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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      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
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Are Immediate Financial doing me over?


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Hi

 

For £32 they may think it is not worth the grief of chasing it.

 

Personally I would ignore it unless and until it gets a bit heavier (if it ever does).

 

If you are sure of what it is and it is correct then you could pay but don't pay the DCA, pay the people you had the debt with.

 

The more the DCAs are taken out of the loop the better.

 

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  • 3 weeks later...

Hi all again,

 

Just a quick update on things.

 

I sent the unfair fee's letter to IF on the 11/12/2014 and it was delivered on the 15/12/2014.

 

 

Today is the 14th day since I sent the letter and I still haven't had any letters from them.

 

 

How long should I wait until I contact them about this? because they signed for the letter so I know they have it.

 

On another note,

I've had a letter from Credit Resource Solutions Ltd. It titled "Notification Of Debt Recovery Instruction".

It was dated the 20/12/2014 but i only got the letter yesterday (28/12/2014)

It says there a client of "Fusion Photography Studios Ltd" and I have a balance of £691.14.

 

Now Certegy Ltd and Retail Credit Management Ltd was asking for that debt when I was with IF.

Certegy Ltd even sent me a bad copy of the CCA when I sent a request on the 30/10/2014,

 

 

I guess they gave up and passed it back.

 

I've had letters from Credit Resource Solutions Ltd in the past, before the above DCA's started asking for that debt.

 

 

I'll upload the new letter from them and the old one's so you can see.

 

I'm wondering if I should CCA Credit Resource Solutions Ltd just to be safe, anyone agree?

 

Thanks

Andrew

Edited by Ftgab19
left something out

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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as they are acting for their client

 

 

ignore them.

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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Thanks for the reply dx100uk,

 

What about the debt thou? should I just wait until "Fusion Photography Studios Ltd" contacts me themselves? and how long should I give IF?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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you call the shots not them.

 

 

await the next fleecing letter.

 

 

its all threats, let it run

 

 

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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  • 3 weeks later...

Hi all,

 

My brother has just informed me that his credit file has my information on it. What do I need to do to get it removed? Because it is effecting his ability to get credit.

 

We do have the same DOB and live at the same address, would this be why its happened?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Should I just send a letter to the CRA telling them they have there information wrong? Need to get this sorted ASAP because my brother is applying for a loan soon.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Contact the cra. They have set procedures for this.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Either way. I'd do it in writing so you have a paper trail.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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No need for a template. Just tell them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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This is what I was thinking,

 

My letter:

 

Reference No: 00-0000000000

I am writing to rectify several errors on the information you hold on me. I have been informed by a member of my family (brother) that some of my credit file information has appeared on his credit file.

 

The information mentioned on my brother’s credit file:

 

· Mail Order Agency from Shop Direct Finance Company Ltd

· from Express Finance T/a Payday Express

 

I would like this information removed from my brother’s credit file. Please confirm in writing when this has been done.

 

 

I look forward to receiving a full response to this letter within 14 days

 

Yours Sincerely

 

 

Is that ok?

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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If you want it removed from your brothers file, then he would have to file a notice of disassociation. The credit file wont touch it unless he asks.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Your brother needs to contact them. Since JTS on his file they won't deal with you due to the dpa.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Same thing as you ve been saying here.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Will this be ok?

 

 

Dear Sir/Madam

 

 

I am writing to file a notice of disassociation, there are several errors on the information you hold on me. I have found some of a member of my family (brother) information on my credit file.

 

 

The information mentioned on my credit file:

 

 

· Mail Order Agency from Shop Direct Finance Company Ltd

· from Express Finance T/a Payday Express

 

 

I would like this information removed from my credit file. Please confirm in writing when this has been done.

 

 

I look forward to receiving a full response to this letter within 14 days

Yours Sincerely

 

Signed by my brother

 

My Brothers name printed

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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  • 4 years later...

Hi everyone 

 

I’ve come into a bit of money and have decided to pay off most of my debts from my credit report.

I’m just after a bit of advice on how best to go about it.

 

I’m hoping I can do a full and final payment offer with most of them.

I’ll pay the full amount if I have to, but mainly want as much as I can paid off on the report so I can start building up my credit rating again. 

 

I checked credit karma and can find the following on my report. 

 

 

Capital One Credit Card 

£156.52

 

Vanquis Credit Card

£355.00

 

Ocean Credit Card 

£318.00

 

Instant Cash Loans

£492.00

 

NatWest Current Account

£468.00

 

British Gas - Gas Account 

£712.00

 

British Gas - Electric Account

£819.00

 

 

Now I can pay off the credit cards and payday loan happily. But the NatWest account is only overdrawn because of a package bank account fee. 

 

I told NatWest I didn’t want it anymore and they told me they will put me to a normal account. But they then charged me again the next month for the package account. I refused to pay because I didn’t want it and had already asked them to remove the account. 

 

But they kept charging me overdraft fees and that’s why it’s now £468.00. Surely I shouldn’t have to pay if it was there fault for putting me overdrawn. 

 

I can afford to give British Gas £90 a month to pay it off. But would that be enough to get an arrangement to pay on the credit report? And do you still get a bad point even if it’s an arrangement to pay? 

 

Any help would be much appreciated 

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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are all these defaulted?

are all these enforceable?

but it wont improve your score if they are defaulted

that's there for 6yrs regardless..

 

yes pay the util bills off

 

as for the OD ..if its made of their charges then stuff 'em.

id rather go on a holiday with the money..

i

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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Share on other sites

All of them except the Capital One card I’ve been paying that off over the last 3 months so it just saying late payment 4 months not defaulted. 

 

I believe they all are enforceable except the NatWest since it was their fault the overdraft fees have been added that put me in the red with them.

 

I want them to cancel the debt and remove it from the report since I never spent any money and they shouldn’t of been charging me for the PBA after they said they’ve cancelled it. 

 

And I know I can’t get rid of defaults but I don’t want anymore adding I just want to settle as much as I can as quick as I can so I can have a good credit rating again. 

 

I am right in thinking the credit report is a points base system where you are minus a point for each default you have each month and plus a point for each month your up to date? That’s why I just want to pay the debts of quick why I have the money so I can just get plus points each month and improve my credit score. 

 

 

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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