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    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  So brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details so first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it ,this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025 so slightly longer than the original tax set up so all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. So I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled so I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
    • That doesn't look like clacton ... Former Brexit Party leader Nigel Farage buys coastal home in Lydd-on-Sea WWW.KENTONLINE.CO.UK Former Brexit Party leader Nigel Farage bought a coastal home in the county, it has been reported.  
    • It's not a private road.  It's a small public street (with Resi houses) that leads into and from public road/ highway. The garages have land in front of the doors.  Then there's a yellow line. So there's a clear marker on what is private and what is public.  These people keep parking on the private land side
    • Do you also own land the garages on and the private road? Or is it shared freehold with right of access to all freeholders or why?  Dx  
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    • 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. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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CAG CRA S.A.R Club


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This thread got so long I can't keep track - problem is I find stuff, link to it then get completely sidetracked! ;-) I'm pretty sure Dobbydog was near the beginning of the thread and several others. Also the Experian (tracing) link was recent. I shall go hunt for it now.

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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We'll be seeing you in 5 hours then! :lol: :lol: :lol:

:lol:... I'm still ere :D Just found Dobbydog for Seahorse:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/112671-cag-cra-r-club-2.html?highlight=Dobbydog#post1107883

Shall now look for the luvverly (not) Hexperian...

I shall be 800 years old according to my posts, very shortly. I can do it...

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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Share on other sites

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!!! :)

Link to post
Share on other sites

Helloo CallCredit:

Callcredit - Consumer Credit Referencing - Skipton Building Society

Over the years, the Society's customer base has grown to accommodate the needs of many thousands of people, with 80 branches across the UK and Skipton Group is now comprised of 13 companies, with expertise across the credit, finance and e-commerce industries; Amber Credit plc, Callcredit Limited, Connell Limited, EuroDirect Database Marketing Limited, GMAP Limited, Homeloan Management Limited, Pink Homeloans, Savings Management Limited, Skipton Financial Services Limited, Skipton Guernsey Limited and Skipton Mortgages Limited.

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 'heyup' Equifax Corporate:

Business Solutions Home

- gosh, so many businesses in there!! But, my most fave of the three is...

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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Share on other sites

yes it's this:

Experian - Principal activities

So many activities. So very very many activities. All based on data.

 

So, 3 Credit Reference Agencies. Making a pretty good living from data. Whose data would that be 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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From equifax website

 

Debt Recovery

 

Bad debt can be crippling to your business. With today's heightened focus on managing expenses, you need to efficiently find debtors and collect from those most likely to pay.

The Equifax product suite helps you prioritize your collection activities and locate debtors, improving recovery rates and reducing write-offs.

Our Debt Recovery services enable you to:

  • Prioritize collection efforts We tell you where the live so you can send out the threatomatics
  • Confirm residency and identity by conning people to register with us to check their credit files thus updating us and our DCA buddies with a current address
  • Leverage reliable tracing tools and services to locate debtors Well at least someone with a similar name who may or may not be the real debtor
  • Maximise productivity Keep the Post Office in a job delivering thnreatomatics. Boost the price of BT shares by making calls demanding money.

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Cheers folks. I'll compile a lit of the juicier posts and email them over. If I get any feedback, I'll let you know.

 

....and don't forget to mention that Alan Milburn MP is on the board of Bridgepoint Capital who own First Credit. Just verify that first to make sure it's still a true fact. The BBC will be interested in that, as the GOV is handing out contracts to DCA's to collect Gov money, and Labour already has close links with Experian.........

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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First they sacked computer engineers (outsourcing to India), now they're getting rid of 100 managers.

www.thisisnottingham.co.uk

Then there's this - Times Online April 6:

(from here

Experian to track net users

 

James Ashton

 

EXPERIAN, the credit checking company, is braving mounting concerns over internet privacy with plans to launch a service that will track broadband users’ activity so they can be targeted with advertising.

Through Hitwise, the web-site company it acquired for £120m a year ago, Experian has held talks with internet service providers to sell its monitoring technology.

Observers expect it to compete in part with Phorm, an AIM-listed company that has stirred controversy after being recruited by BT, TalkTalk and Virgin Media to track their 10m customers’ behaviour so they can be sent advertising messages on the websites they are looking at.

However, the key difference is that Hitwise, which describes itself as an “online competitive intelligence service” would play little part in dispatching the advertising to web pages itself, something that Phorm does through its Open Internet Exchange.

“Hitwise is not in the online behavioural targeting business,” a spokesman said.

Phorm’s shares have tumbled 36% since it unveiled its three key clients in February, partly because of a £32m fund-raising for overseas expansion.

Last week, BT was drawn into the privacy row when it admitted to carrying out secret trials of the Phorm technology in late 2006. Jonathan Groo-cock, an analyst at Investec, thinks a revenue sharing model could bring in an extra £85m of sales to BT.

Another trial to be carried out shortly by the two companies will be monitored by the Information Commissioner’s Office, which said: “Clearly the trial should reveal whether this is a service that web users want, whether it is privacy friendly and that users are comfortable with the privacy safeguards put in place by Phorm.”

Kent Ertugrul, Phorm’s chief executive, insists that it tracks users anonymously, replacing their identities with random numbers that are dropped once an ad has been sent. Unlike “cookies” dispatched by many websites to track behaviour, it can also be switched off.

The company has recruiteda heavyweight board, including David Dorman, the former boss of AT&T and Christopher Lawrence, the vice-chairman of Rothschild.

Experian, once part of GUS, is best known for trawling public records and selling the data to banks and retailers.

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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Share on other sites

Then there's Lower My Bills, a 'service' provided by Experian:

Online Price Comparison - LowerMyBills.co.uk

and About Us - LowerMyBills.co.uk

Compare a Mortgage, anyone:

Compare Mortgages - LowerMyBills.co.uk

and here's the form they provide. Scroll down and see what they want from you:

https://www.lowermybills.co.uk/mortgages/mortgages-form.html

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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Share on other sites

  • 2 weeks later...

so re gen your account was SOLD and no doubt this file is due for deletion but the data shall in my opinion shall continue to be their for the next twenty years ....as it is no one has yet prosecuted the CRAs to remove data completely from the records in other words what the goverment has done is allowed these companies to act ilegally and with inpunity as no one could afford to take this to task,but we can take the goverment to court to have the law changed but it would need many millions of signatures and we all know the british public cant be a**ed until it interferes with their home life imo

patrickq1

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if anyone saw dispatches last night concerning the MOBILE PHONES and goverment interferance will know just what i meant above,MARGRET HODGE should be prosecuted along with OFTEL for operating and abaiting a cartel with the mobile phone companies

patrickq1

Channel 4 - News - Dispatches - The Mobile Phone Rip-Off

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so re gen your account was SOLD and no doubt this file is due for deletion but the data shall in my opinion shall continue to be their for the next twenty years ....as it is no one has yet prosecuted the CRAs to remove data completely from the records in other words what the goverment has done is allowed these companies to act ilegally and with inpunity as no one could afford to take this to task,but we can take the goverment to court to have the law changed but it would need many millions of signatures and we all know the british public cant be a**ed until it interferes with their home life imo

patrickq1

 

I have written strong letters to all the CRA's asking them for definite confirmation of their policies on data over 6 years old. I await their replies with interest. No replies as of yet.

 

I had a bit of an argument the other day with an Equifax manager as it goes. I was letting off steam about them turning up on my SAR from Barclaycard. He told me it was moral that creditors should know where their debtors were. I told him I agreed that it was moral for creditors to know the location of their debtors, BUT (a) it wasn't their job to do that, especially in the clandestine manner in which it was done!!! and (b) even if it was their job to do that, WHICH IT WASN'T, they certainly had no business passing on telephone numbers of debtors to disgusting DCA's that harassed folk in their own homes at all hours of the day!!! He seemed to shut up after hearing my comments and didn't know what to say!

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

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The trouble with letting off steam to one individual is that it makes not one happeth of difference to the bigger picture of them abiding by the law or changing things. THIS is where we need to have a bigger voice against these CRA's it really isn't good enough for them to get away, day after day doing this.

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