Jump to content


  • Tweets

  • Posts

    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

ROLL CALL: Who has sucsessfully had defaults removed?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5167 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 63
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I'm with the #25 and #26 on this one..........could the Mods make a quick note of that pls.....?

Co-Operative bank default removal - succesfull december 2007.

 

Capital One Bank default removal - succesfull february 2008.

 

Co-Operative bank Visa default removal- Claim filed March 2008

 

Smile default removal - ongoing

Link to post
Share on other sites

  • 4 weeks later...

Once again this thread was a great idea by TheAnalyst but it seems to have died. It would be nice to know over the last month or so if there have been more successes, particularly defaults that were not all made up of charges. Many people talk of going to court to get defaults removed, it would be nice to see the successes.

Link to post
Share on other sites

Hi Gooner, I have had success with two, but they were essentially the same wrong information, the third piece of that equation is still ongoing, only achieved a marked as satisfied on a non existent account so still not happy, guess who CAPQUEST!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

The aim of this post is to get an idea of who has sucsessfully had defaults removed from their credit files....

 

Reply with the following information if possible:

 

Name of company that registered the default

Amount of the default

Was the account settled or did it still have a balance

If the default was all/part/no charges

What action did you take & on what grounds did you request the default removal

What (if any) third party was involved (Information Commissioners Office, FSA, Court etc)

 

Thanks in advance! ;)

 

It was some time ago now, but I may have been the first here to use the "no CCA = no default" arguement. That worked for defaults issued by HSBC (3K - settled), MBNA/Link Financial, (7K - 4K outstanding) and a car HP agreement.

Link to post
Share on other sites

Maybelline - at least you were sensible enough to check your credit file and then get the wrong info rectified.

Rose - Were they mostly made up of charges? Mine were partly charges but were all satisfied 3 years ago and within a month of default. Wish I had declared meself bankrupt and not given them a penny.

At least you and the other successes here give us all hope.

Link to post
Share on other sites

  • 2 months later...
Finally had a result which makes the last 5 months and at least 20 letters to various creditors somewhat worthwhile :)

 

RBS have agreed to remove my default and instruct AIC debt recovery to stop pursuing me for £290.

The default of £2560 was made up mostly of charges which they refunded and the remaining £290ish was unauthorised overdraft interest that I would have never had if there had been no charges in the first place.

 

This was after the 4th letter I sent them and had to include copies of all statements and prove from those statements that had I not been charged I would have never been overdrawn in the first place.

 

Should be off my credit files in the next 72 hours ... :D

 

Hi Analyst, I notice on your list Welcome have removed a default -they seem to be digging their heels in over on the WF threads on defaults that are wrong on unenforceable agreements, any tips?

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

two defaults removed after sending surlybonds letter

 

1st credit DCA was originally barclay card

style financial services aka ted baker card

 

 

crh well done, lets hope more successes follow:)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

two defaults removed after sending surlybonds letter

 

1st credit DCA was originally barclay card

style financial services aka ted baker card

 

I think RBS (Style) have taken a decision to settle all Default removal attempts given information I have personal experience of - I can't say more at this stage in open forum, but it appears the Surleybonds letters are having the desired effect at an early stage of the proceedings.

 

Link to post
Share on other sites

ANY PHONE COMPANY DEFAULT REMOVALS OUT THERE??????:confused:

 

I've had Judgment by Default against 2 for O2, but that could be a one-off that is challenged by them anyway? :roll:

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/111666-car2403-o2-wescot-dca.html

 

Have to wait to see what happens next...

 

Link to post
Share on other sites

  • 2 weeks later...

Right, i've had more success! :)

 

the Carphone warehouse have removed the default on my account once I cleared the £260 debt, they changed it from a "8" marker with 1,2,3 & 4 ;late payment markers before it to "S" with 3,3,4,4,4,4 ( :confused: ) before it.

At least the default is gone, its still a result.

 

Welcome Finance .... there was a £3565 default with the full amount still owed. I have sent so many letters to them, they did supply a valid agreement and i was getting nowhere with them regarding no default notice, ppi and charges so yesterday I offered the Lewis Group (Welcome's DCA) £1200 in full and final settlement on the condition that the default be removed completely, THEY AGREED! and I have it in Writing! :o :D

 

Very happy man today :)

 

Just leaves 1 more default (Littlewoods, grrr!) and a satisfied CCJ to remove!

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

Link to post
Share on other sites

I think RBS (Style) have taken a decision to settle all Default removal attempts given information I have personal experience of - I can't say more at this stage in open forum, but it appears the Surleybonds letters are having the desired effect at an early stage of the proceedings.

 

My RBS one removed;

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/110150-car2403-rbs-plc-default.html

 

Link to post
Share on other sites

Hi All

Default was with HSBC for £3400 with illegal charges involved. March 2007 sent letter asking for original copy of default letter as none was received. Had no reply to this letter but hey presto the default was removed from my credit file.

Not all good new though in November this same debt appears on my credit file once again with a name not of HSBC but FV-1 who I have had no agreement ever. In November sent the notice to desist processing data. No reply. Today have sent Data Subject Notice. Anyone any ideas if it is legal for FV-1 to even enter this on my credit file.

Link to post
Share on other sites

Thanks for the explaination I am going to keep notes so I do not forget. I sent the first notice to stop them processing my information which they have completely ignored so I am now sending the second notice which SurlyBonds posted and I have also threatened court action if the default is not removed. I am keeping my fingers crossed.

Link to post
Share on other sites

two defaults removed after sending surlybonds letter

 

1st credit DCA was originally barclay card

style financial services aka ted baker card

 

 

Hi did you send surlybonds letter to the DCA or barclaycard I'm really getting confused as to where to send the letter, or should it be sent to the DCA if its their name on the credit file.

Link to post
Share on other sites

  • 1 month later...

Hello,

Sorry of this is not the right thread for this question - please refer me elsewhere if not -

 

I heard that if an account is in dispute then you can instruct the data controller of a card company/bank not to process any data relating to you on the grounds that the account is in dispute and therefore no facts proven one way or the other.

 

There's a clause in the act I believe to the effect that data may not be procesed if it is liable to cause distress or damage - well, if the alleged facts turn out not to be true, or if the agreement turns out not to be valid, then passing on any data woud certainly cause distress and damage.

 

Any experience/ knowledge of this sort of issue please ?

 

Thank you

 

Valhalla

Link to post
Share on other sites

Hello,

Sorry of this is not the right thread for this question - please refer me elsewhere if not -

 

I heard that if an account is in dispute then you can instruct the data controller of a card company/bank not to process any data relating to you on the grounds that the account is in dispute and therefore no facts proven one way or the other.

 

There's a clause in the act I believe to the effect that data may not be procesed if it is liable to cause distress or damage - well, if the alleged facts turn out not to be true, or if the agreement turns out not to be valid, then passing on any data woud certainly cause distress and damage.

 

Any experience/ knowledge of this sort of issue please ?

 

Thank you

 

Valhalla

 

 

This thread is for people to list the details of defaults they have had removed.

 

You obviously know this is not the correct place for your question yet posted anyway?

Post it in the main "Data Protection and Default Issues forum" please :roll:

  • Haha 1

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...