Jump to content


  • Tweets

  • Posts

    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

O2 - Placed an account in default without any notice


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4525 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi everyone,

 

please bear with me on this one, I will try explain what is going on as best I can.

 

I recently attempted to buy my daughter a new phone on contract, I was rejected because of something on my credit file.

 

On futher investigation and sihning up to creditexpert and viewing my credit file, it would appear O2 logged a default against me in September for the sum of £10.21.

 

Now, I cancel my phone contract with them in March of this year and moved over to pay as go, settling my bill for around £78 in the process, i was given a PAC number and away I went.

 

I spoke to customer services last week with regards this default, explaining I wasnt made aware of any addition charges that might be levied against my account, nor have O2 over the last 7 months made any effort to contact me via phone, email or letter. The representative looked into my account and said he couldnt see anything stating that I would have to make a further payment, and subsequently credit my account for the outstanding amount and apologised for the misunderstanding. He said I should email their credit refferals team and explain all this and ask them to remove any information from my credit files.

 

I have had email back this evening from them; please see below

 

Dear Andrew

Thanks for your email.

I’m sorry we’ve added a default to your credit file for a bill you were unaware of. I appreciate how frustrating this is.

There has been a credit of £10.21 added to make the final bill a zero balance. The £10.21 was a charge for your line rental until your number was moved to pay as you go on 11 March 2011.

Due to the time that’s passed since your number moved I’m not able to listen to the cancellation call however the notes do show that your final bill was explained to you. Around 14 days after your account is closed there is a final bill generated. This final bill is due to be paid 14 days after that. Since this payment wasn’t made within this time this is the reason a default is added to your credit file.

I can’t change your credit file because this has to show an accurate account of the payment history on your account. I understand the advisor said o2 had made an error however this isn’t the case. All of your o2 bills are shown online for you to check.

If you’ve got any questions, please let me know.

Kind regards

Telefónica UK Limited

Complaint Review Service - Glasgow

I would like some help and advice please on how to get this resolved asap, as this is having a serious detremental effect on my credit history / file.

Surely I am right in thinking they have a duty and obligation in trying to get some kind of remedy before filing a default, otherwise, how am I supposed to pay a final bill if I am not aware of.

your thoughts and help would be most welcome

Andy

Link to post
Share on other sites

Hi

Sorry you were missed.

 

This is totally ridiculous. A default for such a petty amount and then they say they have to show an accurate record. How many times have they got it wrong (rhetorical question)

 

As they have now refused to remove the default, you have the right of complaint and if they reject your compaint to take it further.

 

Why not try the boss instead?

[email protected]

 

 

 

 

I would contact the Information Commissioner to get a bit more advice although they are a bit slow at replying by email.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

This is my reply to response; peoples thoughts would be welcome please

 

Dear Laura,

Many thanks for your reply to my email.

Please may I point out that I was never in fact told that there would be a further charge added to my account. If I had been aware of this, then it would have been paid in full. This was the reason my account was credit for the sum of £10.21p.

If I had indeed still owed this final payment, then why hasn’t O2 been in contact via email, phone or letter making me aware of this fact. There has been no attempt from O2 to recover this so called outstanding debt. Which in effect hasn’t given me the right full opportunity to settle this bill accordingly.

I would like to see copies of all correspondence sent by O2 in relationship to this final bill, if this cannot be provided then I expect the removal of the default from my credit files logged at the relevant agencies.

Please be advised that if I reserve the right to follow this up with the legal action where necessary and also make a formal complaint to the information commissioner’s office and seek compensation.

Yours faithfully

Andrew Ford

Link to post
Share on other sites

Good luck Andrew, I hope this gets sorted for you. I too am in a similar situation to you. I cancelled my contract with Vodaphone back in April and moved house a couple of weeks later. I had my mail redirected for 1 month and received no correspondence at all from Vodafone.

 

I happened to join Experian last month and saw that I had missed payments to vodafone. I phoned them and was told I owed £13.05 which I immediately paid. Yet one week later they still issued a default against me!! Im absolutely furious.:evil:

 

All the staff ive spoken to at vodafone have all said it must be an error, it shouldnt be there etc yet their quality assurance team which conveniently I cannot directly access, point blank refuse to remove it!! And suprise, suprise apparently they are the only ones with the power to do so!!

 

Ive now emailed a complaint and am awaiting their response.

 

Its ridiculous how these companies can issue defaults for such tiny amounts!!! Its perfectly obvious that we didnt know we owed the money because why on earth would we risk getting a default for these petty amounts??

 

Like you vodafone has made no attempt to contact me, in fact because I hadnt paid within 28 days they immediately referred the matter to a debt collection agency!! Yet I paid the final bill to vodaphone themselves so I have no idea whats going on really.

 

Keep us updated and good luck

Link to post
Share on other sites

this is the reply I got back from them, this doing my head in now. As far as I was concerned, my account was closed so why would i then check my online account details. Am i now right in thinking that they should at least follow some kind of protocol in trying to get a debt settled, not just leaving it and then placing a default on my credit file arhhhhhhhhhhh.

 

 

 

Dear Andrew

Thanks for your reply.

All of your bills are online for you to check. Bill notifications were sent to your o2 online account on 17 March and 25 March. It’s the responsibility of each customer to check these details.

We aren’t regulated by the Consumer Credit Act so we don’t have to issue you with a default notice. Details of what happens if your payments aren’t made are covered within your terms and conditions. I’ve included a link below.

www.o2.co.uk/termsandconditions

All bills are due to be paid 14 days after they are generated.

I don’t have details of the notifications that were sent to you. We only keep the dates that these were sent. I can send you a copy of the bills that have been generated, please let me know if you want me to do this.

We can’t make any changes to your credit file for this issue.

Kind regards

Laura Todd | Telefónica UK Limited

Link to post
Share on other sites

Hi

I would now go to the Information Commissioner with this. You can do it online

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Good luck Andrew, I hope this gets sorted for you. I too am in a similar situation to you. I cancelled my contract with Vodaphone back in April and moved house a couple of weeks later. I had my mail redirected for 1 month and received no correspondence at all from Vodafone.

 

I happened to join Experian last month and saw that I had missed payments to vodafone. I phoned them and was told I owed £13.05 which I immediately paid. Yet one week later they still issued a default against me!! Im absolutely furious.:evil:

 

All the staff ive spoken to at vodafone have all said it must be an error, it shouldnt be there etc yet their quality assurance team which conveniently I cannot directly access, point blank refuse to remove it!! And suprise, suprise apparently they are the only ones with the power to do so!!

 

Ive now emailed a complaint and am awaiting their response.

 

Its ridiculous how these companies can issue defaults for such tiny amounts!!! Its perfectly obvious that we didnt know we owed the money because why on earth would we risk getting a default for these petty amounts??

 

Like you vodafone has made no attempt to contact me, in fact because I hadnt paid within 28 days they immediately referred the matter to a debt collection agency!! Yet I paid the final bill to vodaphone themselves so I have no idea whats going on really.

 

Keep us updated and good luck

 

Hi all,

 

It's just a quick update to this thread to confirm that lindsb's query has been resolved here.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

Link to post
Share on other sites

You can't, you would need to email [email protected], or maybe when silverfox visits he'll sort it (as he's subscribed to this thread) however I understand he's very busy at the moment.

 

Has this been concluded then? and is that to your satisfaction? If not I'm sure there are other avenues you can follow....

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

 

Please also consider using the

C.A.G. Toolbar

Link to post
Share on other sites

Hi Locutus,

 

its not been sorted at all, I have read other threads where clearly O2 have been reading, and it would seem that the defend this kind of thing all the way.

 

I am clearly very p****d off that I have been put in this situation by them, this has totally affected my ability to remortgage and lower my outgoings. I am stuck on a high interest rate that was fixed for 5 years. This whole episode is going to have a significant effect on me and my family now for the next 6 years.

 

I really am totally dismayed as how easy they can do this without even contacting to ask to clear an outstanding payment that I was aware off pfffffffffff

Link to post
Share on other sites

same happened to me with 02 cancelled contract and paid in full after requesting final amount in writing. 2 years later £10 default appeared on my file with experian. i battled with experian who were downright rude. After complaining to the chief exec in writing they deemed to put a correction notice on my file, which is no use as the default still appears. luckily this will fall off my file next year. Sadly big business just dont care.

Link to post
Share on other sites

Follow o2's complaints procedure found here

http://service.o2.co.uk/IQ/SRVS/CGI-BIN/WEBCGI.EXE?New,Kb=Companion,question=ref(User):str(Mobile),CASE=13668

 

Follow that to it's conclusion.

 

Also contact the information commisioners office, see if they can offer any advice.

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

 

Please also consider using the

C.A.G. Toolbar

Link to post
Share on other sites

Andy, send them a SAR so you can see what action they took to recover this final balance before recording the default.

Whilst they have no obligation to issue one the least I'd expect is a reminder asking for payment with 7/14 days or the account goes to a DCA and you'll have a default on your credit file.

Also, are you still able to account your bills online at all?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...