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    • Holding my hands up I was a naughty boy driving a transit van along the A55 in Wales in February and exceeded 60mph in what I thought was a 70mph zone. ( all to do with the weight of the van). When I realised the error of my way I took the fine and sent my licence off by Royal Mail. Yesterday I received a letter from North Wales Police saying that I was now being prosecuted in court for failing to surrender my licence. I paid the fine as soon as I received the £100 penalty letter and carefully read the form ( which is confusing to say the least) and immediately took a walk to the post box and sent my licence off. In hindsight I’m a fool for believing that the licence would get to the HMCS in Loughborough without the need to track and trace the letter. I still believe that Royal Mail hasn’t lost the letter with my licence in it as I have never had any other letter go astray. I believe the licence is with HMCS it’s just not yet been processed probably due to Covid backlog. Seems Covid is to blame for everything these days. How can I avoid this going to court? I’ve never had a speeding ticket in over thirty years of driving or any other ticket hence why I was keen to comply with the ticket and send my licence off as instructed.
    • Rejection letter to be sent to the FOS   I am declining your decision of 13th April for the following reasons:   Much of your decision is predicated on your view that Aviva had a “process” in place and that they followed this process and as a result their decision to enter an insurance contract in 2015 despite their misgivings was fair.   1.      Nowhere in your decision have you explained what the process was and whether in fact the process was fair. Clearly your view is that with regards to that process, all that was needed was for Aviva apparently to follow this process and any outcome would be fair and regardless of the fairness of the process.   2.      On 2 June 2021 I received a telephone call from the Aviva complaint team. During the conversation, they informed me that in fact that in 2015 the call handler had been wrong and had not followed the correct process. The Aviva caller told me that it was not part of the process for the call handler in 2015 to refer her suspicions to her manager. Clearly, if the call handler in 2015 had adhered to the correct process and allowed herself to be guided by her own suspicions then Aviva would not have agreed to provide the insurance cover and they would not have become the victim of fraud. In fact what we find is that the correct process and the very serious suspicions of the call handler were overridden by a manager. Evidntly either Aviva has misled you as to the nature of the process or else they have not disclosed their process to you. It may even be that Aviva does not have a written “process”. They only have “a way of doing things”. If it is correct that you have not seen the Aviva process but have simply taken their word for it, then it is clear that your investigation is flawed and your decision has fallen short by any reasonable standards. If on the other hand Aviva has misled you as to the nature of the process, then I think you have a very serious issue with Aviva. I believe that you have never once seen the “process” upon which you are purporting to rely upon in your decision. You may be interested to know that the man who defrauded Aviva also attempted to use my identity to defraud a number of loan companies. I’m pleased to say that all of those companies exercised sufficient diligence that they did not become victims of the fraud. Only Aviva failed to exercise proper care and allowed themselves to be defrauded. You may also be interested to know that the police have interviewed me and they have interviewed my brother and they are preparing to charge my brother in respect of his fraudulent activity. I am under no suspicion whatsoever. The police have informed me that they will be speaking with Aviva facing fairly soon.     There are many other reasons why I am refusing to accept your decision. All the other reasons turn on the fairness of your decision but the reasons above go to the heart of your own investigative process and the quality of your decision. It is not insignificant that I have submitted a Freedom of Information Act request and also a Data Protection Subject Access Request to you and so far you have failed to respond within statutory deadlines. I have also sent Aviva a Subject Access Request and they have extended the deadline for compliance by a full two months for spurious reasons which I do not believe. I have also asked Aviva for sight of their policies and procedures in respect of the rules that they apply to their customers for the setting up of new business.  Needless to say I have received no response. The Aviva website makes a show of being aware of the dangers of domestic financial abuse and they trumpet their association with the organisation Surviving Economic Abuse and they say that their staff are all trained in spotting the signs. I have asked to see their abuse policy and I have received no response. None of this is surprising.    It is clear that Aviva have acted carelessly. They were suspicious but preferred to get the new business.  Aviva are complicit victims of the fraud. It is Aviva which is the victim of fraud but they prefer to try and avoid their responsibility and pass the buck onto me. I’m pointing out that it is Aviva which is the victim of fraud because I can state categorically now that I have no intention of paying any of the money which Aviva is demanding of me. I notice that Aviva prefers to harass me for an alleged debt rather than simply bring a claim in the County Court where an impartial judge would look at all the evidence including information which so far Aviva has declined to disclose.   This letter is intended to decline to accept your decision but also is intended to be my formal complaint which I wish to be escalated to the Independent Assessor. Please confirm receipt of this complaint, that it is being forwarded and  provide me with any policies and guidelines to the Independent Assessor route and also let me know the timescales involved. I will want to provide further information to the Independent Assessor.   Yours faithfully
    • The G7 hasn't gone to plan, has it?   Rather than showing the UK off as a potential global leader, Johnson has probably started a trade war with the EU and is being told that other nations don't trust him.
    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
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barclaybank debt


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Hi,

 

I used to have a credit card with barclaycard and unfortunely it went to arrers,

 

Thames credit agency took over it and

 

i set up a payment plan that i could repay the debt back.

 

the payments went through and

 

i noticed they never got back to me regarding the outstanding balance been cleared.

 

i called them and they said to me is balance has been paid in full. so i left it.

 

years later i was trying to get a mobile phone on contract and got rejected

 

thought its because i moved house. not until i wanted to get a contract now for the mobile phone and i got rejected again

 

and i seen that they rejected me once more.

 

i got an account with credit expert and it shows that barclaycard is out standing by £4 and they have defulted me.

 

i have tried contacted barclaycard

 

they said they dont deal with it as the account was closed with them and went to thames credit agency

 

and now i cant get hold of thames credit agency as i read online they dont operate now.

 

I am really stuck i dont know what to do

 

any suggestions

 

Yas

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Hi and welcome to CAG

 

I am a little confused. There should not be a default for £4. Can you go back and look at what the default actually says.

 

The date of the default, the amount of the default.

 

Even more strange is that the default is in Barclays name as they would have sold the debt to Thames so Thames name name should appear.

 

If it is the case that BC have defaulted you for £4, a full complaint is needed.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Barclaycard placed the default for £4.00 which by any standards is trivial and imo grossly unfair.

 

Unfortunately BCs customer (dis) service department which deals with this kind of problem is unfit for purpose, the staff have no idea of the CRA /defaults system operates. I asked to be put through to 'a data controller' or someone who worked in that department but was told they 'don't have none of those!

 

A complaint to the CEOs office is the best route for you now.

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Hi Yaya,

 

Can you tell us approx dates for events so we have a better picture of events.

 

Also, if you think there may be a number of penalty charges that you were charged on the a/c, reclaiming these would be a good way to :-

 

1. Reclaim penalty charges with interest.

 

2. By doing that, you can show that the adverse credit data was inaccurate and suggest that BC remove all credit data regarding the a/c.

 

This could follow if a formal complaint to BC HQ fails to get any results.

 

:-)

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Hey slick123. i had taken the barclaycard out in 2002 and the defult was added on at 02/2010..its says on my credit expert that it is barclaycard and the debt was outstanding of £4

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Ah that is different. It is the default balance that makes the default legit (£290)

 

The £4 is what is owing.(possibly an error) Even after you have paid it off, it will show as settled but the default itself will remain until 2016

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi Yaya,

 

I asked above if there were penalty chgs on the a/c.

 

Let us know about this as it may be your best chance of having the adverse credit markers removed.

 

:-)

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Sorry, that makes no sense :???:

 

Do you mean there were not many charges on the account, or ......

 

There were many charges added.

 

Thanks :-)

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Ahaa, Plenty and Penalty !!

 

If they were no penalty charges, then that is not a way to have the adverse data removed.

 

So you will have to challenge the default marker an the basis of fairness and accuracy. I think the best way to look at accuracy is to send Thames a SAR, to see what you owed and what you paid each time. The SAR should also produce copies of letters, ledgers, etc.

 

See here - http://www.consumeractiongroup.co.uk/forum/showthread.php?387315-Debt-or-DCA-Subject-Access-Request

 

:-)

Edited by slick132
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