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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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    • 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.

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      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
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EQUIFAX Credit Reference Agency


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Hi,

 

I have today been in touch with Equifax regarding the exact meanings of their search descriptions.

 

I specifically was interested in the one listed as DEBT COLLECTION, I asked them what this is which I was duly informed.

 

However I enquired further as to the parameters that mean a search of this type can be carried out, to which after a heated discussion she hung up on me.

 

 

Anyone??? Do you know what the parameters are that mean a company can perform such a search??? To me, these searches can be misleading and potentially have a disproportionate effect on your credit rating.

 

 

Thanks in advance

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I wouldnt have thought 'debt collection' searches would adversely affect a credit score. The credit reference agencies will argue that the T&Cs you orignally signed up to means that DCAs can search your accounts periodically.

 

 

The supposed creditor is UNITED UTILITIES, the supposed debt is actually an ACTIVE water account, this years payments. Can they place Table One searches if you are £40 behind with your payments???

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The authority to search is given in the T&Cs of the original contract.

The search shown on your CRA file is to alert you that you may have a problem,the searches will have been made when the DCA/Creditor has satified themselves that is is appropriate having satisfeid one or more of the ICOs 8 principles.

 

I suggest you doa little research then come back if you need hepl.

Google ICO 8 Principles.

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They can check my credit worthiness WITHOUT putting a search in Table One!!! My Credit File has numerous accounts, all with green 0's and low balances, this search is misleading in my opinion as it implies I have a debt, which itself is another matter. I have been FORCED into any terms and conditions, I have never had a copy of anything in the post! It is very difficult to live in a house and not use water!

 

So being £1 in arrears for 1 day means they can carry out havoc on your credit file?

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It would appear as they have made a T1 search that they have good cause to believe they have the right person, your complaint should be directly addressed to the compliance manager of the company making the search, the CRA is not at fault.

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So they would definitely fall foul of Principle 4 without fail as a search for a current liability does not list the amount etc so clearly cannot be upto date if you now owe nothing?

 

No if they can justify the search under any of the principles they can search, you should check again

with the CRA concerned as to what impact such a search has.

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The right person??? I haven't moved house, I have a current liability for water charges in the year 12/13!

 

Alternatively if you do not like the advice offerd, contact the water company directly and sort this out amicably between you!

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I have done, they accepted they were wrong and said they would remove it within 5 days. They haven't but now saying he didn't say that and won't remove it!

 

I am asking if someone knows the parameters or has a similar experience.

 

I will look into the 8 principles in more detail later, thank you for your input on that.

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They accepted they were wrong and said they would remove it within 5 days. They haven't but now saying he didn't say that and won't remove it!

Make formal complaint to their ceo.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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