Jump to content


  • Tweets

  • Posts

    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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 5127 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

The aim of this post is to get an idea of who has sucsessfully had defaults removed from their credit files. I think this will be useful for others trying to hve them removed to get an idea of what was involved.

 

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! ;)

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

  • Replies 63
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

HFC

approx 2K

misinformation, was already settled and up to date.

Data Protection Act request letters using templates from cag

CCA request

sent in credit file to prove settled and mixed up info

removed on Data Protection Act.

(not informed in writing or other why removed)

 

however....refuse to tell dca to stop processing so now with ICO

'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

Vodafone

A massive £16.84

Account settled

No charges involved.

Used surly bonds letters. Vodafone initially refused quoting Information Commissioners Office announcement. Was preparing to go down the road of 'this default is unwarranted due to circumstances' when received another letter from their 'Quality Assurance Team' who said that due to the circumstances involved (ie default unwarranted lol) they would remove the default but late payment marker would remain.

 

Full story here

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

Link to post
Share on other sites

Name of company that registered the default:

Halifax Card Services

 

Amount of the default:

£195.73 and again for £5.52

 

Was the account settled or did it still have a balance:

193.61

 

If the default was all/part/no charges:

The default was all charges.

 

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

At LBA stage they offered to remove default, but gave me another instead!

 

What (if any) third party was involved:

Experian cleared both defaults after 5 months.

 

Full story (The Consumer Forums)

 

The defaults were only 1 month late markers!

Andrew

ASI Industries = As i in does tries!

 

As i in does tries!: My definition.

I will try, i may never succeed in the goal, but at least by trying i have a greater chance of success than never trying at all!

 My opinions are my own & occasionally may offend, but it is not my intention to cause offence in the first place!

Link to post
Share on other sites

DPA STICKY? is there one somewhere, I know we have a non issue of notice of default series of letters, most grateful! but this is proving to more problematic and growing fast.

 

if already done, is there a link, thanks :):)

'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

Hi maybelline, i dont know about a CAG Sticky, but you will find it here.

(Data protection)

Andrew

ASI Industries = As i in does tries!

 

As i in does tries!: My definition.

I will try, i may never succeed in the goal, but at least by trying i have a greater chance of success than never trying at all!

 My opinions are my own & occasionally may offend, but it is not my intention to cause offence in the first place!

Link to post
Share on other sites

thanks ASIIndustries, I guess I meant templates but I have found the S10 template and amended, I am trying to cover their usual counterarguments about 'not having to be accurate' under certain sections. I have one in the small claims at the moment based on CCA :):) will let you know what happens.

'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

Hi maybelline, sorry but here is the actual Data Protection 1998 Act.

(Data Protection Act 1998)

Andrew

ASI Industries = As i in does tries!

 

As i in does tries!: My definition.

I will try, i may never succeed in the goal, but at least by trying i have a greater chance of success than never trying at all!

 My opinions are my own & occasionally may offend, but it is not my intention to cause offence in the first place!

Link to post
Share on other sites

HFC

approx 2K

misinformation, was already settled and up to date.

Data Protection Act request letters using templates from cag

CCA request

sent in credit file to prove settled and mixed up info

removed on Data Protection Act.

(not informed in writing or other why removed)

 

however....refuse to tell dca to stop processing so now with Information Commissioners Office

 

one of those dca's being Westcot have now removed the default

will update if successful with the other dca S10.

'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

Hutchinson 3g

one settled

£100+ witten off

got a ref number from oftello

rung execative office with ref number

retailer had used a false address so i would pass a credit check which is illegal

Link to post
Share on other sites

Vodafone Limited

£1126

The account had a balance that would be settled when agreement was made that the 'default' would be removed.

No charges on file.

Writing to Data Protection Officer warning of court action.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

- Grattan PLC

- £1634.00

- Balance settled

- No default or other charges involved

- CCA request followed by the usual template nudge/follow up letters

- No third party involvement - they have offered to remove it as a gesture of goodwill, but haven't yet so I'm keeping an eye on it for now

 

Link to post
Share on other sites

Great idea Analyst

 

I had two default notices served on me by Amex but Experian tell me that there are NO defaults registered, only 2 years of missed payments! I have actually been paying them back at £700 per month so these payments should be registered. However Amex claim that since they have terminated the agreements they only need to register with the CRA once the full accounts are paid up? In addition they do not have the CCA'a. Not sure where I really stand and what I should do. It get's more bizarre by the day.

 

Amex also transferred the management of my accounts to RMA/NCO who have passed them back following an SAR and CCA request, they knew they had zero.

Link to post
Share on other sites

Monty2007, surely if there's no agreement the debts are unenforceable! If so, why are you paying them so much when you clearly don't need to? In that case, even the late payment records aren't being processed correctly and can be easily removed using the template letters available on here.

 

I also think you've posted in the wrong place, so I'm not hijacking this thread, but just pointing you in the right direction.

 

Link to post
Share on other sites

Is Amex regulated by the CCA?

BBC - Consumer - Guides to - Liability of credit card companies

 

dont know if this link is useful, someone mentioned this to me the other day.

 

think that might just be about goods? there are other threads on Amex.

 

:)

'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

maybelline, only Monty2007 can answer that as it's not the company that is regulated, it's the agreement - there isn't enough info in this thread to answer that.

 

If the agreement is regulated they are covered by the CCA.

 

(Subtle prompt to Monty2007 to start a new thread so we can advise correctly in the right place)

 

;)

 

Link to post
Share on other sites

maybelline, only Monty2007 can answer that as it's not the company that is regulated, it's the agreement - there isn't enough info in this thread to answer that.

 

If the agreement is regulated they are covered by the CCA.

 

(Subtle prompt to Monty2007 to start a new thread so we can advise correctly in the right place)

 

;)

 

Hi Car

 

Yes, they are both credit cards and rgulated by the 1974 Consumer Credit Act. I was defaulted but no agreements can be found, one application which does not conform. I was paying NCO who were the DCA acting for Amex but since no agreements I have stopped paying. The accounts have gone back to Amex but they are silent at the moment.

Link to post
Share on other sites

Capital One removed £2k default info following court action for refund of bank charges - whole balance comprised charges and interest thereon(they settled one week before court).

 

First Direct removed £1.5k default info following court action for £600 charges refund (they settled day before court).

 

RBS "discharged my debt" after a CCA request - they have no agreement. They are refusing to remove the default so court action coming soon.

 

HSBC Visa also have no agreement but are trying to chase me for the debt and refusing to remove the default.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

Co-op have agreed to remove default on current account after i sent them a letter requesting a copy of default notice...expect them to adhere to it....

 

Court claim issued against Capital One for removal of default notice...

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

  • 3 weeks 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

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

WELL DONE THE ANALYST! a result makes it worth it I agree!

'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

  • 4 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...