Jump to content


  • Tweets

  • Posts

    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
    • Paula Venomous refused to resign for 16 months and eventually did only because a doctor threatened to resign. Interesting snippets and insights in the article. Paula Vennells clung on to ‘plum’ NHS role after Horizon scandal ARCHIVE.PH archived 19 May 2024 21:49:07 UTC  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Default on a default barclays


Inertia Creeps
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3993 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

It shows as last being updated on 31/01/10. I settled the account in full in December 2009. It says the account status 1 - 12 months with 6. Then account status 13 - 24 months also with 6. Balance of account underneath the 6. Payments with CL finance made on time, no erratic payments with them as it was done through payplan.

I would upload the entry if I knew how to do it!

 

And just noticed the Barclays loan is showing as satisfied and not settled. I paid it in full. Just realised that satisfied and settled mean different things. :-(

I will now have to re-send the letter asking them to look at that also!

Link to post
Share on other sites

Satisfied applies to a defaulted debt that has been paid, ie the default has been rectified.

Settled applies to debts such as a loan which is paid up in normal time according to the terms

of the agreement.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

It seems that the different creditors use what they want. My Barclaycard account is marked as settled yet the Barclayloan is marked as satisfied even though I also defaulted on the Barclaycard.

I also had 2 accounts with Egg, one a loan and the other a credit card and both of those are marked as settled.

Am I right to assume CL Finance have the right to mark the account as being delinquent from the time settled? Real sorry with the dumb questions!!!

Link to post
Share on other sites

DON'T worry about the questions!!

 

I should also have said that when an account is sold the original creditors entry should be marked ''settled'' defaulted or not because the debt purchaser has paid the creditor for the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I've just found a default notice issued to me by GE Money in 2006. CL Finance acquired the account in 2007 and now I have these late payment markers.

Is it ok to have a default and late payments on the same account? I ask because you cannot have 2 defaults on one account.

 

As soon as the default drops off put these markers on??? Or even have them on the same account at the same time? I can't see how that is right or even fair. That means there would be no distinction between those that pay and those that don't.

How can paying back your debt put you in a worse position than those that don't. That is total madness.

And it would mean I was some sort of mug paying it all back. :-x

Link to post
Share on other sites

Hi, yes you can have LP markers and a default, it's not 2 defaults, just showing the actual conduct of the account.

The default will be removed after 6 years paid or not, this means that someone who pays their debt is not disadvantaged compared to someone who makes no effort to pay.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 3 weeks later...

Just an update, CL Finance have told me they will remove the 6 markers and replace it with a default which will drop off in July this year. Of course I will believe it when I get it in writing but another point I wish to make is that because I have the original default with GE Money from 2006, is it possible that once the debt is sold on another default can be added if the original debtor removes the default from the credit file?

I'm under the impression that you can't but I'm willing to accept the default until July as I feel that is more preferable as opposed to 6 markers until early 2016.

Link to post
Share on other sites

Well that is a result!!

 

You are confusing matters here on the credit files:

 

1. The original creditor reports the default on date xxxxxx, the debt is sold the debt purchaser must report their data BUT the default on the OCs entry is marked 'satisfied' the debt purchaser add only their data but with the SAME default date, so one debt, one default, one default date.

The entry CANNOT be made again once removed.

 

You have a good result here!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thanks Brig, when it comes in writing I will believe it. Fingers crossed. I might even call them tomorrow to "advise" them of your post. I had to ring them today and they tried to say that it was more beneficial for me to record the 6 markers as instead of a default. I told them a default would have been less detrimental. Hopefully I'm getting somewhere with this :-D

Link to post
Share on other sites

Beneficial to them ???

Good luck keep me up to date please.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Just to let you know with regards to the Barclays default.

After waiting 4 weeks, today I had a phone call from Barclays to say the default will be removed.

I wasn't given a reason as to why I was given a default, I suspect because it wasn't justified in the first place when it was entered on my credit file in 2011

All I can say is that I am very relieved and I feel like I've won a big battle.

Perhaps I'm being ignorant in not pushing why they did it but I just don't have the fight to go on with it.

I got into debt in 2004, I'm now debt free, even managed to get 2 lot of PPI refunds from them and the last thing to my financial freedom was to sort out this default.

 

Hopefully I'll be able to tell you as soon as possible that my credit file is clear of adverse info and that I'm good to apply for a mortgage.

Thanks Brigadier for all your advice and help.

Link to post
Share on other sites

Hi Inertia,

 

The call sounds like very good news but I'd be even happier when they confirm something in writing or actually make the amendments on the CRA files.

 

Great work as always by The Brig on helping with Default and CRA issues.

 

:-D

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi IC keep at them until the amendments are made, good result!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Just checked my credit report with Experian, default has been removed from Barclays and credit rating gone from fair to excellent.

CL Finance 6 markers still showing but I now have in writing that this will be changed to default which will be removed in July this year. Score will drop obviously but in September time I will now start looking for a mortgage so that is ok.

Very happy indeed.:whoo:

 

Also had notification of another PPI claim with Barclaycard that will be paying out. Once this has been received I will be donating some more money to the site.

The help of people on this site has been amazing and very much appreciated.

Link to post
Share on other sites

great news

 

that's what we are here for

 

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... 

Link to post
Share on other sites

  • 3 weeks later...

Hi Brig, just one more question hopefully!!

I looked at my credit report and CL Finance still showing the 6's.

 

I'm going to ring them tomorrow to give them one last chance to rectify this immediately but who do I complain to after?

 

Is it the Information Commissioner or the Financial Ombudsman?

 

As per usual I have it in writing that it will be done and it hasn't but weirdly enough,

up until 19th May my credit entry with CL Finance was last shown as being updated on 31 Jan 2010

and now after speaking to them on 16th May, it was updated on the 19th May still with the 6's.

 

If they decide to go on stink, it doesn't mean the 6 years will start from the newer date does it?

 

I won't even bother with speaking to them if it does,

 

I'll go straight to the relevant body.

Link to post
Share on other sites

no can only be 6yrs from defaulted date in the summary.

 

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... 

Link to post
Share on other sites

Hi Brig, just one more question hopefully!!

I looked at my credit report and CL Finance still showing the 6's.

 

I'm going to ring them tomorrow to give them one last chance to rectify this immediately but who do I complain to after?

 

Is it the Information Commissioner or the Financial Ombudsman?

 

As per usual I have it in writing that it will be done and it hasn't but weirdly enough,

up until 19th May my credit entry with CL Finance was last shown as being updated on 31 Jan 2010

and now after speaking to them on 16th May, it was updated on the 19th May still with the 6's.

 

If they decide to go on stink, it doesn't mean the 6 years will start from the newer date does it?

 

I won't even bother with speaking to them if it does,

 

I'll go straight to the relevant body.

 

yep one debt one default one default date which CANNOT be changed.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

after another stink phonecall to CL Finance 2 days ago,

I just checked my credit report in order to make a complaint to the ICO and the Financial Ombudsman and the entry has disappeared.

 

No 6 markers and no default.

 

Credit score is 986.

 

Will keep checking over next week before I cancel the credit expert subscription but I'm hopeful that all my credit report woes are finally dealt with.

 

It has set my house buying back by 6 months because I've had to resign a new tenancy agreement but boy am I happy!

Link to post
Share on other sites

Hi IC and great to hear this has actually been sorted.

 

Yup, keep an eye on the CRA files to see that nothing nasty re-appears.

 

Are you going to seek compensation from the bank and/or CRA's.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

To be honest I am done with the pair of them, Barclays especially.

I've had so much stress I just can't be arsed to get into even more dialogue with them. I want to get every single bit of Barclay paperwork I have and burn it but they can't be trusted so I won't.

Yes I've had to stay put in the house I'm in for another 6 months but I know have a clean credit record and I am so relieved and that is enough reward for me.

I know that both financial institutions have reported incorrect data about me but had I not got in the mess I had to begin with, then they wouldn't have been able to do it.

I did my time paying it back since 2005 and in 2013 I now have financial freedom.

I never knew how important it was until now, so I'm good!

Link to post
Share on other sites

Hi IC,

 

If you choose not to seek compensation in this matter, that's entirely your prerogative.

 

I'm just pleased you're pleased with the results you've achieved.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...