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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Credit Services Association


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Hi all,

 

I wondered if anyone has made a complaint to the CSA and had a result. I was looking at their website and complaints procedure. They state that a complaint should be made to the DCA in the first instance and then to them if a customer wants to take the matter further.

 

All of the DCA's I'm dealing with are members and I would be interested if anyone has gone down this route and had any success or not.

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IMO the CSA is an old boys club for DCA's. Don't expect any action from them - they are there to protect the interests of their members (they even state this on their website).

 

If you don't get anywhere with your complaint to a DCA complain to the FOS, they at least are an independent body.

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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The CSA's a very interesting organisation.

Most DCAs like to show off the CSA 'kitemark'. Some are full members, some are associate members.

The CSA has an excellent Code of Practice, here:

CSA Website

It bothers me that quite a few 'members' fail to meet the CSA Code of Practice.

I wonder what the CSA is going to do about it.

 

The CSA wants a complainant to go through the complaints procedure with the DCA concerned, before approaching them.

- the problem with a complaint via the DCA concerned, is that many of the DCAs are not beyond doctoring/editing/tippexing (;)) their 'records'. Therefore if you ask for a copy of their complaints procedure, and follow their 'procedure' - ie. they make their own rules, your complaint follows their rules, their rules say (to them), we can sort this out ourselves, somebody change/burn/delete the evidence!, then they reply saying 'We've no idea what you mean in your complaint!', you've given them ample time to cover themselves regarding the issues complained about!!

 

I'm thinking that, in general terms, we should make it clear from the very beginning that we have a complaint, even when we ask for a CCA/SAR, if a DCA has acted in a manner that should be challenged. That the complaint should be kept ongoing, and that as far as the DCA's complaints procedures are concerned, treat them with suspicion. Request information, ask them for details, pursue the matter with any/all authorities, but keep the complaint/dispute with the DCA bubbling.

 

The CSA has great aims, but while their complaints involve first going through the DCAs, they're overseeing cheats and bullies that they really shouldn't associate themselves with.

 

But that would be the process for individual complaints. How about a Mass Complaint? We're fast approaching the 'mutual congratulation', 'backslapping' 'conference season, it seems.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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IMO the CSA is an old boys club for DCA's. Don't expect any action from them - they are there to protect the interests of their members (they even state this on their website).

 

If you don't get anywhere with your complaint to a DCA complain to the FOS, they at least are an independent body.

 

Just read this, Rory. Doesn't the FOS also say that a complaint should go through the DCA's complaints procedure before going to them?

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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FOS Website - re. Complaints:

what's the first step to complaining?

 

If you have a problem with a financial product or service, it's always best to see if you can sort it out first of all direct with the business concerned. Give them the chance to put things right.

If you're having difficulty contacting the business or you're unsure about anything, let us know. We'll explain what you should do next.

Then:

when can the ombudsman service get involved?

 

We can get involved and start looking at your complaint if:

  • the business has sent you a letter with its final response to your complaint, but you're still unhappy or
  • the business has had eight weeks already but has still not sent you its final response.

From here:

your complaint and the ombudsman - our consumer leaflet

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Your post

 

Doesn't the FOS also say that a complaint should go through the DCA's complaints procedure before going to them?

 

My earlier post

If you don't get anywhere with your complaint to a DCA complain to the FOS

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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'Financial Ombudsman Service gives `Heads Up` to businesses

 

From CSA's web page here:

CSA Website

Date: 06-07-2007

As you are all aware, the Financial Ombudsman Service (FOS) has new jurisdiction within the Consumer Credit Act 2006, which extends to all businesses holding Standard Consumer Credit Licences, including those collecting debts. Their Dispute Resolution Service came into force for these businesses on 6th April 2007. There are various rules and requirements which business must work within, however there are also requirements for Consumers who wish to use the service. One of these requirements is that a complaint by a Consumer MUST have gone through the internal complaint procedure of the business BEFORE the FOS will consider it.

 

It would appear from early indications that Consumers are misunderstanding their requirement and are contacting the FOS directly with their issues without giving the business an opportunity to resolve the dispute internally. The FOS are quite clear that complaints will not be considered (unless the business has not responded to a complaint within 8 weeks – then the consumer has the ability to complain direct to FOS) if the business has not had the opportunity to investigate. If a consumer contacts the FOS directly with their issues, the operators do take note of the issues together with details of the consumer (name, address etc). They advise the consumer they must refer their complaint to the business and await their final response.

 

As a ‘heads up’ to businesses, the FOS will also write to the complained about company, giving them details of the complainant and a brief overview of the issues they have raised. This letter advises businesses of their requirements within the DISP rules and reminds businesses of their obligation to provide a final response within 8 weeks.

 

Some of you may have already received a letter from the FOS giving you the ‘heads up’ that a complaint is on its way - don’t panic - remember, the CSA Guidance on the FOS Dispute Resolution is on the Members Only section of the CSA website www.csa-uk.com.

 

Note esp. the last paragraph.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Thanks for the concensus of opinion. They seem to be as useful as I expected having gone through their written diarrhoea on their website regarding adherence to guidelines.

 

Just thought I'd check with you all.

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