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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MiniCredit/Kapama wrong information on Credit Reference Agency


mch1991
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I took out a loan in 2012 with a company called MiniCredit, and could not make the repayment on time, this led to ridiculous charges being imposed, and fast forward nearly 4 years, I've obtained a copy of my credit report to see that a company called "Kapama Credit" issued a default in April 2015, which doesn't reflect the actual default date in 2012, and not to mention the balance that states £1049 (for an £80 loan).

 

Kapama Credit are not contactable, none of their email addresses work, this is my only default on my credit report, and I have been flawlessly managing several accounts for the last 3 years.

 

What can I do here? The account that is reported with the CRA (CallCredit) is not a true reflection of the circumstances, and the balance is also made up of 90% of unenforceable fees and charges.

 

Strangley enough, OPOS limited are contactable, and both companies (OPOS and Kapama) share the same directors, Kapama Credit pretty much trade as OPOS Limited from looking on their website, strange set up if you ask me.

 

I invited them to issue proceedings in 2012, but they wouldn't take the account near a court (I wonder why that could be).

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have you filed a notice of correction with the CRA?

 

Also, minimuppets, kapama and opos are all the same company.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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have you filed a notice of correction with the CRA?

 

Also, minimuppets, kapama and opos are all the same company.

 

I have challenged it with Noddle earlier today, so we'll see what happens, it's shocking to think how many others will have this lingering over them for longer than the 6 year period.

 

Surely they cannot misuse personal data like this, especially when they're reporting non factual information to the credit reference agencies?

 

I don't even know why I took out this loan with Minimuppets, it's good to see they got closed down, however it's disgraceful that they can merely trade on under OPOS and Kapama Credit.

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Forget notice of corrections - useless

Write to kapama

Give then 14 days to correct the default date to that filed by the OC in 2012

Else you'll be off to the ICO and seek compensation

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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Forget notice of corrections - useless

Write to kapama

Give then 14 days to correct the default date to that filed by the OC in 2012

Else you'll be off to the ICO and seek compensation

 

Would Google Inc v Vidal-Hall be relevant to this? I have written to them, their email addresses don't work and the email I sent was returned.

 

I will definitely complain to the Information Commissioners Office, but it would be nice to take some form of legal action against them, as they have a duty to accurately record data, and this default would be doing all sorts of damage as it's only a year old when in reality it's 4 years old.

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Write don't email

No need to quote anything

They and the ICO know the rules

 

No need to waffle

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'm interested to understand the relationship between Kapama opos and minicredit. While Kapama and opos are owned by Scott and Kylie Microcredit was owned by an Estonian and now in liquidation but only shareholder is Russian. Can't find the link myself

Any opinion I give is from personal experience .

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