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    • Here's something I'm hoping to clarify before I get in trouble for it:   There is a street close to where I live that was transformed into a temporary Pedestrian and Cycle Zone due to a school that's there. I know I can't enter it during those times, but can I be fined for having my car parked on that street while the zone is active? So far I have only heard one interpretation, from my neighbour, who said you can have your car parked there and you can exit the zone while it is operational, oddly enough, but before I take her word for it I want to get some more opinions on the matter.   For reference, here is what the Council's own website states: "It is an offence to enter or drive in an active school Street without a valid school street permit." (emphasis mine) Would this prove my neighbour right or can they still find a different interpretation to it that would carry the risk of a fine if I park my car there?   The sign for the zone is very similar to the image attached below, only different operating times.      
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    • Hi Mr S,   Read other threads here posted over the last year or so.   We pretty much advise the same thing - ignore demands from the gym, their admin company, any DCA they use and any legal firm they use.   No need to engage with the gym or admin company to discuss or argue your wish to cancel - it'll get you nowhere.   If you want to leave the gym now, just give a month's written notice then cancel the DD m,andate .   If you want to cancel from October 2021, confirm this to the gym in writing early October, allow the final DD to be taken in October, then cancel the DD mandate.   You'll see from other threads that no action is taken to claim money and gym m/ships do not affect your credit records.
    • Update on the situation:   Following the run in with the police he has actually gone to the police station himself to question what he was told and was told there is no issue with him idling or moving the car around the car park, so the police officers who told him that were wrong.   As a side note, he knows who it is that's reporting him. Seems to be a bit of a feud between them, but the clarification he got from the police should at least stop them coming around every time a report is made.   Thank you to everyone who replied to this question!
    • I have had another good look around but still struggled to find any templates. I did find a defence on a thread that I have adapted below. I would greatly appreciate some input before I file it. Again, many thanks in advance.   Defence   1. I the Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2. It is admitted that I have had a supply and service agreement with Co-operative Energy in the past. During the period, Co-operative Energy actively blocked me from hanging to a cheaper tariff or switching provider as there was an outstanding balance on the account.   3. Throughout this period Co-operative Energy served estimated bills. This is shown in the one copy of a bill that the claimant has been able to provide. The claimant has given no details as to the full breakdown of their claim and what dates it relates to, so I am unable to defend specifically until the claimant can particularise and quantify its pleadings.   4. Pursuant to OFGEM code of back billing rules the alleged charges are now over 12 months old and relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging.   5. The claimant does not have access to the agreement nor was the Assignor required to retain a copy. Therefore their claim is unsubstantiated.   Pursuant to the civil procedure rules Practice Direction 16 (7.3) Where a claim is based upon a written agreement.   1) a copy of the contract or documents constituting the agreement,  the original(s) should be available at the hearing along with a complete breakdown of how the charges accrued by date and amount.   With the court’s permission the Claimant is put to strict proof to: -   a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim.   6. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   7. It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Cabot Financial-Credit Reference Agencies


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Hi everyone,

 

On 01 April 2015 I paid Cabot in full for an old credit card debt.

 

 

The debt still remains unchanged on my credit file.

 

 

I sent Cabot 11 emails asking when the CRA's will be updated.

 

 

All 11 emails have been ignored.

 

 

I disputed the debt with Experian and Equifax.

 

 

Cabot informed Equifax that the debt was settled in full on 18th April 2015 when in fact it was 01 April 2015, and said it will be updated in May.

 

I eventually called Cabot previously Marlin, and the advisor states they update the CRA's on 25th of each month.

[removed]

 

My credit file remains unchanged and I have no idea what to do.

How can they continue to report inaccurate information!

 

And to add insult to injury, they have sent me a customer satisfaction survey!!

 

How can I get Cabot formerly Marlin to update my credit file?

 

Thanks

 

Eagle

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Oh dear, they had all of the correct documents and the legal right to demand you pay them then?

 

Cabrot will do as they please, the default will remain on your credit file paid or not, for six years, the only thing they

will change is the status of it, and you should only communicate with them in writing/email, never over the phone.

 

You can place a notice of correction against the inaccurate info, stating that you have paid the debt.

And make a complaint to the CRA who is allowing the inaccurate data to be reported on your file.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hiya,

 

Thanks for the reply. Unfortunately they had everything. CCA, default notice etc.

 

 

they way I look at it is it's done and dusted now.

 

I'm going to flip the coin now.

These people are uneducated idiots,

so, I'm going to call them everyday until my file shows settled.

 

 

They have ignored my 11 emails, but they can't ignore my phone calls.

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Talking to the telephone jockeys won't help at all TBH, they will simply say what you want to hear then do nothing and laugh, plus you'll be wasting your time & money.

 

Get onto the CRA and make them do the chasing.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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but it wont make any diff to your credit file nor your rating

 

so I cant see why you ever bothered paying it.

 

if its got a defaulted date its a waste on money paying debts by F&F offers.

 

what was the debt please

 

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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Most creditors have a set date when they'll update credit files. They dont do it as and when you pay the debt.

 

Id give it 30 days from the 18/04 and It'll probably then be updated.

 

Contarary to DX100 says 'if its got a defaulted date its a waste on money paying debts by F&F offers' thats nonsense.

 

Of course its beneficial paying your debts and it DOES make a difference to your credit rating. If you apply for a job, credit or whatever it may be.

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urm..as with some of your other posts,

I think working in the finance industry has clouded or influenced your views

 

if a debt already carries a defaulted date on your credit file

paying it off is going to provide a minimal improvement.

 

and certainly wont allow or favour more credit to be given

 

as for employment they only ever see just the score

unless you provide a full breakdown,

it being paid they will never see.

 

all they will see is satisfied/defaulted. or settled/defaulted or PS/defaulted

 

the killer being you 'defaulted'

  • Confused 1

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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Your statement is ridiculous.

 

As for employment searches you are incorrect. When a company does a employment search, they can see you've defaults but not who with. Obviously dependent on your possible employer and there criteria they may ask more.

 

If your stating having a debt marked as settled or partially settled is no vast improvement on default then that's quite a scandalous comment for a site that's supposed to help people.

 

Back to the initial question, I'm sure Cabot will update it, just dont expect them to do it now. Most creditors and Collections agencies will do it every 30/50 days.

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exactly - they and everyone else see the word 'default'

 

and paying off a defaulted debt does not remove that word.

 

it and the account is on there for 6yrs from the default.

and will vanish on the defaults 6th birthday

regardless to it being paid off or not..

 

..which is why F&F is a waste of a large sum of money in one go

it improves nothing.

 

small monthly payments of

 

if the debt is enforceable ofcourse.

 

I say no more.

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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Maybe you don't understand that people have a conscience and want to clear there debts and have peace of mind instead of looking for easy way outs.

 

Simply saying pay £5.00 is just a unresponsible answer to someone wanting a solution. I think its great Eagle has paid the debt and that it'll be reflected on his credit file.

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ah over to the moral aspect that gets pulled every time everything else fails...speaks volumes

 

conscience is nothing to do with anything here

 

if anyone in the debt industry had any conscience

the fleecers that bought this debt would write it off

 

the OC wrote the debt off.

the debt buyers are simply as usual getting paid free money

to fund their extortion of others by 10'000's of threat-o-grams.

 

sadly the OP wont see any change to their credit worthiness

 

I'd be demanding the debt buyer removed the account

if I ever offered an F&F.

 

however they got had..damage done

 

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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If a creditor isn't being paid what should they do?... Write the whole debt off. That's ridiculous (this comes from me with £8400 of defaults on my credit file)

 

Most people will have a grievance against a company demanding money. Ultimately if its legally correct then its tough. Its a case it needs to be dealt with.

 

Worst thing anyone can do is bury your head in the sand and come up stupid comments regarding just pay them £5.00. You don't know that persons full situation.

 

People come on here looking for realistic solutions to there problems not childish and petulant answers.

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a DCA is not a 'creditor', they don't give credit

in this case they are a 'debt buyer', for prob less than 15p in the pound

they then fleece the debtor for the full amount owing..that mostly going direct to their profit pocket.

 

also in this case the 'original creditor', that probably being 'a major high street bank' wrote the card debt off against tax.

put it in a phishing portfolio

the end of their involvement in any debt.

 

paying something on a debt, where in this case, as the OP says is enforceable, sadly is the only option

but I will always continue to question the wisdom of ever doing an F&F

whereby a debt buyer wont remove the whole account from a credit file.

 

then you say stuff you mate you can have

as you wont help me but simply fleece me instead.

 

that's not head in the sand.

 

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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I know whose advice I won't be following ever...... but you did give me a laugh jordangills. :lol:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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started off well

but have lost their way in 4 yrs

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?323977-Experienced-debt-help

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

 

Ah yes, I seem to recall reading that at the time, and smiling then too!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

your actually pathetic....

 

you offer no proper resolution to people. And when anyone contests your answers your come up with showing a post of mine from 4 years ago. Absolutely pathetic.

 

How about you try and listen (if you can) to peoples issues and queries and offer them a proper resolution,instead of all this ridiculous debt dodging mentality you seem to have.

 

Most people come on here wanting to sort their finances out and in most cases your poor advice would more than likely leave them in a worse situation.

 

Just a bit of feedback

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Lets keep this civil Gents....each entitled to their own opinion.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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I fail to see any advice of ''debt dodging''.

 

I quite agree that debt avoidance isn't the answer, but long gone are the days of large skin head debt collectors hammering on

people's doors to intimidate them into paying money they may or may not owe.

 

And it's because of this that DCA's, send out puerile threat letters designed to threaten and intimidate debtors in their own home.

DCA's despise sites like CAG because they educate and inform the debtor of their true rights, and what they should do in order

to come to a suitable arrangement for them, NOT the powerless DCA.

 

I think £5 a month is a very generous offer, if they don't like it, then they can stick with £1 a month, that is of course after the powerless

DCA has jumped through all of the hoops the debtor makes them jump through.

 

Tough that the financial industry doesn't like it, the shoe's on the other foot now, we're simply giving back exactly what the industry

has been meting out over all of these years, and it's very obvious that they don't like it because we've rumbled them, now we know

all the rules we can play them at their own game!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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and ofcourse there are other firms that don't like CAG nor this type of advice either

 

namely the fee charging Debt Management companies:madgrin:

 

whom like all DMC's free or fee paying

never do any checks upon the legality of someone's debts by CCA requests etc

and by reclaiming PENALTY charges and PPI.

 

they lose their fees

and the commission they get from passing on the debtor to their mates

the Claim Management Companies.

 

because cag advise is FREE

 

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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