Jump to content
  • Tweets

  • Posts

    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • 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 
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 2454 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi, i am new to all this,so please be patient with me. Well I parked at Sports Direct car park in St. Helens on 2nd January this year and received a contractual parking charge notice dated 9th January on the 13th. They want me to pay 100 pounds as I was longer than the permitted 60 minutes. I arrived at dusk and left in the dark and didnt even realise it was limited to 60 mins,as I was looking on what was the manned booth when it was the DIY store, and there was nothing on the booth. I parked right round the side of the old DIY store .

Browsing through artices from 2009 to 2013, the general advice given appears to be to ignore all correspondance from G24. I have been trying to compose a letter to send , but now I think perhaps I should just keep quiet and ignore their ltters. Is still the way to proceed??

Link to post
Share on other sites

Hi, BB you made it!!!! Wait till you get the letter "notice to keeper". At the moment they are writting to the driver but they don't know who that is (don't tell them).They will writr again, letter must arrive between 29/56 days from date of "Offence"

Link to post
Share on other sites

When you get the next letter come back and a defence will be formed.

They will send loads of lrtters trying to get you to pay,threatening all sorts of poo. They can not do anything ,don't worry

Link to post
Share on other sites

Thankyou f16, the notice was addressed to me as the registered k eeper, but they state that they do not know the name or address of driver. They then go on to say that under the Protection of Freedoms Act 2012. i am required to a] pay the outstanding amount if I am the driver.

b]If I am not the driver provide the full name and address of the driver and pass the notice to them .

c]Make a representation against the issue of the parking charge.etc etc

Link to post
Share on other sites

At the moment you are saying nothing. they have to do certain things within a set time frame, if they are "timed out" on any point tough.

You are under no obligation to tell them who the driver was or their details.

Link to post
Share on other sites

Hi BB, are you saying the original ticket or PCN was issued to the driver on the 2nd of Jan or 9th? If not and they have written to you as the registered keeper before the 16th of Jan, they have broken the rules regarding when they can ask for your details already. They have to serve the driver and wait 14 days before contacting DVLA for the registered keepers details. If they have broken that timeline, complain to DVLA and ask them what they are doing releasing your details to that company. Then sit back and wait for the PCN company to whine/beg/threaten.

 

 

More wiser heads may be more clued up to the direction you should take from that point.

Link to post
Share on other sites
Hi, i am new to all this,so please be patient with me. Well I parked at Sports Direct car park in St. Helens on 2nd January this year and received a contractual parking charge notice dated 9th January on the 13th. They want me to pay 100 pounds as I was longer than the permitted 60 minutes. I arrived at dusk and left in the dark and didnt even realise it was limited to 60 mins,as I was looking on what was the manned booth when it was the DIY store, and there was nothing on the booth. I parked right round the side of the old DIY store .

Browsing through artices from 2009 to 2013, the general advice given appears to be to ignore all correspondance from G24. I have been trying to compose a letter to send , but now I think perhaps I should just keep quiet and ignore their ltters. Is still the way to proceed??

 

If you had a windscreen ticket, then they have not followed correct procedure.

If it was by anpr then they have so far...

Needs confirming. Either way you will have to write/appeal to G24.

Looking at Google Street, you missed the sign on top of the booth!

Link to post
Share on other sites

From my reading of the OP's posts he has received a Notice to Keeper from an ANPR system.

 

2nd Jan parked and over stayed

 

13 Jan received Notice to Keeper dated 9 Jan (issued and received within fourteen days)

 

Parking Charge should be disputed to get a POPLA code.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...