Jump to content


  • Tweets

  • Posts

    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
  • 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

Defaults on file


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3468 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,

 

 

Am I right in thinking that, before an OC can sell the debt on, they have to default me first?

 

 

If so, am I also right in thinking that the DCA who bought the debt cannot, therefore, default me again?

 

 

I have 3 defaults by the DCA which were about 12 months after the OC defaulted me. The original defaults should have disappeared by now , but the DCA defaults are still on for another year.

Link to post
Share on other sites

no they don't have to default you

but the new owner CANNOT change the defaulted date in the summary

if one exists already

 

 

they cannot default you either [only the OC can issue a DN and place a default.]

[that which appears in the summary of the debt

- not the monthly 'markers' in the calendar of the debt]

 

 

a debt buyer can update the markers yes.

 

 

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

no they don't have to default you

but the new owner CANNOT change the defaulted date in the summary

if one exists already

 

they cannot default you either [only the OC can issue a DN and place a default.]

 

[that which appears in the summary of the debt

- not the monthly 'markers' in the calendar of the debt]

 

a debt buyer can update the markers yes.

 

dx

 

So I suppose then I would have to DSAR them to see if they defaulted me and when?

 

Problem with that is,

I have not heard anything since 2008 so don't really want to rock the boat as it all comes off in 6-7 months.

 

 

If I DSAR the OC,

suppose they will contact the debt buyer and start hassling me again

 

 

I remember receiving defaults in 2008 from the OC, but credit file has them down as 2009

Link to post
Share on other sites

you are confusing monthly D markers with the status default date in the debt top line summary.

 

 

is there one?

 

 

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

you are confusing monthly D markers with the status default date in the debt top line summary.

 

 

is there one?

 

 

dx

 

Hi, no I understand the monthly defaults. I have 3 defaults on my file ( default notices issued). I remember getting defaults in 2008 (DN's) but now the credit file says they were issued in 2009. I assumed the DCA that bought the debt issued further default notices a year later

Link to post
Share on other sites

they cannot change the defaulted date the oc placed.

 

 

are you sure this is not just an 'update' to the default date?

 

 

if you have proof complain to the ico

 

 

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

Similar subject so trust ok to post here?

I had a Default notice from NWHL in 2012 for not keeping up mortgage payments. This was for approx £550,000.

Subsequently the amount owing has been reduced to £40,000.

 

Checking my credit report last month I see two things:

1) The entry does not state it is defaulted - it says satisfactory

2) The balance on the NWHL mortgage shows £465,00 approx - a figure I cannot reconcile with anything.

 

I wrote to NWHL asking them to correct the balance, but they have replied stating that as the entry was registered when the default notice was issued they cannot amend.

 

Is this correct? have I

Link to post
Share on other sites

Similar subject so trust ok to post here?

I had a Default notice from NWHL in 2012 for not keeping up mortgage payments. This was for approx £550,000.

Subsequently the amount owing has been reduced to £40,000.

 

Checking my credit report last month I see two things:

1) The entry does not state it is defaulted - it says satisfactory

2) The balance on the NWHL mortgage shows £465,00 approx - a figure I cannot reconcile with anything.

 

I wrote to NWHL asking them to correct the balance, but they have replied stating that as the entry was registered when the default notice was issued they cannot amend.

 

Is this correct? have I

 

 

start a new thread

 

 

of your own

 

 

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

they cannot change the defaulted date the oc placed.

 

 

are you sure this is not just an 'update' to the default date?

 

 

if you have proof complain to the ico

 

 

dx

 

ICO will tell you to make an official complaint to the DCA or Originator before coming back to them, also require copies of original entry also new entry showing dates, problem is the original notice has gone once they alter to themselves

ICO will jot accept that the original entry has been replaced so cannot send copy, yet I sent copies of Default and then sold off to letters , they still were useless as found out in the past!

:mad2::-x:jaw::sad:
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...