Jump to content


  • Tweets

  • Posts

    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • 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.
  • 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

Credit Files A Mess From Being Young & Silly


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4255 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 All,

 

Im in need of serious help I think,

 

Where do I start to get this all cleaned up and hopefully one day get accepted for a sub-prime card to rebuild things.

 

I have not acknoledged a lot of them in the years they have been defaulted. The CCJ was issued to old address so was granted to them so I have completed the form to vary the order to £1 a month first payment on 4th april.

 

Im on Jobseekers Allowance so not much hope in paying them

 

Credit Expert

 

 

LLOYDS TSB BANK PLC

Entry Number: C1 | Account Updated to: 11/03/2012

Default Date: 20/05/2011

Default Balance: £271

Account Type: Current Account

Started: 21/11/2008

Current Balance: £272

 

LLOYDS TSB BANK PLC

Entry Number: C2 | Account Updated to: 11/03/2012

Default Date: 21/02/2012

Default Balance: £104

Account Type:

Current Account Started: 03/11/2010

Current Balance: £104

 

ARROW GLOBAL LIMITED (OLD ADDRESS ON FILE)

Entry Number: C7 | Account Updated to: 05/12/2010

Default Date: 01/08/2006

Default Balance: £371

Account Type:

Current Account Started: 30/08/2005

Current Balance: £371

 

LENDING STREAM LTD (OLD ADDRESS ON FILE)

Entry Number: C8 | Account Updated to: 27/03/2011

6 payments late

£742

29/01/2012

 

O2

Entry Number: C10 | Account Updated to: 17/09/2006

Default Date: 18/06/2006

Default Balance: £420

Account Type: Communications

Started: 05/09/2005

Current Balance: £420

 

O2

Entry Number: C11 | Account Updated to: 17/09/2006

Default Date: 19/06/2006

Default Balance: £435

Account Type: Communications

Started: 06/09/2005

Current Balance: £435

O2

Entry Number: C12 | Account Updated to: 17/09/2006

Default Date: 19/06/2006

Default Balance: £436

Account Type: Communications

Started: 06/09/2005

Current Balance: £436

 

FORTRESS GROUP (UK) PLC

Entry Number: C13 | Account Updated to: 06/11/2011

Default Date: 19/10/2011

Default Balance: £250

Account Type: Pay Day Loans

Started: 11/04/2011

Current Balance: £250

 

LOWELL PORTFOLIO I LTD

Entry Number: C14 | Account Updated to: 31/08/2008

Default Balance: £51

Default Date: 25/03/2006

Account Type: Communications

Started: 07/09/2005

Current Balance: £51

 

LINK FINANCIAL LTD

Entry Number: C16 | Account Updated to: 05/06/2011

Default Date: 26/06/2006

Default Balance: £8,136

Account Type: Loan

Date Started: 28/09/2005

Current Balance: £8,211

 

145 x Linked Addresses

 

57 x Search Records

 

1 x CCJ @ £247 (Accepted £1 a month) First payment on 4th April.

 

EQUIFAX

 

Current Account from Lloyds Tsb Current Accounts (I)

Current Balance £ 272

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 271

Start Date21/11/2008

Date Updated30/10/2011

Date Last Delinquent

Date Satisfied

Default Date20/05/2011

 

Current Account from Lloyds Tsb Current Accounts (I)

 

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 105

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 104

Start Date03/11/2010

Date Updated21/03/2012

Date Last Delinquent

Date Satisfied

Default Date21/02/2012

 

Current Account from Arrow Global Ltd (I)

Terms0 @ £ 0 (Monthly)Status

Defaulted

Current Balance £ 371

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 371

Start Date30/08/2005

Date Updated05/12/2010

Date Last Delinquent

Date Satisfied

Default Date01/08/2006

 

Loan from Asset Link Capital

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 8,211

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 8,136

Start Date28/09/2005

Date Updated19/12/2007

Date Last Delinquent

Date Satisfied

Default Date26/06/2006

 

Communications Supplier from O2

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 420

Start Balance £ 0 Credit Limit £ 0

Default / Delinquent Balance £ 420

Start Date05/09/2005

Date Updated27/07/2006

Date Last Delinquent

Date Satisfied

Default Date18/06/2006

 

Communications Supplier from O2 (I)

 

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 435

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 435

Start Date06/09/2005

Date Updated27/07/2006

Date Last Delinquent

Date Satisfied

Default Date19/06/2006

 

Communications Supplier from O2 (I)

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 436

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 436

Start Date06/09/2005

Date Updated27/07/2006

Date Last Delinquent

Date Satisfied

Default Date19/06/2006

 

CCJ LINKED ADDRESS

Court Details:NORTHAMPTON CCBC / 1Q^*£&$^

Type: County Court Judgment (England, Wales and Northern Ireland) Court Date:30/06/2011

Amount: £ 247

Date Satisfied:

 

NODDLE

 

Link Financial

Unsecured Loan

Account start date 28/09/2005

Opening balance £ 8,136

Repayment frequency Monthly

Date of default 26/06/2006

Default balance £ 8,136

 

Micro Credit

Account type Advance Against Income

Account start date 09/11/2010

Opening balance £100

Regular payment £436

Repayment frequency: Monthly

Date of default: 25/03/2011

Default balance £436

 

Lending Stream

£ 742

05/01/2012

Late payment

Account type

Advance Against Income

Account start date: 09/08/2010

Opening balance: £742

Payment start date: 09/08/2010

Repayment frequency: Monthly

 

Quickbridge

Account type

Advance Against Income

Account start date: 04/04/2011

Opening balance: £ 400

Regular payment £945

Repayment frequency: Monthly

Date of default: 04/11/2011

Default balance: £ 936

 

Quickbridge

Account type

Advance Against Income

Account start date: 28/09/2010

Opening balance: £460

Regular payment £1,042

Repayment frequency: Monthly

Date of default: 23/04/2011

Default balance: £ 1,042

 

Arrow Global Ltd

Account type Current Account

Account start date: 30/08/2005

Opening balance: £371

Repayment frequency: Monthly

Date of default: 01/08/2006

Default balance: £371

 

Barclays Bank Plc

Account type: Bank

Opening balance:£ 173

Repayment frequency: Monthly

Date of default: 03/06/2009

Default balance: £173

 

Lloyds TSB

Account type

Current Account

Account start date: 21/11/2008

Repayment frequency: Monthly

Date of default: 20/05/2011

Default balance: £271

 

Lloyds TSB

Account type: Current Account

Account start date: 03/11/2010

Repayment frequency: Monthly

Date of default: 21/02/2012

Default balance: £104

Link to post
Share on other sites

Hi, Have you totalled the debts up?

There are so many ''recent'' debts here that

are going to be major problems I can see little

prospect of some not ending up with CCJs

I cannot see much propect in any of these

ever being paid even partially I'm pushed to

see further than a debt relief order, so I'm

going to alert my colleagues to see if anyone

has any suggestions.

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:

Link to post
Share on other sites

It might be worth you contacting National Debtline - If you have less than £15,000 worth of debt and no assets you might want to consider a Debt Relief Order. I have popped some information below for you.

 

DRO information is the 5th section down.

http://www.nationaldebtline.co.uk/england_wales/page.php?page=35_options_for_dealing_with_your_debts

 

Telephone them tomorrow and have a word with one of their advisors :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

It might be worth you contacting National Debtline - If you have less than £15,000 worth of debt and no assets you might want to consider a Debt Relief Order. I have popped some information below for you.

 

DRO information is the 5th section down.

http://www.nationaldebtline.co.uk/england_wales/page.php?page=35_options_for_dealing_with_your_debts

 

Telephone them tomorrow and have a word with one of their advisors :)

 

Thanks for that CB

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:

Link to post
Share on other sites

Good morning all.

 

We've a great fact sheet which expands further on Debt Relief Orders; you can find it here:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=37_debt_relief_orders

 

iregretitall: if you fancy calling us for a chat we're avilable on 0808 808 4000. Calls are free from landlines and mobiles. You can also receive tailored assistance via our online advice system, My Money Steps:

 

https://www.mymoneysteps.org/

 

Best wishes,

 

National Debtline

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

Link to post
Share on other sites

  • 5 months later...

Regardless of using this service an individual will be easily traced to a new address.

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:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...