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    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
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First step Finance - **BANNED DIRECTORS STOLE +£6M**


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Help, nearly signed up to fsf but did not have chance to make the appointment to sign the paperwork. They called me today to say I did not pay the first month and that they have been contacting my creditors at extensive costs to themselves. I told them not to do this in my initial call but they are quite aggressive. I am conscious that if I cancel now they will try and claim costs etc from speaking to me, can they do that? I have not signed anything.

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Hi, sorry no nothing signed and no payments made to them. They are just saying they have already contacted my creditors etc. Thanks in advance, I am quite worried I will now have these people after me.

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Help, nearly signed up to fsf but did not have chance to make the appointment to sign the paperwork. They called me today to say I did not pay the first month and that they have been contacting my creditors at extensive costs to themselves. I told them not to do this in my initial call but they are quite aggressive. I am conscious that if I cancel now they will try and claim costs etc from speaking to me, can they do that? I have not signed anything.

 

They are fat changers and very loose with facts! NO, they cannot charge you and should they try, refer the to the FOS for a £500 fee.

 

They are aggresive and out of line and are trying to pressure you into signing up. just ignore them!!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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They are fat changers and very loose with facts! NO, they cannot charge you and should they try, refer the to the FOS for a £500 fee.

 

They are aggresive and out of line and are trying to pressure you into signing up. just ignore them!!

 

Thanks Lord Tiger, appreciate your feedback.

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Anyway, should they really contact your creditors without your permission (you didn't sign something giving them permission) then they are breaching the Data Protection Act AND Ching!!! Big payday for you!!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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  • 1 month later...

Just a quick update to my dealings with FSF, I informed them of my wish to cancel my arrangements etc and issued the section 10 notice. I immediately stopped my payments and made alternative arrangements.

 

I then received a letter stating that this 'complaint' would be investigated (Lord-Tiger-Putin had warned of this) but the FOS said they would do nothing until the complaint had been investigated, FSF said this would be within 28 days. After 38 days I had decided to get in touch and ask why there was a delay before I had chance to do this I received a registered letter stating that I had not responded to their findings and the matter was now closed.

 

I think not! Am I just being sceptical that they send a final letter registered post but their so called report has been sent unregistered (and undelivered). I wrote back immediately and said the matter is not yet closed, and demanded a copy of their report. I also asked that this be sent registered post to avoid 'confusion'.

 

Watch this space, I think these are tactics being used by FSF hoping I will just let it lie but the FOS will be being informed if there is no speedy response.

 

Thanks for being there Caggers you are proving to be invaluable.

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Would you Adam and Eve it! I have just received a very grumpy e-mail from [Name removed] at FSF stating that they have been monitoring my posts (OMG my identity is not secret ha ha) and I may damage my case if I post any letters or e-mails and that I have been reported to the FOS. Well let me tell you [Name removed] (when you monitor this tomorrow) I have no intention of publishing e-mail or letters from you or anyone else, my posts on here have been merely statements of facts or findings I have made during my unfortunate dealings with your company.

 

It was also stated in her e-mail that Lord Tiger Putin had commented on my post, can't see that, just the one from Sequenci. I also did not say that you were required to send your report by registered post, just that I found it strange that your final letter was registered and the more important letter was not.

 

Finally your reporting of me to the FOS makes not a jot of difference they will do to me exactly what they will do to you which is nothing from what I hear but you never know between them and the OFT I may get somewhere, and if you really are looking forward to hearing from them [Name removed] then I may just be able to make your day.

Edited by alanfromderby
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Would you Adam and Eve it! I have just received a very grumpy e-mail from [Name Removed] at FSF stating that they have been monitoring my posts (OMG my identity is not secret ha ha) and I may damage my case if I post any letters or e-mails and that I have been reported to the FOS. Well let me tell you [Name Removed] (when you monitor this tomorrow) I have no intention of publishing e-mail or letters from you or anyone else, my posts on here have been merely statements of facts or findings I have made during my unfortunate dealings with your company.

 

It was also stated in her e-mail that Lord Tiger Putin had commented on my post, can't see that, just the one from Sequenci. I also did not say that you were required to send your report by registered post, just that I found it strange that your final letter was registered and the more important letter was not.

 

She is funny, isn't she!! I will recommend to open an additional folder and call it 'Amusement' and file all her nonsense in there! They will probabley come up with some fabricated letters (as in my case) and believe everone will fall for it and do not realise that is the easiest thing to prove these fabrcations, but one should not be surprised!
Finally your reporting of me to the FOS makes not a jot of difference they will do to me exactly what they will do to you which is nothing from what I hear but you never know between them and the OFT I may get somewhere, and if you really are looking forward to hearing from them [Name Removed] then I may just be able to make your day.
The FOS charge the company you are complaining about around £500 (not sure what the exact amount is). So for them to benefit say £300 they ran the risk of you reporting it to the FOS costing them £500! I assume they write it off against taxes but it still doesn't make sense why they are not doing the appropiate thing, deal correctly and fairly with your complaint (I forgot! you didn't complain!!) and save themselves the cost!

When you report this to the FOS, I assume it will come to that because they will ignore everything and just steam on their own self righteous path!, you will then probably get another letter from her stating that you have opened another complaint (yep, reporting them to the FOS is another complaint!, told you an amusement folder is necessary!) and that it is a bogous complaint! Just for the record [Name Removed], when one refer your complaint to the FOS it has the reach the stage where both parties failed to come to an agreement and the person referrring the complaint the FOS and the company should not 'try' to resolve it but any negotions should take place through the FOS. Expect this from them and a claim that should you take them to court for any money they will counterclaim for your post here! he he.

 

Gathering the current developments I assume me and [Name Removed] will against speak soon, I miss you!!

Edited by alanfromderby

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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I then received a letter stating that this 'complaint' would be investigated

 

I assume you received their “complaints procedure”, the one with the grammatical errors?

 

I admit my English is not perfect, then it is not my first language but most importantly, I am NOT writing policy documents for a company!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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First Crap Finance have done their utmost best to try to neutralise this thread and forum by trying to post here and pretending to be a “friend” of someone dealing with FCF and also by trying to threaten people (ha, ha), including me, in an attempt to convince them to stop posting here. Well First Crap Finance, there is a much simpler and easier way of doing this!!

 

1. Firstly, treat your customers well and do not treat them as “money objects”.

2. Start doing the job you promised and are paid to do.

3. Stop mis-selling what you can do.

4. Respond appropriate to al the legitimate complaints.

5. Stop to always blame the customer when things are wrong and do sometimes accept your responsibility.

6. Get another Compliance Manager.

and so on …

 

then the postings here will certainly diminish significantly.

Remember, you cannot defeat a platform like this!

 

Remember, it is only libel if it is untrue!!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Why does FCF remind me of the phone hacking scandal ...... ???

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Just when you think it can't get worse .... it does!!!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Should FCF be a footbal team, which aspect will they be the best known for ... ??

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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As the team scoring the most own goals!! No other team will even come close!! They will probable be 1st, 2nd, 3rd and I assume 4th and 5th as well!!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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the OFT don't "understand" what the company primarily do on behalf of consumers. They are not pigeon-holed

 

 

I believe the OFT has perfectly pigeon-holed FCF ......

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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... unfit to trade!!!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Hi guys complete newbie here!! I was just about to register with fsf when I thought I better just see if they have any reviews. Thank god I stumbled across this forum! I am currently using a company called debtcorrect who aren't particularly good and I was "cold called" by fsf and it sounded good! After a few lengthy conversations and discussions of amounts and figures I now have one of thier agents coming round on tues for me to sign the paperwork. After reading this thread I am now thinking of cancelling and signing up with payplan. I am still thinking about challenging the validity of my contracts to try and be in a stronger position when I offer them a settlement figure. You guys have already been a lifesaver from what I have just read but what would you suggest my next step is? I currently have all my creditors interest frozen and I'm paying them an affordable amount each month through debtcorrect. Thanks in advance for your help!!

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