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    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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A friend of mine showed me a very interesting Parking Charge Notice yesterday from G24 who give their address as Po Box 3320 Gerrards Cross Bucks SL9 8WT

First of all it is addressed to a Scottish resident and offers the recipient the opportunity to appeal to the newly formed Parking on Private Land appeal body. A very charitable gesture you may think, particularly as the Protection of Freedoms Act does not apply in Scotland. However, having read further into this very colourful and picturesque document there appears to be a sting in the tail.

The section relating to POPLA states that if the appeal fails then the driver will lose his right to pay the reduced amount and may incur ADDITIONAL COSTS for LATE PAYMENT. I must say that having read this statement words ALMOST failed me as the bloody appeal is bound to fail as Scottish residents do not have access to POPLA, this is something that is clearly stated in the BPA code of practice.

Furthermore, if this particular document is issued nationwide then how many people in England and Wales have actually paid without appealing for fear of additional charges being added should the appeal fail? This also begs the question, what happened to the cost of the appeal process being met by the PPC industry?

An additional question surrounds the discount offered by G24, in the case of the document available the charge is £95.00 reduced to £75.00 if paid within 14 days. Now if we apply simple mathematics this represents a discount of 21%. This is interesting on the basis that Section B 19.7 of the BPA code of practice (England and Wales) and section C 34.6 (Scotland) clearly states that the discount should be no less than 40%. I wonder how many people have already paid the inflated figure as well as avoiding the appeals proccess?

I understand that this issue has now been raised with the relevant authorities.

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The whole discount question has been taken apart by at least a couple of judges. They said that if the "charge" is supposed to be a true reflection of the actual loss suffered, then how can that "loss" change from one week to the next. So the BPA are wrong to suggest any discount at all. Of course the reason it's there is because it is mimicking the discount offered by councils. Yet another example of impersonation of authority.

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The whole discount question has been taken apart by at least a couple of judges. They said that if the "charge" is supposed to be a true reflection of the actual loss suffered, then how can that "loss" change from one week to the next. So the BPA are wrong to suggest any discount at all. Of course the reason it's there is because it is mimicking the discount offered by councils. Yet another example of impersonation of authority.


I agree that this entire issue is a complete mess, for example how can pre estimate of loss be precisely the same in every case ?


I have no doubt that this debate will rumble on for years to come, However in my opinion the DVLA must seriously look at their arrangement with these companies as they are clearly incapable of abiding by any rules and seem hell bent in ripping off the public at every opportunity.


It is also common knowledge that the BPA is heading for Holyrood seeking support from MSP's , however I understand that a number of elected members are becoming increasingly concerned about the activities of this industry.


Edited by Crocdoc
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Parking Eye had a rough time at the hands of a judge in a case reported by Bankfodder here:



Part of the judgment was that the true estimate of loss was the discounted figure.

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