Jump to content
  • Tweets

  • Posts

    • 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 
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      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. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Resolved: Repeatedly buying ticket for wrong zones - SWT


Please note that this topic has not had any new posts for the last 1247 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello,

 

I don't have any questions, but I used this forum a lot to read similar cases to mine and as mine has been resolved today I thought I'd share my story as a source for anyone who has the same problems.

 

I have had a gambling problem for a few years, which often leaves me short of money each month. Unfortunately, this led to me making the terrible decision to buy a zone 1-2 travelcard when I live in zone 6 as the station I go to doesn't have barriers. I often work late so I rarely get the train home (usually a cab paid for by the company I work for) and so I justified it to myself this way. I would say that I did this for around a year and a half until I got found out.

 

I didn't get caught in person, I just got a letter from SWT requesting that I attend an interview. I was very panicked, particularly as it was around 3 weeks waiting and the letter only said it was due to an inconsistency either on or before a certain date. I made sure I bought the correct ticket from the day I received this letter, and attended an interview mid April.

 

I didn't take anyone with me, and I'm glad of that. A man came to collect me from the station entrance and was quite abrupt, making me more nervous, but explained that they would ask me questions and they were looking for an admittance of guilt.

 

I was taken to the interview room where it became apparent that this man was a scribe (they were unable to record the interview for some reason). The man conducting the interview put me at ease quickly, he was kind and calm, offering me a break whenever I wanted. I was surprised to see that they had an entire file on me, including my facebook profile picture and my place of work. This worried me instantly as I work for a finance company and therefore any prosecution could ruin my career.

 

The interview took a very long time, around 2 and a half hours in total as everything was handwritten down. Every time they start a new line of questioning they have to re-caution you and this being written down was quite annoying and just made me more nervous.

 

I answered everything honestly. I will admit I thought about lying and saying it had been less months but I had noticed the transcript from my oyster card had a date from 2015, so everything I had read here about them only being able to go back around 8 months is not correct. I was completely honest and apologised for my actions.

 

Once the interview was over, I was taken to get a copy of the transcript, I can't say I particularly wanted it but I was glad I did. The man who conducted the interview took me aside and said it was not up to him what would happen but the likelihood of me being offered a settlement was very likely due to the following reasons:

 

1. I am only 23, and prosecution would likely result in future lost revenue for SWT if I lost my job

2. It was a first offence

3. I had come to the interview and been honest

 

I then had to wait a few weeks, I got the letter a month after my initial interview. My total settlement was offered at around £900, with over £700 of this being admin and operational fees. I will say I was surprised as I was expecting to be asked to pay around 3-4 times this amount. The total avoided fee charge was only £150 which again I was surprised at and very generous of SWT. I am paying the bill today and hopefully that will be the end of the matter.

 

I would like to thank CAG for being a place I could use to ease my mind, there was one thread in particular that I can no longer find that seemed to be very similar to mine that really calmed me prior to the interview.

 

And to anyone who finds themselves in this situation, it is not the end of the world but it is a good wake up call to make sure you make some changes in your life. I'm looking forward to putting this behind me.

Link to post
Share on other sites

thank you!!

 

 

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... 

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...