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    • The postcode is an important point. You cannot be in two postcodes at the same time and the contract only covers the F area and not the E area where Met placed your car. See there is some   advantages in with idiots.🙂 The other fact about the electric spaces is that as you are not allowed to park there, the sign is prohibitory so cannot  offer a contract anyway. and another biggie in your favour is you were not the driver and the PCN does not comply with PoFA. I had another look yesterday at the PCN and there is another error since it does not say that the driver is responsible to pay the charge during the first 28 days. Schedule 4 Section 9 [2][b] (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; so that is another nail in their coffin and it s something I would include in  your WS since that is one that every Judge would accept as a failure to comply. As far as their WS is concerned some of them leave it to the last minute to prevent Defendants being able to counteract their claims. However if they leave it too late [ie after the stipulated time] you can email yours to the Court on the last day and complain at the bottom of your WS that you have not received it and therefore you are asking the Court not to accept their WS. In your case it isn't that important since you have a virtual walkover in Court. I would be surprised if they don't concede beforehand. It is a lost cause for them. Not that I would advocate parking in their electric bay in future with a petrol driven car again.🙂
    • I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version. I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version. I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version.
    • Thank you Dave for jumping in yesterday and advising not to send off the letter I wrote. I am sorry Clou but I thought at the time that both car parks were owned by Alliance. Before doing a snotty letter does anyone in your family able to alos drive your car apart from yourself and are you the keeper?
    • Thanks for this. UPS never said they delivered to the wrong address. Tracking just showed as delivered. EBay couldn’t find it for weeks and then said they found it and it had chocolate in it. Something clearly doesn’t add up here.
    • Try to think things through logically & legally - the two go together as the civil court system in England is pretty decent and easy to get your head round. 1.  Say you & I got into legal dispute.  Who could sue who?  Well I could sue you and you could sue me.  My next-door neighbour couldn't sue you and your best mate couldn't sue me because the case would have nowt to do with them.  The same goes for a DCA.  It's not their debt.  They can do nothing. 2.  Of course a DCA can't affect your credit score.  If they could, then there would be nothing stopping you picking on someone you dislike, saying they owed you a billion pounds, and affecting their credit score.  Logically there must be more to it than some daft allegation.  CCJs are issued and credit scores wrecked after a judge has decided on the matter and the losing party has still refused to pay.  With nine grand in play the matter will not magically go away but you need to gen up and seperate daft threats from paper tigers from concrete threats which could really cause you trouble. The others are right - you need to inform the original creditor of your address in order to avoid a backdoor CCJ. Also, why did you decide not to sue UPS who have admitted to delivering to the wrong address which in turn led to the theft of your goods?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Hi All,

 

I have been trawling through the threads and after weeks of searching came to the conclusion that thuis thread needs to be looked into.

 

I, like many others, have had the dreaded "DEFAULT" registered against me some time ago. The question is..... how on earth do we go about getting these removed.

I have tried the usual... SAR request and data protection act demands, but so far have been totally ignored by the four companies involved.

This is really good news in a way, because now i know for sure that there is something they all want to hide. This info they want to hide could be the way to get the defaults lifted. BUT HOW ????

 

Any suggestions and advice welcomed...

 

Jetbags.:)

Consumer Action Group, the forum for all of us.:)

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jetbags...

 

Have you sent a CCA request? if not then send the CCA request and they have 12 working days to supply you with a copy of the original Credit Agreement if after 12 days the they do not respond, and a further month goes by..then they have committed a criminal offence

 

It is at this point I believe you can write to the DCA and ask them to remove any defaults on your CRF...

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Nanna unfortunately, while your are correct, the DCA will probably just ignore you. A more aggressive approach is often required.

Jetbags I would advice that you read this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html and then we can discuss the implications of it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 2 weeks later...

Rory32

 

Hi, well where to begin ??? yes i did indeed send that particular letter to all of them, so far only one has replied. They wanted me to provide utility bills from 3yrs ago !!!

A little chat with the OFT soon got them thinking straight. They are now in the process of sending ALL details so this is a wait and see at the moment.

One of the others have just refused to send me a copy of the original default notice, a letter reminding them of their obligations is on its way, but it never ceases to amaze me the lengths these people will go to in order to con us even more !!

 

Does anyone here know of the correct procedure and legal standing for demanding a copy of the default notice ??

I seem to be flying by the seat of my pants a little and would welcome some confirmed advice/guidence.

 

keep up the good fight all....

 

Jetbags

Consumer Action Group, the forum for all of us.:)

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I'll have a look jetbags and get back to you.......keep fighting - you'll get there eventually.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I'll have a look jetbags and get back to you.......keep fighting - you'll get there eventually.

 

 

Thanks Rory,

 

I must admit that before finding this and the grumbletext site, i was very anxious as to how to approach these people, this site especially has been like a lighthouse in a rough sea to me.

I greatly welcome all the good advice and practices that are debated here, now i can strangely say that the fight is almost becoming enjoyable !!!

How weird is that ???

 

Look forward to hearing from you in due course.

 

Jetbags

Consumer Action Group, the forum for all of us.:)

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Jetbags, hopefully this should cover what you want to know Remove Default Notices on a Credit File - We show you how

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Jetbags, hopefully this should cover what you want to know Remove Default Notices on a Credit File - We show you how

 

 

Rory,

 

As always i am indebted to the excellent advice gained here from members such as yourself.

Very much appreciated.

 

Jetbags

Consumer Action Group, the forum for all of us.:)

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  • 4 weeks later...

Hi,

 

A quick update..... I contacted Experian after requesting they remove unsubstantiated info from my file, they told me that they will not do this untill i purchase my credit file from them !!!

 

CAN ANYONE ADVISE ON THIS ?

 

Jetbags

Consumer Action Group, the forum for all of us.:)

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I contacted Experian after requesting they remove unsubstantiated info from my file, they told me that they will not do this untill i purchase my credit file from them !!!

 

They actually won't do this until the creditor agrees to it or you file at court for the creditor and CRA processing inaccurate data.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi all,wondering if anyone can help.I wrote to EGG asking for a copy of my CCA and default notice that was issued.They sent the CCA but with the default notice they said,

"In respect of your request for a copy of the default notice.whilst we are under no obligation to provide a copy of this default notice,i have enclosed a copy of the computer screen confirming details of it's issue and it has been registered in accordance with the correct procedure.I also enclosed a copy of your latest statements.this includes information as to the current status of the account EGG is under no obligation to provide you with the deed of assignment as our Terms and Conditions state that we may sell accounts to third party companies"

 

Is it right that they don't have to send a copy of the default notice and deed of assignment?

 

Thanks

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Is it right that they don't have to send a copy of the default notice

No. CCA1974 s87 states that they do, s88 states the prescribed form of the default notice. The information in the default notice must also comply with the Consumer Credit (Enforcement, Default and Termination Notices) (Amendment) Regulations 2004.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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With regards to a deed of assignment this would only have to be disclosed if the case went to court. However, by previously being denied this you can raise the issue of disclosure.

 

A legally valid Notice of Assignment is however required to be sent to the alleged debtor.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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