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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
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Sisters Barclaycard debt & HFO


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The Barclaycard influx is very worrying - if I were BC I would be looking into this and how they can best assist their previous 'customers'. They often 'wash their hands' of it and tell people to contact HFO when it is information from BC that they actually need.

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Still think the ‘as previously informed’ and ‘reminder notice of assignment’ letters are deliberately misleading.

 

We need to encourage anyone whose first contact is via one of these letters to complain to the OFT. Maybe we should start suggesting sending SARs to HFO to see what letters they reckon they’ve sent previously?

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May be worth putting that suggestion into any "stickies" that provide a comprehensive list of what to do when approached by the vermin. Not sure if there IS a sticky for that, and if not it might be worth making one up...or not, dunno just throwing an idea around for myself as well atm

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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would it be possible to do that with the majority of DCA's? Or are there just too many these days?

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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HFO are a particularly nasty DCA amongst nasty DCAs. I am trying to put together the list you suggested based on the advice I keep giving to people but everyone is different so it may vary.

 

If approached by HFO, I always recommend an immediate CCA request, Telephone harassment letter, SAR and telephone calls to Barclaycard and complaints to OFT and Consumer Direct plus CRAs and ICO if they send personal data. NEVER speak to them on the phone unless you can record the calls, log all calls and keep all letters and envelopes. Keep everything in writing.

 

Also Elsa has a good blog on being harassed by DCAs.

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  • 2 weeks later...

Recently wrote to both Experian and Equifax regarding an incorrect default date for an old Barclaycard account. I have confirmation of the original date from BC from a SAR. I sent covering letters and copies of the original default notice to both the CRA.

 

Today Experian responded by saying that after they have contacted HFO they have informed them that the date listed is correct, despite my copy of the default notice being sent to Experian direct. Usual buck passing, they are not responsible etc as customers (HFO) sign an agreement that the information they supply is true and they carry out 200 checks etc etc. So even after being supplied with copies of the OC default date they still take HFO's word with no evidence that the date they list is correct. Experian even sent me the screen shot of the conversation between them and HFO.

I have notified Experian today that I consider them to be in breach of the data protection act and they have a further 14 days to remove the incorrect listing (as its outside the 6 years) or I will take Experian to court for compensation/removal etc.

 

As yet Equifax (who are normally easier to deal with) have not responded.

 

I have also today finally started my long awaited battle with HFO directly, something I tried to avoid by going straight to the CRA's.

 

I have also contacted Barclaycard and asked for an explanation for the delay in the registering the default with the CRA's and copies of all data which was sent to HFO when they purchased the debt. I have already had some information from them as part of a SAR, but to date no CCA or NOA, which I specifically requested. The original 40 days is up and I have given them another 14 days to respond.

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Brief outline, HFO have a date of default on my CF I know to be incorrect and the SAR to BC proved this, I have today contacted them after receiving a negative but expected response from Experian.

 

Recently wrote to both Experian and Equifax regarding an incorrect default date for an old Barclaycard account. I have confirmation of the original date from BC from a SAR. I sent covering letters and copies of the original default notice to both the CRA.

 

Today Experian responded by saying that after they have contacted HFO they have informed them that the date listed is correct, despite my copy of the OC default notice being sent to Experian direct. Usual buck passing, they are not responsible etc as customers (HFO) sign an agreement that the information they supply is true and they carry out 200 checks etc etc. So even after being supplied with copies of the OC default date they still take HFO's word with no evidence that the date they list is correct. Experian even sent me the screen shot of the conversation between them and HFO.

I have notified Experian today that I consider them to be in breach of the data protection act and they have a further 14 days to remove the incorrect listing (as its outside the 6 years) or I will take Experian to court for compensation/removal etc.

 

As yet Equifax (who are normally easier to deal with) have not responded.

 

I have also today finally started my long awaited battle with HFO directly, something I tried to avoid by going straight to the CRA's.

 

I have also contacted Barclaycard and asked for an explanation for the delay in the registering the default with the CRA's and copies of all data which was sent to HFO when they purchased the debt. I have already had some information from them as part of a SAR, but to date no CCA or NOA, which I specifically requested. The original 40 days is up and I have given them another 14 days to respond.

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Have you lodged a formal complaint about the bum chums allowing incorrect data to be placed on your CRF? That will be an easy grand in the bank for libel then, cheers experian....

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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No doubt your CRA entries are in the name of HFO Services, yet your Barclaycard was was probally sold to one of the Capitals or even Roxburghe, if this is the case then HFO Services should not be the name on your credit file, they are after all separate legal companies, they know this I have a WS signed by Alisdair Turnbull himself admitting the fact.

 

Last time I looked at my CF HFO Services was still being recorded as the creditor, which is incorrect, have just not been arsed to challenge as HFO gave in against me and my bank have always ignored the entry, as we have a long creditworthy relationship, but it might just be the time to kick up a stink and try and put another nail in the coffin.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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I also have unresolved issues with Equifax, HFO and the entries on my file (two of them, one Services and the other the OC) but it was banging my head against a brick wall so gave up.

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I also have unresolved issues with Equifax, HFO and the entries on my file (two of them, one Services and the other the OC) but it was banging my head against a brick wall so gave up.

 

Maybe we should keep banging

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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If like me you have proof from the OC that the default date HFO have registered is false they don't have a leg to stand on in my opinion. It just a matter of forcing them into court, which I doubt it would ever come to. They would just claim an admin error etc.

 

Main thing is the CRA's contracts and 200 checks, they allegedly have in place with these companies are not fit for purpose.

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  • 2 weeks later...

Just a quick update on this, I have had no contact from Experian at all, Equifax have written informing me that they contacted HFO and the information was correct. They even sent a copy of the screen shot of the emails between them and HFO.

I then wrote to HFO (somethiing I tried to avoid) enclosing the a copy of the correct default date from Barclaycard. They wrote back informing me after contacting BC the default HFO had listed was incorrect and it would be removed from my credit files. It all seems a bit to straight forward for my liking, but HFO are quiet at the moment. HFO laid the blame clearly with Barclaycard in the letter for the incorrect data.

I have now written to both Barclaycard and HFO inviting offers of compensation.

 

Updates if and when they come.

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Just a quick update on this, I have had no contact from Equifax at all, Experian have written informing me that they contacted HFO and the information was correct. They even sent a copy of the screen shot of the emails between them and HFO.

 

I then wrote to HFO (something I tried to avoid) enclosing the a copy of the correct default date from Barclaycard. They wrote back informing me after contacting BC the default HFO had listed was incorrect and it would be removed from my credit files. It all seems a bit to straight forward for my liking, but HFO are quiet at the moment. HFO laid the blame clearly with Barclaycard in the letter for the incorrect data.

 

Barclaycard have ignored my last letter completely and to date Equifax who are normally very good have not responded at all

 

I have now written to both Barclaycard and HFO inviting offers of compensation.

 

Updates if and when they come.

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You should add Equifax into that group, seeing as they failed to carry out the correct checks, and allowed incorrect data to be processed on your file, they are as much to blame as the rest of them!

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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oh don't you worry! There are letters before action ready to go to all of them HFO/Barclaycard/Equifax/Experian. I am being very lenient with time scales as when this does go to court the judge will see they were given ample time and opportunity to respond to my questions etc.

 

and I have an amazing paper trail now which goes back to January 2010 when this matter was first queried by me.

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