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    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I've been parking on a retail car park for months now to enable me to go to work,

but suddenly this week I've received to PCN's for 2 consecutive days on the 6/7th April

asking me to pay £100 for each.


Lots of people have said to ignore the charges and I've looked on different forums

who also say ignore it but reading on the CAG forums other people are saying to challenge it.

Not sure what to do.



Feeling very confused and stressed about the whole thing, as never had any parking charges before.


Have driven back to the car park to check for signs

and there is a small sign saying customer parking only on the way in

but no other signs near the parking bays.



As I’ve been using the parking for a few months now didn't realise that I would be hit with fines,

until these sudden PCN's came through the letter box.



When you drive out there’s a sign to say that if you over stay your 180minutes free parking that you will be fined £100,

but this is not made clear when entering the car park.



Tbh I've never taken any notice as the car park has always been for free...

.. as other colleagues have been using the car park as well.


Don't want to pay 2x £100 as i do not believe it was made clear that they had brought in parking charges.

.. and also believe that £100 is ridiculous.


Please can anyone offer me some advice to my best course of action?


Stressed driver!

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ok firstly

please fill this out:





they are not 'fines'

they are speculative invoices



and I hope the signs dont use the word 'fine'

as you have indicated?

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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OK photograph the signs as they must say more than customer parking only.



If that is what the sign at the entrance says and other signs have the bit about 3 hrs parking etc then a piccy of those and an idea of where they are placed will be very useful.


What was the exact date you got the demand through the post

and does it include any photographic evidence or mention the keeper liability under the PoFA?



Post up the NTK if you can.



If not tell us exactly what they say, do not paraphrase or offer your interpretation as the wording is crucial

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Here are the pictures of the car park and signs..


I received both letters through the post on the 18 April

and it has pictures of my car entering and leaving the car park and the amount of time I spent there.


The letter says word for word....


On 07 April 2016 you were the registered keeper of vehicle registration:

******** make: ********* colour: ****** which was parked on private property at:

century retail park, Hanley, Stoke-On-Trent, ST1 5QQ.


By entering and parking the vehicle on our client's private property the driver agreed,

with G24 Limited ('the creditor') to be bound by the terms and conditions of parking shown below.



The terms and conditions were clearly displayed at the entrance to, and in prominent places within, the car park.



In accordance with the agreement, by leaving your vehicle in the car park in breach of the terms and conditions of parking,

the driver is hereby required to pay a parking charge the sum of £100.00

within 28 days of the date of this contractual parking charge notice.


Term breached: Exceeding the maximum duration of stay permitted at century retail park, Hanley, Stoke-On-Trent, ST1 5QQ.


Term applicable: That a sum (''the parking charge'') of £100.00 is payable.


To date, the contractually agreed parking charge had not been paid in full

and we do not know both the name of the driver and a current address for service for the driver.



If the parking charge is paid within 14 days of the date of this contractual parking notice, it will be reduced to £60.00.



If no payment is recieved within 28 days G24 Ltd will forward the outstanding debt to a debt recovery agency,

and the driver may incur additional costs for late payment.


Your are not invited to


a) Pay the unpaid parking charge or;


b) If you were not the driver of the vehicle, to notify us of the name of the driver and a current address for service for the driver and pass this notice on to the driver.


Please be warned; that if, after the period of 28 days beginning with the day after that on which the notice is given

(i) the amount of the unpaid parking charge specified in this notice has not been paid in full and

(ii) we do not know both the name of the driver and a current address for service for the driver

, we have the right to recovery the unpaid parking charge from you, the registered keeper.


Please see the reverse of this notice for further information on how to pay / how to make a representation against the parking charge.


Spelling mistakes include with letter.


Went around the car park to take pictures and as you can see there is not a clear sign with the terms and conditions at the entrance…

. Plus all terms and conditions signs are all facing the perimeter of the car park

….and more specifically there are none in the area where I parked (outside burger king)

which is why I photographed that area.






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the 'creditor' what utter bowlarks

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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Does the NTK contain everything needed to comply with schedule 4 of the POFA 2012??


Check here;



There can be no keeper liability if not, let alone the inadequate signage...

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the signs are not a contract but an "invitation to treat"

so you are then allowed to decide if you want to enter into a contract that is subsequently offered.


"O" level law case study this one,

you go into a shop that has a big sign outside saying 50% off most items

and you go in, select an item not in the sale and ask how much.



the shopkeeper says it is full price and you then cannot

1) force the shopkeeper to sell you it at 50% off,

2) force the shopkeeper to sell it to you at all as the contract is offer

and consideration so you offer the money and he accepts the money

and gives you the goods in return.



Likewise the shopkeeper

1) cannot force you to buy something just for enquiring about his sale and

2) cannot charge you for wasting his time.


The invitation is that sign,

that doesnt say you cannot park without agreeing to the contract offered by another sign somewhere else

so you can park and it is up to you whether you want to consider and accept the rest of what is in the sale.


G24, Excel and others commonly make this error and they have lost at court

because of it so dont be bullied into paying them anything or believing their bs.

they know it is wrong but do nothing

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