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    • Yup, tax credits are know for making mistakes. It took me 5 minutes to find  out they fabricated a phone call and had me earning 5 k more than I actually did
    • On 3 February 2003 I opened a credit card account with Lloyds TSB.   In May 2009 I defaulted and the proverbial hit the fan and the debt was passed to Cabot.   Any PPI was investigated by the Citizen’s Advice Bureau back in 2009 and all was found to be above board.   I have since that time continued to pay £1 every month to Cabot without sending any details of my income mainly because my circumstances never changed.   Recently I have received a letter from Cabot Financial. They’re considering legal action as they require an update about my situation. If they do not hear from me within 38 days my account will be placed with their solicitors whereby they will send me a “Letter Before Action” and subsequently a court claim will be issued against me. It details all the threats of a CCJ and the outcome from obtaining that would bring, including a warrant of control – enforcement agents (bailiffs) will visit me at home for the money or remove goods.   I am unemployed but not claiming benefits. Do not own any property or goods of any substantial value, only a second hand bicycle and this computer bought in 2012.   I’m not too concerned about a CCJ and I’d rather get this done and dusted after all these years of waiting for such a letter from Cabot. The debt today stands at £9500.00   Perhaps the next step should be send a SAR to Lloyds and a CPR 31.14 to Cabot…. And await the claim form.  
    • Ok. That sounds better. How long ago did they offer the 7th
    • so what..stuff and all they can do unless you want to be a mug and pay for their xmas staff party by giving them free money   dx
    • They offered w/c 7 Dec on Tuesday of this week.  I didn't accept it or reject it. I just said it was better than Feb but still not what was agreed.  I said I wanted to speak with their director before I would consider it and she refused.  
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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DVLA accuse local authorities of misuing their data.....they barred 150 Local authorities last year !!!


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LOCAL authorities are being suspended, and in some cases permanently barred, from accessing the information held on vehicles and drivers at the Driver and Vehicle Licensing Agency (DVLA), because of constant abuses of the system and flagrant mis-use of data, in complete contradiction to DVLA’s own rules and those of the Data Protection Act.

 

ON 14th May at the Local Authority Civil Enforcement Forum (LACEF)annual conference in Leicester Mr Mike Butler; DVLA Data Sharing Manager gave a speech about the local authorities and their request to DVLA for keeper records. Mr Butler stated the following:

 

“More than 150 councils have been barred at some stage because they have breached motorists’ privacy.We have been warning councils over unlawful spying using anti-terror legislation.”

 

He reiterated the basic rules for local authorities:

 

They can only access DVLA data if it is linked to the offence (usually parking).

 

There must be hard evidence – not a suspicion of wrong-doing.

 

Local authorities must already have the registration number of the vehicle – they cannot ‘fish’ the DVLA records.

 

Local authorities must have a proper audit trail in place.

 

Correct storage and retention of data is important.

 

 

 

 

Mr Butler explained: “With enquiries from local authorities, we experience some serious and some more commonly occurring issues.” These include:


    • Unable to evidence validity of enquiry

    • Incomplete or no audit trail

    • Gathering information for intelligence purposes

    • Personal data retained from erroneous enquiries

    • Altering date of event to obtain keeper details

    • Unauthorised enquiries made through intermediary

    • Absence of a data retention policy

    • Making enquiries without reasonable cause to information

    • Files containing personal data not adequately secured.

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Bailiffs and local authorities routinely access DVLA records in relation to unpaid parking charge notices. In addition, when a bailiff levies upon a car when enforcing a Liability Order the DVLA records will be accessed by the bailiff company.

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Have copied to Local Authority forums as well.

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Why would a local authority need to harvest data held by the DVLA if the registered keeper has already responded to a PCN. There should be no requirement for paying out to access records before sending out the Notice to owner.

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Why would a local authority need to harvest data held by the DVLA if the registered keeper has already responded to a PCN. There should be no requirement for paying out to access records before sending out the Notice to owner.

 

 

Because the keeper doesn't always get the PCN!

 

The DVLA story is from ages ago and not exactly exciting most suspensions lasted 2-3 days and were down to contractual or administrative errors. The fact that the DVLA audit system highlighted the issues shows the system does actually work, if not they would not have suspended anyone.

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Because the keeper doesn't always get the PCN!

 

If they have replied to a PCN then there is a good chance they have received it.

 

Surely the local authorities should be appearing responsible, and only applying to the DVLA in cases where there is no appareent detail of the registered keeper, which would reduce the amount billed to the tax paying constituents.

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If they have replied to a PCN then there is a good chance they have received it.

 

Surely the local authorities should be appearing responsible, and only applying to the DVLA in cases where there is no appareent detail of the registered keeper, which would reduce the amount billed to the tax paying constituents.

 

You seem to have totally missed the point!! Anyone can receive a PCN even if they do not own a car, therefore anyone that receives a PCN can make a challenge, however here's the point that seems to have gone over your head.....it is the owner that is liable. The council do not know who the owner is without contacting the DVLA and they have a legal duty to serve a notice to owner on the OWNER not the driver or anyone that cares to challenge a PCN.

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I thought Shercar was a horse.

Frederickson - CCA Sent 11/4/07 - Lost - Claiming back from post office

Connaught Collections - CCA Sent 11/4/07 - No Agreement - returned to client

Lowell - CCA sent 11/4/07 - No agreement - returned to client

Moorcroft - CCA Sent 11/4/07 - No Agreement - returned to client

Red Castle - CCA Sent 11/4/07 - Copy returned but no T&C's

Robinson Way - CCA Sent 16/5/07

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