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    • doesn't matter you've admitted about the DN and anyway where have you done that and to whom?   by assignment arrows are the creditor regardless to your acking of that fact or not.      
    • Just ignore the letter.   Block/bounce their emails or let them come through so you know what they're up to, and keep us posted.............   😎
    • Thanks DX,   I've already admitted that a default notice was served in 2010 by MBNA, so it seems I might be left hoping that they're unable to produce the original CCA.   I've never acknowledged Arrrow as the creditor and continue to pay MBNA.  Is that in my favour?   Cheers,   Richard.
    • For PCN's received through the post [ANPR camera capture]       please answer the following questions.       1 Date of the infringement  10/07/2019       2 Date on the NTK [this must have been received within 14 days from the 'offence' date]  12/07/19      3 Date received  13/07/19      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?  yes      6 Have you appealed? [Y/N?] post up your appeal]  yes  Have you had a response? [Y/N?] post it up  yes      7 Who is the parking company?  Civil enforcement      8. Where exactly [carpark name and town]    10B QUEENS ROAD, CONSETT, DH8 0BH       For either option, does it say which appeals body they operate under. Yes    …………………..     This is what I sent to CE appeal in my own words   Reason For Appeal: Firstly I had an appointment at that time with the dentist. My last visit 2 years ago the car park was free and was not aware of the new parking system.   The sign at the front is very obscure especially turning right into the car park. Where I did park, the sign opposite was turned 90 degrees making it hard to see.   The door at the surgery was wedged open when I entered not realizing there was a sign relating to the new system . I cannot remember if there was any signs inside the surgery but once in I always pick up a magazine to read until the dentist is ready to see me.      My statement and evidence to POPLA. in response to CE evidence highlighting main arguments.   Par 18 . The image submitted from the Appellant of a sign slightly turned is still readable and is not obscured...….. Me Not from where I was parked. A photo from the bay shows a pole with the sign facing away.  Par 18 . Furthermore, it highlights that the Appellant was aware of the signage on the site and failed to comply with the terms and conditions regardless.......  Me I treat this paragraph with contempt. There is nothing to "highlight" here as I maintain I did not see any signage; Regardless ? I could have legally parked right outside the Surgery as there were spaces at the time but having "regard" for disabled and elderly, parked further away having to cross a busy road to the Surgery. Par 20....,. Furthermore, the Appellant failed to utilise the operator’s helpline phone number,,, (displayed at the bottom of signage) to report the occurrence, or to request advice on what further action could be taken.... Me How could I have done this ? I only realized there were signs there when the PCN arrived. Summary. I stand by statements and maintain that I did not see any signage entering or leaving the car park. The main sign at the entrance is too small and easily missed when you have to turn right though busy traffic and once through carefully avoid pedestrians, some walking their dogs. The main sign is blank at the back. When you leave the car park I would have noticed the private parking rules if the writing was on both sides. Roadworks signs close to the parking sign at the time did not help either. [see photo] CE evidence is flawed, illegal and contemptuous. Photos submitted are from months ago, Today I have driven into the car park and noticed the same signs turned 90 degrees including the one opposite my bay. CE have done nothing to rectify this disregarding my evidence and the maintenance of the car park. Showing number plates is a total disregard to patients privacy and I object to these photos being allowed as evidence on the grounds that they may be illegal.    POPLAS assessment and decision....unsuccessful   Assessor summary of operator case   The operator states that the appellant’s vehicle was parked on site without a permit. It has issued a parking charge notice (PCN) for £100 as a result. Assessor summary of your case   The appellant states that he parked on site to attend a dental appointment. He states that the terms of the site had changed since the last time he parked two years ago. He states that signage at the entrance to and throughout the site did not make the terms clear. The appellant has provided various photographs taken on and around the site. Assessor supporting rational for decision   The appellant accepts that he was the driver of the vehicle on the date in question. I will therefore consider his liability for the charge as the driver.   The operator has provided photographs of the appellant’s vehicle taken by its automatic number plate recognition (ANPR) cameras. These photographs show the vehicle entering the site at 14:17 and leaving the site at 15:13. It is clear that the vehicle remained on site for a period of 56 minutes.   Both the appellant and operator have provided photographs of the signs installed on the site. The operator has also provided a site map showing where on site each sign is located.   Having reviewed all of the evidence, I am satisfied that signage at the entrance to the site clearly states: “Permit Holders Only … See car park signs for terms and conditions”.   Signs within the site itself clearly state: “DENTAL PRACTICE PERMIT HOLDERS ONLY … ALL PATIENTS AND VISITORS MUST REGISTER FOR A PERMIT AT THE PRACTICE RECEPTION ... IF YOU BREACH ANY OF THESE TERMS YOU WILL BE CHARGED £100.”   The signs make the terms of parking on the site clear, are placed in such a way that a motorist would see the signs when parking and are in line with the British Parking Association (BPA) Code of Practice.   The operator has provided evidence to show that a search for the appellant’s vehicle has been carried out against the list of vehicles for which a valid permit was held on the date in question. The appellant’s vehicle does not appear on this list.   The appellant states that he parked on site to attend a dental appointment . I accept that this may have been the case, however I do not accept that this entitled the appellant to park on site outside of the terms.   The appellant states that the terms of the site had changed since the last time he parked two years ago. The operator’s photographs of the signage on site are dated 27 March 2019.   It is clear based on these photographs that the terms had been in place for at least three months by the time the appellant parked, which I am satisfied was a reasonable period for any regular user of the site to adapt to any change to the terms.   The appellant states that signage at the entrance to and throughout the site did not make the terms clear. He has provided various photographs taken on and around the site.   As detailed above, I am satisfied based on the evidence as a whole that signage made the terms sufficiently clear. I am satisfied from the evidence that the terms of the site were made clear and that the appellant breached the terms by parking without registering for a permit.   I am therefore satisfied that the PCN was issued correctly and I must refuse this appeal.   docs1.pdf
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CaptainBalrog

Good credit score mauled by vodafone **Sorted.. NOT. Still ongoing.**

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Hi

 

Seems a common complaint but just thought I'd add my voice and seek advice.

 

Stop me if you've heard this one.

 

My fiancee left her vodafone contract early due to extortionate billing and general incompetence.

 

She payed the agreed settlement figure.

 

Then vodafone billed her for another small payment. Around £30.

 

She then entered into a dispute with them over this extra payment.

 

She was unaware that vodafone had registered a default with the credit reference agency until she tried to get credit.

 

She complained to vodafone. No joy.

 

In the end she agreed to pay the amount on the condition that the default would be removed from her credit history.

 

Vodafone agreed to this.

 

She payed. Her credit history remains unchanged.

 

I have taken over dealing with this as it has got to a stage where it is causing her serious emotional distress.

 

I contacted the CEO Office.

 

They asked for some details.

 

I provided them.

 

I received no response.

 

I contacted the CEO office again and stated that if they did not intend to resolve the situation i would require transcripts of any conversations they had with my fiancee.

 

No response.

 

Then they phoned my fiancee and said that they would have to fill out a form and send it to the credit reference agency. They said it is the credit reference agency's responsibility to rectify the situation.

 

That's the story so far.

 

I cant believe it! Her credit score is way higher than mine. It's 990 plus! But because of this thing with vodafone we cant do anything that requires money. We cant travel, buy a car, remortgage either of our houses jointly, get married, or even open a new bank account as we discovered today!

 

I hope I've been doing the right things to try and get this sorted out but i don't really know.

 

I thought that if you asked for transcripts they would have to provide them under freedom of information or something?

 

It's a whole new experience. Any advice would be much appreciated.

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If Vodafone have told the CRA that the default is to be removed, then yes, complain to the CRA. However, have VF actually done this ??

 

Do you have it in writing that they will remove the default ? I guess not as you say you are attempting to obtain phone records.

 

You will NOT obtain these under Freedom of Information. You will need to send a Subject Access Request to VF - it will cost you £10.00 they have 40 calendar days in which to respond.

 

Draft request linked below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**(1-Viewing)-nbsp

 

Meanwhile you might want to follow the instructions to contact the CAG Vodafone rep which are in the 1st post of the link below. You will be given a reference number, which you should post in THIS thread and Lee will then look in and take up your case for you.

http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems-**UPDATED-November-2014**


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

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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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Excellent, I am sure Lee will look in on you first thing tomorrow.

 

I have popped the reference in your title as well so he cant miss it :)


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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Oh dear, oh dear! VF customer services saying one thing without meaning it! Who would have thought eh?

 

Actually, this is a regular ploy used by staff. They promise that the default will be removed when all that means is that they will mark the file as 'settled'. This means nothing as it is the default that is the killer.

 

I hope Lee will be able to help as he has seen this before.

 

You should get a deadlock letter if VF refuse to assist you and then take it to the Information Commissioner. A default for £30 does not reflect a true picture of her financial situation.

 

Also, she could write a 'Notice of Correction' which can be up to 200 words and have that added to the offending default. Theoretically any new creditor is supposed to read that when making decisions.


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Hi

Just wanted to say that this problem was resolved very quickly once Lee became involved.

 

This was a huge issue for us and we are very grateful. Thank you Lee.

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Hi

Just wanted to say that this problem was resolved very quickly once Lee became involved.

 

This was a huge issue for us and we are very grateful. Thank you Lee.

 

Great news. Has the default been removed as yet? If yes, I will mark this thread as resolved otherwise I will wait for the removal then mark as such.

 

You may wish to leave things as they are but if you have lost out financially because of this then you could make a claim for compensation.


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Yes the default has been removed.

 

I don't think we have lost out financially. We were just not able to progress with anything while that default was there.

 

So I'd say we're just happy that the situation is resolved.

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Cool! I have marked this thread resolved.

 

One word of caution if I may. Keep an eye on your credit file...Just in case the default re appears.


If you are asked to deal with any matter via private message, PLEASE report it.

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Hi

 

So something unexpected happened.

 

We looked into getting a loan again. Long story short we couldn't because to turns out the afore mentioned default has only been removed from Experian; it still exists on Equifax!

 

Not sure how to proceed here. I still have all the emails that relate to this but the From addresses look a bit generic. Not sure it's worth replying to them after this much time.

 

Anyone had this experience? Could do with some advice before i do anything.

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I think perhaps you should make contact with Lee again, Captain B. If you have been refused a loan because of this then I think you are entitled to look at some form of compensation, this time.


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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Hi

I tried the email address from the last communication we had with Lee but I got a response back saying it is not used anymore.

 

Then I tried the directorsupport email and got a reply back saying i don't have an open complaint and should go to the vodafone help centre.

 

I've called the help line before and been told vodafone dont have a complaints department so that's a nonstarter.

 

I've just opened a live chat window and the wait time is 30 minutes!

 

So it looks like I'm back to square one.

 

Truly appalling customer service!

 

Just about to start the whole process again. Can this thread's status be changed back to unresolved?

 

I should say that vodafone pitched the removal of the default as a gesture of goodwill which suggests they feel there was no wrongdoing on their part. However, my fiancee feels that this situation came about as a result of misinformation and gross mismanagement on the part of vodafone.

 

Is this a tactic they use to deflect potential legal action? I'd like to know if anyone out there has any experience of this as we are being advised by various people - including my own legal representative - to gather evidence with a view to seeking compensation.

 

The main problem - as i'm sure many of you are aware - is that the various declined credit applications made during the time that we were unaware of the default have caused long term damage to my fiancee's credit rating and therefore to our quality of life.

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I have changed the title again for you. It may be that Equifax take a bit longer.

 

I will PM Lee to see if he can drop in to assist


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi again

 

I've not heard anything from the various avenues of communication i have tried so i decided to kick the process off from the start again.

 

Here's my ref 9931590

 

Lol!

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I think Lee might be on holiday as he hasn't been here since the 24th so my PM to him will have been missed. Hopefully one of the others at VF will pick this up now you have raised it once again.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi

 

Has anything happened with this?

 

Not sure if my fiancee has missed an email or if no one has got back to her.

 

Hope this gets resolved soon as it is now in danger of derailing our wedding plans!

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Hopefully this should be the end of it. I won't edit the title for a month. Can you check your file in May to ensure this doesn't happen again


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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This has become a joke, for the past 7 months you have been telling me that your systems are upgrading, something about moving the old migration to the new system, I don't know what is going on but for the past 7 months you have consistently suspended my line every month when I have a direct debit set up but you are not taking the money out, every month you confirm and say my direct debit is active and then do not take the money and suspend my line, now you have taken this too far by putting a default/late payment on my credit history which in turn has resulted in me being declined for a mortgage. I am so tired and regret ever joining Vodafone that I really just want to end this contract.

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I wonder why Vodafone topped the list of most complained about mobile company. Oh yeah, Poor excuse for customer service. Just because they are migrating systems should have no detrimental affect on you however, now that you have been turned down for a mortgage you have suffered a loss and that loss should be compensated for by VF.

 

Only do this if you are willing to follow through. Send a letter before action giving them two weeks to rectify their error and pay suitable compensation. Should they fail to resolve the matter, sue them. You have most of the evidence but if you haven't sent them a SAR, now is the time to do so.

 

This is very poor practice from VF.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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