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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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O2 Contract Issues


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My wife has had a number of problems with O2 and has sent the following e-mail to them:

 

DearSir / Madam

Itis with great regret that I have had to cancel a significantly long standingcontract with yourselves for the following reasons :-

1. Agreedcontract length not applied

2. Unauthorised removal of fees frommy bank account

3. General bad customer service

1. Agreed contract length not applied

Ioriginally negotiated an upgrade in February 2010 for a new contract with a newmobile phone handset with O2. The agreed contract was an 18 monthterm. At the end of the 18 months I requested an upgrade and wasdenied. At this point I was informed that my contract term was 24 months- this was a shock as this had never been agreed with myself. When Ichallenged this issue I was told that I had signed a contract for this upgradeand that the length of contract was clearly printed on my mobile phone billsthat I was sent each month as well as on the actual contract. This bringsme to two further issues. Firstly, I never received NOR signed for anycontract and then was subsequently told by O2 that I must it must havebeen what your customer services termed an “audio signature” - they themselvesseemed very unsure ! Irrespective, O2 has been unable to provide anyproof of contract - whether that be written or verbal - this is because no such24 month contract ever existed. Secondly, my bills are held online andthe debits taken automatically from my bank account. My paymentshave been pretty much as expected therefore there has been no call for me toreview my actual online bills. My call patterns have been consistent formany years. Any serious changes in billing would only have caused me toreview potential calls or charges made - not general billing information orterms & conditions. As you can appreciate, this is not a reasonableexpectation to have.

2. Unauthorised removal of monies from my bank account

Irecently spent some time travelling to various regions abroad which,unfortunately, were reported to be rife for bag and purse thefts. Toavoid any issues with stolen phones and the problems of loss of associatedphone data etc…, a basic handset was taken away. Upon our return, Ireturned the sim to my original handset. After leaving the house thatevening, I tripped on the doorstep and dropped my phone - it skidded under thecar that my husband was reversing as we were going out and he unfortunatelycaught the handset with the car breaking the screen. I rang in the incident thenext day as the phone could not be used and requested a screen replacement onthe insurance that I have been paying for for several years. Only to betold by a member of your customer services team that my handset insurance wasnot valid nor had it been since before the beginning of my current contract -that it had expired some considerable time ago and that there was nothing theycould do. After the initial shock of this had worn off, I rang back anddemanded that they either refund all my payments for the insurance as they werefully aware the insurance contract was not valid and yet had been takenpayments which, as per my solicitors advice, is basically unauthorised removalof monies from my bank account - or alternatively they could make sure that theinsurance contract was honoured. I was advised rather rapidly that thiswould be honoured as my payments for the insurance has continuously beenaccepted to-date. A day or so later I received a call from O2 insurancesaying that as I had removed the chip from the insured handset then it wasinvalidated. I pointed out that my insurance details did not contain thisclause from the set issued several years ago when the contract was initiallyset up and that no update had been sent since. O2 staff insisted that mysim chip was currently active in a Nokia handset. When I pointed out thatI did not own a Nokia handset nor had any member of my family for several yearsand also that the basic handset used abroad was actually another Sony Ericsonhandset, they refused to accept this and basically accused me of lying.

Ialso pointed out from my legal advisors that my insurance covered the handsetand not my sim card. As my O2 sim card was the insured handset at thetime of the accident then it more than fulfilled the terms and conditions ofthe insurance contract. O2 informed me that no further discussion wouldbe made regarding my insurance that they would cancel any further payments forthis being taken. As you can appreciated, this is by no means acceptable.

3. General bad customer services

Onone particular call discussing my contract length a member of customer servicesteam stated, as I quote … “we do not make mistakes madam …” which I find to beincredibly patronising and considering the above - fundamentally incorrect.

Evenafter paying to have the screen replaced myself, there were still other issueswith the phone caused by the accident that made the handset very difficult touse. I called customer services and tried to reopen the previousissues but they refused to do so and the response was to send a complaintin writing. I did - but no response has ever been received from O2.

Havingbeen saddled with either using a very basic handset without the functions I usedaily or alternatively using a malfunctioning handset, I rang to try to arrangean early update only to be told that I would have to pay £85.10 for theprivilege ! Again - not acceptable.

Basically,O2 appear to have done as much as they can to prevent having to take anyresponsibility for their actions which I find to be completelyunacceptable. I was paying for a service that I was just not getting andalso paying for a service that was not actually valid !

Thisappalling customer service was the final straw and I felt I was left with noother option but to leave O2 as all trust in your ability to deliver an adequateor even basic level of customer service had gone. As such, I have portedmy number from O2 to Vodafone. I was informed by O2 that I would have topay a fee of around £130 for cancelling my contract early, however, there wasno actual agreed contract in force at the time of my porting my mobile numberto another company, therefore, this cancellation fee is not valid nor legallyenforceable as no actual contract was in place at this tie. Indeed, O2have actually received additional incomes from myself beyond the end of myagreed 18 month contract.

Also,as I have been reliably informed by your own O2 customer services staff that myinsurance policy was expired and was not even valid prior to my even taking outthe last contract with you and that they could not work out exactly when itexpired, then I have to assume I have been charged for a non-existent policyfor quite some time. I would therefore like a refund. As O2 haveinformed me that the date is definitely some time considerably prior to my lastcontract being taken out then I will assume an insurance expiry date ofDecember 2008 which is roughly halfway through the previous contract. Therefore, a refund for the last 32 months worth of charges at £4.99 totals£159.68 PLUS vat. Obviously, I am happy for this to be recalculated oncea confirmed expiry date is given with documented proof from yourselves.

Aspreviously stated, legal advice has been taken on all aspects of these issuesand we are prepared to take the necessary legal proceedings to recoupunauthorised payments taken by O2.

Iwould very much appreciate your comments on the above and look forward tohearing your speedy resolutions to prevent further escalation of these matters.

If an appropriate and acceptable response is notreceived within 14 days then this will be followed with a formal ‘letter beforeaction’ as a prelude to the commencement of legal proceedings against O2.

As you can see she is very upset and prepared to do what it takes with O2 - I can't understand why they appear to have done everything possible to lose a customer who was with them for many years.

I would appreciate any advice on what our next steps should be in terms of getting what is due from O2.

Thanks in advance.

A n d r e w

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Hi Andrew,

 

Firstly, welcome to the Vodafone network - I trust that everything is running smoothly with us so far.

 

In regard to the concerns you've mentioned below there's naturally not a great deal I can do directly to assist you but I'm happy to provide as much advice as I can.

 

Further to the steps you've taken so far I'd recommend following matters up with them again and also state that you consider the account to be in dispute in order to provide the opportunity of having this logged on your account with them and as such have this reflected on your credit file as oppose to adverse information indicating late payment.

 

If you didn't previously I'd send your correspondence via recorded delivery and keep your reference slip safe just in case you need to refer to it at a later date.

 

Best wishes and let me know how you get on.

 

Lee

 

Web Relations Team

 

Vodafone UK

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Thanks for the comments and advice.

 

I will keep posted on what happens next - as yet we have had no reply from O2

 

Read this web page here and get your complaint escalated through their complaints procedure.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

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http://www.consumeractiongroup.co.uk/forum/showthread.php?320647-Harrassed-by-Capital-one-and-vodaphone

 

Have moved HarrassedbyCapitalOne's posts and the answer by locutus to a thread of its own. Linked above :

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  • 1 month later...

An Update ----

 

We heard nothing from O2 until this afternoon when a letter arrived from ‘Moorcroft Group plc’ stating the account has a balance of £144.31 and asking us to contact them. I have no problem with this letter as such – it is clear and business like – although I am livid with O2 who are acting in a very unprofessionl way in my view.

 

I plan to send the following letters to Moorcroft and O2 respectively and would appreciate any thoughts on their suitability and any changes that should be made. Also if anyone could point me in the direction of a ‘Letter Before Action’ which I can use to reclaim insurance payments for a service which O2 simply failed to deliver.

 

Thanks in advance for your help.

 

A n d r e w :evil:

 

Letter to Moorcroft

 

Moorcroft plc

Moorcroft House

PO Box No. 17

2 Spring Gardens

Stockport

SK1 4AJ

 

FAO A J Martin

 

Your Reference: 003285049989(D-PC123)

 

15th November 2011

 

Dear Sir,

 

I acknowledge receipt of your letter dated 12th November 2011 and am writing to inform you that this account is currently in dispute and that your client, Telefonica O2 (UK) Limited have failed to provide any information to substantiate their claim that any monies are currently owed to them.

 

I would also point out that under guidance published by the Office of Fair Trading “Debt Collection Guidance – Final guidance on unfair business practices” section 2.8k states that you should now cease to pursue this reasonably queried and disputed debt and that under section 2.6h that any further pursuance of this alleged debt will be considered harassment.

 

For the avoidance of doubt I am keen to resolve this matter but as yet O2 have not provided any proof that they are owed any money and a claim is currently being prepared against them for monies paid for insurance services not provided.

 

Yours faithfully,

 

 

Letter to O2

 

Telefonica O2 (UK) Limited

260 Bath Road,

Slough,

Berkshire

SL1 4DX

 

A C C O U N T I N D I S P U T E

 

15th November 2011

 

Ref:

Dear Sir / Madam

 

We have received a letter from your agents, Moorcroft Group plc, in pursuance of an alleged debt the contents of which have been noted. As this alleged debt is in dispute this is contra to guidance from the Office of Fair Trading and should not have been passed to your agents. Please note that other than an acknowledgment to your agent explaining that there is a dispute we will not be entering into any further correspondence with them.

 

Furthermore, you have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/78 by e-mail. A `’read receipt’ for this e-mail was received on the **DATE**. You have failed to comply with my request.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you/your client enters into a default situation. This limit has expired.

 

As you are no doubt aware section 78(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become currently unenforceable at law.

 

As you have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested. You will also be aware of the CPUTR 2008 and the OFT's guidelines on debt collection which state under the title Deceptive and/or unfair methods - Examples of unfair practices are as follows - 2.8

 

(i) - 'Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued'

 

(k) - 'Not ceasing collection activity whilst investigating a reasonable queried or disputed debt'

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment. This is in addition to action being taken to recover overpayments taken by yourselves with regard to insurance not provided.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit and also to pursue my own legal action to recover monies paid for insurance which was not provided.

 

You have 21 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I look forward to hearing from you. This should be in writing, I have no wish to correspond by telephone.

 

Yours faithfully

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The downside here is that mobile service is not "credit" so the consumer credit act does not come into play.

  • Confused 1

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

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Yeah, nothing worse than quoting the wrong regulations and them getting to reply a snotty letter stating "thats deosn't apply to us".

 

Apart from that the letter to morecroft looks good to go. Add to the o2 letter that you would like an update on how far they are with handling your complaint, and if they will issue a DEADLOCK letter.

 

 

Keep us updated, and let us know how they reply.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

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1. Letter to O2

Telefonica O2 (UK) Limited

260 Bath Road,

Slough,

Berkshire

SL1 4DX

 

A C C O U N T I N D I S P U T E

15th November 2011

 

Ref:

Dear Sir / Madam

 

We have received a letter from your agents, Moorcroft Group plc, in pursuanceof an alleged debt the contents of which have been noted. As this alleged debtis in dispute this is contra to guidance from the Office of Fair Trading andshould not have been passed to your agents. Please note that other than anacknowledgment to your agent explaining that there is a dispute we will not beentering into any further correspondence with them.

 

Furthermore, you have failed to respond to my formal request to supply me anyevidence that the contract was 24 months rather than the 18 months agreed toover the telephone. As a copy of thecontract was not provided in writing you are in breach of the ConsumerProtection (Distance Selling) Regulations 2000 as you failed to provide:

· clear information about the supplier,the goods or services and the sale before deciding to buy;

· confirmation of this information inwriting;

You will also be aware of the CPUTR 2008 and theOFT's guidelines on debt collection which state under the title Deceptiveand/or unfair methods - Examples of unfair practices are as follows - 2.8

 

(i) - 'Failing to investigate and/or provide details as appropriate, when adebt is queried or disputed, possibly resulting in debtors being wronglypursued'

 

(k) - 'Not ceasing collection activity whilst investigating a reasonablequeried or disputed debt'

Consequentially any legal action you pursue will be averred as both UNLAWFULand VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawfulharassment. This is in addition to action being taken to recover overpaymentstaken by you (totalling £159.68 plus VAT and interest) with regard to insurancenot provided.

 

I reserve the right to report your actions to any such regulatory authoritiesas I see fit and also to pursue my own legal action to recover monies paid forinsurance which was not provided.

 

You have 14 days from receiving this letter to contact me with your intentionsto resolve this matter which is now a formal complaint.

 

I look forward to hearing from you. This should be in writing, I have no wishto correspond by telephone.

 

Yours faithfully

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I look forward to hearing from you. This should be in writing, I have no wishto correspond by telephone.

 

You could add on to the final sentence above..... This is to avoid any misunderstanding or misinterpretation"

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  • 1 year later...

An update - this is still going on.

 

We have not yet taken them to court due to other time pressures.

 

They have now apparently sold the alleged debt - can they do this when it is under dispute?

 

For reference they have still to provide any evidence to support their claim - even when a SAR was eventually returned.

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As this remains unresolved I think it's now time to refer matters to their Ombudsman so that they can be reviewed on an independent basis.

Also, check your credit file and if they've record a default I'd contact the CRA's to add a Notice of Correction to explain that the account is subject to a dispute.

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  • 3 months later...

Well the alleged debt has been sold to another company Lowell Financial who have been in touch yet no-one has still demonstrated that any debt exists.

 

Is it the Financial Services Ombudsman we need to complain to?

 

Thanks again for everyone's help

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