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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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Remove GAIN Information from credit File


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Your first step is to write to MBNA and inform them that the information is incorrect and how it is incorrect. They should then correct the information on your credit file. If they don't let us know and we can explore some possibilities.

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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Oh forgot, give them a timescale to respond in. I would suggest 21 days.

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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21 days is too long - it suggests you are in no particular hurry to change your file. Give them no more than 14 days to fully comply.

 

You should also write to the credit agencies as they are obliged to carry correct information.

 

If they don't, or more importantly won't, then contact the Infor,ation Commissioner. He has the power to order them to comply.

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Re timescales, I'd actually agree with Rory. I appreciate it could be frustrating having to wait, but 21 days is the timescale laid down by the Data Protection Act for correcting incorrect data.

 

I would make your request more formal, in the form of a Data Subject Notice requiring them to recitify your data. Under the DPA they legally cannot ignore this: they either have to comply or state their reasons for non-compliance.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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As DJDave states the 21 days is the timescale laid down by the Data Protection Act. Frustrating as it is you have to appear reasonable.

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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Well you need to quantify damage and distress. Can you do this?

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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I think I can and I have just been talking to Rebecca at Experian who took responsiblity for causing me distress and alarm by holding inaccurate data, you the board is my witness so I am now going to serve Experian a formal notice, served under the provisions of Chapter 29 of the Data Protection Act 1998 in requesting that they conform to my demand for a change in the manner in which they hold and process subject data about me.

any comments will be apprecited.

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Re timescales, I'd actually agree with Rory. I appreciate it could be frustrating having to wait, but 21 days is the timescale laid down by the Data Protection Act for correcting incorrect data.

 

I would make your request more formal, in the form of a Data Subject Notice requiring them to recitify your data. Under the Data Protection Act they legally cannot ignore this: they either have to comply or state their reasons for non-compliance.

 

Dave, are you referring here to the Sat S10/12 Notice and if so, would this need to be modified to suit the circumstance?

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Pretty much. Processing such incorrect data would, in my view, be likely to cause damage or distress. Therefore you're well within your right to use the Data Protection Act to force the data controller to rectify such data.

 

As for claiming compensation, you'd have to demonstrate that such processing caused actual damage - eg having to pay a higher interest rate on a loan.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Subscribing, but can anyone explain what GAIN stands for?

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Gone Away Information Network - basically a register of bad debtors who have "done a runner".

 

Which is why the OP doesn't want to be on it.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Thanks DJ, I've been at the same address for 20 years, so it didn't apply to me and hadn't come across it before.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Pretty much. Processing such incorrect data would, in my view, be likely to cause damage or distress. Therefore you're well within your right to use the Data Protection Act to force the data controller to rectify such data.

 

As for claiming compensation, you'd have to demonstrate that such processing caused actual damage - eg having to pay a higher interest rate on a loan.

 

Would it be appropriate if one had written asking for information on a GAIN entry to find out why it appeared on your file in the first place rather than going straight in and demanding its removal by a stat Notice?

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Pretty much. Processing such incorrect data would, in my view, be likely to cause damage or distress. Therefore you're well within your right to use the Data Protection Act to force the data controller to rectify such data.

 

As for claiming compensation, you'd have to demonstrate that such processing caused actual damage - eg having to pay a higher interest rate on a loan.

 

Hmmm, was just thinking about this: if Tom Brennan can't win damages what hope have the rest of us? :-o

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The two are completely different matters paintball. This has nothing to do with penalty charges and whether or not they are legal and being compensated for them effecting your ability to gain credit. This is about clearly incorrect information being entered on the OP's credit file.

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 two are completely different matters paintball. This has nothing to do with penalty charges and whether or not they are legal and being compensated for them effecting your ability to gain credit. This is about clearly incorrect information being entered on the OP's credit file.

 

Er, yes Rory I realise that it's nothing to do with penalty charges (doh! :rolleyes: ) but the claim for damages is about the impact of the incorrect data ie affecting one's creditworthiness, paying higher rates of interest say on a mortgage (as I myself have!). :o

 

Please point me in the direction of a post/thread that would illustrate where an individual has managed to claim damages as a result of the above. If this has happened I will happily pursue such a claim myself ...:)

 

Many thanks ...

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Er, yes Rory I realise that it's nothing to do with penalty charges (doh! :rolleyes: ) but the claim for damages is about the impact of the incorrect data ie affecting one's creditworthiness, paying higher rates of interest say on a mortgage (as I myself have!). :o

 

Please point me in the direction of a post/thread that would illustrate where an individual has managed to claim damages as a result of the above. If this has happened I will happily pursue such a claim myself ...:)

 

Many thanks ...

this is a thread I have been reviewing with great interest but unable to get more details of the POC .....

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/22995-vodafone-default-removal-distress.html?highlight=Vodafone+WON

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this is a thread I have been reviewing with great interest but unable to get more details of the POC .....

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/22995-vodafone-default-removal-distress.html?highlight=Vodafone+WON

 

OK Jononi, here's a link to a very useful thread I've been following: Defaults - background, removal methods, challenges and taking a claim to Court

 

See the section on POC which offers alternative options to suit a particluar circumstance. Dayglo's re-wording can been added at the end and, hey presto, you can file your N1 for £30 and include the amount you feel appropriate in damages .... BUT ...

I shall do some more reserch on this into the wee small hours and get back to you. :p

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  • 3 weeks later...
Jononi, how are you getting on with this?

 

Thank you very much for asking.

 

MBNA replied stating that there are no agreement in place, so I contacted the OFT and waiting for them to advice me further.

I am looking for a solicitor to instruct to remove this information and make a claim for me for damages and distress.

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