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    • Hi.   Could you let us have the information requested in the forum sticky please? This will help us to advise you. In the meantime don't worry too much about this.     HB  
    • So last August my girlfriend went to Legoland with the kids (4 & 8) and her mum and then went to Pizza Express in Windsor. They parked at Castle Car Park.    They paid to park and went to eat. They were then a few minutes late back. There was already an attendant issuing a ticket. The attendant then waited until my girlfriend was over ten minutes late to issue the ticket despite her being there well within any grace period.   My girlfriend appealed to Ultimate Customer Solutions end of August but did not receive a response (they later said they emailed a rejection which my girlfriend never received until it was resent). Then in August she received the first debt collection letter. Then my girlfriend was advised to respond to UCS requesting an Subject Access Request (SAR) which they have not ever acknowledged or responded to.    So then we thought they had gone away until we received a letter from CSB solicitors (same address as UCS) advising they would be beginning court proceedings against my girlfriend. I told my girlfriend to complain that they haven't responded to any of our requests so she called the number of UCS and was basically accused of being rude to the t*** at the end of the phone. She wasn't but he wasn't very helpful and said they had responded to the appeal and sent it again. This was on the 16th January 2020.    On the 29th Jan this was sent after another chase to the solicitors:   I have reported UK Parkings ltd to the ICO as they are in beach of GDPR having ignored my SAR request. Further to this I was not notified that my initial appeal had been rejected and therefore cannot further appeal in a standard way and therefore I am awaiting further advice for ways to appeal against this unfair PCN.   As it stands should you decide to further contact me in regards to this matter without good cause I shall be seeking legal advice as per my statutory rights.   My girlfriend then received another letter from UCS threatening debt collectors (I told her not to worry about this) and so she wrote to the solicitors asking for an update:   Email dated 21/02/2020 I am writing to you regarding my email sent on 29th January, below. I still have not received a response from you and I left a voicemail for a solicitor to call me from CSB Solicitors, which I have also not received. I would like to speak to a solicitor regarding this PCN.   The solicitor responded via email the following: Dear Madam,   Thank you for your email.   Following your email below, we reverted this matter back to our Client for their instructions. We will only be able to respond more fully once these are received.   At this stage we have no further instructions other than to send out a letter to you dated 16 January 2020.   We hope to be able to respond more fully once these are received.   Yours faithfully,   Solicitor   So UCS are not actually doing anything they should do but nobody we have complained to has actually come back to us so not sure where to take this because I don't have time for court and I would rather just have someone take the (insert appropriate word here) to task on these unbelievably poor practices!   Any advice on next steps?   Thanks    
    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
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Hello does anyone know if true blue loans are still in existence. Had a loan with them back in 2015. Only part paid it back and now had a PDP from moriarty law.

 

So was thinking about getting an irresponsible lending complaint into them but can’t see any contact details.

 

They always seemed a bit shady back then

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Do you have any original documentation from them for a loan?

As i think TBL werent a lender in this case...


 

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Do you have any original documentation from them for a loan?

As i think TBL werent a lender in this case...

 

 

Fidelity works trading as True Blue Loans is what it says.

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Had a true blue loan in 2015. Never appeared on my credit file in all that time. Still doesn’t show but I had a pap form through from moriarty lAw. Sent the CAB pap form back asking them to show me that it’s mine etc. They said they’d get back to me.

 

Original loan was for 300 they’re asking for 600.

 

I’m just curious as to why they would have never marked my credit file with it. I did send an irresponsible lending complaint to an email address of them but never had one back to acknowledge it. We’re rhey a bit of a dodgy company

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Each company must first have a reciprocal agreement with one or more of the Agencies, known as the Principles of Reciprocity....before reporting to the Credit Reference Agencies. Lenders must agree to and adhere to these principles to allowing them to check Credit Files during the application phase and also to report account information after an account has been created.

 

Most of us only glance through the terms and conditions before signing on the dotted line, but read through them in full and you may find that by agreeing you agree to your payment history information for that account being reported to the Credit Reference Agencies. With the reciprocal agreement in place and your agreement to the terms and conditions, a company can start reporting payment history information.

 

However, not all accounts are reported, with the frequency of reporting often varying between and within types of credit agreements.

 

Andy


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on the 13th November 2018 they sent a pre court action protocol to me.

i sent the CAB one back, they have now emailed me a load of stuff relating to the loan(3 months later) does anyone want to see if it is enforceable.

 

Not sure if they should have emailed or they should have posted

 

they are claiming i owe £600 when i only borrowed £300.00

 

must add this was in 2015 and i didnt pay any back

 

msut add moriarty law sent this

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Cab one?


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

 

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who's reply form to the pap letter did you use please?

you say CAB...do you mean our one [CAG]


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

 

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Sorry yeh you’re one cag

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Scan their return up to one multipage off

Read upload


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

 

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1-5

 

7-10

 

11-15

 

16-18

Edited by dx100uk
merge 16 single upload removals

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removed all those rinty

 

ONE MULTIPAGE PDF PLEASE

not single pages

else we'll be here all day downloading single ones.

 

dx


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

 

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anyone managed to take a look?

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threads merged.

 

loan was taken over by a sale agreement by SSL capital in 2017.

you recently received and replied to a PAP letter from moriarty [WHO are their clients please]

 

they have replied and that looks acceptable

but you query you now owe £600 but the old loan was only £300

 

you have yet? to do an IRL complaint?


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

 

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i sent one but never got anything back from fidelity works. dont know if they even exist anymore.

 

do i just wait to see if they put court forms through or what?

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Who do moriarty state as their clients??


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

 

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I also notice i've had emails offering 50 percent settlement. i thought they only did this when its uneforcable

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Not necessarily...discounts can be offered when its simply not financially viable to litigate on.

 

 

Andy

 

CAG will be CLOSED due to a major upgrade from 14:30PM Tuesday 26th 2019 for at least 48hrs . The Forum will be available in read only status during this process


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ah ok so have they suddenly decided it is financially viable to litigate if they've sent me a pap.

 

Anyway my question is should i be doing anything at the moment?

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Again not necessarily...they may be testing the water subject to your response to the PaP...PaP is a means of both parties setting their stalls out and provides opportunity to either mediate or come to an arrangement without the need of proceeding to litigation.

 

Complete the PaP and see what transpires.


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So i filled in the CAG pap form and sent it back and they sent back everything in post 19

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