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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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British Gas effects credit score because previous bill payer didn't pay up!


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Please click the "Report " link

 

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Hi guys,

 

I recently discovered my credit score has been affected,

 

when I investigated as to why I discovered British Gas held a Query against my name because the previous tenant hadn't paid their bill!

 

I moved into this address in May 2021, I gave a meter reading and set up a direct debit to pay my monthly bill.

 

I have paid without fail since.

Edited by dx100uk
added A few blank lines only..dx
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The starting point with all utilities complaints is to send an SAR.

Send them a subject access request immediately and see what it brings back to you. Then we will decide what action to take.

However, it seems that we have some unlawful processing here which could be worth a decent chunk of compensation if you are prepared to go the distance.

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Hi,

 

I read through the information regarding a SAR & SUBJECT ACCESS REQUEST. I didn't understand what I needed to do next so I contacted ICO by telephone they advised me to go to British Gas website and under PRIVACY POLICY I was able to contact the data protection department - there was also a template letter on ICO'S website that I was able to use. 

 

Was this the right thing to do?

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I suppose it wasn't the worst thing you could have done – but the best thing you could have done would have been to come back here and ask us for clarification.

If you want to take advice from the ICO then you should stick with them. If you want to take advice from us then you should stick with us but trying to ride two horses at the same time is only can cause confusion.

You can be quite certain that the template we have on our website is much better than the ICO's website template. We are far more aggressive and assertive than the ICO which tends to be a bit cosy with businesses.

I think you need to start deciding where you want to go for your support

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In the end I took your advise

You should waste no time making complaint about any breach or potential breach of the new GDPR by any data controller.

 

You can also complain by visiting the ICO website https://ico.org.uk/concerns/

 

If you send an email then you can use the ICO form below below.

 

We suggest that you don't hang around. If the data controller/data processor has not complied with your request within the one month deadline then we suggest that you begin your complaint within the next 24 hours. If you feel that they have breached their GDPR obligations in any other way, such as imposing a formality such as a form, or levying an administrative fee which you consider is excessive, then you should make your complaint immediately.

 

Let the data processor/controller know that you have made this complaint

 

+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

here is the ICO complaints form: –

 

personal-information-complaints-form.doc74.5 kB · 128 downloads

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You get advised by posting in this discussion thread.

If you click the SAR link and go all the way down you should find most of the information you need

And the link which you have posted is a link to an ICO complaints form. It is not linked to an ICO template

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Yes the thread was locked because it is simply an information thread.

If you have any questions then you come back to your discussion thread and ask them. We are always happy to answer your questions or to give you some advice which can take you to the next step

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you click sar 

copy and paste the sar letter text and fill in the relevant details print it and send it off.

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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Can a utility company register a query against a credit record ?

 

Seems like a very odd thing to do, unless you are a customer of British Gas and they checked your record before they set up a credit account for your supply.

 

If you are not a BG customer, there is a central database the energy companies use, so they would see when you registered your details for the supply at the address. But then BG might only do a soft search to see whether you have a link to previous tenant.

We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

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It seems they can! I have spoken to both equifax and British Gas as to why this has happened. I registered with British Gas when I moved into the address, giving a meter reading and set up a direct debit. I should not have been associated at all to that previous bill! 

 

Now that I have raised the issue with equifax there is now a: 

Notice of Correction

This is a statement of up to 200 words that explains any information on your credit report that isn't necessarily wrong but could give lenders a misleading impression. For example, an explanation of missed repayments due to an unexpected event such as a relationship break-up, unemployment or ill health. Once added, a Notice of Correction will stay on your Equifax Credit Report for six years or until you ask us to remove it. Equifax may occasionally use this section to add further details about a court entry in your name or to advise that an entry on the credit report is in query or under dispute. We will remove these once your query or dispute is closed.

 

 

Since 21.12.21 this is now on my account under 'notice of correction ' NOTICE OF DISPUTE - THE INDIVIDUAL CONCERNED HAS DISPUTED THE ACCURACY OF THE INFORMATION REGISTERED AT THIS ADDRESS AND WE HAVE NOW CONTACTED THE SUBSCRIBER CONCERNED. CARE SHOULD THEREFORE BE TAKEN WHEN USING THE DATA AT THIS ADDRESS TO ASSESS THE CREDITWORTHINESS OF THE INDIVIDUAL CONCERNED.

Edited by Theangel1971
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I've received a reply from British gas: 

 

GDPR – Right of Access Request (also known as Subject Access Request/DSAR)

 

Thank you for your email requesting a Subject Access Request. We have separately raised the issue of your credit score with our credit reporting team and will be back in touch regarding this as soon as possible.

 

What we require from you to proceed with the Subject Access Request:

 

We are required to use all reasonable measures to verify the identity of anyone requesting access to their data. This helps us keep your data safe from unauthorised access. In order to verify your identity against the information held against your account we require from you:

 

  • A document from Column A from the identification verification document attached.

 

  • If you also require any details related to banking information, then we will also require a document from Column B (due to the heightened security risk that this poses).

 

The information you send to us is deleted once we have validated your identity and is only used for this purpose. Until we can confirm your identity, we are unable to act on your request.

 

Useful information to provide to us to enable the most accurate and fastest response:

 

  • For us to use our file transfer service we require a mobile telephone number so that when we have completed the request, we can send a password with a code in order to access the link that we send to you – from this link you can download your data.

 

  • To ensure we can locate all of your data, please provide us with a full list of all addresses where you have held products and services.

 

Next steps:

 

Our verification step is required by us to ensure that we verify the identity of those making the request before responding and to ensure that we do not unlawfully disclose any personal or sensitive data.

 

On receipt of the documentation, we will respond to you acknowledging receipt of the request and confirm when you can expect to receive a response from us.

 

 

We hope this clarifies our position and we look forward to hearing from you shortly.

 

Yours sincerely,

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did you include a CTAX bill copy as the sar thread advised?

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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there are numerous posts in our SAR link thread.

obv its not the address you are currently resident at so they are entitled to check who you are.

 

 

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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This seems to be turning into a massive struggle – and I don't really know why.

If you are a resident at that address and you are paying bills from that address, then clearly there should be no question as to your identity and unfortunately these companies like to play this kind of game.

This is already gone on too long and you should have sent the SARs a long time ago. This is very simply comply and get the SAR underway.

 

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I have received a reply: 

Thank you for returning your identification documentation which was received on 04.01.2022. This has now been deleted from our system.

 

We have begun a search of our records for your data, using the information provided by you, to look to complete your request. 

 

You can expect to receive a response from us by the 03.02.2022.

 

Please let us know if you have any questions.

 

Is there anything I can do about how it has effected my credit score?

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Has the credit record search required because you took out an account with British Gas actually harmed your credit record/rating ?

 

Is the harm more because of the debt left by previous occupant of the property ?

 

Can you prove this ?

 

If yes, can you quantify any potential loss value ?

 

If your annoyance is at a level where you want to sue BG, then send a letter threatening to issue a County Court claim against them, because their actions have caused you (state the reasons and potential loss ). Give them a date by which you require them to repair your credit record to avoid the issuance of the Court claim.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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According to Equifax there is now a Q on my account relating to British Gas as of June 2021.

This relates to the bill outstanding from before I moved in.

 

My score has gone from excellent to good because of this. I have spoken to British Gas about this who have so far done nothing about it. 
 

I have also sent them a sar.

 

Before this I have only Green ticks on all of my accounts 

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