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    • 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 
    • Seven years ago today this topic started 🤗
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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?
       
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      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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So, we have had a letter from G24 stating that we stayed in a car park for over 4 hours on a recent Saturday with photo's of us going in and then out again. Whilst we did enter the car park at 12.30pm, we also left (having met my parents there) about 7 minutes later.

 

We then went back to the car park at about 16.50 to visit Toys R' Us to buy a game.

 

They have then included the photo of us leaving the second time and arriving the first time. I sent them a letter stating all the details of what happened on the day, and they are still pressing ahead with the penalty charge notice - can't say i'm surprised, but as its blatantly a complete lie and verging on fraud (if indeed it isn't fraud or deception) i'm wondering what we should do with regards to the second letter.

Edited by phattbloke
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Hmm, so they have you going into the car park on the first visit - but not coming out.

 

They have you coming out of the car park on the 2nd visit - but not going in.

 

Do you have anything at all that can prove that you were not in the car park for that amount of time.

 

You shopped else where and have a timed ticket - you met up with friends for coffee, etc, etc. ??

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Something similar happened to another cagger.. I have sent out an S.O.S.

Edited by citizenB

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Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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We met my parents at the car park (Toys R Us near blackheath on the Wolverhampton Road) and then left to go to Ma Pardoes. We paid for everything on my wife's card, so we can prove we were at a pub about 7 miles or so away. My wife, stepson and parents would all happily testify in court that we went to Ma Pardoes and then went back to buy a game from Toys R Us. Also, isn't it illegal under the data protection act, for them to have deleted any photo's the camera's took on the day? Therefore, they must surely have the photo's on their system...

 

The odd thing is my parents did exactly the same thing we did - met us there, went to Ma Pardoes in their car, and also came back with us to Toys R Us later, but they didn't get anything!

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We met my parents at the car park (Toys R Us near blackheath on the Wolverhampton Road) and then left to go to Ma Pardoes. We paid for everything on my wife's card, so we can prove we were not in the car park. My wife, stepson and parents would all happily testify in court that we went to Ma Pardoes and then went back to buy a game from Toys R Us. Also, isn't it illegal under the data protection act, for them to have deleted any photo's the camera's took on the day? Therefore, they must surely have the photo's on their system...

 

Excellent so you can prove they are attempting to mislead. I would say yes, if they have indeed removed images from the CCTV in order to issue a parking ticket then that could probably cause them a lot of grief! I am sure others will advise on how best to handle this.

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Looking for a draft letter? Use the CAG Library

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I get the feeling they have a stock reply, which not only doesn't conform to the BPA CoP, but also doesn't give you a POPLA verification code which according to the POPLA site they have to do.

I also mentioned in the letter to them about the photo's and data protection act, along with us being able to prove where we were, but we have still had a letter stating they are going to continue with pursuance of this.

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You have a choice:

Appeal to POPLA, details of how to should have been included in their rejection letter together with a POPLA code.

This will cost them £27 +VAT and even if rejected by POPLA, their decision is not binding on the motorist and you can ignore them

 

Or

Having given them a full explanation, just ignore them from now on.

 

In each case they can only enforce it by issuing a claim in the county court, where the burden of proof is on the balance of probabilities .

 

They would be very foolish to try

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I get the feeling they have a stock reply, which not only doesn't conform to the BPA CoP, but also doesn't give you a POPLA verification code which according to the POPLA site they have to do.

Gets better and better.

I also mentioned in the letter to them about the photo's and data protection act, along with us being able to prove where we were, but we have still had a letter stating they are going to continue with pursuance of this.

 

They may well, but certainly not as far as a court.

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Thanks Michael - they didn't send a POPLA code. I've asked for one in the letter i'm about to send - this will be the last correspondence i enter in to with them.

We have overwhelming proof we weren't there in between, but even when I put it all down in black and white, they have ignored it. I assume these things almost never make it to court.

 

This is the letter i'm about to send:

 

Dear Sir/Madam

Re: Contractual Parking Charge Notice number:- xxxxxxxxxxxx

I’m writing to you again regarding you decision to pursue this matter further. I will not be providing you with anything that you ask for, as you have all the information on your camera system as to when we entered, and exited the car park on both occasions. If you don’t, then your system is obviously faulty and the matter will be thrown out of court anyway, which is the next step as far as we are concerned.

You may also wish to know that both your Parking Charge Notice and the letter you sent dated 1st Feb 2013 don’t comply with the BPA CoP. You say I have 14 days from the date of the letter, but as you can see below, this is not correct:

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.'

Judging by the many posts on the ConsumerActionGroup website, you try this prank on with many people. Well, good luck with them, but sadly this is someone you won’t be getting a penny out of.

Also, can you explain why there was no POPLA code in the rejection letter you sent? As it states on the POPLA website: An appeal form, containing your verification code, should be sent by the operator with the rejection of your representations. If this form is not enclosed, the operator should be contacted to obtain one. You must appeal to POPLA within the 28 days. As you have failed to do this, I therefore have to ask you to send one so that I can appeal to POPLA. I very much doubt you will – which the courts will love!

I’ll also be sending complaint to the BPA along with McDonalds & Toys’ R Us who have shops on the site to make sure they fully understand just how you operate.

I look forward to you ignoring this letter, and sending

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Thanks Michael - they didn't send a POPLA code. I've asked for one in the letter i'm about to send - this will be the last correspondence i enter in to with them.

We have overwhelming proof we weren't there in between, but even when I put it all down in black and white, they have ignored it. I assume these things almost never make it to court.

 

G24 have never been known to issue a single court claim.

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Send the letter without a stamp (just to cost them a bit) but to ensure they accept it address the first line to 'Payments Dept' or similar.

 

To realise the total money making sсam instead of fair 'penalties', look at their WebSite -

 

"As well as being able to offer traditional revenue generating parking management services, G24 can also help you identify and realise any additional potential your site may present. With data collated onsite, G24 can monitor and assess parking space usage and identify opportunities for you to make incremental revenue"

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I am aware that a number of complaints have recently been lodged with the DVLA about G24s operating methods - it would do absolutely no harm therefore to add your complaint into the mix.

 

email; Mike.Butler@dvla.gsi.gov.uk

 

Now Mike Butler is one of the data sharing department managers at the DVLA, and unfortunately (as as you might expect from a former double glazing salesman) he has great difficulty in managing the obvious conflict of interest that arises whenever complaints are made against PPCs who his department has just sold data to.

 

What I am saying is that it might take a couple of fairly pointed emails to get beyond the usual default and knee jerk position of DVLA fob-off.

 

Good luck.

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Hmm, so they have you going into the car park on the first visit - but not coming out.

 

They have you coming out of the car park on the 2nd visit - but not going in.

There is a very similar case on youtube regarding a Mcdonalds car park. [sorry can't find the link, it's on bbc watchdog]

 

The problem that the PPC had is that it was a company vehicle with GPS tracking so the company could prove that the vehicle had entered the car park then left and then at a later time re-entered the car park and then left, all within the allowed times.

 

This shows that the so called photo evidence that these PPC's use is at the least dubious and at the worst fraudulent.

Illegitimi non carborundum

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