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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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      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.

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    • 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.

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      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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CAG CRA S.A.R Club


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It was the last box (about emails, "If you believe..." paragraph) that annoyed me the most. I wrote (on the form) "How would I know that? Surely it is for you to give me details of any such contacts?"

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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You should ALL be aware that the Information Commissioner has notified PEOPLE that the condition for processing below covers the sharing of account data with the(CRAs) for the duration of a contract (THIS BEING A CONTRACT THAT YOU THE CUSTOMER SIGNS TO THE BANKS ETC) and six years beyond.

THEN THE INFORMATION COMMISSIONER IS FUNDEMENTALLY WRONG THIS IS DATA THAT HAD BEEN SUPPLIED SECOND HAND BY ANOTHER AND NOT BY YOURSELF YOU DID NOT AGREE TO THIS DATA BEING SHARED YOUR AGREEMENT SHOULD HAVE BEEN "FOR SPECIFIC PURPOSES AND TO BE SHARED WITHIN THE BANK AND ITS PARTNER COMPANIES "

IF THIS IS NOT IN YOUR CONTRACT YOU SHOULD BE AFFORDED THE RIGHT TO CHANGE THE CONTRACT TO THE ABOVE THIS WAY THE ICO ARE THEN COMMITTED TO ACT IN THE ILLEGAL SHARING OF YOUR DATA

MY OPINION ONLY ?

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Thanks Sosum - on looking at their letters again they said that they responded to my letter on 14 & 20 of March they enclosed a copy of the 14 March but I never received any of these letters from them. The must be getting short of money as they did not send me an envelope. Also at the top of the form it has declaration written and in a box below that it has a box for my signature.

 

Also it goes on to say : as you put it above sosumi it is the same form they sent me

 

I am concerned that they are asking me to sign again as I do not trust them whatsoever.

 

I have given them the relevant information and sign my initial letter – and considering that they sent me a credit report in February 2008. and in 2 in November because the first all the entries dublicated, I am thinking of asking them for their complaints procedure because o f the duplications. Are then now saying that they should not have sent me that report without the above information.

 

Sosum did you fill in the form for them and also did you give them the extra information that they asked for. :mad:

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Yes I did Allwood - I was pretty peed off with them though.

I've just typed the wording, all of the parts are in separate boxes. I signed and dated the declaration, put my address in, wrote "X-DIR" next to the phone number request, gave my email address and my maiden name (clearly stating that it's obviously my former name).

The rest just got me angry - as I said, so I struck through most of the boxes as N/A. I also wrote across the top: "PLEASE NOTE I HAVE RETAINED A COPY OF THIS. AS YOU HAVE CASHED MY CHEQUE, I EXPECT THE DATA REQUESTED ASAP."

They got on with it then :)

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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Thank patrick a good point, I feel like asking them why they do not confirm with information they get second hand to see if that information is correct before it goes on their file for them control my finances.:confused:

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Yes I did Allwood - I was pretty peed off with them though.

I've just typed the wording, all of the parts are in separate boxes. I signed and dated the declaration, put my address in, wrote "X-DIR" next to the phone number request, gave my email address and my maiden name (clearly stating that it's obviously my former name).

The rest just got me angry - as I said, so I struck through most of the boxes as N/A. I also wrote across the top: "PLEASE NOTE I HAVE RETAINED A COPY OF THIS. AS YOU HAVE CASHED MY CHEQUE, I EXPECT THE DATA REQUESTED ASAP."

They got on with it then :)

 

I am going to send a copy of it to the ICO for their information.

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JUST in case this is of any interest:

Credit Today online

and:

Credit Today online

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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and if you live in London and would like to be a Debt Collector:

Credit Today online

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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AND then I stumble accros this:

Credit Today online

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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The good news for a lot of us is that, when laws change, regulators almost always look at what the big players are doing first. This is because it has the greatest bang for the buck.

 

Hence the first point of call for them will probably be to the likes of Cabot etc.

 

The bad news however, is that the regulators will be more intent on showing them how to operate within the new framework than with hitting them with fines etc. The DCAs will be given time to adjust and, once given the all clear and thumbs up by the regulator, they will come at us with renewed vigour and intent. This in the belief that their 'new procedures' are legally watertight, compliant and in any dispute they will now automatically attract the backing of the regulator.

 

Complaints to the regulators may also be harder as they will say 'we've already risk assessed this company and they're squeaky clean, so we'll back them not the debtor'.

 

Keep reading the forums and learning, be ready!

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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The good news for a lot of us is that, when laws change, regulators almost always look at what the big players are doing first. This is because it has the greatest bang for the buck.

 

Hence the first point of call for them will probably be to the likes of Cabot etc.

 

 

Newborn

 

...and there is a certain Company in Leeds who have been blowing their own trumpet about the huge profits they have been making, and recently won an award as being Venture Capital Business of the year. A sucker (there's one born every minute) then paid i.r.o. 200 million GBP for a company which is quite probably sitting on a pile of, what is in reality, worthless paper. They 'buy' the accounts alright (with borrowed money, assumedly), but the profit doesn't actually exist unless or until they collect it.

 

Who would take such a giant risk with a company like that, on the eve of recession when more people are likely to be saying "stuff the DCA's I'm paying my mortgage/council tax", - at a time when we wait with baited breath for the ruling on the bank charges case, - and when the OFT etc are looking for someone to take to the sacrificial altar??

 

Whoever was behind that company and sold out at just the right moment has to be acknowledged as a genius of profiteering. A business masterstroke.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Who would take such a giant risk with a company like that, on the eve of recession when more people are likely to be saying "stuff the DCA's I'm paying my mortgage/council tax", - at a time when we wait with baited breath for the ruling on the bank charges case, - and when the OFT etc are looking for someone to take to the sacrificial altar??

 

 

 

I would think people who understand that the foundation of debt collection is to pressure debtors into paying, (even if you have no legal right to do so) and that enough will pay to ensure a healthy profit.

 

David

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I would think people who understand that the foundation of debt collection is to pressure debtors into paying, (even if you have no legal right to do so) and that enough will pay to ensure a healthy profit.

 

David

 

Unfortunately, I have to agree :( Not nearly enough people realise that they have rights, what they are, and that they have the right to pay priority debts ie. mortgage, council tax etc. before non-priority un-secured debt. Nor do they realise they have any rights to question the DCAs. It's time the public were made aware of these rights in light of what inevitably is coming :mad:

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Unfortunately, I have to agree :sad: Not nearly enough people realise that they have rights, what they are, and that they have the right to pay priority debts ie. mortgage, council tax etc. before non-priority un-secured debt. Nor do they realise they have any rights to question the DCAs. It's time the public were made aware of these rights in light of what inevitably is coming :evil:

 

Very true:(

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Does anyone remember the thread where there was a warning that requesting your credit report seemed to open the floodgates and led to being hounded again by the sleeping dogs of the DCA's suddenly waking up again?

 

If anyone could point me in the right direction, or have personal experience of this happening, could you email me at [email protected] please.

 

I've had an email from the producer of Radio 4's Moneybox asking for more info about this.

 

Cheers folks.

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Is this not it?? If you go back to the earlier post around 50 ish there is some discussion there in that vein.

 

I can't find a specific example but it's not unusual to get wolves at the door and/or inundated with loan offers after requesting a credit report. If BBC producers aren't already aware of this they must be living in a different world to the rest of us. It's a well known fact that CRA's own DCA's and even get their hands dirty in politics http://www.experianintact.com/content/uk/documents/pressReleases/LabourParty.pdf All this ID theft scaremongering and 'Get your Credit Report now!!!' stuff is a monumental stitch up, and laying the foundations for a national database.

 

I pinched http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/107363-wescot-did-you-know.html from an earlier post - is that the one???

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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I assume you lot mean Experian who own littlewoods, argos, couple DCA's and other companies??????????

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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I'm sure there is stuff on the websites of the CRA's about passing on details to the DCA's! They say something along the lines of 'you can't reveal us as the source of the leak'. I believe that this has been cut and pasted on to this thread already. That's all the evidence we need! As it goes, my mum requested her report and my dad got something through by return post for an old debt from HFO.

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

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I'm sure there is stuff on the websites of the CRA's about passing on details to the DCA's! They say something along the lines of 'you can't reveal us as the source of the leak'. I believe that this has been cut and pasted on to this thread already. That's all the evidence we need! As it goes, my mum requested her report and my dad got something through by return post for an old debt from HFO.

 

Experian by any chance?

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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