Jump to content


  • Tweets

  • Posts

    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
    • Hello, I am wondering if someone can advise. I sold some goods via an online platform who essentially middelmans and authenticates luxury goods.  I have sold over 100 times with them in the past without issue but a while ago I had a sale go wrong, whereby they claim they never received the shoes in the parcel and instead received empty boxes. They wont show any photos of what they received. I considered whether to pursue them or the courier, and decided to pursue them because the UPS tracking indicates no issues at all, but also because they are the ones that contracted with UPS.  I sent them a PAPLOC which they claim was "lengthy and pre written" which is true because I simply adapted a previous one. They rejected any resolution so I issued a claim using an adapated thread from this forum from before against i believe evri. Anyway they filed a defence which essentially says that they think I shipped empty boxes and never shipped the shoes and am commiting fraud. However, I have weight records of every parcel I ship (and have done since 2019) and they have provided no evidence to support their claims. They also failed to comply with CPR request for inspection of certain documents within their defence, such as a report by their authenticator who they claim emptied the box (Although I know this is false because they have had literal job offers for "Warehouse staff" with the job description of opening and sorting incoming orders (OWTTE) so I also think here that I have a ground that they are trying to mislead the court, which once again is likely to obstruct the just disposal of proceedings. The amount is just over £1,000 I'm now wondering whether I should apply to strike out their defence / apply for SJ on the grounds that the defence is totally without merit and will obstruct the just disposal of proceedings by making me wait months for a trial that they are bound to lose and upon them having absolutely no proof to support their claims, and me having weight records, as well as the fact they failed to comply. I am aware the fee for this would be £303 but the trial fee would be £123 itself so the difference is £180. Any advice please?
  • 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

Stopping Payments to Stepchange and going it "alone"


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3432 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

  • Replies 173
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

The ICO has agreed that AP markers to put a debtor at a disadvantage compared to a debtor who has a defaulted account and has made no effort to pay at any time.

 

So yes these can be challenged.

 

 

If you want a letter drafted please let me know.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Ok this can be used for all AP marked accounts or DMP accounts, send by recorded delivery addressed to the Data Controller, you will need to send screen prints of the individual entries.

 

 

Ref: as on any of the DCA/Creditor letters.

 

Unfair Credit Reference Agency Reports/ FORMAL COMPLAINT.

Dear sir,

 

I am concerned that the manner in which (company name) is reporting the account (s) shown in the screen prints attached herewith, the Information Commissioners Office has said that to continue to report ''arrangements to pay'' (AP) after the date when a defaulted account would have been removed from credit files is unfair in that is disadvantages a debtor who has made an effort to repay a debt as compared to a debtor with a defaulted account who has not made any attempt to repay their debt.

 

This situation also applies to debtors who have entered into ''debt management plans'' who are similarly disadvantaged, in my case I would seek to have these entries removed from all credit reference files on the grounds that they are manifestly unfair and place me at considerable disadvantage compared to debtors who do not pay their debts.

 

Please give all due consideration to this matter, as I am fully prepared to refer the matter to the ICO and FOS if necessary.

 

Ok, recorded delivery, just amend to suit each case.

  • Confused 1

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

To the companies who's name is on the entries and the CRAs. all to the data controllers. yes complain just leave til after the hols it wont get any attention otherwise.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

So for once I am mad that the other 3 didn't DF me!!!!! Wish they had. Can they do it after the event??
##

 

There may be a case for challenging the fact that these debt were not defaulted earlier, no a default now again would be unfair.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 1 year later...
I've look through all your thread

 

 

cant see this anywhere

 

 

Nor can I dx.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

did you check with the ICO for their view on it?

Now considered to be The accurate record of the conduct of an account.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I will call them tomorrow.

 

What do you mean the accurate record :-)

 

 

 

UOTE=BRIGADIER2JCS;4609621]Now considered to be The accurate record of the conduct of an account.

 

 

Much has change in regard to the "style" of displaying accounts on CRA files, previously the application of AP markers instead of actually defaulting accounts was considered "unfair" and it was possible to challenge the us of such markers as unfair as they could remain on files for more than 6 years.

 

 

This option is no longer viable so if an AP is entered into that is what must be reported to the CRAs because that is what is accurate.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thank you :-) I will list as much as I can tomorrow.

 

I can't believe that ARs and DMs can be reported on for as long as they're there. It's a true reflection of the account, but at the same time, it's grossly unfair because I will have them there for many years which puts life on hold until my 50's! I should have gone for an IVA!!!

I agree, APs have always been problematical and if still processed after 6 years from the default date/or when the default was perceived to have occurred, one could challenge an seek that the account was retrospectively defaulted, this it seems is no longer an option.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I doubt a mortgage lender would look at them in any favourable way :0( can't even move and rent, and rent our house out because we couldn't get a buy-to-let for our own house! At least the DFs aren't showing now. But I can't pay the rest off, or wait 6 years.

 

I will call the ICO tomorrow when there are no children around.....

 

What's an SD or DRO please?

 

 

SD Statutory Demand For Payment: First Step on the Bankruptcy process if issued one must apply to a court for the SD to be set aside, but one must have a reasonable defence to any CC Claim..

 

 

DRO is a Debt Relief Order. Google it and all will be explained.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi helpful people :0)

 

Just about to write my letters.

 

1. So I need to SAR the OCs to see what fees etc were applied 6 years ago to see whether I can get these maybe taken off any balances. I need to send £10 to each OC (better to get postal order??).

 

2. Then CCA the DCAs to see if I really should be paying them all back or if they're blatantly taking the mickey? Is there a letter for this please? And do they charge too?

 

3. Then start a thread for each debt and see what happens??

 

:-)

 

 

MBNAlink3.gif sold to Idem Servicing September 2012 £2,601

MBNA sold to Idem Servicing Sept 2012 £1,600

Barclaycard assigned debt to Aktiv Kapital April 2011 £2,789

MBNA sold to Moorgate September 2012 £1,617

Barclaycard/Cabot Financial £1,749

Barclaycard/Cabot Financial £4,663

 

 

 

 

Templates for SAR and CCA request in the CAG library.

£10 fee for SAR if you have more than 1 account with any creditor only one fee is needed.

£1 Fee for CCA request 1 fee per account.

 

 

The fees are all Statutory Requirements.

 

 

Yes use POs clearly marked " For Statutory Fee Only"..

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 3 weeks later...

It should be noted that the ICOs view on AP markers has been somewhat altered ( not to the debtors advantage) it now seems to be saying that if an AP is in place is must me reported as such, being a true picture of the conduct of an account.

 

 

As it has always been the ICOs definitions and " requirements" are vague and open top many different interpretations.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

It can do no harm at all and would obviously be to your benefit if they were to comply.

 

If they disagree, then they should send you a response that you can then decide what to do with - eg, make a complaint to the Information Commissioner and certainly to the Financial Ombudsman as I would consider this to be treating you very unfairly.

 

You are paying and will be penalised for far longer than someone who has simply defaulted and who has no intention of paying anything more.

 

 

It is certainly what I would send and have drafted quite a few similar ones over the years.

 

 

The ICO's view has changed somewhat on the status and use of these markers, but as Citizen B says it's well worth a try.

 

 

It must be addressed to the Data Controller at the HO.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thank you both. So I'll send the letter to the Data Controller, HO Barclaycard (& the others) and see what they say. Thanks.

BTW where did you find the template letter?

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

It was from a thread I came across on the money saving expert site. I just copied it ;0) But luckily for the guy who wrote it, he had his credit file changed. So worth a shot as it was recent.

Good Luck!!

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...