dx.

 

So you think it should be taken off then.

 

Will take your advice and do that.

 

Are there any template letters i can use that you know of?

 

Thanks again Andy...

Andy...

 

 

 

 

 

 

 

 

Link to post
Share on other sites

Thanks dx.

 

So you think it should be taken off then.

 

Will take your advice and do that.

 

Are there any template letters i can use that you know of?

 

Thanks again Andy...

 

Hi Andy,

 

Myself has already tried this several times. I have called experian today and got a response " we can't remove data from your credit file without the permission of the company"

 

The bloke said to me its like going into a libary and you read a book and you noticed spelling mistakes etc and you ask the libary to amend the book, but as they are not the authur of the book, it is the authur who is the only person can amended the details of the book. Silly i no!

 

I asked experian, why do they continue to show data that they know themselves is not correct, but the bloke said he couldn't comment!

 

Its very frustrating!!! as soon as i get more info i'll let you know.

Bank Charges refunded from Halifax £2600

Bank Charges refunded from halifax joint account £554

Credit Card Charges refunded from Halifax £300 plus interest

:D

 

 

Link to post
Share on other sites

Thanks PGH.

 

Have read the thread. Very interesting.

 

It doesn't seem to say that they can continue to process data without a CCA. It just seems to say that what they get told they believe. I'm no Steven Hawking but have i got a case then?

 

Will write to the cra's and ask them to stop processing certain data which haven't got a cca linked to them!

Andy...

 

 

 

 

 

 

 

 

Link to post
Share on other sites

you need to write to the cra's with a dispute letter and state quite clearly that you disagree with the default because xxxxx

 

then also state that without proper confirmation from the originator of the default that a debt actually exists that this default should be removed, i after 28 days they have not done this then report the matter to the information commisioners office for resolution

Link to post
Share on other sites

Thanks PGH.

 

I think this is sound advice (i hope) and somehow will get a resolution off it.

 

How do you get hold of the information commisioners office?

 

Never had to do anything like this before so really don't know.

 

Thanks again everyone who has responded you are very kind

 

Andy...

Andy...

 

 

 

 

 

 

 

 

Link to post
Share on other sites

it is down to the CRA to check their data is correct.

 

i'd be inclined to write to them, stating that the said default was issued by a co. not having a CCA with you & as such it should be removed.

 

dx

 

This is sound advice. However I have written 4 letters so far and all i get in response is " we have discussed the details with the client and they confirm the information is accurate". -->Even though it isn't. Experian like to pass the buck i think. I sent them a little reminder email earlier to prompt them to get things sorted and got the standard response from them aswell. I for one can't understand how they can get away with it. they are SUPPOSED to deal with accurate info yet they let companies run amok with our lives and financial status. Sad face :(

If you are trying to get it removed as I am then it will probs take a bit of time but it is definatley worth pursuing.

Good luck with it.

VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

Link to post
Share on other sites

Hi Andy,

 

The bloke said to me its like going into a libary and you read a book and you noticed spelling mistakes etc and you ask the libary to amend the book, but as they are not the authur of the book, it is the authur who is the only person can amended the details of the book. Silly i no!

 

I asked experian, why do they continue to show data that they know themselves is not correct, but the bloke said he couldn't comment!

 

Its very frustrating!!! as soon as i get more info i'll let you know.

 

LOLOL I can't believe it I was told a very similar thing by experian at which point I corrected him. I said "If their was an error in a book it would be down to the publisher to make sure the details are correct before it is put into circulation". In this example Mr Experian you I am afraid are the publisher and it is your job to get it right.

Epic fail....

VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

Link to post
Share on other sites

Thanks Zorro.

 

Sounds like i will have a bit of a battle on my hands then.

 

Have you reported them yet to the information commisioners office, also do you know anybody that has done what we're doing and actually won?

 

Things like this really **** me off. Fed up of these companies ruining peoples lives.

Andy...

 

 

 

 

 

 

 

 

Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/148780-experian-final-battle-commences.html

check this out - there is no ending at present but it may give you some ideas as what to put in a letter.

I have not been to the ICO yet as I am waiting to get more letters and excuses from experian.

Someone with more expereince will be along soon to help you out.

VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

Link to post
Share on other sites

Hi Andy,

 

I have sent the following letter to NEXT, who i am in dispute with.

 

I dont no if it will help you but its worth a try.

 

 

Final Warning before Court Proceedings

 

Ref: **********

 

Dear Sir

Thank you for your letter dated ******, the contents of which have been noted.

 

As you have already confirmed your inability to comply with my legal request for a Consumer Credit Agreement (Consumer Credit Act, 1974) however, because no such agreement exists, the above account remains entirely uneforceable.

 

Furthermore, as you remain unable to provide such evidence of my signed consent to pass/share my data to third parties, I hereby request the immediate removal of all default entries with Credit Reference Agencies. I also require written notification when this has been achieved, within a period not exceeding 14 days from receipt of this letter.

 

Failure to provide me with such notification will leave me with no alternative but to commence court proceedings against your company, including a claim for compensation in relation to the unlawful registration of adverse information against my name.

 

Please be aware, that the Consumer Credit Act, 1974 is very clear; stating that a default can only be issued for breach of a valid, regulated Credit Agreement. As you have already confirmed that no such Agreement exists, a default cannot therefore be issued against a non-existant Agreement.

 

Please note, that this letter represents a Statutory Notice under Section 10 of the Data Protection Act, 1998 to cease and desist from processing any data in relation to this account. YOU HAVE 21 DAYS TO COMPLY TO THIS ACT.

 

Finally, please be aware that a creditor is not permitted to take any action against an account whilst it remains in dispute and the lack of a properly executed Credit Agreement represents a complete defence in any court action that you may take.

Without ambiguity, I trust that I make myself perfectly clear and look forward to your positive response in removing all default entries against my name, in order to finally bring this matter to a close.

Yours faithfully

 

---------------------------------

 

 

Good luck!

Bank Charges refunded from Halifax £2600

Bank Charges refunded from halifax joint account £554

Credit Card Charges refunded from Halifax £300 plus interest

:D

 

 

Link to post
Share on other sites

Pinky69 is currently involved in court cases with regards to default removal. It may help to have a look at her threads as well.

 

Watching with interest as in same situation also.

 

Regards

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

Link to post
Share on other sites

Hi everyone

 

Just thought I'd share my 2 pence with you. I worked alongside trading standards for a short period, when I found CAG I double checked a lot of info with them as the site seemed to good to be true but they agreed the steps many forum members followed were legit :).

 

My first thought was getting the defaults for no CCA debts removed as then I'd have the perfect file. I spoke to my friends in Trading Standards as they were very on the line with me. Their view on defaults is that no CCA only means the debt is not legally enforceable, it does not mean the debt does not exist and therefore legally the creditors do have the right to record the information on our credit file.

 

I took some template letters off a thread a while ago and tried to get all of my creditors to remove the defaults but I got fed up of queueing at the post office for months and gave up. I'll be doing a search for pinkys thread and following with interest to see if I can pick up anything to use for round2.

I love CAG!

Link to post
Share on other sites

  • 2 weeks later...

I have to agree with lihi.

I wrote to one of my creditors to try and get a default removed after confirmation from them that they did not have the CCA and was told that although the debt was unenforceable to entry on my credit file was a true reflection of the way my account had been run.

Link to post
Share on other sites

There is some hope though. I for one have been going at it with 3G mobile for several months and then all of a suddon when I sent off my "your going to court letter" I got a lovely call from the cheif execs office where they apologised for the mix up (it wasn't a mix up) and removed ALL entries ever made against the account. I then got an apology letter from the cheif exec himself. I got all governing bodies envolved in the telecoms industry breathing down there necks and I think the just wanted rid of me. I think it is a luck thing and if you letter gets past to the right people.

On the other hand, Littlewoods who I am dealing with stated that they have an obligation to warn other creditors of my spending, borrowing, non-paying paterns even though they have admitted no CCA.

Food for thought....

VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...