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    • OK.  So you lent your car to a friend in 2019 and he racked up three parking tickets that he tells you he didn't know anything about(!).  You were the registered keeper (RK) at the time at your family address, but you got chucked out and could not change your RK address with DVLA because you were homeless.  You knew nothing about the parking tickets and enforcement action until you got a bailiffs' letter passed on to you.  You made an Out of Time (OOT) application in respect of one PCN but Birmingham CC objected to it and the traffic court rejected your application.  A solicitor helped you make OOTs in respect of the other two PCNs but you don't yet know the outcome of those two applications.   Is that the situation you are in?   dx100uk thinks you can resubmit the application saying your friend was the driver.  I don't think saying that will help as the driver is irrelevant.  It's the owner who is liable to pay the charge and that is the RK (unless the RK is a car hire firm).  I assume you are not a car hire firm so you are stuck with the liability, not the driver.   Whether you actually can resubmit an OOT once one has been rejected I do not know, but why not try.  What did the solicitor put on the applications they helped you with?  Did you not ask their advice about the rejected application while you were with them?  I think you would have to say something to the effect that you never received any paperwork in relation to the PCNs because you had been chucked out of your home and because you were homeless you did not update your address at DVLA.  That is the truth isn't it?  You don't want to lie on the application.   To me that's a good reason for you not doing anything about the PCNs, but I suspect that Birmingham CC will object again and that the traffic court will reject again.  And, as I said above, I don't even know if you can submit a second OOT application in respect of a PCN if the first has been rejected.   So it looks to me like you might be a bit stuck.   Unless dx100uk, or spaceman61, or another poster with expertise in local authority PCNs comes along I'm not sure what you do.   If you get no more helpful suggestions here you could try on National Consumer Service.  If you do go there, do not register with a hotmail address.  You will also need to provide them with a timeline of everything for all the documents you actually have, and you will need all the facts and dates etc at your fingertips.  And make sure they are accurate.   http://forums.National Consumer Service.com/index.php?showforum=30   And get your friend to contribute to paying off the PCNs.  Do you believe he really knew nothing about them?
    • To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).
    • Hi Charlie and welcome to CAG   As an Executor, you have a duty to insure the property and tell the currect insurer of the passing of the deceased.   Most insurers will refuse normal contents cover on a house left unoccupied beyond 60 days. So, unoccupied, the home will not be insured against break-in damage, theft, flood, accidental damage, etc.   You may be able to obtain FLEE insurance covering only Fire, Lightening, Explosion and Earthquake. It may cost more than usual contents cover  because the home is unoccupied, even though the level/amount of cover is less than for an occupied home.   As said here already, an Executor would be wise (or indeed have a duty) to remove valuables from the home if you have somewhere safer to store them pending Probate, distribution, sale, etc.   I hope if you can explain the insurance risks to YB and assure him that you are not taking items just for your own benefit, he may see sense.   Please keep us updated ............
    • yours is not the next move   dx  
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Credit Resources Solutions


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Credit Resource Solutions are a "company" who do not apparently conform to the Debt Collecting Agency regulations. I note from reading previous posts that some people have already reported them to Trading Standards and the Police for harrassment. As far as I understand tghe law if you have notified them that the "debt" is being disputed then they are not entitled to keep harrassing you. In fact they are most likely breaking the law by continuing to do so.

 

In this case I would suggest people who are being harrassed by Credit Resource Solutions (or indeed any other Debt Collecting Agency) should inform West Yorkshire/ Halifax Trading Standards[/b] (google them ) and the Main Police Station for Halifax / West Yorkshire (google again).

 

That is what I intend to do having received a 3rd letter from them having advised them on receipt of the first letter that the so called debt is in dispute and that they should return the file to the Originator ( ie. the company that originally contacted them.

 

Credit Resource Solutions have ignored my 2 reply letters (by email to their email address) to their first and second letters (I know they have received them as they did not bounce back) and I do not intend to continue the correspondence with them by answering their 3rd letter sent contrary to my explicit instruction not to harrass me further or I would report them to the relevant authorities. They obviously do not care about their apparent breaking the law or being reported .

 

However If enough people report them for harrassment and distress the authorities will have to take notice and take action against them. Please if you are having problems with Credit Resource Solutions DO REPORT THEM!!!

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join the queue of ALL the other DCA's under complaints

 

not worth the bother

 

a computer does not understand do not write to me the A/C is in dispute.

 

just ignore them

 

the police have REALLY got better things to do than count DCA letters.

 

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... 

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Here is their CCA licence details;

 

 

Application / Licence Details

 

 

 

 

Licence Number:0536459

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Credit Resource Solutions Limited4690879

 

Categories:

 

Debt collecting Provision of credit information services, excluding credit repair

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Credit Resource Solutions

 

Issued Date: 08-Jun-2003

Date Maintenance Payment Due: 07-Jun-2013

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Andrew Mark Calvert Julie Calvert

 

Historic Individuals that run the organisation:

 

NamePosition Daniel Alexander EatonOFFICER Keiron Matthew TeatherOFFICER Richard Neill StringerOFFICER

 

Nature of Business:

 

Debt Collection Other

 

Current Address(es):

 

Address TypeAddress Correspondence1855 Building, Discovery Road, HALIFAX, West Yorkshire, HX1 2NE, United Kingdom Principal Place Of BusinessRousemount House, Rosemount Estate, Huddersfield Road, Elland, HX5 0EE

 

Historic Address(es):

 

Address TypeAddress Principal Place Of Business1855 Building, Discovery Road, HALIFAX, West Yorkshire, HX1 2NE, United Kingdom Principal Place Of Business46, Prescott Street, Halifax, West Yorkshire, HX1 2QW Registered OfficeLamb Lodge, Pobgreen Lane, Uppermill, Oldham, Lancashire, OL3 6LN

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thank you to the 2 people who replied. You both appear to be working for this site and I really was hoping for some other consumers who are having problems with Credit Resources Solutions (there must be a lot!) to reply.

 

dx100 uk - Ignoring them doesn't seem to be working as they continue their illegal harrassment. As this behaviour is illegal it should be reported to their local police as they are best placed to stop it. Other so called DCA 's have conformed when disputes are pointed out to them by returning the file to the Origiantor (British Gas). British Gas instead of answering my letters chose to pass on their claim to a Debt Collector. On receiving my reply that DCA returned the file to British Gas no further action to be taken. Some time later 6mths to a year a different DCA sent me a letter. I repeated my response and the 2nd DCA responded the same as the 1st by returning the file to British Gas. Now some 2yrs later or more British Gas appear to have referred the matter to a 3rd DCA so again I followed the same procedure suggesting BG reply to letters instead of contacting third parties.

 

This time the response has been different and Credit Resources Solutions have not returned the file to British Gas as I suggested but have continued to harrass me not acknowledging my letters (I know it might be a computer but that does not make it acceptable -it is still harrassment and illegal). Also this new DCA (crs) has the apparent reputation of taking on cases where other DCA's have failed to achieve a result for their clients presumably because they have obeyed the law.

 

Debt Collecting Agencies and their unacceptable behaviour has been raised in Parliament and the more people complain to the authorities the more attention this matter will receive and hopefully more restrictive procedures will be introduced to curb these peoples unfair practices. This will not happen by simply ignoring them. Also it might persuade companies like British Gas to enter into dialogue with their customers and ex customers rather than passing the buck to so called DCA's and so called Credit Reference Agencies who I rate with the same level of contempt as Debt Collecting Agencies.

 

Martin3030 Thank you for your information but how would this help me? I would need to know which government agency grants these licences?

Edited by benTEN
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it's not illegal for dca's to chase you.

where does that come from?

there is an harrassment act, but it does not end in criminal proceedings,

 

we don't 'work' here its a voluntary forum...

 

we like to help people......

 

but TBH you are treading on already well trodden ground.

 

not worth the effort.

 

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... 

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DX - You clearly think it worth while replying. I repeat this particular DCA is behaving differently than others I have encountered and this needs to be highlighted. The general issue of Debt Collecting Agencies may well be well trodden but some of them are still continuing with unfair practices whilst others have taken notice.

 

Also I note from this website and other similar ones that there are no current posts about this company giving a misleading impression that this company has mended its ways. Clearly this is not the case.

 

If this issue is not of interest (not worth the effort) to you then I am at a loss as to why you are replying. Please feel free to devote your efforts to all the many other posts to which you have replied.

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Thank you to the 2 people who replied. You both appear to be working for this site Nobody really works for this site it is all voluntary and I really was hoping for some other consumers who are having problems with Credit Resources Solutions (there must be a lot!) to reply.

 

dx100 uk - Ignoring them doesn't seem to be working as they continue their illegal harrassment. Nothing new there then, they work on the principle that if they harrass enough you will crack As this behaviour is illegal it is not technically illegal, it is against the credit association and OFT guidelines it should be reported to their local police as they are best placed to stop it. Other so called DCA 's have conformed when disputes are pointed out to them by returning the file to the Origiantor (British Gas). British Gas instead of answering my letters chose to pass on their claim to a Debt Collector. that is what most firms do, it depends on the dispute, which I cant seem to see from your posts On receiving my reply that DCA returned the file to British Gas no further action to be taken. Some time later 6mths to a year a different DCA sent me a letter. standard practice if a debt exists I repeated my response and the 2nd DCA responded the same as the 1st by returning the file to British Gas. Now some 2yrs later or more British Gas appear to have referred the matter to a 3rd DCA so again I followed the same procedure suggesting BG reply to letters instead of contacting third parties.

 

This time the response has been different and Credit Resources Solutions have not returned the file to British Gas as I suggested but have continued to harrass me not acknowledging my letters (I know it might be a computer but that does not make it acceptable -it is still harrassment and illegal). Also this new DCA (crs) has the apparent reputation of taking on cases where other DCA's have failed to achieve a result for their clients presumably because they have obeyed the law.

 

Debt Collecting Agencies and their unacceptable behaviour has been raised in Parliament and the more people complain to the authorities the more attention this matter will receive and hopefully more restrictive procedures will be introduced to curb these peoples unfair practices. This will not happen by simply ignoring them. Also it might persuade companies like British Gas to enter into dialogue with their customers and ex customers rather than passing the buck to so called DCA's and so called Credit Reference Agencies who I rate with the same level of contempt as Debt Collecting Agencies.

 

Martin3030 Thank you for your information but how would this help me? I would need to know which government agency grants these licences?

 

if you explain what your dispute is about with BG and not the dca then you may get more responses, but people on here are well aware of the DCA tactics

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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  • 4 months later...

Don't talk to them by telephone.

Write disputing debt.

Then if they continue to harass you:

 

- report to the police,

- send harassment letter to either of the Calverts (Directors),

- talk to a solicitor,

 

They are a poorly run outfit who can do nothing else other than bully.

That is where their powers stop.

 

I would actually get the police involved.

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