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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Nicky Boy
      GroupNexus ANCR PCN - Petrol Station Roadchef Tibshelf South DE5 5 T

      By Nicky Boy · Posted

      Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • FTMDave
      Horizon ANPR PCN - overstay - Iceland Chester

      By FTMDave · Posted

      The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
    • little old lady
      GroupNexus ANCR PCN - Petrol Station Roadchef Tibshelf South DE5 5 T

      By little old lady · Posted

      Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! edit ok thanks Honeybee here's my 2nd (actually 3rd) attempt at anonymising, copying and uploading the notice! Sorry about the state of it - I sat on it while distracted by my dog 🙃 pcn front.pdf pcn back page.pdf
    • tobyjugg2
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By tobyjugg2 · Posted

      ROFL - dont get upset just because someone (quite a lot of someones) dont want smart meters - well unless you get paid for it .. in which case ...   I assume you haven't been with Octopus long enough to be on one of the very long fixed price tariffs they offered before the prices went bonkers .. and that you dont use your electricity in the evening/lunch time if you think the 'agile type tariffs are good value .. let alone worth installing a smart meter for - high price a good disincentive for an evening cuppa eh? Let alone all your computer/tv etc time in the peak price evening or lunch time. - and boy do those peak prices instantly hammer your bill when those Russian and middle eastern issues kick off.   I would only have considered a smart meter if solar panels had been an option for me - but roof is oriented completely the wrong way. Oh - and My opinion hasn't changed since the smart meter trials 40 years ago, because neither have the issues (well not enough) but I'm happy for you. Be happy for me.
    • honeybee13
      GroupNexus ANCR PCN - Petrol Station Roadchef Tibshelf South DE5 5 T

      By honeybee13 · Posted

      Hi. I'm afraid I've had to hide your post with the pdf files to keep this anonymous for you. You've left the PCN reference number and your car reg showing. Could you edit that and repost please? HB    

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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Opus was Citi sold to 1st Credit - Now a default

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dx100uk

dx100uk

Posted
Posted

I would suspect the original default was around the time you start reduced payments.?

 

that CCA from april 13 was simply T&C's wasn't

 

without an enforceable CCA I'd stop paying

you should have done that months ago.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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manxie

manxie

Posted
  • Author
Posted
I would suspect the original default was around the time you start reduced payments.?

 

that CCA from april 13 was simply T&C's wasn't

 

without an enforceable CCA I'd stop paying

you should have done that months ago.

 

dx

Thanks for your reply.

Can 1st Crud enter another default on my cra files if I do stop paying?

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theoldrouge

theoldrouge

Posted
Posted

No an account cannot be defaulted twice

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 1 month later...
manxie

manxie

Posted
  • Author
Posted

I have now heard back from all three CRA's and 1st Crud.

 

CRAs says they have contacted 1st Crud to make the amendment if correct. 1st Crud say they have written to Opus for the necessary paperwork. Well as Opus/1st Crud didn't supply the correct paperwork first time I asked, I can foresee the same happening this time. Should I complain to the ICO or some other body please?

 

Thanks

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Posted
Posted
I have now heard back from all three CRA's and 1st Crud.

 

CRAs says they have contacted 1st Crud to make the amendment if correct. ...... Should I complain to the ICO or some other body please?

 

Thanks

 

 

see what they come back with first re any corrections? take it from there

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Posted
Posted
Thank you for your advice. I will wait for the reply.

 

 

if they dont get back to you fairly soonish, post back, see what to do.

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  • 2 weeks later...
dx100uk

dx100uk

Posted
Posted

you'll need to pdf it

pop both redacted pics into a single word doc and upload

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Bazooka Boo

Bazooka Boo

Posted
Posted

What a waste of paper!

 

Their idiocy knows no bounds does it?

Aside from the grammatical errors even a five year old could point out, who the hell in their right minds

would think that a CCA request refers to them and not the actual copy of the agreement they are chasing??

 

Fail on every point, I reckon one of the cleaners must've sent you that, or the speak & spell is on it's last legs?

 

IMO nothing for you to do, sit on your hands, they have nothing in order to chase you through the courts.

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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dx100uk

dx100uk

Posted
Posted

the original credit defaulted the account when they sold it

nothing to do with 1st credit

 

your issue is you continued to pay 1st credit when told years ago to stop.

 

now they are laughing at you

 

hope you've stopped paying now..

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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manxie

manxie

Posted
  • Author
Posted
What a waste of paper!

 

Their idiocy knows no bounds does it?

Aside from the grammatical errors even a five year old could point out, who the hell in their right minds

would think that a CCA request refers to them and not the actual copy of the agreement they are chasing??

 

Fail on every point, I reckon one of the cleaners must've sent you that, or the speak & spell is on it's last legs?

 

IMO nothing for you to do, sit on your hands, they have nothing in order to chase you through the courts.

 

Thanks for your reply. I have stopped paying them and I will do nothing more

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  • 4 months later...
manxie

manxie

Posted
  • Author
Posted

Just by way of an update.

 

I have received from 1st Crud what they say is a proper copy of my original agreement with BMi.

 

Whether or not it is who knows.

 

In the letter they say that they are still waiting for a copy of the default and as such my account remains on hold.

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dx100uk

dx100uk

Posted
Posted

What was it a bmi baby one?

 

If so they ll never get the right t&c's

 

Can you scan up what they've sent?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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theoldrouge

theoldrouge

Posted
Posted
Just by way of an update.

 

I have received from 1st Crud what they say is a proper copy of my original agreement with BMi.

 

Whether or not it is who knows.

 

In the letter they say that they are still waiting for a copy of the default and as such my account remains on hold.

 

yes please post it up, if I remember correctly last time they sent you t&cs for an Audi Card an claimed it to be a true copy

of a bmi baby card:lol:

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 10 months later...
manxie

manxie

Posted
  • Author
Posted

Dear all,

after nearly twelve months of nothing from the Ist Credit (apart from an annual statement)

 

 

today I received another default notice from Opus.

 

 

The content of the letter I find quite amazing. Both docs attached. Any ideas/help much appreciated.

Opissmall 2.pdf

opussamall 1.pdf

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dx100uk

dx100uk

Posted
Posted

as stated earlier

they cant default you twice.

 

 

as long as the original default date is not changed

they can willy wave all they like

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx100uk

dx100uk

Posted
Posted

yes you can get it corrected.

 

 

without me looking back

did you ever send CITI or OPUS an sar to get all the statements and the account/ comms log?

this will tell you exactly when they first defaulted the loan [or should have done]

that way if they do [enter a new default] change the date you complain to the ICO.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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