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    • Government launches call for evidence on video game loot boxes     READ MORE HERE: https://www.gov.uk/government/news/government-launches-call-for-evidence-on-video-game-loot-boxes
    • They can still write to you after the 14 day limit but they can only pursue the driver as they have lost the ability to chase the keeper. I hope that you have not divulged who was driving. Never talk to these guys on the phone. They lie and harass as well as taping conversations. Only write and do not appeal as they never agree that the motorist is right. Please reply to the questions on post 2 so we can give you the best advice to avoid paying these crooks.
    • Hi   I think you also need to send this company a Subject Access Request (SAR) simply asking for 'ALL DATA' that simple phrase covers whichever format they hold it in whether it be written, email phone recording etc.   They then have 30 Calendar day to respond only once they have acknowledged receipt of your SAR request. note a SAR if now Free   As for them stating they don't have to stop processing your data they need to comply with the General Data Protection Regulations 2018 (GDPR) which is now part of Data Protection Act 2018 (DPA)   This link breaks down the GDPR so its easier to understand your rights:  https://www.privacy-regulation.eu/en/index.htm    
    • There is so much wrong with their WS.   You stopped for a very short time yet she seems to equate that as being parked! That flies in the face of what parking means.   There have been several cases in Court where Judges have defined the meaning of parked. Not one of them describes it as stopping for a few minutes with the engine running and the driver remaining in the vehicle. And why on earth is POFA being included on s28? The airport comes under Byelaws and that land is specifically not covered by POFA.   Then on s30 she cites Parking Eye v Beavis talking about establishing a contract between the parking company and the motorist to park!   then from s33 to s40 they are trying to bamboozle the Court by trying to minimise the effect of the Byelaws. It is the borough of Southend on Sea that decides the rules there- https://d1z15fh6odiy9s.cloudfront.net/files/sen-byelaws-1983-297c76b8.   S12 and s13 confirm that the signs erected by the Council are the ones to be observed.   You can also use the Forum search box and cases that have been won against VCS above.   s46 The claimant submits the signs are not prohibitive!    The dictionary description of" Prohibitive"- (of a law or rule) forbidding or restricting something.  If it looks like a duck and walks like a duck...Is she dumb or what. s47 Further misdirection-this is nothing to do with parking s48 refers to the" lawful occupier" not the landowner which is Southend Council.  I end up going back to s5 which gives the impression that VCS complies totally with their Code of Practice and therefore you, the motorist must be guilty. yet Time and time again VCS loses in Court because they have not complied with their CoP.   The Parking Prankster indicates some of them.  http://parking-prankster.blogspot.com/2017/02/   and in the case below they took someone to Court knowing that they did not have the right to take this person to Court at all. http://nebula.wsimg.com/e3da92cb966c72de63ec1f98605c2954?AccessKeyId=4CB8F2392A09CF228A46&disposition=0&alloworigin=1   VCS v Ms O C8DP9D8C Birmingham 1/8/2017 this was taking a motorist to Court  when the contract for the car park was down to Excel. VCS have lost many cases in Court knowing that they did not have the right to sue as there was no contract between them and motorists-total breach of their CoP and should have put their ability to access motorists data  were it not for the weakness of DVLA and the IPC. VCS v Ms M. 3QZ53955 25/01/2016 Claim discontinued. Costs awarded to motorist. as above-masquerading as Excel yet again.
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    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
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Egg Card and Egg Loan - Loan now under CO, Card total silence


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Hi, just posting about the last "difficult" creditor I have. I had a massive paycut, followed by a year of ZERO income, which is how I got into this situation. (Full detail on Intelligent Finance thread)

 

Long story short I wrote to both in Dec 09 with full I&E and offering £1 until I returned to employment. Neither really responded other than with a DN followed by CCJ from Egg Loan in short space of time, and a second DN (!) from Egg Card. (They defaulted me sometime in 2009 already.) At least that stopped the fees+interest.

 

Both are in five figures. I think these are now with totally different companies in effect, as these bits of Egg bought by different people during the Crunch?

 

Egg Loan have now obtained a Charging Order and immediately accepted £10 per month over the phone the following week. I'd been offering them that for over two years, including post CCJ, so I can only assume they need to waste their money taking me to court for accounting reasons.

 

Egg Card have been totally quiet since the DN. It hasn't been chased by anybody. Around April I phoned to see what was happening and the guy on the phone did a lot of muttering of "what... who... who did that... doesn't make any sense..." when looking at the notes and promised to get back to me. Never did.

 

I am now employed again at under half of my former income, but still have the same massive mortgage AND a years' arrears on it to clear, so there's nothing in the pot for unsecured. We're living to a budget that is slightly under CCCS's figures and doing OK, and as above has been in front of a court.

 

I don't know whether to approach Egg Card or not - what are the consequences if I don't do anything? If I do approach them will I just end up with another set of court proceedings almost immediately when they realise they've dropped the ball? On the other hand I don't want to be straight with the other creditors in 5 years' time, and then find I have to start all over again with someone that has bought an old debt.

 

I should add there is PPI on some of the balance. I made a complaint about it which they declined almost immediately, and the letter was very much of a tone of "you can't prove it" - but that was followed a month later by the letter that went out to LOTS of people about PPI asking me to claim. I did a lot of silly things with money when I had it, but I certainly was never daft enough to sign up to PPI, so I'm certain I have a case. When I phoned about the letter the regulator made them issue I was given a lot of hoo-hah about not being able to sort it until my arrears were cleared, and then crisis mode took over and I parked it until I saw some pursuit of a final defaulted balance. (Which I never have, so far!)

 

Do I have a problem if I've complained about it once and not pursued their nonsense "final reply" in any way? Any limitations on complaining "again" - although this time it would be coming off the balance rather than being given to me in cash.

 

Suggestions please... but not urgent because I'm paying the tenner on the loan OK and as I say there is NO collection activity on the card.

 

And finally - would a SAR force them to release the call centre notes on my account to me? Whatever he was reading sounded fascinating...

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