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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • anotheruser0000
      Parking Fee Paid But Input Incorrect VRN

      By anotheruser0000 · Posted

      Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.  
    • dx100uk
      Parking Fee Paid But Input Incorrect VRN

      By dx100uk · Posted

      you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • anotheruser0000
      Highview/DCB(L) ANPR PCN - Letter of Claim - Now Claimform - overstay - Riverside Retail Park in Norwich, Norfolk.

      By anotheruser0000 · Posted

      Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • lookinforinfo
      Highview/DCB(L) ANPR PCN - Letter of Claim - Now Claimform - overstay - Riverside Retail Park in Norwich, Norfolk.

      By lookinforinfo · Posted

      Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • anotheruser0000
      Highview/DCB(L) ANPR PCN - Letter of Claim - Now Claimform - overstay - Riverside Retail Park in Norwich, Norfolk.

      By anotheruser0000 · Posted

      Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

No reply to SAR - Then what?

f.in.debt

By f.in.debt
in Debt Collection Agencies

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f.in.debt

f.in.debt

Posted
Posted

Hello cagers,

 

I have a default on my credit files, from HFO

 

I asked the credit file company CRA to remove, they said they cannot!

 

I requested a subject access request from HFO, they failed to reply within 40 days.

 

Now what can i do?

 

In the present mortgage enviroment this is stopping me from getting a mortgage, if I pay the alleged debt it will only be marked on my credit file as satisfied - so still will not be able to get a mortgage.

 

From reading other links I can complaint to information commisioner office, which will take 6 month PLUS. Is there any tempate letters? If so please give link or heading to search.

 

But what else can i do?

 

Thanks:-?

"Don't give in to astonishment", which is exactly what you want to do. You want to go nuts with how crazy this is! :-)

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f.in.debt

f.in.debt

Posted
  • Author
Posted

YES, checked with royal mail that the item has been recieved and even got 1 reply thanking me for the £10

"Don't give in to astonishment", which is exactly what you want to do. You want to go nuts with how crazy this is! :-)

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broken arrow

broken arrow

Posted
Posted

write back and tell them if they do not comply within 14 days you will write to the ICO.

can you say a little more about the debt and was it HFO Services you sent the SAR to.

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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f.in.debt

f.in.debt

Posted
  • Author
Posted

Hi

 

Yes sent SAR to HFO,

 

the debt

 

Hfo Services Ltd (I) defaut date 06/07/2005 amount £280, account type communications supplier.

 

The ICO c letter, will it six months to get a reply? (or there about)

 

Im after a mortgage ASAP.

 

Thanks

 

This is from the information thats on the credit file, the email from the CRA say its from 3 mobile.

 

But i still with 3 mobile and have a current and satisfied account.

"Don't give in to astonishment", which is exactly what you want to do. You want to go nuts with how crazy this is! :-)

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f.in.debt

f.in.debt

Posted
  • Author
Posted

Sent aquick email, giving an over view and the proceedures to correct.

 

 

Thanks

"Don't give in to astonishment", which is exactly what you want to do. You want to go nuts with how crazy this is! :-)

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Deb T

Deb T

Posted
Posted

If the debt exists or existed and has been recorded accordingly then a report to the ICO in respect of HFO not removing your details will most likely fail.

 

When you requested the SAR did you mark that the payment of £10 was specifically for the SAR's request and not payment on account etc?

 

Yes I would complaint to the ICO re the over 40 days limit and at the same time as this I would send a complaint to the Data Controller at HFO and enclose a copy of

your original request to them when doing so, it may just be that whoever opened your original request didn't action it in the way that it should

of been and as such the data controller didn't see the request.

 

If you are considering paying off the debt (negotiate with them for a settlement figure though ) you should try and make any settlement with HFO to include the

removal of the entry from your credit file and make sure that it is written in the settlement somewhere...you would need to be very specific on that part.

 

Please remember that if you do ask them for a settlement figure it could/would be seen as an acknowledgement of the debt so if at this point and pre your

sar request you are saying it's an alleged debt then proceed with caution.

 

As for a mortgage application failing on a credit entry on your file saying 'satisfied' I'm sure if you were to explain the circumstances or show the prospective

lender proof that you paid the debt off it would perhaps help them in reaching a decision, not all lenders will fail you on a 'satisfied' entry on your file and

some lenders may just increase the interest rate on your proposed mortgage agreement.

I reside in Dawlish Warren but am not a rabbit.

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  • 4 weeks later...
f.in.debt

f.in.debt

Posted
  • Author
Posted

Sent the email to the 3 executive as given, I got a phone call and a few emails from there office, requesting more info etc.

 

The end result - 3 have contacted hfO and requested they remove the entery of my credit file (this reply was in writting) Have not checked my files, but will soon.

 

 

Thanks

"Don't give in to astonishment", which is exactly what you want to do. You want to go nuts with how crazy this is! :-)

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  • 3 months later...
f.in.debt

f.in.debt

Posted
  • Author
Posted

Update,

 

I have in writing from 3 that no debt exists, they have asked HFO to remove the debt, HFO have refused!

 

I have now sent i compliant to the ICO,

 

We keep you informed of any progress

"Don't give in to astonishment", which is exactly what you want to do. You want to go nuts with how crazy this is! :-)

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Posted
Posted
Update,

 

I have in writing from 3 that no debt exists, they have asked HFO to remove the debt, HFO have refused!

 

I have now sent i compliant to the ICO,

 

We keep you informed of any progress

 

I would then report HFO to the OFT with your evidence.

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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f.in.debt

f.in.debt

Posted
  • Author
Posted

Thanks for the reply, sent the info to [email protected],

 

Below is a brief complaint about HFO

 

 

They have incorrectly registered

a default on my equifax credit report since 16-7-08 to present. I

have contacted the company (three mobile) they have alleged they

purchased the debt from, but they have stated in writing that no debt

exists. I have sent a subject access request to HFO 14-7-10 with a

postal order for £10, I received a reply requesting I fill there

application to process and acknowledging the receipt of the £10. I

completed the application and returned 2-8-10 (along with a copy of

my birth certificate). All letters have been sent recorded delivery.

Please see attached file with copies of post office receipts. Since I

have not received a reply from HFO. I have contacted the company

Three mobile to find out more information they requested the company

HFO to remove the default on my file. But they have refused.

 

 

 

They have change the default

address as I did not own the property I live at now ** ***** *******, *****

when the apparent account was default or date the account was opened,

as shown on my credit file. HFO has fabricated and data about me and

has made me unable to move house. The have ignored the duties and all

my rights.

"Don't give in to astonishment", which is exactly what you want to do. You want to go nuts with how crazy this is! :-)

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dadofholly

dadofholly

Posted
Posted
Thanks for the reply, sent the info to [email protected],

 

Below is a brief complaint about HFO

 

 

They have incorrectly registered

a default on my equifax credit report since 16-7-08 to present. I

have contacted the company (three mobile) they have alleged they

purchased the debt from, but they have stated in writing that no debt

exists. I have sent a subject access request to HFO 14-7-10 with a

postal order for £10, I received a reply requesting I fill there

application to process and acknowledging the receipt of the £10. I

completed the application and returned 2-8-10 (along with a copy of

my birth certificate). All letters have been sent recorded delivery.

Please see attached file with copies of post office receipts. Since I

have not received a reply from HFO. I have contacted the company

Three mobile to find out more information they requested the company

HFO to remove the default on my file. But they have refused.

 

 

 

They have change the default

address as I did not own the property I live at now ** ***** *******, *****

when the apparent account was default or date the account was opened,

as shown on my credit file. HFO has fabricated and data about me and

has made me unable to move house. The have ignored the duties and all

my rights.

 

make sure you report them to the Information Commissioner as well as the OFT.

 

They are defaming you - AND stopping you getting a mortgage - would also hit them with a court claim for damages.

 

There is a leaflet on the ICO site you can download about taking companies to court for breaches of the DPA.

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42man

42man

Posted
Posted

Why does it not surprise me that this is HFO....non compliance with a SAR, refusal to remove a default despite a request from an original client. I would be getting them in front of a judge for non compliance with a SAR, making the judge order disclosure, then I would be taking them to court for the non existent debt which they have defaulted against you and serious compensation (which you wouldn't have to prove) I think along with other recent cases against HFO, then the OFT are likely to take serious action here.

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f.in.debt

f.in.debt

Posted
  • Author
Posted

Yes sent a report/complaint to OC and OFT, the above is my overview i have sent about the problem along with all supporting documents to support the claim, to make a claim for damages will the OC or OFT dealwith this, or will i need to make a court claim?

 

Dose anybody know as a guide, how long the OFT and OC will take to process? As is a court claim would be better with there findings.

 

And any guidance / template letters to make a small claims for defaming?

 

Thanks

"Don't give in to astonishment", which is exactly what you want to do. You want to go nuts with how crazy this is! :-)

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