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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] 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. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      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
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Considering how many are getting responses of "it is not our data" I thought the above was rather comical (hence I posted it).

 

I wasn't shooting the messenger! Good post. I like to go to bed with a smile on my face instead of feeling depressed. :-) :-) :-)

What sort of world do you want your kids to grow up in?

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Considering how many are getting responses of "it is not our data" I thought the above was rather comical (hence I posted it).

When will they realise that it is their data, even though they are not the source of the majority of it.

 

For those people who have got their SAR data, does it show all occasions when their data has been accessed either by CRA staff or external customers?

 

Grumpy

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The Debt Buyers and Sellers Group has some interesting News posted:

DBSG Website

Firstly, there is:

Long awaited review of Ofcom’s Statement of Policy on ‘Silent Calls’

Hmm. But there's more. Scroll down the page to the next item:

Ministry of Justice to carry out a Data Sharing Review

 

The Ministry of Justice is to carry out a review on the use and sharing of personal information in the public and private sectors. The review comes in the wake of the HM Revenue & Customs’ loss of 25 million people’s sensitive information.

 

The consultation will consider changes to the Data Protection Act 1998 and will present Government with options for changes to the law. Whilst some of the questions within the consultation may not be applicable, the Ministry is asking for any additional suggestions or observations we may have that may be relevant to the review. This is an ideal opportunity for the Association and its members to highlight the difficulties faced regarding tracing ‘gone-aways’ for example and restrictions to access to data. Restrictions of access to the Voters Roll and a lack of access to data in general results in a number of mistraces, resulting in innocent individuals being contacted over debt.

 

The Association will be responding to the review and would welcome views from members. The consultation can be found by following:

http://www.justice.gov.uk/docs/data-sharing-review-consultation-paper.pdf

This is very interesting.

So, now seems like a good time for an open letter to the Information Commissioner.

 

I've started a draft, and will post here as I do it. If anyone has any ideas please let me know. I will get things wrong, so please feel free to correct me, or make suggestions, anything...

I'm sick and tired of 'rogue debtor' misinformation used by DCAs to disguise their illegal practices. And the Credit Reference Agency involvement is far too unsettling to be ignored. My concentration's a bit scattered so please bear with me, it may take a few days :)

My feeling is that any personal data should be under tight restrictions, and held by the Government, not privately owned 'companies' whose main business seems to be selling information to other companies, whilst appearing to be a 'consumer's friend'.

I'm not good at anything legal, but will write from the heart. I trust you all enough to know you'll help me with anything I get stuck on :)

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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lol we dont want data held by the pillocks in power, there the ones who keep losing it

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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any way yes of corse all genuine CAG'ers stick together, we wouldnt be here otherwise (unless there are one who are trying to avoid paying debts they actually know (better slip that 1 in)

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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This is an ideal opportunity for the Association and its members to highlight the difficulties faced regarding tracing ‘gone-aways’ for example and restrictions to access to data. Restrictions of access to the Voters Roll and a lack of access to data in general results in a number of mistraces, resulting in innocent individuals being contacted over debt.

 

The voters roll, facilitates the process of voting, helps to prevent fraud (in the context of voting) and may also be used to select people jury duty. not for performing any commercial activity.

 

......................................................

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The Debt Buyers and Sellers Group has some interesting News posted:

DBSG Website

Firstly, there is:

Quote:

Long awaited review of Ofcom’s Statement of Policy on ‘Silent Calls’

Hmm. But there's more. Scroll down the page to the next item:

Quote:

Ministry of Justice to carry out a Data Sharing Review

 

The Ministry of Justice is to carry out a review on the use and sharing of personal information in the public and private sectors. The review comes in the wake of the HM Revenue & Customs’ loss of 25 million people’s sensitive information.

 

The consultation will consider changes to the Data Protection Act 1998 and will present Government with options for changes to the law. Whilst some of the questions within the consultation may not be applicable, the Ministry is asking for any additional suggestions or observations we may have that may be relevant to the review. This is an ideal opportunity for the Association and its members to highlight the difficulties faced regarding tracing ‘gone-aways’ for example and restrictions to access to data. Restrictions of access to the Voters Roll and a lack of access to data in general results in a number of mistraces, resulting in innocent individuals being contacted over debt.

 

The Association will be responding to the review and would welcome views from members. The consultation can be found by following:

http://www.justice.gov.uk/docs/data-...tion-paper.pdf

This is very interesting.

So, now seems like a good time for an open letter to the Information Commissioner.

 

I've started a draft, and will post here as I do it. If anyone has any ideas please let me know. I will get things wrong, so please feel free to correct me, or make suggestions, anything...

I'm sick and tired of 'rogue debtor' misinformation used by DCAs to disguise their illegal practices. And the Credit Reference Agency involvement is far too unsettling to be ignored. My concentration's a bit scattered so please bear with me, it may take a few days :-)

My feeling is that any personal data should be under tight restrictions, and held by the Government, not privately owned 'companies' whose main business seems to be selling information to other companies, whilst appearing to be a 'consumer's friend'.

I'm not good at anything legal, but will write from the heart. I trust you all enough to know you'll help me with anything I get stuck on :-)

 

 

 

 

 

 

 

Very glad to have you on the forums sosumi. You are a force. You are completely right. They will wear whatever 'mask' that suits them at any given time. It is all about money and control. They will use any excuse they can to behave how they like, when they like.

  • Haha 1

What sort of world do you want your kids to grow up in?

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i second that renegotiation

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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IMHO and with the greatest respect to everyone that has subscribed/contributed to this thread so far, but I feel it's far better to get someone from CAG to officially submit anything that we are considering offering as part of this review. One voice (or a series of voices) is easy to ignore, but I think this thread shows some major concerns for everyone that is part of CAG and should result in an official view from the site owners.

 

More than happy to lend my support, but we will be much stronger - and get MORE notice - if we approach these things in the correct way.

 

Again, just IMHO, so you don't have to agree. ;)

 

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I read an article in The Independent last week, mentioning that there are nearly 1,000 unregistered DCAs! We've already established it could cost less that £1000 to set up in 'business' as a DCA. What's to stop a new DCA from becoming a member of the Credit Services Association, or DSBG? In which case it would go back to one of the first posts on this thread, of Experian hosting a 'working group' - 'full access to SCOR' - remember?

 

Credit Reference Agencies hold personal data. Do they ring-fence this data? They also hold a lot more information, classed as 'marketing information', which they then 'sell'. They are companies, not government agencies.

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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Read SP's post here

about the CRA's privacy policies.

A couple of posts further on, about Experian Autotrace, and the clause in their 'terms and conditions' saying they're not to be mentioned as a source. Why?

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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Read SP's post here

about the CRA's privacy policies.

A couple of posts further on, about Experian Autotrace, and the clause in their 'terms and conditions' saying they're not to be mentioned as a source. Why?

 

 

Presumably because they wish to conceal the nature of some parts of their business from the public - especially those who use their 'creditexpert' and similar products, and unwittingly feed them information. Also, I suspect that they don't want to have to deal with complaints about inaccurate data.

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The CSA's regular references to the 'rogue website' issue shows just how worried the debt industry really is. If a DCA has a legal right to collect a debt, and can prove this with the relevant paperwork, then they have various legal remedies available. Short of being advised by a website to buy a canoe and disappear, I do not see how a debt can genuinely be avoided in these circumstances.

 

Of course, what the CSA really don't like is their members being forced to acknowledge that most debtors are 'can't pays' rather than 'won't pays', they don't like those upon whom they prey being aware of their legal rights, and they don't like the questionable methods they use being brought into the open. They also don't want their members to be made to comply with laws and regulations, not least because it proper compliance would lead to increased costs, decreased collections and lower profits.

 

 

 

 

Why, has the Information Commissioner run out of lavatory paper?

 

 

Them 'losing' money = 'bad' advice.

Them 'gaining' money = 'good' advice.

 

It doesn't really matter what the advice is. Moral/immoral, relevant/irrelevant etc.. I think it really is that simple. I remember a couple of months ago on Breakfast TV. there were a couple of women from Capone and Barclays. They were talking about responsible lending and sharing data etc. blah blah blah. They had nice smiling faces. I don't know for sure if these women believed the lies were blatantly telling or not. Maybe they did. The 'real' message was that bad debt had got to a point where they needed to pay more attention to it. They wanted to get more information on customers to try and avoid the higher risk elements of the population. The 'motive' for all this was purely to protect their profit, not their concern for indebted individuals, which is certainly how they tried to present it. Lies.

What sort of world do you want your kids to grow up in?

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Them 'losing' money = 'bad' advice.

Them 'gaining' money = 'good' advice.

 

It doesn't really matter what the advice is. Moral/immoral, relevant/irrelevant etc.. I think it really is that simple. I remember a couple of months ago on Breakfast TV. there were a couple of women from Capone and Barclays. They were talking about responsible lending and sharing data etc. blah blah blah. They had nice smiling faces. I don't know for sure if these women believed the lies were blatantly telling or not. Maybe they did. The 'real' message was that bad debt had got to a point where they needed to pay more attention to it. They wanted to get more information on customers to try and avoid the higher risk elements of the population. The 'motive' for all this was purely to protect their profit, not their concern for indebted individuals, which is certainly how they tried to present it. Lies.

 

 

But Doesn't CAP1 particularly target people with poorer credit histories ?

 

Isn't it part of their advertising campaign "Been refused elsewhwhere? Then come to us for a decision in seconds/minutes?" Or did I dream that I saw CAP1's name attached to similar campaignes to attract customers with less than brilliant credit history?

 

I am pretty sure they were advertising "rebuild your credit status with us" type of campaigns - and were giving out all these cards to people people on lower incomes. CAP1 were "cherry picking" such customers delibrately.

 

I posted a link on here a long while back - it was called "Maxed Out" - it was an hour long documentary on how these companies from the USA had targetted their customers. It was delibrately the lower income bracket that they went after as customers = these people had less income, were likely to overspend and not budget, would default giving the companies lots of money in penalties for going over balances, late payments etc.. - these companies wanted the lower incomed customers as they we certainly far more profitable that the wealthier/higher incomed customers who would keep within their higher credit limits. Even students were targeted at college campuses. I was absolutely disgusted after watching this maxed out tv documentary - and I can't find where I posted it - if I find it I will post it again and ask a mod to make it a stickey - as it was such an eye opener on the tactics used in marketing by many of these comapnies.

 

I do NOT dispute that perhaps in recent months this company has begun to look at what they are doing - it's because they learnt such a vast lesson in the USA - CAP1 have had bad publicity.

 

But as we all know CAP1 were like many other USA based companies did purposely target lower incomed people and take advantage of their already bad situations.

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Well yes, they did that with the 'intent' of making money! They didn't lend to lose. Their greed got the better of them though. They went too far and when they realised that some human beings perhaps couldn't physically/mentally/economically cope with being lifelong cash cows and began to basically 'not pay anything' they had to backtrack. So, they then had the bright idea to try and get more data on their possible targets to distinguish between those that might last and not last the 'Pay Capone For The Rest Of Your Life Race'. It's all money. If the money is rolling in no one wants to stop the gravy train. Most people can be bought for a price. Most people lie to themselves or turn a blind eye if they are getting money. Sod the consequences. That's pretty much it isn't it? And I don't think it should be like that if it is destroying lives. I think the government should be doing more. I find it all very depressing. This whole Experian thing is so Orwellian. It's a bit of a hackneyed phrase nowadays, but I really think it is. Every other website I visit I see Experian. It's almost scary. They could give Tony Blair a good lesson in being a control freak.

What sort of world do you want your kids to grow up in?

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it was on the news just after midnight about due to a single complainant some catalogue company or something had to withdraw an advertising flyer saying the card whatever it was ..... "was your new best friend"

 

can anyone fill in the details .........

 

note for elizabeth re "I am pretty sure they were advertising "I am pretty sure they were advertising "rebuild your credit status with us" " "

 

it really is time a formal complaint was made about experians tv advert about rebuilding your credit status ....................

 

 

if a single complaint above ............... can ..................

:cool: sunbathing in juan les pins de temps en temps

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It amazes me that Experian can get away with it. Im surprised the ASA havent got involved. Most of us on here know what happens when you apply to Experian for a copy of your Credit Report.

 

1. You give them more information about yourself

 

2. Any updated information is brought to the attention of the DCAs

 

3. You get loads of offers for loans and Credit Cards that you neither need nor want

 

4. Letters start arriving from DCAs demanding money from you for Statute barred debts whether or not they are yours just because you have a similar name

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They have us nailed?

 

I was watching a video film on how these companies operate (CAP1. MBNA, PROVIDIAN ETC..) in the USA and how they target people - I was so alarmed by it really - from student to pensioners - they have is sorted and nailed really - and all the tricks they used etc.. to make money from us - so scummy really. This video "Maxed Out" is long over an hour - but is a real insight as to how these companies operate etc.. - it'll make you glad you saw it - but angry as how vulnerable we all are!!

 

Maxed Out

 

 

I do wonder whether this video ought to be made a stickey somewhere as it really is an eye opener - we can all learn from it.

 

 

fantasy finds everything !!!

:cool: sunbathing in juan les pins de temps en temps

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From Experian's website, as statement of corporate responsibility:

"We interpret this as taking due regard for society's expectations of large companies. We believe these expectations to be for steadily higher standards of conduct and for taking increased responsibility for the direct and indirect effects of our operations."

 

...

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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Posted by humbleman:

Originally Posted by sosumi viewpost.gif

This is an ideal opportunity for the Association and its members to highlight the difficulties faced regarding tracing ‘gone-aways’ for example and restrictions to access to data. Restrictions of access to the Voters Roll and a lack of access to data in general results in a number of mistraces, resulting in innocent individuals being contacted over debt.

 

The voters roll, facilitates the process of voting, helps to prevent fraud (in the context of voting) and may also be used to select people jury duty. not for performing any commercial activity.

......................... ......................... ....

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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and again, quoting from the DBSG:

The consultation will consider changes to the Data Protection Act 1998 and will present Government with options for changes to the law. Whilst some of the questions within the consultation may not be applicable, the Ministry is asking for any additional suggestions or observations we may have that may be relevant to the review. This is an ideal opportunity for the Association and its members to highlight the difficulties faced regarding tracing ‘gone-aways’ for example and restrictions to access to data. Restrictions of access to the Voters Roll and a lack of access to data in general results in a number of mistraces, resulting in innocent individuals being contacted over debt.

 

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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From Credit Today:

Electoral roll registration rises - 09/01/2008

polling_station.jpg

 

Consumers are taking a greater interest in how their personal data is used, according to business information specialist Equifax.

 

In its annual update of electoral roll data it found a marginal increase in the number of people registered to vote from 2006 to 2007. The information is used by reference agencies to build up data, from which creditors make lending decisions. The number of people registering has generally been declining.

 

"We have seen the number of adults registered to vote increase by just under one per cent, with the London Boroughs showing some of the highest rises", said Neil Munroe, external affairs director. "One reason for this uplift could be the Electoral Administration Act, combined with local councils making greater efforts to encourage people to register to vote over the last couple of years. A rise in the immigrant population registering to vote could be another factor in the increase, with all Commonwealth and EU citizens eligible to vote in the UK."

 

However, the analysis also showed an increase in the proportion of adults choosing to opt out of the Edited Electoral Roll, which is available to commercial organisations for purposes other than credit checking. Year on year, this has increased by 3 per cent to 39.75 per cent, possibly reflecting a greater consumer interest in how personal data is used. However, Equifax is warning that consumer misperceptions about the Edited Electoral Roll could have an impact on their ability to make purchases online.

 

Munroe said: "There are some risks in opting out of the Edited Electoral Roll. This is especially the case if consumers are planning to do more of their shopping online, as it is used by many companies for identity verification purposes in order to combat identity fraud. If an individual’s name is not on the Edited Electoral Roll they may have trouble shopping online or completing important identity verification processes, such as for money laundering checks, which are required by many organisations today."

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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