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    • Update on this for you:   Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever.   At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report.   The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata.   As ever, any advice or comments most gratefully received as to how to proceed.   Thanks.    
    • Ok, so I would just ignore demands from ARC for now.   See what they do over the next few weeks and keep us posted ...........
    • click create in the top red banner   dx  
    • ok but that doesn't give us dates.....  
    • DD cancelled roughly a month after they stopped taking payment. Last used the gym a day before they closed. Used it almost daily. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Civil Enforcement Ltd (again!)


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Agree entirely, look how long it took for clampers to be dealt with and how much of a public outcry it took.

 

This lot masquerade as "official" ticketers and don't have the same immediate impact of stopping people driving home, that enraged people previously.

 

wrinx

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I got another letter off these [EDIT] people, same as a previous poster. A Newlyn letter looking for the full charge paid within 14 days else they MAY take me to court, which MAY result in bailiffs and MAY affect my credit rating.

 

Well i MAY be attacked by polar bears on my way to work, and shredded wheat MAY prevent heartattacks. They expect me to fall for this basic, almost childlike "legal" teminology. It's frankly embarrassing. If i followed the instructions of every letter i received i would have paid the original charge, and the extra charge twice to 2 different companies.

 

They're absolute amateurish chancers and i wouldnt trust them to even process a payment successfully even if i bowed to their laughable threats. They CANT take possession of any of my property without winning a case. Do they think i'm stupid? Any caller at my house will be firmly asked to leave, with 999 on my mobile ready at hand.

 

In summary: they're not even competent at their own idiotic endeavours. What chance do they think they have of me giving them money?

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I have just written to BBC Watchdog programme concerning the company Civil Enforcement Ltd.I paid a £60 fine by cheque which was cashed last August.I am now receiving threatening letters from a company called Newlyn PLC,which I believe is run by the same Directors.They are threatening to take me to court for a grand sum of £208.31.I can't wait.

These people are (edit),do not pay them.

 

Please all of you write to watchdog ar the BBC,lets expose them for what they are.

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Sorry to hear of your plight Digger Lady.

 

Such a pity that you did not discover this forum prior to paying this shower.

 

Still, your story is a lesson to us all. Don't pay because of lots of reasons, not least of which, even if you do pay, they will still come after you wanting more.

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Please email watchdog at the bbc.We will expose these people for what they really are.It disgusts me that they are intim,idating old people and that large reputable companies including supermarkets are using their services.

 

Please email watchdog @ the bbc and tell everyone else to do the same

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Is doing absolutely nothing an option?

Having received an initial and now a follow up (7 days to pay) from CEL, how do they know if I have even received them? I understand that the Post Office lose enough mail every year for this to be a credible stance. If they are keen to press then I would have thought that recorded delivery would be a "must". Should I put my head above the parapet and send the first template letter? Thanks for your thoughts.

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Hi, there is a hot debate regarding best tactics to adopt with the [problematic]. Both ignore completely and reply appropriately have their merits. The balance of opinion on this forum is to reply, hence Bernie's template letters being included as "stickies". Do not engage with the [problematic] on their level, certainly do not get involved in their appeals process.

By all means use the templates, it probably won't make any difference to the [problematic], they routinely ignore what you send them anyway, but in the extremely unlikely event that they summons you, it does no harm to your case that you can show that you attempted to resolve the dispute prior to court.

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I shall reply then using the first of the template letters. I believe I may also contact the DVLA and ask to whom they have released my details. Browsing around throws up the following links, and I include them here to save anyone else the search I hope they will be of some use, and if I have gone over old ground I apologise. This "thread" on this site and others is quite large and after a while it is easy to forget what has been read.

 

Lynne Jones MP

This site was last updated in Nov 2007 and essentially discusses the new code of conduct that the DVLA must abide by.

 

From the link above you can navigate to the DVLA and a further search will bring you to some pdf documents that list those companies that are approved for accessing the keeper information by electronic means.

 

Search

The above link is more direct, you might want to add http:// at the beginning, (I couldnt get it to paste properly and that is why it says "search"). Note that in the document dated 5th January 2007 and 22 November 2007 the company Civil Enforcement Ltd is not listed.

 

The Civil Enforcement Ltd Site is at

Civil Enforcement

Note that on this site that no reference is made to being a member of the BPA or The Security Industry Authority ( an important sounding name!!).

However if you find yourself at Creative Car Park Ltd

Creative Car Park

You will see an almost identical site with those "referees" shown clearly at the bottom of the page. Both sites have links entitled "resellers" and maybe CEL is a "franchise"?? or maybe CEL have stolen the other outfits web design. Creative Car Park Ltd may be the Creative Car Park Management Ltd listed in the November DVLA list. Maybe someone has done the research on this latter point. If there is a linkage, I would still question the legality of passing data from one company to the other.

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Maybe someone has done the research on this latter point. If there is a linkage, I would still question the legality of passing data from one company to the other.

 

jet_jockey1 - very good work, and some insteresting information throws itself up in relation to the three companies involved (namley: Civil Enforcement Ltd, Creative Car Park Ltd & Creative Car Park Management Ltd).

 

I have also found this (link: FightBack Forums > Private PCN / Parking Ticket - Wild Bean Cafe BP Gatwick Connect Petrol Station!)

which demonstrates that people have already investigated these three companies in some detail, and makes for some interesting reading:

 

It would transpire, assuming this information is correct, and I can not find anything thus far to suggest it is not - that these 3 companies (Civil Enforcement Ltd, Creative Car Park Ltd & Creative Car Park Management Ltd) are all run (owned) by one Gary Wayne and opperate from 'Virtual Offices' at:

 

DBH House, Nottingham NG4 3BP (link:Nottingham Serviced Offices - Carlton Square) and

 

33-35 Daws Lane, London NW7 4SD (link: Virtual Office & Call Handling)

 

which offer: call answering, call forwarding, call messaging, fax & mail forwarding with 'services' starting from a little as £10 per month!

 

If you look up these three companies at Companies House (link:

WebCHeck - Select and Access Company Information) you will find that:

 

CIVIL ENFORCEMENT LTD used to be CIVIL ENFORCEMENT SERVICES LTD until 11/01/2006

 

CREATIVE CAR PARK MANAGEMENT LIMITED used to be RHAPSODY COMPUTING LIMITED until 22/03/2002

 

CREATIVE CAR PARK LTD is a new business name incorporated 22/09/2005

 

This would in my view answer the question as to why both Civil Enforcement Ltd and Creative Car Park Ltd web sites look identical and use exactly the same images and descriptive advertising, for the very simple reason that they are both run by the same owner!

 

What concerns me most is how on earth a company with such a fickle establishment can have possibly gained creditation to be 'honoured' with the ability to recieve personal private data directly from the DVLA?

 

If one company 'known' to the DVLA can then seemingly pass on that same information 'at will' to ANY other 3rd party, then I ask where is the control to ensure our (the public's) personal & private information is not being missused in anyway?

 

It occured to me that by allowing this situation to continue, an unscrupulouse person or persons could be compiling a national database of all the registered keepers of veichles that are a 'soft' target - in other words, who can be 'invoiced' and 'conned' into paying these 'individuals' money by simply sending out demands for it, in what ever guise they wish?

 

UPDATE:

 

In addition I have just had a responce from 'The Head of Data Sharing and Protection at the DVLA, Mr. Paul Jeffrey's' via my MP in answer to my question about the legitimacy of the DVLA giving out person information - I'll be posting the responce under my original post entitled: The DVLA should be sued under the Data Protection Act? - (link

http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/123302-dvla-should-sued-under.html)

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Mr Wayne's exploits have long been documented.

 

HERE

 

HERE

 

HERE

 

HERE

 

AND HERE

 

AND JUSTIFYING HIS ACTIONS HERE

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Webferret & Sidewinder, thanks for the info ..... it makes interesting reading.

 

I have just been to the 10 Downing Street site where there is a petition against the sort of activity displayed by these private parking companies.

 

Petition to: Create stronger legislation to protect motorists from private car parking companies.

 

I was suprised considering the depth of feeling evident on this web site that only 38 people have signed!

 

Just as an additional avenue of attack, maybe we should support this initiative as well!

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Webferret & Sidewinder, thanks for the info ..... it makes interesting reading.

 

I have just been to the 10 Downing Street site where there is a petition against the sort of activity displayed by these private parking companies.

 

Petition to: Create stronger legislation to protect motorists from private car parking companies.

 

I was suprised considering the depth of feeling evident on this web site that only 38 people have signed!

 

Just as an additional avenue of attack, maybe we should support this initiative as well!

 

Maybe I'm just being cynical but I just have no trust in the government. If you remember the clamping thing, that turned out badly. We were all expecting clamping to be outlawed but instead clampers were given a license. Go on a 5 day course, get a SIA licence and you've got a licence to print money. Who is to say that the private ticketing would not go the same way. I for one prefer the status quo, if you know your rights then you've OK.

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Maybe I'm just being cynical but I just have no trust in the government. If you remember the clamping thing, that turned out badly. We were all expecting clamping to be outlawed but instead clampers were given a license. Go on a 5 day course, get a SIA licence and you've got a licence to print money. Who is to say that the private ticketing would not go the same way. I for one prefer the status quo, if you know your rights then you've OK.

 

I must say that I echo Barnsley Boys sentiment.

 

It's been said that "you should be careful what you wish for you may get it". I think many people thought the SI Legislation would regulate the clamping properly, restrict its use and set fair charges. It has done this to a small extent, some cowboys have been jailed. However the legislation failed to address the whole realm of legality which clamping is based on. It has also failed to address the whole parking contracts issues and given the extortionate amount that most clampers charge for release usually bearing no relationship to any "damages" caused by the alleged breach of the alleged contract, it has failed to address the Penalty Charges issue.

 

Given this I am somewhat sceptical about any attempt by Government to reign in the PPC cowboys with yet more legislation. I would suggest that if the Government really wanted to put a stop to this [problem] they give directions to the DVLA to stop passing out the details of the RK to the PPCs. That would render a lot of these invoices in-effective. However it would in all likelihood mean we would see a rise in the number of vehicles being clamped or other more unpleasant means of making people pay.

 

I think that as long as sites like this exist and people increasingly use the internet then PPC's days of making money through ignorance are numbered. What I think is needed is a high profile campaign in the media to alert people to this [problem] and the ways and means of fighting it. Perhaps one of the consumer affairs programs such as Watchdog might take up the case or maybe "rogue traders". Perhaps a few e-mails from the some on this site might make the programme makers listen - it seemed to work for the bank charges.

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This does not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.

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With some considered thought I believe you are both right!

 

I agree that a high profile campaign would be the best way forward, if nothing else, it would educate those people who feel sufficiently intimidated to part with their money unnecessarily.

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With some considered thought I believe you are both right!

 

I agree that a high profile campaign would be the best way forward, if nothing else, it would educate those people who feel sufficiently intimidated to part with their money unnecessarily.

 

I would exercise caution.

 

I would suspect that if the govt or some quango (OFT) got this onto their radar the result would be that private ticketing would be put onto a statutory footing and we would find ourselves in a potentially worse position.

 

Remember we have a govt who are fundamentally against motorists.

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Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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I would exercise caution.

 

I would suspect that if the govt or some quango (OFT) got this onto their radar the result would be that private ticketing would be put onto a statutory footing and we would find ourselves in a potentially worse position.

 

Remember we have a govt who are fundamentally against motorists.

 

God forbid they lump the PPC's under the control of the SIA like they do with the clampers - I suspect this would be the likely destination if the PPCs were to be regulated.

 

The SIA at the moment seem to be about as effective as a chocolate teapot. If anyone saw BBC Panorama on Monday but it showed the SIA in a pretty bad light.

 

This is a quote from the BBC website "An official close to the top of the regulator of Britain's £7billion security industry has told BBC One's Panorama that the industry is being infiltrated and illegally run by criminals exploiting loop holes in the law." (Full article: here)

 

The last part sounds like a description of the tactics of some of the PPC's.

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Hi,

 

I work for a BBC Consumer Affairs programme titled "Don't Get Done, Get Dom", in which presenter Dominic Littlewood attempts to resolve issues which have arisen between consumers and companies.

 

We are currently filming our third series, and would be very keen to hear from anyone who is experiencing consumer difficulties.

 

If you would like to talk to us, please get in touch at:

 

dom@flametv.co.uk

02072785052

 

Thanks very much,

 

Simon

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Hi all, I'm also a 1st timer on here.

I have one further letter, after i had sent the letter recommended ( in return received the Response to Representation)

 

A letter from Newlyn asking for £208.13? a very intimidating letter, stating they have been instructed by Civil Enforcement ltd to recover the Parking Charge Notice. In very bold "DO NOT IGNORE THIS LETTER" and to call to discuss payment if not "FURTHER ACTION MAY BE TAKEN AT CONSIDERABLE COST TO YOU IF THE DEBT IS NOT CLEARED".

 

So my question is, what now?

I am tempted to instruct a solicitor?

Thoughts and ideas welcome.

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Hi all, I'm also a 1st timer on here.

I have one further letter, after i had sent the letter recommended ( in return received the Response to Representation)

 

A letter from Newlyn asking for £208.13? a very intimidating letter, stating they have been instructed by Civil Enforcement ltd to recover the Parking Charge Notice. In very bold "DO NOT IGNORE THIS LETTER" and to call to discuss payment if not "FURTHER ACTION MAY BE TAKEN AT CONSIDERABLE COST TO YOU IF THE DEBT IS NOT CLEARED".

 

So my question is, what now?

I am tempted to instruct a solicitor?

Thoughts and ideas welcome.

 

 

Don't waste your money on a solicitor. If you read back over a few of the many posts in this thread, you have received the standard threatogram from Newlyn which is about as toothless as my old Grandad. If you feel so inclined to spend the money on a stamp, then write to advise them that the points raised in your dealings with their client have not been answered and that as the matter is formally in dispute. Under the OFT guidelines on debt collection, they must cease collection activity and refer the matter back to their client - they almost certainly won't, but every letter written demonstrates an attempt to resolve the matter on your part.

 

This is following a traditional pattern - Newlyn will probably ignore you then say that the file is being passed back to be prepared for legal action, then you will get a 'last chance' letter from CEL and ultimately the letters will stop, particularly if you send a 'I have told you the situation-you have failed to answer the points raised-now sue me and I will be happy to defend and counterclaim for costs' letter.

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Under the OFT guidelines on debt collection, they must cease collection activity and refer the matter back to their client - they almost certainly won't, but every letter written demonstrates an attempt to resolve the matter on your part.

Is this correct? Anyone got a link to those guidelines. It could be ever so helpful.

 

My issue isn't with a PPC, but an LA, but if it is correct, and they trangress the guidelines, what can be done? My angle is that bailiffs (debt collectors) act on behalf of a body that must be answerable for the actions of their agents. Generally the 'hirer' supports the actions of the 'dogs' even if you continue to dispute the debt because they applied to TEC for this bit of paper and got it. However, if you notify them in advance that the process is flawed, is that enough not to need a PE3, but refer the matter back to teh LA? Indeed, could it be enough ti challenge them not to have applied for an Order for Recovery to overturn in the first place? Some folk at LA's just don't read or answer letters it seems. A telephone operative called 'Damien' once told me 'there's no point writing letters'. How right he was. They get to choose their own fake names.:lol:

 

Or is Public Parking Control different?

Why aren't we revolting?

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Hi,

 

I work for a BBC Consumer Affairs programme titled "Don't Get Done, Get Dom", in which presenter Dominic Littlewood attempts to resolve issues which have arisen between consumers and companies.

 

We are currently filming our third series, and would be very keen to hear from anyone who is experiencing consumer difficulties.

 

If you would like to talk to us, please get in touch at:

 

dom@flametv.co.uk

02072785052

 

Thanks very much,

 

Simon

 

MODS: Could this be made a sticky pls?

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OFT Guidelines HERE as requested.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Thanks, will have a good read when I get back from work - to my second job, reading things like that! What sanctions are there for breaking guidelines? A slap on the wrist?

Why aren't we revolting?

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