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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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ROLL CALL: Who has sucsessfully had defaults removed?


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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

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  • 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.

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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

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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.

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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.

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  • 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

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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

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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.

 

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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...

 

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  • 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

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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

 

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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.

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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.

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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.

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  • 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

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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

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