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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me    
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Can some please explain Defaults


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Hi there – I have a question re Defaults. I have a Default put on my Capital One card as I have missed some payments in 2011. Until then I have been paying regularly and at times twice a month to keep the payments up to-date. Then why have I got this Default when I have been making regular payments? Is this legal? As per below I have missed payments in May/June and then August. Since then regular payments of £10.00 every month was paid.

Payments made -Feb/April/July/Sep/Oct/Nov/Dec.

Thanks

Edited by NotPPIsavy
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Hello just a quick reply: Yes this reporting is correct, if there are late or missed payments even if these are 'made up' a later date the creditor will have in the Ts & Cs a section showing why and when a they consider a default has occurred.

 

Reduced payments levels agreed or not are technically a default on the original contractually required payment levels.

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Oh Ok thank you. I am waiting for the Statements and all other documents to arrive from Capital One. As soon as I get these I will know if I have overpaid the account. If the account is paid off then will this still remain ad D or will it be shown as Satisfied?

 

Thanks for your help.

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  • 3 weeks later...

Hi there - having received all SAR docs from Capital One - the Default notice is unlawful as I never received the DN in the first place, and secondly one of the statements did not include my payment of £50.oo that along with the charges incurred led to going over the limit. So taken all these into account do you think I can get them to remove this as it is not lawfully enforced. thanks

sorry - i already asked this in my previous post - but found this one which is the correct post.

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There is nothing to stop Cap 1 issuing a new DN, and the alleged £50-00 missing payment from a statement is not a reason for removing the default.

 

A default notice is totally different to the actual default on the account.

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Thanks - but the Default note should not be on my CR file because I have not exceeded 8 or more. Only 2 months and the balance is also wrong. So in actual fact the account is in dispute when they put the default note. Does this not make it unlawful to put a DN when there is a dispute on the account?

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Exceeded what? 8 or more missed / late payments?

 

Creditors can and will default on as few a 3 missed payments there is no number fixed in legislation or guidance.

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Thanks - My understanding is that after 8 late payments the creditors can put your account into default. However, in my case, if the missing £50 had been entered correctly the account would have been up to-date. Also now I know the account was up to-date and I am in credit so they had not put the correct information.

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Thanks - My understanding is that after 8 late payments the creditors can put your account into default. However, in my case, if the missing £50 had been entered correctly the account would have been up to-date. Also now I know the account was up to-date and I am in credit so they had not put the correct information.

 

You might like to have a read of this which explains about defaults....

 

http://www.ico.org.uk/~/media/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.ashx

 

Have you advised the lender of any dispute at all either recently or at the time? If not then they don't know of any dispute.

 

Have you started off the process of finding out what happened to that £50 payment which has not appeared on the account?

 

To stand a chance of getting the default removed you would need to show that the account was operated correctly at the time. That would mean getting this £50 payment traced and applied to the account properly. If that has the impact of putting the account into a properly managed state and then you successfully reclaim any resultant penalty charges then you stand a chance of getting the default removed as part of the deal.

 

Having said that, you have indicated that you had missed some payments so that could make it more difficult.

 

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Thanks ims21 - when I did receive all my statements after a SAR request - I went through all the documents and when I realised the discrepancies I wrote to them and waiting to hear from them. So my PPI offer is also on hold at the moment as I need to sort out the discrepancies first and then will accept the offer subject to they send me the cheque to me. Trying to get all sorted step by step. I thought if I get the account sorted and then ask them to get the default sorted and then will ask them to send the PPI refund.

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sorry - yes I missed the payments two months but I always paid 3 times more to make it up and to bring it up to-date.

 

That I'm afraid makes no difference at all the cumulative effect of late or missed payments will usually result in a default the figure of

8 is irrelevant the creditor will have their own system for deciding when a default is placed.

 

If the amount of £50 was received after the date a payment was due it results in an LPM when 'extra payments' are received to remedy previous late or missed payments they are not allocated to the months in which the LP or MPs occurred.

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Thanks - my problem was I was paying by Direct Debit and debit card, and never had a look at my statements until now. Now I am learning to take control of everything, and noted the ones that I have over paid etc. Since PPI and going on this site I have learnt so much. Thanks to you all. Still learning and its a long way from getting things right. I will work through the cards and PPI and get back to you soon. I am very busy with work etc and cannot find the time sort out my finance. Getting there slowly.

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