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    • Ok I sent off my letter to Gladstone and MB now the waiting game. I showed MSE and National Consumer Service my letter before claim response and the majority people were not impressed with my letter.   But after reading this quote on CAG, it feels like the next best approach regardless: ''No, it is not a joke reply. The more you show these con artists respect the more they will try to fleece you. Don't fill in their Section D. Treat them with contempt. They're not the police or the council, they have no right to this money and they know it.''   I still feel I've made the right decision but I feel doubtful at times with the wide amount of different opinions people have approaching this situation on the MSE and National Consumer Service forums.  
    • Exactly which is the core issue for the dispute they have estimated an annual usage in excess of 100,000 kWh of gas. Not only estimate it but they have attempted to bill for it as well.   This is again why I move to make a case for fraud. Their action is so egriegous it must be known to be dishonest.
    • Recently visited the site.   Driver browsed in one store and purchased food items to consume inside another store. Walked to green space attached to site. Returned to site cleaned vehicle of waste and left site.  A few days later NTK has arrived in post with requests stating overstaying of 13 minutes . . images clocked show 16 minutes. . company has history of "doctoring timestamps" - will upload as soon as scanner is accessible and image can be "cleared".   any assistance will be greatly appreciated.   TowedgeornottoWedge   1 Date of the infringement 07/10/2020   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 13/10/2020 (Having trouble with the scanner at the moment and will upload images as soon as is possible)   [scan up BOTHSIDES as ONE PDF- follow the upload guide]   3 Date received 17/10/2020   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes   5 Is there any photographic evidence of the event? Image of entry and exit provided   6 Have you appealed? [Y/N?] post up your appeal] Not yet seeking further suggestion and support   Have you had a response? [Y/N?] post it up N/A   7 Who is the parking company? UKPC LTD (UK PARKING CONTROL LTD)   8. Where exactly [carpark name and town] Friern Barnet Retail Park N11 3PW   For either option, does it say which appeals body they operate under. POPLA
    • well that consumption can't be right your are not an industrial unit!!      
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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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LTSB credit card sold to Marlin


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Unfortunately, they could, as you aren't maintaining the payments agreed to under the original agreements.

 

Once you've made 6 monthly reduced payments, they should look at the possibility of rescheduling the original agreement to the monthly repayment amounts - which would mean a new agreement with those same payment terms.

 

Creditors aren't obligated to accept reduced payments and they will report your status against the original agreement.

Always happy to help where I can!

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Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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Yes, because you're still in breach of the original agreement to repay full payments on time. It's a rubbish system, but other creditors are interested in whether you can maintain agreed payments against credit taken and this creditor will report those details to the CRA's around that.

Always happy to help where I can!

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Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Even if I have a letter from them accepting a reduced payment on the account and agreeing to stop all interest and charges?

 

Good afternoon lewis

 

Can you scan in and post up the agreement relating to the reduced payment please, in the mean time, have a thorough read up on Promissory Estopple as I think this Doctrine applies to your circumstances (based upon what you have reported here).

 

Kind regards

 

The Mould

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Good afternoon lewis

 

Can you scan in and post up the agreement relating to the reduced payment please, in the mean time, have a thorough read up on Promissory Estopple as I think this Doctrine applies to your circumstances (based upon what you have reported here).

 

Kind regards

 

The Mould

 

Based on... ?

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Based upon the op's first posting here and the Doctrine of Promissory Estopple, I have already said that car. I have also asked if lewis would post up the agreement (temporary one agreed by Lloyds), when he posts that up, the matter should become clearer based upon the terms of said agreement.

 

The Mould

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Based upon the op's first posting here and the Doctrine of Promissory Estopple, I have already said that car. I have also asked if lewis would post up the agreement (temporary one agreed by Lloyds), when he posts that up, the matter should become clearer based upon the terms of said agreement.

 

The Mould

 

The terms have nothing to do with PE, so I'm wondering what it is in the first post that has brought that subject up, though, TM? I'm asking because I don't understand how it's relevant here, exactly? Do you mean that they've promised not to take action, but are? :confused:

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Subbing - In same situation as OP but further down line - passed to CDR and then Moorcrap even though in agreed repayment plan - I complained to LTSB and got a small financial reward for troubles.

 

Intend

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  • 3 months later...

LTSB stated on letters and in recorded phone calls,

which I have copies of,

that I was to ignore the threatening letters and default notices being sent as I was on an agreed DMP until August 2011.

 

 

I ignored them and even had it confirmed by MHA that they would not pursue as it was shown on was on an agreed plan.

LTSB then carried on and started adding arrears notices on my credit file.

This is my disagreement on the account.

 

I complained to LTSB and they said they couldnt understand why.

I then complained to the FOS and guess what they sided with LTSB and said I was in the wrong

- even though I have maintained my agreed payments.

I have complained again to the FOS that they are not correctly listening to my complaint.

 

I have sent copies of the formal DMP agreement from LTSB to Equifax and they have currently removed the account from my records.

 

The account has been in dispute since March 2011 but they are still updating the CRA file.

 

I now have threatening letters from MHA but LTSB have still not satisfied my SAR nor supplied me with a true copy of my credit card agreement.

 

I am at my whits end with this so any advice would be welcome. I have kept up all my payments and even increased them when I can.

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LTSB are not obliged to send you a copy of the agreement in response to a Subject Access Request as it is covered under different legislation.. ie CCA1974 request.

 

If there is anything else that LTSB have failed to provide, then you can make a complaint to the Information Commissioner .

 

If LTSB have issued a default notice then they are very likely going to update your credit records in respect of the lower payments. It is my understanding that they shoud actually state that payments are being made by way of a DMP.

 

Sadly, the Financial ombudsman will side with the Bank in matters such as this :(

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If LTSB have issued a default notice then they are very likely going to update your credit records in respect of the lower payments. I

 

The thing is LTSB cannot issue a default notice nor notify the credit reference agencies unless it can prove it has a signed credit card agreement and they are not producing this. Equifax have now removed the account from my records because they have not answered within 21days nor have they been able to prove that they have permission to report the issues they keep saying are taking place.

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The thing is LTSB cannot issue a default notice nor notify the credit reference agencies unless it can prove it has a signed credit card agreement and they are not producing this. Equifax have now removed the account from my records because they have not answered within 21days nor have they been able to prove that they have permission to report the issues they keep saying are taking place.

 

I am pleased that the CRA has removed the entries from your record. However, the ICO will advise that if the Creditor can prove by way of other means eg statements.. that an agreement had been entered into, then they (the creditor) is entitled to record :(

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 months later...

After a long running battle with HSBC over PPI reclaim on a loan the FOS have upheld my complaint.

 

The bank wrote to me with an offer of £x plus 8% interest. I dare not put too much detail on here as the bank clerk on the phone stated that he was aware foolish people are using such forums to get an answer and they are often wrong - spelling out if I do not accept what they offer within 6 weeks then I get nothing.

 

I know there are a number of calculators out there but I am confused.

 

If my PPI was £63 and I paid 36months of payments I know I am entitled to the cost plus 8% but I have been told I can claim back interest on each PPI repayment. The loan was 11.9% per annum.

 

Can I claim for anything from the date of my original complaint which was July 2010?

 

Any help please.

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Hi

 

Have a read of No.1 in my signature and use the spreadsheet at the end to calculate the amount you should be due back.

 

ims

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1. Single Premium PPI Q&A Read Here

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  • 2 years later...

I have a debt with LTSB credit card.

 

I sent a CCA and SAR to them back in March 2011,

of which they were unable to supply me with a signed copy of the CCA

and suggested that by me using the card I accepted the T&C's

- I disputed this many, many times and challenged them to take it further which they did not.

 

During the communications during this time I entered into a debt management plan with them

at an agreed price per month and have been paying this for over 3 years now.

 

Over the last 2 years I have only had 3 statements from them.

The last correspondence was in September 2013 saying that they would cancel my DMP

as I needed to increase the payments.

 

I again challenged this and reverted back to my agreed DMP.

I have never missed a payment.

 

In February 2014 Marlin contacted me to say they now controlled the debt

and that I was to start paying them, and with more money, otherwise they would take me to court.

 

I sent a reply letter asking for copies of notice of assignment, copies of statements etc

and had a generic letter back saying they had the right of ownership of the debt

and to please pay more or go to court.

I have not paid anymore, nor changed to paying them but have maintained payment to LTSB.

 

Today I have been alerted that Marlin have entered a Credit Card Agreement to my Equifax account showing a start date of 07/05/2004,

which was the original LTSB start date, a different account number and a default date of 15/09/2011.

This does not correspond with the date of default on the original LTSB account which was March 2013

 

As far as I am aware LTSB have never fulfilled my original SAR and CCA by supplying the necessary information

and they have not communicated with me during this time.

 

I have had no copies of transfer of the alleged debt nor any communication in respect of what I owe etc.

 

I have worked hard to repair my credit report and settle debts with the amount of money I can afford

and now this is being undone by the entry Marlin have now added on my account.

 

Would my best position be to ask Marlin for a true signed copy of the alleged credit card

I hold with them that they have identified on my Equifax report?

 

Should I send both CCA's and SAR's to both LTSB and Marlin?

 

Any advice would be appreciated.

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a CCA request goes to whom is after money

 

and sar only ever goes to the Original Creditor.

 

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... 

 

 

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Some details please:

 

 

When was the last payment and/or written acknowledgment of this debt?

You say in Feb. 14 Marlin contacted you was this in writing? If so this was the "notice of assignment"

Did you make a proper CCA request to Marlin enclosing the required statutory fee of £1.00?

As dx has said SAR to Lloyds CCA to Marlin.

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Some details please:

 

 

When was the last payment and/or written acknowledgment of this debt?

I have never acknowledged the debt and have been paying monthly the last being 1st April

 

You say in Feb. 14 Marlin contacted you was this in writing? If so this was the "notice of assignment"

No they wrote saying they now own the debt and to pay them or they will take me to court.

I wrote asking for a copy of the assignment and they have not provided me with one.

 

Did you make a proper CCA request to Marlin enclosing the required statutory fee of £1.00? I havent made a CCA yet to Marlin but will do now

 

As dx has said SAR to Lloyds CCA to Marlin.

Noted
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1. Payment is acknowledgment.

2.The letter received from Marlin Is the NOA.

3. You are not entitled to a copy or sight of the deed of assignment, this is the confidential contract between the creditor and the debt purchaser, a court may order production but all you would see is a heavily redacted document.

 

 

Get the CCA done there is a template in the CAG Library to use, £1 stat fee, use cheque or postal order marked " for statutory fee only" get proof of posting. Marlin have 12 + 2 Working days to comply.

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So the payment arrangement was between you and the original creditor ? If the debt was assigned whilst there was already a payment arrangement in place, and you continued to make those payments, then I think they might have a hard time issuing a claim and saying you are refusing to pay ?

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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So the payment arrangement was between you and the original creditor ? If the debt was assigned whilst there was already a payment arrangement in place, and you continued to make those payments, then I think they might have a hard time issuing a claim and saying you are refusing to pay ?

 

 

Yes the payment plan is still in place with the original creditor and I am still paying.

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There is of course no communication as such between Marlin & Lloyds now.

 

 

I would carry on paying and wait for the CCA result.

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

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