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    • Hello all, I would appreciate some advice regarding a recent incident with Rossendales.   Brief background is I bought my current house in 2016 from my mum who inherited it when my Gran died. When my Gran was alive, my sister sometimes stayed there and used her address for various things including driving licence, bank accounts, work documentation and credit. She hasn't lived there since I bought it. The story behind this debt is that apparently my sister parked at my Mum's house in Bury without a valid residential parking permit. She had contacted the council and they apparently had waived the fine before this visit.   In June, me and my girlfriend were woken up at 07:20 by loud knocking. At the door were two Rossendales enforcement agents asking for my sister. I told them she didn't live there asked what the matter was about and they said they couldn't tell me and I needed to show proof of residency which I refused to do without seeing any documents compelling me legally to do so. They proceeded to clamp my car.   I brought them the only evidence I had which was a V5 document. The car is on finance so technically, the finance company owns the car. In the subsequent audio recordings of the phone call, it emerges that they knew the car was on finance. They also asked if my car was a white Ford Fiesta (which is my sister's car) and asked if she was insured on it (she never has been and has never driven that car). I feel like they have attempted to blackmail me into giving them my sister's contact details when it was absolutely nothing to do with me. Admittedly, I probably reacted badly but being woken up before I normally get up by loud banging which terrified my girlfriend didn't give me a good start to my day. They refused to show me any ID or a court order, presumably because they didn't have one. I was told by their complaints handler that they use various methods of tracing people, including credit searches.   I have retrieved the video and audio of that day through DSAR. The video is here and audio recordings of phone calls are here.   They eventually took the clamp off after a couple of hours, citing the fact that the car was on finance. I didn't miss work because of it but I was several hours late.   Additionally, they missed the ICO guidelines for the DSAR and were two weeks submitting the video files.   Is there anything I can do regarding legal action here? I've complained to the leader of Bury Council who has dismissed it without looking at the evidence or listening to the audio.      
    • https://www.financial-ombudsman.org.uk/files/2868/issue117.pdf   Albeit from 2014, p.24 There the FOS insisted the creditor reset the default date to earlier (3 months after the payments stopped, but that was only because there was an agreement with the debtor to have a 3 months ‘payment holiday’)
    • In the first place it must have been over the phone. Could have been by email but cannot remember to tell the truth. I would have sent them an I&E so now I'm wondering if it was by email.I will take a look but might take a time scrolling mails from over 3 years ago 🧐
    • Dear Sir, no payment was made after May 2013, and potentially the last payment was even before this (your client could only examine their records back to May 2013 when they were contacted, and there was no payment showing)   Your client is not permitted to unreasonably delay issuing a default notice, and certainly not with the effect of later attempting to “get around” the statute bar. This will be drawn to the court’s attention should your client proceed with court action, as well as being reported to the FOS, so you may wish to highlight this to them and seek their further instruction.
    • Thanks Honeybee13. Here they are:   For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement .     8 / 08 / 2019   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] .    13 / 08 / 2019   3 Date received .  18 / 08 / 2019   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]   Not obviously but does a section of data processing for getting the detail of my car   5 Is there any photographic evidence of the event?  Yes   6 Have you appealed? [Y/N?] post up your appeal] .   Yes   Dear Sir / Madam,   I have just received my parking charge notice (PCN) for stopping at London Southend Airport on 8/8/2019. I understand that stopping on the road is forbidden. However, the reason I  stopped on the spot was to ask a traffic warden where I could park my car temporarily as I was going to pick up my family (it's my first time to London Southend Airport). The officer told me there was not a picking up place. He advised that I should park in short stay car park, which I did.   Considering the situation, could you revoke this PCN please?   Yours faithfully,   Have you had a response? [Y/N?] post it up .   Just automatic response saying a reply will be in 28 days   7 Who is the parking company?    Vehicle Control Services Limited   8. Where exactly [carpark name and town] . London Southend Airport, Essex SS2 6YF
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pinkrat

CSL sending all manner of threats on old Joint Bank Account debt

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Just reading this as I have numerous letters from CSL but have binned all envelopes, why is the suggestion to keep these as well? Thanks

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The envelopes will usually have no post mark but a bar code on them which shows when they were actually posted. They will also tell if the letters are sent 1st or 2nd class - and if someone like UK mail or TNT is used instead of Royal Mail - which menas a delay equivalent to 2nd class or longer - all useful if they claim anything is sent 1st class for "serving" purposes.

 

BD


£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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Hi everyone,

 

I know this is an old thread but i have an update that i need help with.

 

Over the years this debt has been passed to many debt collectors and solicitors.

 

We have never acknowledged any of the letters or that they have found the right man at my address.

 

Today a letter has arrived from bryan carter solicitors,

its not the first correspondence from them but this says that they have been asked by Frederick International ltd

on behalf of Lowell financial ltd to issue court proceedings on 17th march.

If proceedings are issued, ccj costs etc.

 

If we dispute debt please provide reasons and documents in writing.

 

Is this a serious threat that can no longer be ignored?

 

Also my partner has been with me nearly 4 years now and had not contacted anyone before that regarding this debt

so we believe it is either SB or very close.

 

This was a joint account bank charges debt i believe with his wife that originally turned up through my door in both their names.

 

How do we find out how old the debt is without contacting the collectors?

 

Thanks in advance for any help.

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Carter is known to issue claims as a threat and to withdraw when a defence is filed.

 

 

Dates and events please:

 

 

What is the debt/ original creditor/amount.

Is this on your credit files? If you haven't checked it would be a good idea to do so.

When was the last payment or written acknowledgment made?

Was this a current account, with or without an overdraft/ loan?

 

 

The problem could be that your partners ex has made some payment or acknowledgment to the debt in the last 6 years restating the limitation period.

 

 

From the information given so far:

 

 

Check Credit Reference Files Experian & Equifax have 30 day free trials, Noddle is a free offshoot of Call Credit but is not always up to date.

 

 

As this has been through so many hands I would suggest there is some thing wrong and this is why court action has not been taken.

 

 

So cover the points given above and send the following to Carter.

 

 

Brian Carter LLP

 

 

 

 

 

 

Date

 

 

Ref: use theirs

 

 

 

 

Sir/ Madam

 

 

I refer to your letter dated Xx/XX/XXXX in which it is I owe a debt for £xxxx.xx originating from an account with xxxxxx please take note I do not acknowledge any such debt to your client, also I have not received any notification that your client has any authority to pursue payment of the alleged debt.

 

 

Therefore I put Brian Carter LLP and its Client to provide unequivocal proof that I have any liability for the alleged debt.

 

 

Please be aware that any County Court Claim will be robustly defended.

 

 

Send by recorded/ signed for post check delivery.


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Thanks Brigadier, my partner has never acknowledged debt or made a payment.

 

He's never checked his credit file so will do that now.

 

The debt is for £1500 ish from a joint current account with lloyds.

 

He never had anything to do with the finances, she dealt with it all so he knows little of the account.

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OK the fact that he knew/knows nothing regarding the conduct of this account it is important to get as much information as possible.

 

 

I would suggest a Subject Access Request under the Data Protection Act 1998 (SAR). This will provide all the personal data the bank has on your partner and the account.

 

 

There is a £10 statutory fee to pay, there is a template for this in the CAG library the bank has 40 days to comply.

 

 

Get the letter off to Carter asap.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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ok ive done the credit file check and am a bit confused as to what it means. Can you help me with it?

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ok ive done the credit file check and am a bit confused as to what it means. Can you help me with it?

Yes of course please post the details here.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thankyou :)

 

On Credit agreement the debt is showed as been settled from lloyds july 2013,

 

i assume that is the debt company buying the debt?

 

There is a start date in 1996,

default date 2009,

so not SB

 

then an update of july 2013 on the lloyds debt.

 

Debtors have been chasing this debt at my address since 2011.

 

lowell portfolio ltd show the debt defaulted updated oct 2013.

 

On financial associates it lists his wife there along with lowell porfolio ltd updated oct 2013

 

What do all these updates mean?

 

Des it sound like wife has made contact?

 

It also shows a ccj that he didn't know about registered oct 2008

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well the CCJ will fall of on its 6th birthday so forget about that.

 

UNLESS it relates to theis debt

 

quite often later DCA's chase the same debt

without even knowing a prev one exists.

 

dx


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Yes the settled date is the date of the sale.

Default date in 2009 may not mean the debt is not SB.

 

 

He needs to check trust on line to see the data on the CCJ.


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Thanks dx, the ccj is a different deb

 

where do they get these update dates from, does that mean a contact has been made?

 

Do you still think its best to contact the debt company now?

 

Now we have seen the debt is a default on credit report ignoring will not make it come off. How do i now find out if it is SB?

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Hi DX and others,

 

I'm still struggling as to what to do for the best with this one.

 

This is my partners debt and i really don't want it to go to court and get a ccj.

 

Do the update dates on a credit report mean there has been contact on a debt

and reset the the debt from being SB?

 

Should we contact the debt company and make an offer to pay instalments?

 

We only have until 17th of this month before the threat of a court date.

 

This is a joint debt with his wife and it shows her with the debt on his financial associates.

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no they don't change the SB date

 

no let them run

 

forget the silly threats dates

you need to send that SAR

 

dx


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Who do i send the sar too, the original company or the debt company? Sorry if i am being dumb :???:

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LLOyds - sar always goes to the ORIGINAL CREDITOR..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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ok i've sent the sar, what do i do with the information when we get it back?

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