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    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
    • My expectation was their WS would include the best paperwork, like at least true copies of originals, but these just look wrong somehow, perhaps the font and size of font... Not sending me the DN in CCA request but producing it for evidence I would argue could be a tactic used by them... - Page 11 with ticks - there is no reference to IP addresses - Home addresses are correct for dates in documents   Just looking up example Defendant WS's while awaiting your thoughts on this
    • Hello lovely, just posting to check in to see how you are feeling now? Hopefully your feeling better? 
    • Sorry my redactions made it harder dx. Tick dates are 11/12/2014
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1st Credit help!


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Hi 1st post so please be gentle...........

 

Having a bit of a time with 1st Credit at the moment. I am disputing a debt from, I believe, 1999.

 

I have managed to get Connaught to refer the file back to 1st Credit but now I seem to have hit a brick wall.

 

I requested all the info they hold on me under the Data Protection Act and also a copy of the agreement with HSBC they are referring to.

 

They have sent a print of the computer file, which consists of two years worth of phone calls to a mobile that isn't mine but interestingly it also contains a note of a conversation with a "Scott" at Metropolitan saying I made a payment in 2002!!! which is something in definately dispute.

 

Is this sharing of data allowed under the Data Protection Act?

 

Further they say they will only release the Copy Agreement if I send either my passport or driving licence confirming my signature. Is this right?

 

Could do with a bit of help here

 

Hope this makes sense!!!!!!!!

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Hi 1st post so please be gentle...........

 

Having a bit of a time with 1st Credit at the moment. I am disputing a debt from, I believe, 1999.

 

I have managed to get Connaught to refer the file back to 1st Credit but now I seem to have hit a brick wall.

 

I requested all the info they hold on me under the Data Protection Act and also a copy of the agreement with HSBC they are referring to.

 

They have sent a print of the computer file, which consists of two years worth of phone calls to a mobile that isn't mine but interestingly it also contains a note of a conversation with a "Scott" at Metropolitan saying I made a payment in 2002!!! which is something in definately dispute.

 

Is this sharing of data allowed under the Data Protection Act?

 

Further they say they will only release the Copy Agreement if I send either my passport or driving licence confirming my signature. Is this right?

 

Could do with a bit of help here

 

Hope this makes sense!!!!!!!!

 

Asking or proof of ID is a stalling tactic used by the DCA's, you don't have to send them any ID in regards to a CCA request..

 

Is who they are referring to you for sure?

 

When is the last time you acknowledged this debt? Sounds statute barred to me..

Just hate every DCA out there

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Thanks for replying.

 

I have tried and tried with 1st Credit to state that this alleged debt is statute barred (three letters LAST May that they did not respond to). It was only Connaught Collections, threatening a Statuatory Demand, that started all this again. I requested a CCA from them and they reffered me back to 1st Credit.

 

Do I write again to 1st Credit informing them of their obligation to supply me the CCA, statement of account and the Deed of Assignment?

 

Thanks, in advance, for any advice.

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Welcome to the club Finlay07, I'm currently in a long dispute with this company and I'm now taking legal action against them for harassment and slander. I've also got Trading Standards involved and National Debt Helpline who have informed me that they are covering over 40 similar cases regarding these jokers.

 

When it all started I asked for proof and they've done exactly what they did to you by sending a document that has no relevance to me or the account in question. There also refusing to show me any further evidence relating to the matter even though I've told them I'm entitled to it, they still refuse telling me they'll present it in court if they have to.

 

They're a [problem] company who bully people into paying up for debts that have nothing to do with them.

 

Look at these posts and good luck with your case!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/64655-1st-credit.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/73589-1st-credit-being-fair.html

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Matteus - thanks for that bit of information. I will get in touch with National Debtline and see if it's any help to them to know about a 41st complaint.

 

Though mine is a little different in that I don't owe the money... ever... at all...

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Same here, it looks like a [problem] which they're trying to pull on people. I've been contacted by Abbey who say they've got no record of this and agree that my account I had has been closed since 1997 with a clear balance.

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Update on this.

 

Letter received today saying that they will advising their client about my request for a CCA ( no mention of the statement I also requested) and that this process will take at least a month.

 

I thought they had 12 days to produce the agreement?

 

Lets see what the next chapter is in this never ending saga.

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Finlay07 - that's a standard letter they send to everyone.

 

What happens next is that they ignore it and move on to the next stage of nastygram.

 

If you want to tie them up in knots; use the letter from here to order them to stop phoning you, and send e-mails to them telling them that you refuse to phone their number and that they should write. If my experience is anything to go by you'll keep on getting identical letters telling you to phone.

  • Haha 1

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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if the dca does not respond to a CCA request within 12days, there is then another 30 days period that starts. if after that they continue to harrass you, they commiting a criminal offence! threaten them with court action.

 

you do not have to put up with them.

 

dx100uk;)

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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Finlay07 - that's a standard letter they send to everyone.

 

What happens next is that they ignore it and move on to the next stage of nastygram.

 

If you want to tie them up in knots; use the letter from here to order them to stop phoning you, and send e-mails to them telling them that you refuse to phone their number and that they should write. If my experience is anything to go by you'll keep on getting identical letters telling you to phone.

Gingerheid and 1st Credit. The legend continues. One of the funniest threads on here

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Guest The Terminator
I cca'd First credit back in october and i have'nt anything since, they have gone all quiet....Anyone else had this?

 

I did the same nearly 2 months ago and I've heard nothing.

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Dear Sir or Madam

 

 

Your Ref : xxxxxxxxxxxxxxxxxxxxxxxxx xx

Account number - xxxxxxxx

Sort Code – xxxxxx

 

 

I wrote to you on the xxxxx (letter 1) and the xxxxx (letter 2) asking for some relevant information. I enclose copies of the two letters which were both sent via recorded delivery.

 

 

You wrote back to me on the xxxxxxxx without answering any of the questions put to you in the original letter.

 

 

As 28 days has now passed from the date of the 2nd letter you are now in breach of your duties under Section 78 of the Consumer Credit Act. If you do not answer my original questions and reply within 7 days I will have no choice but to escalate the matter to the relevant authorities including the Banking Ombudsman, Office of Fair Trading and the Information Commissioner's Office.

 

 

Yours faithfully

 

adapt & send this

 

dx100uk;)

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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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...
  • 2 weeks later...

Still very quiet on the 1st Credit front. The 12 + 30 days are up (yesterday) and I was wondering what, if anything, I do now.

 

Do I

 

a) Write to them reminding them of their obligations

 

b) Inform Trading Standards and if so which one. My local one or 1st credits?

 

c) Do nothing for the time being.

 

Any thoughts appreciated.

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Still very quiet on the 1st Credit front. The 12 + 30 days are up (yesterday) and I was wondering what, if anything, I do now.

 

Do I

 

a) Write to them reminding them of their obligations

NO They are well aware of the law. They cannot produce the agreement so therefore cannot enforce it.

b) Inform Trading Standards and if so which one. My local one or 1st credits? Personally I would complain to both

 

c) Do nothing for the time being. Exactly. Have no doubt that your friends in 1st Credit will be along with a bunch of new threats soon enough.

 

Any thoughts appreciated.

 

 

I have given you my thoughts

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Hi Finlay

Just read your thread, very interesting. I too am having a nightmare with 1st credit..see my own thread 1st credt/lloyds who are they! I have sent them a CCA and received exactly the same letter you got re client..month etc. They have missed the 12 days and are now eating into the 30. Waiting until the 25th May to make complaint. BUT 3 days ago I received a letter from LSC Solitiors threatening me with legal action..I followed gingerheids advice and emailed 1st Credit re this letter. Now it is a waiting game again..will watch your thread with interest. Thanks to everybody on this thread for the advice given to Finlay, it has helped me alot too.

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