Jump to content


  • Tweets

  • Posts

    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

BT Default removal


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3403 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

 

I have checked my credit report and there is a BT default on there for 2011.

I had to get a phone line with them 2009/2010 from September to September as there wasn't a phone line already fitted.

From my memory once the year contract was up in September 2010

I changed my line over to Virgin who were providing my internet the whole time and I get to escape from BT.

 

It shows that I was being charged after September until January 2011 when it defaulted.

I have checked my credit report on and off over the years and never seen it there,

I have messaged Equifax to find out when it was added to my report.

 

I contacted them and CS told me that I had paid and closed account 18th Oct 2010.

I have requested they send me all account information, including bills and payments

and have been told they archive information after 2 years so it's not available.

 

 

Nobody seems in a rush to connect me with someone who can get this default removed so after some googling I see I can contact the CEO.

 

To say I'm angry with BT is an understatement, I hate the company like you wouldn't believe and they have sucked more time, money and have caused me untold stress over the years so I would like to ask for some help with writing this letter to the CEO.

 

Surely I should be able to request the info they have about me, so I can piece it together and if they can't provide this then they shouldn't be able to write something they can't prove about me on my credit file?

 

I am applying for a mortgage soon and this is pretty much my only black mark.

 

Thanks all :)

Link to post
Share on other sites

you can send them an sar and they MUST hold docs for 6yts+ .

 

 

but. if you can prove you were with Virmin

and you owed no money to BT after that

should be easy

 

 

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... 

Link to post
Share on other sites

Update:

I emailed the CEO and

it was passed to somebody in his executive complaints team.

 

 

Took a week for him to get back to me after digging my account out of archive

and tell me exactly what I've told him about the final bill and payment dates.

Not giving me info on what that final bill was for etc..

I've asked them for all my account information, including the contract I agreed to at the time.

 

From what I've read on-line through other peoples complaints

BT didn't used to report to Equifax

I'm guessing the contract I agreed to didn't have anything in it about me agreeing to them sharing my information with Equifax.

 

 

I'm hoping they will just give me this info without me having to request a SAR but I will do depending on their reply to me.

 

This is what it says in the current terms and conditions:

 

By agreeing to take service from BT you also agree to allow us to share your payment history data with BT with credit reference agencies.

If we choose to do so we will share your personal data under contract and in accordance with the Data Protection Act 1998

with recognised and reputable credit reference agencies such as, for example, Experian and/or Equifax.

 

I'm guessing that this wasn't in the contract I would have had which is why it wasn't reported at the time or for quite some time after

- I am trying to find out when it was added to my credit report,

but nobody can seem to give me an answer.

 

 

I am also arguing that I am no longer in contract with them and they no longer have permission

that I may have given them in my contract that they can share my information to anybody.

 

Hoping to get this sorted with minimal fuss... but it's BT so doubt it..

Link to post
Share on other sites

it worked for me with Eon.

but it depends if you left before they changed the terms and conditions.

 

 

they tried to get out of it by saying that an email had been sneakily sent.

and in the small print it stated a change in the terms and conditions

and giving notice to move to another supplier if i didn't agree.

the email they produced just looked like a flyer.

but it didnt matter cos i had switched before then anyway

 

Dear Mr xxxxxx

 

As reported to you, we are in the process of amending our Equifax report in relation to the 6 pts lodged on your record.

This will take up to 7 days to remove, but you have our assurance that this will be completed.

 

I trust that this move meets with your satisfaction, and apologise for any inconvenience caused .

 

Kind Regards

:???: what me. never heard of you never had a debt with you.
Link to post
Share on other sites

This has to be the biggest lesson on keeping better notes with problem companies, bills and payment dates etc.

 

 

I'm hoping that this executive complaints department know their stuff,

but the reply I've had seems so half.

 

 

It just says A final bill was produced for this account on 26/10/2010 for £73.05 The account was fully settled on 24/01/2011.

This isn't anything I don't know already...

but I don't think I would have got the bill October,

not paid it and then decided to pay it January,

 

 

I'd have either paid it or not.

I also believe what I was initially told that I'd closed and paid up 18th October,

which makes more sense with me closing my account in September.

 

I don't know I'm swinging in the dark because 1 week on they haven't provided me with any answers to my questions.

 

 

We'll see what the next reply is and then I'm getting on it, mostly out of outrage!

 

 

How did you find out when they changed the terms, and what terms you originally agreed to?

 

 

Thanks for your reply it gives me a little more hope!

Link to post
Share on other sites

when i left Eon they was just bringing in data sharing. the email arrived while i was a customer but by 28 days notice to accept or leave. i had left. i didn't realise that the email contained this. when i complained they produced the email. but i explained i didn't agree to sharing data because i had left within the 28 days

i left Eon for a better deal

:???: what me. never heard of you never had a debt with you.
Link to post
Share on other sites

That's great, thanks! I look forward to hearing back from them, from what I've read about CEO emails things get sorted quite fast but I've not had a reply today. They have until Monday and then it's going off!

Link to post
Share on other sites

  • 2 weeks later...

I'm getting nowhere with them so SAR it is..

. I am just waiting for my bank to send me a cheque book as I now have my BT account number.

 

The guy hasn't been helpful at all,

hasn't answered my questions and has ignored other things I've said.

I'm guessing this is because he doesn't have any further information but wont admit it.

 

What information do I want?

Bills, payments, acccount notes? Recorded calls? Contract?

Are these available?

Is there anything else I want?

 

I am also interested in something I read somewhere about no longer being in contract with them

so they no longer (if they ever did) have my permission to share my data with anybody.

 

 

Does anybody have any further info on this?

 

 

Because if I am in the wrong and should have paid this bill then this is the route I'm going down.

 

Thanks again all :)

Link to post
Share on other sites

I have used the standard SAR letter and will be sending it recorded Monday morning.

 

I have requested that they send ALL of my information and this SHOULD contain my contract right?

(I'm guessing it was a verbal agreement over the phone).

 

From my experience of working at another (shocking) telecoms place they don't keep hold of this information.

 

If I get it back and it doesn't have this included then I can send them a partial compliance letter?

 

I am holding out hope that they don't have my contract and it will be over and done with then, no contract no problem right?

 

I am actually pleased to be causing them work, time and energy because they've had enough of mine over the years!

Link to post
Share on other sites

theres nothing to say you cant use a postal order

 

their T&C's cover reporting to cra files

 

and the verbal contract as with all phone contracts is good enough

 

theres no need to use recorded

 

simply use the free proof of posting

you can request that when you get the PO at the counter

 

pop it in the envelope with the letter

 

hand in back over the counter

 

just bear-in-mind one thing

 

paying a debt with a default does NOT get the default removed

its there for 6yrs paid or not

if its correct.

 

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... 

Link to post
Share on other sites

  • 3 weeks later...

Hi all,

 

They received my SAR the 18th but

 

sent me a letter saying they got it on the 20th,

 

I know it's only 2 days but the deadline falls over Christmas so it will make a difference to it getting sorted this year.

Plus it annoys me that they think they can just make it up.

 

They kindly sent me out bills for an old account (not in question) and the last 3 bills for the account I'm disputing,

which don't make sense to me, and are so high (no wonder they didn't get paid at the time)

 

Out of them 3 bills there is £60 in charges, for reconnection fees, late payment fees and get this £4.50 to pay any other way than direct debit.

 

Sighhh a month later and not any wiser.

 

I've been assured that 1 default on my file over 3 years old isn't likely to affect me getting a mortgage but now it's just the principle.

 

Can I take BT to court for charges? Looking at all these bills it comes to quite a bit of money..

Link to post
Share on other sites

  • 4 weeks later...

Received my SAR and

 

I have to say my blood is boiling.

 

They have ignored the template I used for ALL information, and

 

this line in particular

 

This Subject access request includes - but is not limited to any data you hold about me in respect

of any matter and held in any form including;

statements, notes, screen notes, recordings, internal correspondence and external correspondence

 

. and what do I get back it's just customer service notes..

 

but get this, only from the last few months,

 

so they have charged me for and sent me notes of the emails we have been sending between us

and that's pretty much it other than a table to show what tariff I was on and when..

 

. So yes I will send the partial compliance template now and

 

I will email the executive complaints man who's been avoiding my questions for months and just hope I get 1 step further.

 

I am non the wiser than when I started..

Link to post
Share on other sites

might not be all of it?

 

 

the 40days are not up yet?

 

 

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... 

Link to post
Share on other sites

Thanks for your reply, the 40th day is the 28th so I doubt there is anything further they're going to send me.

 

This is my reply:

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 17/11/14.

 

 

The disclosure of personal data is incomplete in that at least the following documents are missing.

 

1) You have failed to provide my contract and my terms and conditions.

2) You have failed to provide me with my customer service notes prior to 31/10/14.

3) You have provided no statements, a complete list of transactions and charges.

4) Copies of all calls made and received between myself and BT.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject access request within 7 days, I shall apply to the county court for an order to enforce compliance, together with damages at the discretion of the court.

Link to post
Share on other sites

their reply to me:

 

I’m sorry your request for information didn’t provide the information you had been looking for.

 

 

I appreciate your frustration with this matter.

 

 

I’ve provided details when your final bills were produced and when payment of these was received.

 

I’m unable to remove the defaults from your credit report as they have been applied correctly.

 

 

As you mentioned you would like to take your case to Ombudsman services

 

 

I will now provide our final position on your case.

 

 

You should expect to receive this in the next few days.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...