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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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I got a, 'This is Fredrickson International Limited calling on behalf of Orange'....worried :(


vinokirk
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Hello everyone,

Last Wednesday I was at work when the phone rang, my collegue answered and they asked if 'Mr John Smith' works here, he said yes just a minute I'll put him on, so I took the phone and they asked if I was 'John Smith', I answered yes whose this, they said they needed some security information from me before they continued. I refused and asked them who they were and why were they calling. They tole me they were Fredrickson International calling on behalf of Arrow Global and Orange, I advised them I'm not giving out personal info over the phone and she said, I'm terminating the call and hung up.

I was extremely puzzled by this call, but couldnt for the life remember the name of the company she told me when i got back home. Anyway, I got a letter from them today :

We are attempting to contact the above name person....etc etc....If you are the abvove named person please contact us on 0845xxxxx....If however you are not the person named above, please accept our apologies for this contact. If you are able to supply us with info....etc etc... please tell us.

I quickly searched and found out they are a debt collection agency.

I did have an Orange phone account in 2008 but I cant remember ever owing them any money!

Ive read some stories about them on here. The thing I'm most worried about is how they got my work number, and now they have confirmed I work there on that number, they will ring all the time. I work on security so the number is constantly in use with people ringing and is also used in site emergencys (on a power station the emergencys could possibly be very large scale). I do not want them ringing asking for me all the time, the company who owns the plant will not like that at all.

I've read on here that I should not speak to them by phone at all and any letter I send to them I should not sign. Is this sound advice in my situation?

If anyone could give any help, it would be much appreciated.

Regards

vinokirk

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Hi vinokink

 

I send this the OC

 

" You have telephoned me at work in a manner that appears to breach Office of Fair Trading and other regulatory bodies’ guidelines. I have verbally requested that you cease this breach; I reiterate that now. Your telephone calls have the effect of psychological harassment and act in a way that is likely to be publically embarrassing to me. Your telephone calls may jeopardise my continued employment and result in significant financial loss.

 

Should you choose to continue to breach regulatory guidelines and UK and EU law by telephoning me at work I will report your activities to the Office of Fair Trading and the Financial Ombudsmen Service and other relevant agencies.

 

I have made an initial report today to Consumer Direct regarding your activities (Ref no: WMxxx) who have advised me to request a reply from you within fourteen working days prior to contacting them again to escalate this complaint.

 

Meanwhile I should be grateful if you would send me a copy of your complaints procedure.

You have telephoned me at work in a manner that appears to breach Office of Fair Trading and other regulatory bodies’ guidelines. I have verbally requested that you cease this breach; I reiterate that now. Your telephone calls have the effect of psychological harassment and act in a way that is likely to be publically embarrassing to me. Your telephone calls may jeopardise my continued employment and result in significant financial loss.

 

Should you choose to continue to breach regulatory guidelines and UK and EU law by telephoning me at work I will report your activities to the Office of Fair Trading and the Financial Ombudsmen Service and other relevant agencies.

 

I have made an initial report today to Consumer Direct regarding your activities (Ref no: WMxxx) who have advised me to request a reply from you within fourteen working days prior to contacting them again to escalate this complaint.

 

Meanwhile I should be grateful if you would send me a copy of your complaints procedure."

 

 

love vic

Edited by victoria_siempre
repetitive strain injury
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Just a warning to all Caggers, but they have used a pretty obviously searchable username ... which not only takes you to a Youtube Rebel Sim card website (it's listed as being a [problem] on many websites as it involves unlocking contract phones) and then there's this ...

 

Welcome to the Security Exchange Information Security Forum...... Ask Computer Questions -> you receive FAST & PROFESSIONAL help! Cannot post the link, but you will find it. It's a new website, with very few members, possibly harvesting IPs if you visit it or go to look at the page. Either way, I think you should all treat it with caution. Up to you but you search the name online this is what you will find connected to it. Along with a lot of other pastebin stuff which looks an awful lot like hacker code, when read.

 

A hackers forum. As they haven't replied to any posts thus far, and appears to be another one time poster ... I would really, seriously be careful about responding to them. Google, you will find out what I mean. Unless it's some kind of elaborate 'spam' advertising their services.

 

I'd really be very careful considering where and what this username is connected to.

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Just a warning to all Caggers, but they have used a pretty obviously searchable username ... which not only takes you to a Youtube Rebel Sim card website (it's listed as being a [problem] on many websites as it involves unlocking contract phones) and then there's this ...

 

Welcome to the Security Exchange Information Security Forum...... Ask Computer Questions -> you receive FAST & PROFESSIONAL help! Cannot post the link, but you will find it. It's a new website, with very few members, possibly harvesting IPs if you visit it or go to look at the page. Either way, I think you should all treat it with caution. Up to you but you search the name online this is what you will find connected to it. Along with a lot of other pastebin stuff which looks an awful lot like hacker code, when read.

 

A hackers forum. As they haven't replied to any posts thus far, and appears to be another one time poster ... I would really, seriously be careful about responding to them. Google, you will find out what I mean. Unless it's some kind of elaborate 'spam' advertising their services.

 

I'd really be very careful considering where and what this username is connected to.

 

Sorry to sound DIM, but what the heck are you talking about

  • Haha 1
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Sorry to sound DIM, but what the heck are you talking about

PGH7447, it does sound a little strange that eveninthequietestmoments is talking about me in the third person. They are refering to searching my username 'vinokirk' in Google.

Perhaps eveninthequietestmoments thinks I'm a spammer:

As they haven't replied to any posts thus far, and appears to be another one time poster ... I would really, seriously be careful about responding to them. Google, you will find out what I mean. Unless it's some kind of elaborate 'spam' advertising their services.

What spam could I possibly be advertising given on what I've said in my original post?

If I'm wrong eveninthequietestmoment then please accept my sincere apologies.

As I have said I've used this username for well over a decade. You have chosen two forums I'm on that deal with 'hacking', but you'll also find me on the Lexus Owners club forum, Modaco.com, xda-developers.com and more than likely about 50 more forums I've been on in my 12 years of using the username 'vinokirk'.

I assure you I'm not a spammer and my query given in the original post is true and valid. I could even do you a video on my youtube page showing the letter and my face to prove just how sincere I am.

I have never had to do this when joining a forum before but if I need to I will.

Meanwhile on the other side of the table....

Many thanks to victoria_siempre and PGH7447 for your advice. I will wait too see if I hear anything more from them (which unboubtdly I wil :( ), and then I'll start to put everything I've learnt on here into action :)

If anyone has any more advice I would be most grateful :D

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Just googled mine aswell! Seems I ma quite prolific on the 'whocallsme' website, aswell as CAG for some reason??

Anyway :focus:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi vinokirk

 

Back to topic indeed: I always assume 'in vino veritas'; and I can't afford Spam, it's simple luncheon meat or polony for me.

 

Telephone harassment: I complain to the OC about the harassment activity of their 'agents' as per above post and then complain, as per previous post, to FOS and OFT by dissecting their reply.

 

They won't ever stop them harassing; this is their collection and enforcement business model: but I can harass back. their harassment model is profit driven. Once you don't produce profit, they'll move on. Collectively, we need to fight all this to close this down permanently.

 

Onwards and upwards.

 

Love

 

vic

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Vic,

I know it's slightly off subject again, but have you read the thread I mentioned. I know it's quite old, in fact pm'd the OP last night to see whether it's still working for him, but I found it interesting and potentially useful fight back information.

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OK, recived another letter today asking for £148.74 on behalf of their client 'Arrow Global Guernsey Limited'.

They say:

'You have failed to pay the balance of £148.74 which remains outstanding despite previous repeated requests for payment.'

I have no idea who these people are, and I have never had any requests for payment from anyone!

Did I see a letter somewhere on this site to send them, asking for proof of debt?

 

When sending them a letter do I put on it, with regards to: address, name, signiture?

Edited by vinokirk
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This is the letter, if you want to start a game of letter tennis;

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

It's a miserly amount and personally I would ignore it, forget about it, and file it away, What do they think they are going to be able to do for that pocket money amount?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Ok, I've now got a 'Letter before action' letter.

They're adding £65 court and solicitor fees if proceedings are issued.

Does it usually get this far and then they drop it?

A mate of mine said he saw a program where a lady owed Orange £30 and she didnt pay and now she cant get credit or a morgatge anywhere. He said its something about the fine print of a mobile phone contract.

This business is the first time ive heard about this debt to Arrow Global Duernsey Ltd. They havent showed me any proof of debt. Could it be a [problem]?

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Can't you phone Orange and ask them if your due them anything, then get them to send you proof.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

Ok, I have since recived two more letters since the last one that said 'We will take action within the next 7 days'. One with a payment card asking me to pay. The next one was from a different firm - Brian Carter Solicitors.

Should I still ignore them?

If i send them a letter asking them to prove the debt ive read that i shouldnt sign it and should send it by recorded delivery. Do i put my address and name on it? Or just the ref no?

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Be very wary with BC. He will take legal action easily (but normally back down fairly easily when challenged), and gets a lot of judgments by default. Whether you should ignore it depends on what exactly the letter says. If it is clear he is intending to take legal action, he will. If it's a we may/could/might if you don't x,,y or z then ignore it. Perhaps the best thing would be to post it up deleting all personal details and reference numbers.

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Here is the letter

-------------------------------

Dear Mr Smith

We write with regard to this outstanding debt.

Payment must be made in full within 14 days, failing which we will reccomend to our client that proceedings be issued without further notice.

Should proceedings be issued, additional charges will be added to the existing balance as shown below:

[/i]

Before the account is refered to us to litigate you still have an oppurtunity to contact fredrickson intl with your payment proposals. Call them on 0845.....

This is a serious matter and you may wish to seek independant legal advice.

---------------------------------

 

The original debt is for £150, and with these additional charges it comes to £215

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vinokirk,

 

Apologies haven't read all this thread. Could you very briefly tell me what you've done so far and when? -eg- Prove It letter sent to AGGlLdd/mm/yyyy, NOA requested......, SAR sent.... etc..... I have to say it reads more like a threat to me, but I'd be happier knowing a fuller picture. Sorry to be a pain!

Tingy

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That's good - you can at least buy yourself some time hopefully. I would now write to Fredericksons with the letter below. I have intentionally given them a long time in which to reply as you do not want them treating things urgently, and by giving 28 days, it takes it beyond their 14 day deadline followed by court action and gives you the control back. If they do take any action, you have put in a perfectly reasonable request asking them to prove you owe the money, so you just point that out and they should back down.

 

Hope thhis helps,

 

Tingy

 

Dear Sir/Madam.

 

Your ref: xyz123

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to Frederickson International Ltd. Indeed up until the recent correspondence I had never even heard of you, hence my ignoring your letters. I assumed some sort of mistake had been made.

 

I am/we are familiar with the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR 2008) and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would also remind you, that I/we are aware of the 'MALG' Guidance/Code that you should comply with.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation within 28 days of the date of this letter that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

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