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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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3 Defaults with no CCA, Court action???


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Guest Alison82

Hi

 

I have now begun yet again to rectify my credit report. I have checked with Equifax and compared it to an old Experian report and I can see some accounts have dropped off but there are some defaults that I want to sort out.

 

NatWest now with a DCA

On Equifax it says it was defaulted in 11/2006 and Experian 01/2007 so I’m not sure which one is correct. Either way they are due to fall off in the next 6 months. I did set up a payment of £1 a week/month back in 2010 but it doesn’t show anything on Equifax, it was last updated in January of this year with no payment history from 2006 – 2012. Either way I guess the default will fall off soon?

 

Halifax loan

Which has 3 years left until it expires, I will offer 50% of the defaulted amount when I can afford to do so and settle the account. How do I go about doing this?

 

Barclays and Barclaycard

I have a copy of the so called CCA but it is just a very basic application form, I will see if I can make a very reduced payment based on this fact. I will send another CCA request. I would also like to know if it is possible to get the default removed if there is no agreement; do I contact the company or the CRA? Is there any legal route with regards to this??

 

Note: I just found this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?158822

 

 

I would appreciate any advice given, thanks.

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Guest Alison82

I just remembered that with my NatWest account at the tme of opening I specifically asked for no overdrafts as I already had one with barclays and I was a student but they added a £1250 o/d anyway. When I called them about this I was discouraged from cancelling it and was told that I might need it in the future and may not get one later.

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What is the cr@pwest debt? Loan credit card overdraft??

And who is the tame DCA they have employed?

 

Shallowfax and the loan how old is this, when did you take it out?

 

Sharklaycard, again when was this taken out and how?

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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Guest Alison82

LOL

 

The DCA that the NatWest overdraft debt was sold to was Capquest.

 

The Halifax loan was taken out in 2002 and defaulted in March 2009

 

After looking at the application form for my Barlays account with overdraft I can see there is a small section with 1 tick box to apply for a Barclaycard. No proper information is given for the credit card and it is covered up with a barcode, I'll see if I can post it here.

 

The Barclaycard was opendend on 2000 and defaulted in 2010 followed by the bank account a few months later (all around the time when I was made redundant)

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Have you still got the cards?

 

The OD with cr@pwest, how much of the total is charges/fees? All of these can be reclaimed, so if you don't have sight of these charges/fees you will need to send them a SAR costing £10, they have 40 days in which to furnish you with the documents.

 

The shallowfax loan, you should send them a CCA request for the original agreement (£1), and again any charges or fees they might have added can be reclaimed.

 

Is there any PPI on any of these accounts? The Argos one looks like the box has been ticked??

 

The sharklaycard, how did you take this out?

Is the scan an actual copy that you have posted up? It's illegible if so.

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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Guest Alison82

I have already reclaimed all charges and PPI a few years back. The scan is the only CCA from barclaycard. I will send them all a CCA request, what do I do after that, my mission is to get these 3 defaults off completly and the one from halifax as settled (they have given me a valid CCA in the past)

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If you have already requested a CCA then there is no need to keep requesting them.

 

A default will remain on your credit file for six years, regardless whether it is satisfied or not.

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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I know that, I'm asking about in relation to the new legislation

 

Which one? Sorry?

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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Guest Alison82

I also want to see if I can get back the interest back on all purchases as their

were no t&c's supplied.

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Can't see that will help in getting interest on useage, the credit facility was granted and used,

you may be able to reclaim penalty charges.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Guest Alison82

Thanks for that information I must read it agin in depth but from what I understand the creditor did not have an agreement but later found the agreement the crditior aslo didn't inform the debtor of his statement of account and this case failed. My issue is that there is no CCA (it is not properly prescribed as it is mearly and application form).

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It should be noted that many CC ''application forms'' serve a dual purpose as agreements,so one should be careful of this.

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:

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Guest Alison82
It should be noted that many CC ''application forms'' serve a dual purpose as agreements,so one should be careful of this.

 

Really I have heard that before, I thought if it wasn't as per section 77 then it wasn't a properly prescribed cca, can you clarify?

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Hi Alison82.

 

I have unapproved the post showing your 'link's, please re-post when you have them sorted.

 

Regards.

 

Scott.

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Guest Alison82

^^ Many thanks.

 

I have one more question, can a company issue a default notice is the Cca is unenforceable??

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