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    • Wayne Ting, chief executive of e-scooter firm Lime, says there's room for improvement. View the full article
    • If you are absolutely certain* that you were parked OK, write a letter of complaint to the Headteacher and copy in the Chair of the school governors.   If you or the car were identifiable in any way from the photo (eg visible registration number, driver's face etc) I would very politely write that you resent the untrue suggestion that you had parked/had stopped/were waiting in a way that contravened any traffic regulations, and that you are sure that the school will understand that you would like an apology and a correction to be printed in the next newsletter.  (You can also clearly state that you were identifiable from the photo because other parents have mentioned it to you).   See if that works.   You don't want to go to court for defamation as you'll need access to about £10k in fees before you get out of bed.  You just want an apology and a correction.  If what you've told us is accurate, I don't see any reasonable school failing to say sorry.     *My wife is a former school governor and my experience listening to her is that very very few parents actually understand the meaning of the no stopping/no waiting signs and road markings outside schools.  Don't complain unless you are sure you weren't stopped where you shouldn't have been.
    • And they haven't offered a speed awareness course either?  (Have you done one in the last three years or is this in Scotland?)   And is one of the notices for 34 in a 30?  As Man in the Middle says, that ought to be below the level at which they take action.   (And sorry - I don't want to appear preachy - but...  there don't have to be any warnings or signs or lines on the road to advise you of the presence of speed cameras.  If you get away with an exceptional hardship argument you will need to stick to speed limits in future - whether you know there are cameras there or not.  NB Don't know if this applies to you, but most 30 mph limits are restricted roads with a system of streetlighting and don't even need speed limit signs - you are assumed to know this from the Highway Code).
    • It's up to you if you want to pay £300 you don't owe plus whatever Unicorn Food Tax with no basis in law whatsoever that they will have made up in the Letter Before Claim.   We'd prefer you didn't.   But you have received a LBC so it's make your mind up time.   So please    - post up photos of the signage in the dark that you'll have taken two months ago (post 14)    - post up details of planning permission for their signs you'll have found out after you got onto the council, again two months ago (again post 14)    - also let us know if you agree with Brassnecked's excellent letter or if you'd like to tweak bits depending on what you've found out    - upload the LBC.  Some of them are appallingly drafted and invariably contain Unicorn Food Tax which is all useful extra ammo    - also, where are you living now (post 35) and are you comfortable with legal communications arriving at your parents'?   If you look in our PPC Successes thread at the top of the page, you will see 275 times these cheats have been seen off with their tails between their legs (and all had the same "well known legal companies" (ho! ho!) on hand).  In reality 275 times is a massive underestimate, in all 275 cases there was a "moment of victory" IYSWIM where the PPC were thrashed in court or discontinued a claim or were called off by a supermarket chain, etc., etc.  There will have been at least that number again where they were told to Foxtrot Oscar and then crawled back under their stone.  They are eminently beatable but logically when you're in legal dispute you have to put some graft in to beat the other party.
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Just have to play the waiting game, like me.

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This needs more complaining! They have stated they will not respond to a legitimate CCA request; they have not responded; you have put the account in dispute. Is that right?

 

Time to up the ante on these muppets. I would write and summarise what you have done and what they have said, and demand either (a) they comply with the legitimate CCA request, or (b) return the £1 and do not ever contact us again, as you assume the case is closed.

 

Go on the attack!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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This needs more complaining! They have stated they will not respond to a legitimate CCA request; they have not responded; you have put the account in dispute. Is that right?

 

Time to up the ante on these muppets. I would write and summarise what you have done and what they have said, and demand either (a) they comply with the legitimate CCA request, or (b) return the £1 and do not ever contact us again, as you assume the case is closed.

 

Go on the attack!

 

Good idea donkey,anything is better than beig a sitting duck (or chicken).

 

Yes i have sent the account in the dispute letter.

 

They say the best form of defence is attack.:-)

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Umm Might do the same thing then. Or maybe wait for the SAR info?

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Umm Might do the same thing then. Or maybe wait for the SAR info?

 

I'll mull this over,i would like to see who the dept was assigned to,Capitol or services could be interesting.

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It’s always good to be proactive. If these cases get to court, then it looks very positive for you when you try and sort things but they don’t respond or simply become abusive.

 

In pt2537’s thread about litigation and pre-litigation (it’s a sticky), he lays out lots of excellent tactics for a bit of legal oneupmanship.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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It’s always good to be proactive. If these cases get to court, then it looks very positive for you when you try and sort things but they don’t respond or simply become abusive.

 

In pt2537’s thread about litigation and pre-litigation (it’s a sticky), he lays out lots of excellent tactics for a bit of legal oneupmanship.

 

I'll go take a look,thanks donkey.

I would rather be doing something,they had a really bad affect on my chick.

And as you say it will put chick in a better light come litigation,if and when that happens.

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  • 1 month later...

Any update on this BSJ? I have had an reconstituted agreement and totally incomplete SAR fom Citi but thought I would check on you.

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Thanks Coledog,Nothing back as yet,HFO have stopped calling,no more love letters from them.

 

No Agreement,no reply to the SAR from CITI as yet perhaps they can't make up their minds what to include in it.

When i get it,i expect to be incomplete as i have the original default notice from them and it's laughable let alone dodgy.

I sent the harassment letter and the account in dispute to HFO and all went quiet.

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I would chase up the SAR request if nothing received in the 40 days since posting.

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Bart’s here, so he’ll probably chase up the CCA request for you. Personally.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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  • 2 months later...

Just an update,sorry i have'nt posted any updates but did'nt have any news.sent HFO the account in dispute letter in Dec last year.To day i received the CCA it's basically pages of nonsense.It's a recontructed one.

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Hello again

 

I got an recon also and have just ignored it, you can write back and say it is not the executable credit agreement, you asked for and ask them to confirm that they actually have one, which they will not.

 

Have Citi sent anything? It is important to find out the last payment date, also who this was sold to exactly and when.

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Citi have been a real pain over the sar i have written 3 times now and they keep sending my postal order back because i won't supply a sig to them.

 

My chick won't agree to sign anything to them,so i'm at a stalemate with them.

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Well, why not sign something in a slightly different signature and keep a copy of exactly what you sent? If it magically ‘appears’ on a document, you will have all the proof of naughtiness you need.

 

It isn’t required, but get this sorted – getting the information is more important than the technicalities of their needing/not needing a signature.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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you must get that SAR sent

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Thank you for the template coledog,i have printed it off and posted to Citi.

 

Now just have to wait for the Sar,hopefully this time they will provide it.

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Good! HFO seem to attacking people on all fronts at the moment, so as much amunition as you can get, the better.

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  • 3 months later...

The're back......another 72 hour litigation threat accompanied with hmcs Ex326 I cannot pay my judgement threat letter.

 

They have almost doubled charges on the balance,it becomes SB'd in sept of this year.

 

I thought their silence was too good to be true.

 

This time the letter has gone to chicks address.

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Did you ever get a response to the SAR? Did you write as advised to state that the account remained in dispute?

 

Can you post the recon CCA they sent? I think I know why it may be deficient, but others need to see it.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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