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    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
    • My expectation was their WS would include the best paperwork, like at least true copies of originals, but these just look wrong somehow, perhaps the font and size of font... Not sending me the DN in CCA request but producing it for evidence I would argue could be a tactic used by them... - Page 11 with ticks - there is no reference to IP addresses - Home addresses are correct for dates in documents   Just looking up example Defendant WS's while awaiting your thoughts on this
    • Hello lovely, just posting to check in to see how you are feeling now? Hopefully your feeling better? 
    • Sorry my redactions made it harder dx. Tick dates are 11/12/2014
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Credit reference Report Manipulation, anyone effected or know the law?


Major Player
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Hi All, just an interesting note from the iii board where someone has posted that customer credit files are/were manipulated to make it look like they had paid when they had not. This was a system called defferments and I recall it happening a lot with LMB accounts.

 

From my limited knowledge, this looks like fraudulent manipulation of credit files which not only has implications for the customer but other lenders too.

 

An example would be if someone had missed 6 months of paymants but their credit file showed them as being up to date, obviously if applying for further credit that person would be unfairly advantaged in having a better credit score, making them attractive to other lenders but also giving them encouragement to increase their debts when they shouldn't (In reality putting them at a severe disadvantage without their knowledge or consent).

 

I wondered if anyone on here had checked their credit file to see of their arrears level tied up with the correct amount of missed payments and agreed payment holidays and also if anyone could let me know if that meant that there were grounds to get the debt written off or at least some compensation?

 

Also any disaffected members of staff, what do you know on this as its clearly not been made public knowledge but looks like another not so well hidden secret.

 

:?

Edited by Major Player
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As an update, done a bit of digging and it seems as though it is possible to get debts written off, defaults removed and debts off your credit file if they have been altered fraudulently.

 

Will get some case law but this seems like another avenue for anyone with defaults etc, could check the amount and if its not enough may be able to get the thing written off.:-o

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You are indeed a MAJOR PLAYER. Once again this is Dynamite stuff. this is total Manipulation, Corruption and Fraud. When will they stop?

 

On what may be a similar vein ( and totally coincidental), my wife has received, from the local County Court, a receipt for an £80 payment on a warrant issued in Northampton ( CCBC), received on the 9th.

 

The thing is WE know nothing of any warrant and more precisely, WE do not know where this £80 payment has come from!!!

 

Apart from posting this in the relevant section, does anyone have a bloody clue what is going on???

 

answers on a postcard please.

 

Cheers, MARK

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Stay with us Major and freedom of speech will previal. Your identity is protected on this forum but even if it should be known you have not given anything away that is privilidged information that you signed a disclosure for. All you have entered in is your opinions and advise based on your perceptions and knowledge as an individual.

 

 

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Let them know I say as ozzy quite rightly said if you arent 'gagged' about anything whatever you say is up to you and your right to do so ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Just an update, waiting to hear back from the FSA and the credit agencies on this, I have also been informed that Welcome "Know who I am" and would recommend me stopping posting on this forum, maybe they are worried about something!?

 

Who the F*** are they to Recommend Anything???

 

Anyway Major you are a " Proper Cagger ", now you ve` been Cagbotted. LOL;)

 

Obviously worries them that you have all this " Insider " knowledge. What can they do to stop you posting your opinions here?

 

Point them in my direction M8 I`ll tell `em just where they can go!!! T:grin:SSERS

 

Cheers, MARK

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can anyone tell mark is dying for the chance to offer his true opinion in a place he wont get CAGBOTTED lolol

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Just an update, waiting to hear back from the FSA and the credit agencies on this, I have also been informed that Welcome "Know who I am" and would recommend me stopping posting on this forum, maybe they are worried about something!?

 

 

Who informed you that Welcome know who you are??

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Can I jump on board here - I have just posted similarly on the Credit Reference Board as I believe Welcome are doing this to me. Two accounts dating back from 2006/2007, one loan one HP Car (young and silly) anyways both defaulted all this time back, one even has a CCJ, yet one still showing as only code 6 on my credit file and one last month was code 3! How can this be - I have done nothing with these for nearly 3 years! Welcome updated the information in January 2010 so it is wholy inaccurate.

Any recommendations what roads I should go down?

Thanks

Halifax plc - £1600 WON - received

Halifax plc - £925 WON - received

Halifax plc £370.00 WON - received

 

Yorkshire Bank - £1290 WON - received for boyfriend

 

Back to sort out Credit File and get back on track!

 

HAVE FAITH AND KEEP GOING :p

 

 

 

 

 

 

 

 

 

 

 

 

 

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