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    • So there's no tax payable anyway.... nothing to see here!  
    • are you actually going to benefit out of this at all?   I was slightly getting confused here earlier, and forgot you said you are the claimant because you are suing the defendant for the cost of a hire car that you personally haven't had to pay for ?    
    • I received PCN's from TFL and Southwark. 08/06/19 I spoke with Southwark regarding PCN's and thought it was sorted.   Didn't hear anything back until 17/01/20 when my car was taken by Marston EA. TFL & Marston say they sent letters but have no proof.   I emailed TFL (19th June) through their online portal and again, via email on (14th Nov 2019) < the email on 14th has been viewed 17 times but no reply. (so I have proof of contact, they don't) I asked them if they send via recoded delivery/signed for but they do not.   When my car was taken, I received a call from a friend saying it's on the back of a truck, outside his house (which is round the block from mine). I ran round there and the EA was aggressive, shouted at me and refused to show ID/why he had taken my car.   I complained to Marston who denied it but sent me some of the footage. I complained again through resolver.co.uk and Marston lied again. Then I sent ALL my info and evidence etc.   took a few weeks and called me saying sorry and taking full responsibly for their EA's aggressive behaviour etc. TFL are still refusing to comment.   Marston offered me £250 as a goodwill payment but obviously the pain and trauma causes - that doesn't cover it. The police were called when they took my car cause I was so distressed and having a panic attack etc.   I've requested the phone call recording where they accepted guilt and that they had handled everything badly, including lying about the video on Resovler. I feel like Marston know they've done wrong, but TFL still aren't in the know. (to my knowledge)   Also, I requested info from TFL via whatdotheyknow.com and TFL did a data protection breach by uploading my full details including address etc. to a public forum (and I didn't even ask anything specific about my case) so I feel like they did this out of spite/anger.   the www.whatdotheyknow.com team reprimanded them for this and advised me to complain. I also paid £800+ to retrieve my vehicle and I have completed the OOT which was denied. I tried to take it to court but when I tried to do the 'low income' thing but they wanted bank statements which I couldn't get... then corona happened.   I've downloaded/uploaded the ZIP file from Resolver convos.   Regarding the footage: my initial message to them, I made myself seem unaware and 'stupid'   they wrote a generic reply telling me that 'the footage is fine and the EA did nothing wrong' they can't uphold my complaint,   then once they sent that; I sent them the CIVEA rulebook and timestamps in the video to show that they were in the wrong and had further lied in their official response (which must be illegal)   when they received the in-depth response, I think they got scared, went away for a couple weeks   tried to get the nice sounding woman to call me up, say sorry and be really nice then offer me a measly £250.   She also tried to rush me into agreeing.   
    • No it was about under by a couple grand.    Cheers
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Black Horse PPI & over payment reclaiming

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I've been looking at reclaiming PPI from a 2002 loan I got to buy musical equiptment.



After being messed around claiming they couldn't find my account details

I SAR'd my bank at the time and sifted through 1000+ pages of documentation in order to find my agreement number,


160 days after the initial SAR request I was eventually supplied my account detals.

Long story short it was single payment / front loaded PPI payment.


I did however run into difficulties paying the account and it was "written off (term as per transaction description) / defaulted at £520 in 31/07/2003.


What I've since learned was that this debt was sold off to 1st Credit DCA, who subsequently persued me (and me simply not knowing any better thinking I was simply settling one of many debts I had from my younger years)



I made an initial £26 payment on 31/05/2006 as a token of my eventual desire to pay said debt completely.



The following day (01/06/2006) while continuing to settle debts I called Black Horse and made what i was to believe was the final £520.85 payment.due on the old loan.


After saving for a few months more I then contacted 1st Credit and paid the rest of the £525 debt they asked for.


It has now come to light while I've checking old bank statements that Black Horse accepted the final settlment from me while actually not owning the debt having it been sold on to 1st Credit.


Where do I stand in Scotland with regards timeframe to claim the full £525 payment from either party?


Any advice would be appreciated

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do you have all the statements now from BH?

please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.



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I had supplied a typical SAR request to them asking for statements but was supplied a transaction list showing payments etc.


I've redacted it and attached it to this post.

I've highlighted where it says 31/07/203 WRITE OFF 520.85.


It then shows 0 Balance outstanding followed by a repayment 30/05/06 for the outstanding amount and a further adjustment on my account that day.


I was then harrased by 1st Credit up until 08/11/06 when I paid them the outstanding balance again.

(This is especially vivid for me because I had been in hospital for minor operation).



I remember switching my phone on in the taxi home and 1st Credit calling to receive payment n that day.


I then still had issues with my credit file so contacted black horse in late January/early February 2008 with regards to the debt still showing on my report.


Within the SAR black horse provided me a copy of an e-mail conversation (01/02/08) which was themselves redacted to hide "From and To" email addresses however as they used a marker it's clearly easy to seeemails were sent to Central Admin DCA.


Conveniently they state my file was right however I don't believe this was the case considering if you look at the "PASSPORT system screengrab" documentation the following is visible:

On the first copy (February 01 2008, 14:40:45) it states



  • Default Date (31/07/2003)


  • PAYMENT Profile: 001001000122445555DS
    • (this is also the credit file status: OK, OK, Missed 1, OK, OK, Missed One etc all the way to DS - DEFAUlT)



On the second copy (February 01 2008, 14:40:50) it states

  • SETTLMENT DATE: 21/07/03 - Seemingly this was the Default Date on the report 5 seconds before??????
  • STATUS: 8555544221000100100

PASSPORT 2ND Sheet Redacted.jpg

PASSPORT Sheet Redacted.jpg

Transaction List Redacted.jpg


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looks like to me the error was BH's

as you say you'd paid it off to them

then they accidently left the balance at the £5000 odd figure



i'd write to them

inc you proof

and you proof of paying 1st credit as well.

please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.



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