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    • Thanks both,   The only thing I am still not clear on is there were 4 DCA's that were reporting on my credit report and as I complained they have stopped BUT there is no default date on these debts. Can they start reporting these debts again on my credit report if I stop paying.   When I tried to re-mortgage a few years ago I was refused as these 4 were showing as in a DMP. Ofc they are not now as I told them it should have defaulted BUT they werent actually able to add the default date - so in theory could this happen again.   Thanks so much for your help
    • I'm afraid these kinds of stories are all too common with this company. The impression is that they're not too interested in installing and maintaining heating systems – but rather the finance behind it. Did you do this on some kind of finance agreement? Was it secured on your property? You seem to be doing everything on the telephone – and I think it's about time you started establishing a paper trail. You may end up having to arrange your own service with their authorised installer and if that doesn't happen then you may end up having to get in your own repair person. Of course ASG will then say that you are in breach of their warranty et cetera and that they are entitled to recover all their money back. You will have to show that you are a paper trail in them on notice and that they're not responding and then eventually you had to take matters in your own hands and organise your own repair – for which you would be going to them for reimbursement and also you would have to establish that you had no choice and they are fully liable – including the not allowed to dishonour a warranty. I'm afraid the stories we are getting about this company are dreadful and frankly very distressing
    • i don't think the matter of you were told the Decreasing Term Assurance was compulsory makes any difference, it doesn't detract from the fact the FOS appear to agree that disp does apply and you are out of time .   i don't think there is any harm going to the FOS with it..BUT although, and this twigged my memory about DISP ( which didn't exist then) but the ABI code did, and i believe that doesn't cover your situation, i'e , the fact it was made compulsory is not against any guidelines that were around at the time.   you could drill down on the ABI coding and see what it advised about lenders making DTA compulsory, but sure as eggs is eggs, by 2005, when disp had arrived..all lenders were forced or had stopped long before making any type of life cover compulsory. so they knew their mis-selling of such was on the cards   Critical illness cover (financial-ombudsman.org.uk)  
    • Or try email request.   [email protected] Request for copy of Judgment Copy Judgment [email protected] General correspondence
    • I've just tried to ring. Number 67 in the queue. I'm guessing it's better to call earlier in the day!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

BPPM ANPR PCN - failed to pay - part reg only - even though I paid??!!

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just type 

no need to keep hitting quote...




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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come on , this is not your first thread regarding parking problems on this forum so please make yourslef more aware of what to expect and what we expect from you to enable us to help you.


We wnat to see the entrance to the land from the public highway along with any sigsn that are visible as you turn in. We want to see any signs in the car park that are different and we want to see any sign associated with the ticket machine.


Now the machine asks you to enter full reg but doesnt actually say you will be punished if you dont so they have to rely on other signs with the machine if they want this to be a contractual term that costs you money if you ignore it.




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so sign 1 not a  contract but an "invitation to treat" and that means you dont have to accept the other contractual terms on the other signs. read up on this. there are persuasive cases you can quote on this


Tariff board makes no mention af paying more than £4 in big writing so it can be argued that even if the signs create a contract ( the payment  does, not these signs) then the lettering of the £100 charge should have the same prominence as the other main points.

many a claim has been chucked out due to inadequate or misleading signage and to my mind this is inadequate.


so we need to see what the machine says (or signs attached or ajacent to it) that wil be the actual contract)


Now this car park used to be managed by aonther IPC member so try and do some looking back at old threads and use the local paper online facilities to see if you can dig up some bad press on  whoever they were as you can bet that any new co will have terms that are more onerous forced upon them to be allowed to be there.


Also Ashley Kelley also runs 2 other parking cos with remarkably similar names so you will need to see the contract between the parking co and the landlord to see if it is actually the right entity sueing you.


that means you need to ask the DVLA who has accessed your keeper detaisl and why. there is the address in a stikky in this forum, you write as emails get rejected.


If for example if it was bank park Ltd who did the deed you have them for breach of the GDPR and you can ask for more money than they can ever make form parking. They are in trouble at the bank so even the threat of a claim may well cause Barclays to recover anything they can before it disappears.


star being as heartless as they are

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  • 1 month later...

Received a request for payment of £160 from a company called ZZPS, inclusive of a £60 administration charge.


The reason incorectly states - failure to pay for parking. 


This is reason to claim compensation for distress and embarrassment under the GDPR.



An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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They are not allowed to process inaccurate data though. I’ve submitted a complaint by email pointing this out.


I'm just going to ignore


An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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it isnt their data, it is their clients so you will get nowhere complaining . they arent obeying the law in other more serious areas so they arent going to take any notice of a complaint about data prtection

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It’s my personal data that the client has shared with the third party. 








An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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so what do you expect them to do then?

If you are going to spend all your time and energy arguing  an incorrect point then you may well miss out when the next real problem crops up.

 You cant go after a solicitor for doing what their client tells thena dn the same is true for a dca, if their client has the wrong personal data then you go aftrethem, the dca is untouchable on this point

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I have informed both parties that the data is inaccurate - it’s all I can do at the moment. 



An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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