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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Natwest Loan and new default registered 7 years later...


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I write in connection with the information registered on my credit files relating to the above loan account.

 

This account was disputed in November 2009 when you failed to provide a copy of the consumer credit agreement.

There has been no acknowledgement since that date.

 

Following correspondence from you in October 2011, you were provided with a copy of my letter of 5 November 2009.

 

During the last 8 years, you have continually marked my credit files with ‘late payment’.

 

Despite receiving confirmation from yourselves that this account is ‘closed’, you have now marked my credit file with a ‘default’.

 

Under the regulations issued by the Information Commissioner’s Office at that time, a default should be registered within 3-6mth, given the last monthly payment was made on 20 October 2009.

 

I demand that you amend my credit files immediately to correctly show the actual defaulted date

 

Should this remain uncorrected following 14 days from this letter, i will without further notice raise a complaint about you with the Information Commissioner’s Office and also seek financial compensation for your error.

 

I await hearing from you. "

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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  • 4 weeks later...

So, here we are, that bit between Xmas and NY, where we fill our time sorting things out.

 

I’ve finally had a response from NatWest, outside of the time limit, and it’s their standard “we’re sorry you’re not happy with our service but in order to investigate your complaint we need information...”, i’m sure you know the one.

 

My question is: do I respond to them, or do I go straight to the ICO now?

 

ps, they’re still marking my credit file

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whats the information etc they want?

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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Share on other sites

Sorry, I only glanced at the letter,

i’d Had one before and thought it was the same

 

i’ve read it properly and actually,

they’re simply telling me that they will contact me again,

or after 8 weeks,

i can go to the financial ombudsman,

and inviting me to contact them.

They’ve enclosed a ‘complaint handling leaflet.

 

Should I just wait for them to get back to me within the 4 weeks they’ve said?

 

That’ll teach me to read my mail properly.

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FOS wont really get involved in credit file issues

they'll refer you to the ICO.

 

i'd carry out your threat

off to the ICO now

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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Share on other sites

Sorry, quick question:

 

I’ve just noticed that the letter just received from Natwest is addressed to my maiden name,

despite my being married for 11 years and indeed the letters I have written to them are always signed in my married name.

 

Could there be any significance?

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you should have sent the complaint letter to the ICO day 15

not ONLINE.EITHER

 

off you got.

 

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

  • 2 weeks later...

ICO report done just after I last posted, confirmation of receipt given by ICO.

 

Today, i’ve received a letter from NatWest confirming my complaint is valid, which they will correct within 56 days.

 

They’re also sending a cheque by separate cover, in the sum of £100.

 

Thoughts please?

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mores the point are you happy with that?

 

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... 

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Share on other sites

Hmmm, difficult one. I don’t see that it should take 56 days to correct their error, and of course that is additional time on my credit report. They are saying they sent a default notice in November 2011, which is still later than it should have been - I think.

 

I think £100 is a bit ‘light’ given the length of time they have been trashing my credit status, (it’s the only black mark I have), but it’s better than nothing.

 

ps. At least they got my name right this time. 😋

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then tell them so

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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Share on other sites

NatWest been doing this a lot lately regarding

Credit files

 

Did you suffer any losses or credit refusal

as a result of their actions

 

Seems to be some systemic internal failure

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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paltry for 6yrs of 'damage'

read post 40

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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Share on other sites

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