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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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Hi guys, yes im another victim of these people. just wanted to check with all you that this is total tosh and is to be ignored. For a start anyway, we didn't go to this car park until 2:45pm, we know for a fact so the car going in isnt us.! i know exactly what we was doing that day and what times. i was still at home until 1:30pm yapping to a friend on fb! and, you cant even make out the reg!

 

should i send them a letter saying they cant prove the driver or the actual car reg or just ignore them and any other threatening letters they will send? Many thanks in advance, Amy.

 

parkingfine_zpsd3bf4399.jpg

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Ignore them and there ever increasing beg letters

 

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I note with interest that G24 invoices do not comply with the BPA code of practice (Not that many companies do) nevertheles the code of conduct specifically states that the charge should be reduced by a minimum of 40% for settlement within 14 days. However I note from the invoice posted above that the charge is reduced from £95.00 to £75.00 for early payment. Now if my calculations are correct this figure represents a 21.1% reduction.

 

Before anybody shoots me down in flames, I fully accept that when there is absolutely no intention of paying the figures don't make the slightest bit of difference, it does however show how much attention they pay to the BPA.

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Definitely worth sending a copy of that silly begging letter to the BPA to highlight the error of this cowboy outfits ways, and that of the BPA, and to BBC Watchdog & the MP for that area and the actual owners of that property. highlighting the error of their ways.

 

Can't wait to see the next installment of their threat letters.

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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Don't complain to the BPA, complain to the DVLA (google will get you an email address for Mike Butler at the DVLA)

 

Apart from the failure to provide a minimum discount of 40% (as pointed out by Crocdoc above) there is also the issue of the 14 day discounted period as follows:-

 

The BPA CoP Section B 19.7 states that (quote) ‘Prompt payment’ is defined as 14 days from the date the driver or the keeper received the notice.' Furthermore, the Protection of Freedoms Act provides a legally binding definition for 'the date the driver or keeper received the notice' as, '(6) A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered (and so “given” for the purposes of sub-paragraph (4)) on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales.'

 

Yet contrary to both the BPA CoP and the legal definition of the Protection of Freedoms Act the G24 PCN actually states that the discounted period as being 'within 14 days of the date of this notice'.

 

Therefore, the standard G24 PCN contains two blatant breaches of the BPA CoP - now if G24 use the EDI to access RK data then operating in breach of the BPA CoP negates the 'reasonable cause' required to access DVLA data.

 

So please submit a formal complaint to the DVLA incorporating and evidencing those two breaches please (and don't forget to ask for confirmation that G24 have therefore been suspended from accessing RK data)

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