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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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DN issued FLM whom I signed as a guarantor


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Hi guys,

 

I've decided to make my own thread and list all actions I've taken against FLM whom I signed as a guarantor for (stupidly enough). Regular payments have been met though sometimes a little late since the loan was taken out sometime in the summer of 2008 (found an exact date) but due to financial difficulties of myself and that of my guarantee'r, just not able to keep up as I'm now unemployed and on benefits. We're a couple of months behind now and I need help with where I should now take this so any advice would be greatly appreciated.

 

This is the action I've taken recently.

 

1) Sent CCA request, SAR request for guarantor'ed and harassment letter on 3/8/10 (Tuesday) by recorded delivery. I have confirmation it was received on 5/8/10. Is it okay I put them all in one big envelope? I couldn't afford the cost of each.

 

Recieved a letter on 10/8/10 dated 9/8/10 by recorded delivery with a default notice. Attached it below.

 

They seem to have completely ignored my request. Also, I've not received any response/acknowledgement from when the FOS sent them a letter on behalf explaining my financial difficulties which was sent on 16/07/10.

 

Can anyone help? I know they've taken others to court and been successful in getting their money through charging order so I am concerned but I'm hoping if I do everything according to my rights I can win? They do mean business by taking one to court and I know they're not bluffing. I can't pay off the arrears they ask for by the due date though, it's just not possible!

 

Also, and I know this sounds stupid but I can't actually remember how much was taken overall. It started with a £3000 loan but I'm not sure if I signed for a top-up or anything.

DNScan.pdf

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It has to be set out and certain phrases highlighted in a specific way, the pdf tells you how it should be written.

 

Brain still mushy.....the two important paragraphs have more prominence than the rest of the DN..what are my depleting brain cells missing here?

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Thank you so much for your responses cerberusalert and middenmess! I really appreciate it; if I wasn't so broke I'd damn make a donation now. Rep is about all I can afford at the mo.

 

I've had a read through the doc you included cerberus particular the bit mentioning default notice under section 87(1). As far as I can tell, they've ticked off every bit? Even using exact wording from the document. If it is defective, what would that mean? Should I be doing something?

 

Btw, I've been told today that they have issued a response to the harassment letter on that I sent on behalf of the original debtor saying that they would cease calls for 7 days. When I get a hold of it, I'll post it up. They've not acknowledged my CCA or the OD's SAR request which was sent with the harassment letter. Should I do a SAR for myself as a guarantor? I thought since I barely had contact with FLM, it would be best to do it in the OD's name and I couldn't afford doing both then (or even now really!).

 

Thanks again for your responses. I'm going to keep you guys posted. I know there's others going through the horror of dealing with this company so hopefully, this'll help them too.

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This was the response to the harassment letter. I was thinking of writing to them again insisting that communication be by letter alone (in need of the paper trail if they should go to court). I know FLM blatantly lie over the phone. Worth writing do you reckon?

 

Harassedit.jpg

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I forgot to mention that I came across some legal papers today that I honestly have no recollection seeing but was basically threatening legal action and had an example copy of the claim form! I thought it the real thing! This was dated on 8/6/10 and it also contained a photocopy of the CCA agreement for the top-up loan. The exact same letter was sent to the original debtor with their copy of the CCA but what I found really strange was that where it mentions repayment plan, mine has been obscured by some text or something that I can't really make out but looks to be a figure and a date. I don't understand though since wouldn't I need to see such info? Can anyone comment on this and the enforceability of the agreement, please? Bearing in mind, this was a top-up loan.

 

I've scanned the doc's and all areas in blue are what have been filled in but just been obscured.

 

OD's CCA:

ODCCA_0002.jpg

 

My CCA as guarantor:

 

MyCCA.jpg

 

T&C's accompanied:

TCs.jpg

 

I was also sent a statement history but this only dates back to when the top-up loan was taken out.

 

I'd appreciate any help whatsoever on this peeps.

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Would anyone be so kind as to look over my response to them regarding the harassment by telephone? I'd like to send it today on behalf of the OD. Many thanks in advance.:)

 

Dear Mr Steer,

 

Thank you for your letter dated 6th August 2010 the contents of which have been noted.

 

I requested in my previous correspondence to you to continue communication in writing only – this request still stands.

 

I have no objections to communicating with you and I am legally obligated to be aware of any actions taken against my account but I request this once again in the form of writing.

 

Despite your objections to the contrary, I deem the frequency of your calls to be harassing in nature which is not only inconvenient but distressful to me and my family so much so we feared answering the phone. I, and others in my household, want to be able to answer our phone without such anxiety.

 

Additionally, in the event of court action, I wish to retain a paper trail and avoid the hassle of proving the misinformation and inaccuracies that have been relayed to me on the phone by FLM staff and those working on its behalf.

 

I therefore reiterate my request that all further communications be in the form of writing ONLY and remain so throughout my dealings with anyone dealing with this account. If this wish is ignored, I have no choice but to refer the matter to the relevant bodies outlined in my previous letter to you and calls will be recorded and used as evidence.

 

 

Yours faithfully,

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  • 4 weeks later...

hi guys,

 

Just an update:

 

I've had a response to my complaint made through the FOS in which I mentioned how unreasonable FLM were being with my account and not taking into account my financial difficulties. They've basically replied saying they can't lower amounts, nor freeze interest or charges. I want to take their response to the FOS to have a look at yet I'm not sure how I should go about making a strong case. Would the unfair charges be my main point? FLM have not addressed these issues directly in any correspondence sent. There's other issues too where they've blatantly lied when giving info. Would this be worth mentioning?

 

As the default notice remedy date has passed, I take my account has been defaulted?

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Hi there,

 

Although I've requested all communication be in writing, this request has been ignored by DCA and of course, they're trying to intimidate on the phone about what'll happen if I don't heed their threats. I'm being deliberately lied to on the phones about my rights. Is there anything I can do about this? Can I use what they say as evidence against them? I'd like to get a tape recording of the call but would they comply, I dunno.

 

I am aware of truecall but that's not something I can afford unfortunately.

 

thanks for the help/advice

 

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You are perfectly within your rights to record calls, though if you tell them in advance you might find they suddenly need to hang up so that they can do something else. I don't know if it would work, but you could just record on your mobile?

 

If you just want them to stop calling and threatening, refuse to answer their security questions and keep repeating 'in writing please' until they give up and go away. If you want to get more creative, try saying 'Hold on while I get my card' and see how long they wait before hanging up, or use a whistle, a chatty 3 year old, or any of the millions of other suggestions that are around.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I am lucky in that I have an old modem that I was able to use to record calls from MBNA, at first they did not listen when I told them I was recording calls. So I sent them a copy of one of the calls when they were making threats. All calls stopped.

 

dpick

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thank you both for the responses. I think I can try being a bit creative =) I do like a wind up now and then. What I find funny is how annoyed they were getting with me because I wasn't intimidated by their scare-mongering. I think I did manage a laugh or two; that couldn't have been how they pictured the conversation going.

 

LOL, dpick...thats brilliant! I wanna do sommat like that now. Record their calls and send it back to them.

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My best ones so far have been

 

1. When asked for my fathers first name for security purposes I said I couldn't do that as I was an abandoned child

2. Telling somebody from a loan company that I was a dominatrix and needed more money as my equipment got damaged at the last orgie I had

3. Kept speaking in Japanese....

 

See if you can find the thread 'Cheekiness towards a DCA', full of brilliant suggestions....

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Hi,

Do you have a home phone with loudspeaker mode?

Do you have a mobile with record function?

If yes to both then you will have no problem recording the calls.

 

You do not have to tell them they are being recorded however, you cannot use the actual recordings without their permission. You can however, transcribe it to paper.

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi,

Do you have a home phone with loudspeaker mode?

Do you have a mobile with record function?

If yes to both then you will have no problem recording the calls.

 

You do not have to tell them they are being recorded however, you cannot use the actual recordings without their permission. You can however, transcribe it to paper.

hi silverfox

yes, I do though I must admit quality aint so good.

 

Thanks for all your responses guys. (lol@ the crazzzy suggestions...cheekiness ahoy!)

 

Just to update. I got an sms text message on my landline that did not refer to anyone by name but stated the amount and arrears on this loan account and that my goods were threatened by 'bailiffs' also mentioning the creditor's contact details. I couldn't believe it as anyone could've picked that up (which wasn't me incidentally). I've written a complaint. I don't think anyone else but me should be privvy to such information. desperate or what?b

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I found the original thread I mentioned, its been responsible for the death of numerous keyboards across the country.....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?131409-Cheekiness-towards-a-DCA&highlight=cheekiness+towards+a+dca

 

Should brighten up a very wet weekend or two....

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  • 2 weeks later...
...

 

Just to update. I got an sms text message on my landline that did not refer to anyone by name but stated the amount and arrears on this loan account and that my goods were threatened by 'bailiffs' also mentioning the creditor's contact details. I couldn't believe it as anyone could've picked that up (which wasn't me incidentally). I've written a complaint. I don't think anyone else but me should be privvy to such information. desperate or what?b

I've spoken to the ICO and apparently there is potential DPA breaches here. I'm now making an official complaint with them as the company have failed to respond satisfactorily (basically fobbing me with off with FOS...another complaint process). I honestly don't feel bad at all. I've been treated appallingly by them...such horrible horrible people. They honestly wouldn't care if I was starving so long as they, the hungry beasts, were fed.

 

thank you guys so much. Don't know what I would have done without this forum

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