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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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DDWales

TPS now BWLegal from 2014!

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Hi all. 

 

My mother has just received the attached invoice request from BW as well as the notification from TPS. As you can see the alleged 'offence' was undertaken in 2014! A number of other online forums have indicated that TPS have just sent out a batch of these across the UK so look to be trying to clear their systems to make a quick buck.

 

This is the first correspondence she has had with them so surely this contravenes POFA in terms of notification timescales in the first instance.

In terms of next steps should she just ignore for the moment as it would seem that TPS/BW are chancing their arm?

 

Cheers!

 

DDW

 


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please complete this:

 

if you must put stuff up please use PDF not post img's to a post.

 

has she moved since parking there?

 


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Ok. Thanks dx. Have filled in and attached accordingly. DDW

 

For a windscreen ticket (Notice To Driver) please answer the following questions....

 

1 The date of infringement? 01/10/2014.

 

2 Have you yet appealed to the parking company yet? No as attached letter is first correspondence from TPS/BWLegal.

 

Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days]

what date is on it No (As above. Attached letter is first contact from TPS/BWLegal)

Did the NTK provide photographic evidence? Have not received NTK or any other evidence apart from attached letter(s).

 

3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) No as did not receive NTK.

 

4 If you appealed after receiving the NTK,

did the parking company give you any information regarding the further appeals process?

[it is well known that parking companies will reject any appeal whatever the circumstances] N/A

 

5 Who is the parking company? Total Parking Solutions.

 

6. where exactly [Carpark name and town] did you park? B&Q, Neath, Neath Port-Talbot.   B&Q have subsequently moved out of this location. Unsure if TPS still manage site.

PCN.pdf

 

No, she still lives at the same address btw. Cheers, DDW


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well no such rule as leaving the site.

they cant keep you there

pers i'd ignore this until/unless you get a letter of claim.

 

so she remembers getting a windscreen ticket?

I doubt it

they don't issue PCN windscreen tickets for that I don't think

will be CCTV capture I bet

 

 

dx


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Hi dx.  Thanks for your response- much appreciated.

 

Just as I thought...no such rule and cant keep you there!

 

She received nothing (no initial windscreen ticket, NTK or anything else) prior to these letters.

If she had received any threatograms or invoices I would have definitely raised on this great site at the time so am very sure of that.

 

I am unsure about CCTV but 100% sure that there was (and still is) no ANPR cameras on that particular site.

With that in mind, (and as this is her first notification) this must surely out of time in terms of POFA.

 

Wouldn't that alone be enough to beat TPS if they do gown down the claims route?

And of course will ignore in any case unless they do. 😀

 


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Just a quick question, as this was 2014, does your mother still own the  same car as  mentioned in the Invoice?   Did she buy it after that date.   Just checking that TPS havent done a recent DVLA check and  a possible previous keeper had the Invoice originally.  If so GDPR breach alert.


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Hi Brassnecked.

No, she sold the car in question approx 7 months ago.

 

Cheers, DDW


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I think that what brassnecked was asking in the above post, was your mother the registered owner of the vehicle at the time of the alleged offence in 2014. Not that it makes much difference to the recommendations to ignore until a letter before claim is received, it is asked to rationalize the fact that no previous correspondence has been received.


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Hi Gick. 

Thank you for your response.

Yes, she was the RO of the car at the time in 2014 but definitely received no correspondence until now.

Cheers, DDW


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Yes thanks Gick, that was the reasoning there, just to make sure there is no chance of any backdoor CCJ or that they have tried it on with a previous keeper's invoice being that the alleged infringement was 5 years ago.  PPC's and BW aren't exactly squeaky always.


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Thanks again.

 

No chance of a backdoor CCJ. I shall sit tight and wait for their next steps.

Appreciate all the responses. DDW 😀

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It really is time that BW legal got a real kicking. They are totally useless. You would think that they would know that the registered keeper and the driver can often be two different people. Therefore they cannot demand the extra 54 pounds since that would only be contractually due  [if indeed there was a contract anyway] by the driver as per POFA.

 

Further is it disingenuous to infer that even if she did lose in Court [highly unlikely with BW legal in charge] that as long as the debt is settled within 30 days a ccj will not be issued.

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Hopefully an acidic letter to BW legal will send them back under their rock if they did send a Letter bfeore claim, shame the courts don't check the numerous dodgy POC's that include the Unicorn Food tax in a claim that tries to  sue keeper..


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It is likely that they are hoping that you wet your pants upon the receipt of a threatogram from a company of solicitors.

I would be tempted to ignore this and see what they want to do next and if it is a LBA then you respond with a reminder that VCS v Ibbotson is the persuasive case here

 

it is unlikely that their clients have the authority of the ICO to go round spying on people's movements and put it to "strict proof" that they do have this authority from the landlord and the ICO

 

that anyone observed leaving the site was contractually obliged to remain there as it would only apply to the driver at the time if in a parallel universe such a clause was enforceable as the keeper wasnt the driver at the time so why are they wasting their time writing now?

 

your mother ought to get on to the DVLA to find out who accessed her keeper details and when.

The DVLA try and avoid telling people the answer because they collude in fraud but don't want to admit their own money grubbing allows other to break the law with impunity

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Thanks lookinforinfo.

BW seem to be quite active at the moment as are TPS sending many old invoices out across the UK. As you state above there are immediate discrepancies and issues...

It seems they (along with most others) try the extra 'legal fees' charge en masse.

 

Thanks again brassnecked.

 

Just waiting for the LBC. My mother has already had 2 text messages from BW wanted her to ring them to discuss a 'personal matter'. Suitably ignored of course.

 

Thanks ericsbrother.

 

Just playing the waiting game now....

In terms of getting in touch with the DVLA,  is this simply an SAR to them with £10 to cover costs?

 

Cheers, DDW


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No just write.

no need to sar..ps which is free now anyway


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just a metter of finding the right department as the DVLA has a dozen differetn poscodes for the same building.

Have a look at Karalius' thread about CEL in east London, he got a response so it will have the details of the correct section to write to.

 

She needs to simply ask who accessed her datails, when and for what stated reason.

The last but may well give her ammunition for suing them for breach of the DPA cos they are likey to had told a lie to get the access ( ie they know that Ibbotson determination gives them no "reasonable cause")

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Thanks dx and eb- much appreciated. Have written to the DVLA so just waiting for a response. Hopefully they will have 'slipped up' here. Ibbotson certainly makes very interesting reading too!

 

In terms of an update, BW have text my mother 3 times and have now sent a lovely follow up threatogram (attached).

 

I've also undertaken some research on the former B&Q parking site in question.

 

The site is now run by G24 Parking, has new signage and ANPR installed also.

 

I'm going to dig around further in the meantime to determine if TPS had initial authority from the landowner and permission to erect their signage back in 2014.

 

Let's see what I can find! Cheers, DDW

 

PCN2.pdf


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the fact they were booted out may well be the reason they are chasing this at a late stage, nothing to lose as far as they are concerned.

WRONG.

 

you check with the council about planning consent for signage and equipment like cameras etc. 2 different laws so 2 permissions needed.

also get pictures of what is there now so you can challenge the veracity of what they say about signs etc as a new parking co with shiny new signs can indicate that they were doing it wrong, not enough or clear enough signs or whatever you want to push with this and they cant say that their sub,ission canbe proved.

 

CEL used to jusy use a computer mock up of sigsn and claim they were just like that in any car aprk when the real photographs showed anything but. throw doubt on one bit of thei claim or evidence and the judge will disregad the whole lot as unreliable. that m3eans you ahve to o the research though.

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Thanks eb! 

 

I have an update....

DVLA letter sent asking for data requests.

 

Have also been in touch with the council planning department and spoke to a lovely lady who totally sympathised as she had recently been caught up with something similar and was very happy to help!

 

I have a telephone call scheduled with her next Monday to confirm if permissions were actually needed by the council

(she couldn't confirm this when I spoke to her but would research for me in terms of private land ownership).

 

In the meantime I checked the planning app portal and can confirm that the council has received no planning for signage or cameras etc from TPS and/or B and Q themselves (there doesn't seem to be planning apps from they new PPC either!).

 

Have attached evidence of this dating back to the mid 1990's.

The only planning permission given has been for security fencing!

 

I have also attached Google Map shots of the site.

I could not go into the car park any further as Maps changes the view to 2016.

 

The photo evidence is from 2011 (none exists for 2014 unfortunately).

 

Looks like there are parking signs as such in those views but when you zoom in they are illegible

- the best I could get are also in the attached.

 

Regards, DDW

BandQsignage.pdf


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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you get pictures of the current lot and use these against them.

 

The whole point of this is to show that no-one can prove what they are claiming and you can prove that it isnt so now.

 

they will try and show a mock up and you can then challenge this by saying whwere is the real evidence that you had 22 signs all a mile high by showing actual photographs where the background is indisputably that site?

 

So for the second time of asking get the pictures of what is there

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Hello, 

 

I have just stumbled across this thread after receiving a PCN, from the same location and also from 2014!

 

I have received 1 letter which i ignored but today received a final warning letter before county court proceedings.

 

Do you have any updates on how the claim is going? any information you can share would be greatly appreciated. 

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best to create a topic of your own please

this one is for advising SSwales.

click create in the top red banner

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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