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

Please note that this topic has not had any new posts for the last 1198 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 guys,

 

So this morning I had a letter through the post stating the following:

 

PARKING CHARGE - NOTICE TO KEEPER

 

Vehicle Registration: redacted

Vehicle Make / Model: redacted

Site Name: Ferry Meadows

Period of Parking: Sunday 11 Jun 2017 18:06:52 to Sunday 11 Jun 2017 19:16:24

Reason for Issue: None Payment of Parking

Amount of Charge: £50.00 reduced to £25.00 if paid within 14 days

 

Driver Liability

The driver of the above vehicle is liable for a Parking Charge in the above amount which, at the date of this notice, remains unpaid in full.

 

The charge having been incurred for the reason as stated above and liability for the same having been brought to the attention of the driver by clear signage in and around the site at the time of parking.

 

Register Keeper

 

At the time of this notice the creditor does not know both the name of the driver and a current address for service for the driver and as the registered keeper of the vehicle

 

YOU ARE NOW INVITED TO

(i) Pay the unpaid Parking Charge;

or

(ii) 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

 

Appeal

In the event that you wish to dispute liability for this Parking Charge, within 21 days, (beginning with the day after that on which this notice is given, please provide your full name and address, vehicle registration number and the Parking Reference at the top of this Notice providing your full reasons.

 

Appeals should be sent to (insert email) or by post to Appeals Dept, Unit F the Court, Kestrel Road, Manchester, M17 1SF

 

Appeal decisions should be provided within 28 days. In the event that your appeal is unsuccessful then we will provide you with appropriate details enabling you to lodge an appeal to an Independent Appeals Service. Details of the appeal procedure can be found at www the IPC info

 

Payment

 

Payment should be made at parkwithease co uk, or by sending a cheque to the address above quoting your reference Cheques SHOULD BE MADE PAYABLE TO PARK WITH EASE

 

Today after receiving the notice, I returned to look for the signs, on leaving there is 3, however very small. and often just a P with a £ under it.

 

There is also no signs showing that its CCTV monitored.

 

The time I was there is also incorrect, at the time it states is actually when my car was parked on my drive. - After checking I don't know if this is true. I thought this was issued in July. Looks like I am going to get 2 tickets coming!

 

I would appreciate if someone will let me know what my rights are and if I should appeal.

 

On a side note, if I do decide to pay, there website is not HTTPS protected and who does cheques anymore, so will probably have to call them anyway.

 

Thanks,

Tom

Edited by TKSR
Link to post
Share on other sites

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

did they slap a ticket on the car because this NTK is issued on the basis that a notice to driver was issued.

 

However,

as they have used ANPR to capture the vehicle passing the cameras on entry and exit

they clearly didnt slap a ticket on the car at the time

 

 

they are obliged to send this notice to keeper out within 12 days after the date of the event and allowing 2 days for service

that makes it they should have had this on your doormat by the 26th June at the latest.

 

 

This means they have failed to create a keeper liability and can only claim anything from the driver.

You are not obliged to help them in any way ascertaining who this mystery person is

so DO NOT enter into any correspondence with them.

 

 

Also, the wording of the notice does not satisfy the conditions of the POFA to create a keeper liability

so another reason they cant legally go after you

 

It is clear they have screwed up

let them pay money to dig an ever deeper hole for themselves.

 

If the car park is close to where you are

then provide us with some pictures of the signage and the machines and we will pick holes in them as well.

 

These parking companies are stupid and greedy so they will be writing again.

When they do let us know what they say but for now you do and say nothing to them

  • Confused 1
Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...