Thanks but ive already paid it now, but I cant see how the posts will be able to negate the fact I was still parked across a dropped footway, I knew I was in the wrong to start with but it was worth a try to look into it.

looks like im just going to have to pay it unfortunatly, thanks for the replies

I had a ticket on my windscreen of my vehicle on 12/07/08 whilst I was a work for being parked at a dropped footway, Contravention Code 27 Where I was parked was an entrance/exit for a private car park but it had metal posts concreted into the entrance so in otherwords it was unused There were double yellow lines on the road but not within the bit where my car was parked, there is also no signs up around the area where I had parked There were yellow dropped curbs that cross the area where my car was parked The ticket states that my Tax disk was obscured when I know that to be false as I have one of them aluminium holder fixed to the lower nearsisde part of my windscreen, (the correct place for tax disks) Have I got any grounds as with regards to no signs being in the area, or my ticket saying my tax was obscured? I was thinking if they have photos of my vehicle as they always take photos then there would be a conflict between my vehicle and the ticket as in the photo my tax would be clearly displayed This is a £120 fine, or £60 payable within 14 days and printed out on by computer from Barking & Dagenham Council Thanks for you help if you are able to offer some advice (except do not park there again)

A friend of mine that I am helping to claim back unlawful charges has sent off S.A.R - (Subject Access Request) so far Helifax have only 11 days left! She phoned Halifax and they denied receiving the S.A.R - (Subject Access Request) even though the £10 cheque had been cashed 29 days ago. She told them how can they say they not received the S.A.R - (Subject Access Request) when they cashed the £10 cheque? The customer advisor then hung up, my friend phoned back and spoke to someone else who was slightly more helpful and now they should be ringing back in 5 days to discuss the charges. I will create a seperate thread on this one as soon as I hear any more

I have not received anything from CRS as of yet, if they can not supply me with my original signed contract then CRS and Golds Gym can go whistle lol.

I have found this template on the internet, can not remember where from but here is is... I am thinking of sending it off to Vodaphone as they have not replied to my CCA request (now I know they are not regulated by the CCA) FORM: [insert Your address; account number or reference] [insert date here] [paste address from above here] SUBJECT ACCESS REQUEST FOR COMMUNICATIONS DATA To the attention of the Data Protection Officer Dear Sir or Madam This is a subject access request for disclosure of information under Section 7 of the Data Protection Act 1998. I have been a subscriber since [FORM: subscriber date if known], and my account details are as follows [FORM:insert your account number, name, postal address.] Please send me the information which I am entitled to under section 7(1). In accordance with that section, please provide a statement: confirming whether any personal data is being processed; describing the personal data processed; specifying the purposes for which data is processed for each category of data, and the recipients of any data disclosed[1]; detailing any transfers of data outside the UK in whatever form or by whatever means; naming the person responsible for the data protection compliance. This information should include any personal data comprised in, linkable to, or which can be associated with the following identifiers: All records relating to telephone calls made from or to the telephone number [FORM: your telephone numbers with this company] All records relating to electronic services and text messages made from or to this same telephone number; All records relating to billing information, including subscriber data relating to my account. In particular, the following types of personal data are sought: "communications data" as defined by Section 21(4) and Section 21(6) of the Regulation of Investigatory Powers Act 2000; any data processed by switches, cells, Message-Transfer-Agents(MTAs), monitoring-systems, voice mail, or other software or hardware devices under your control, which is retained and/or disclosed in hard copy, electronic media, backup devices, transient storage or otherwise including location information; case notes on incidents, events, disclosures, collections, modifications or faults; records of disclosures to other parties, including emails; the logic of any automated decision processes[2]; the sources of the personal data. As required by the Data Protection Act 1998 section 8(2), please provide an explanation of the purpose, meaning, and context of the information. This includes geographical information for any location data that is retained. You are required to supply this information as soon as possible, no longer than forty days. If possible, I request that the information be provided in electronic form, as allowed under section 8(2) of the DPA 1998. If this is not possible, please provide it to me in hard copy. If you are not providing me with copies of all records that you hold related to this request containing personal information because of an exemption in the DPA or for any other reason, please inform me of that fact. I understand that you are required to properly identify any applicant for access to personal data. Please promptly advise me by electronic mail [Form: email address] or telephone [insert phone number] whether any further information is required from me, or whether the information contained in this letter and/or my personal cheque for the access fee is sufficient. Please advise me by telephone of any further information you require. If you believe you are not the data controller for any of the above data, please provide the contact details of the organisation you believe to be the controller and explain why you have reached the conclusion why you are not the controller. Yours faithfully FORM: your name here. Sign once printed Notes: [1] The Office of Information commissioner recommended in Legal Guidance Section 5.3 that "The Commissioner takes the view that, for any of these three exemptions [crime and taxation] to apply there would have to be a substantial chance rather than a mere risk that in a particular case the purposes would be noticeably damaged. The data controller needs to make a judgement as to whether or not prejudice is likely in relation to the circumstances of each individual case. …If challenged, the data controller must be prepared to defend the decision to rely upon the exemption either to the Commissioner or to the Court. It would, therefore, be advisable for the data controller to ensure that each such decision is taken at an appropriately senior level within the data controller's organisation and for the reasons to be documented." [2] The Office of Information commissioner recommended in OIC Legal Guidance Section 4.1 on Rights of Subject Access "Where a decision significantly affecting a data subject is, or is likely to be, made about that data subject by fully automated means, for the purpose of evaluating matters about that data subject such as his performance at work, his creditworthiness, his reliability or his conduct he is entitled to be told of the logic involved in the process. In order to obtain this information the data subject must specifically request it."

Still no reply from Vodaphone but my CCA request was received on 05/02/2007. I know they are not covered by the CCA so I will send them SAR tomorow.

I have still not received any response from Egg Banking, But they have received my SAR on 06/02/2007 so has been 44 days!! They have not banked the three £10.00 cheques I sent them. Any sugestions...

I have not yet had any response from them, I think they are overdue with the CCA request too

OK I had a reply regarding my CCA. The letter I received from these pirates (CRS) stated that Golds Gym does not come under the consumer credit act and I had signed an agreement with them and that they will obtain a copy then sent it to me. Any more tips? I just hope that they no longer have the agreement

won £1,700

Not had any reply from Close Motor Finance but to my suprise the default has been removed from my account?!

Not had any reply as of yet but to my surprise the default has just disappeared??!! WOW

Ok Just had a cigarette and getting my head around this now it's becoming clear LOL the six year bank charges are about £1,950 and they offered me £1,700 so that is good and I am happy with that. Liz Farmen from Halifax whom I spoke to said that the money will be deposited in my account within 14 days and I will receive a letter of acceptance so I can't say that I have wont yet 'It's not over until the fat lady sings' I have already received £952.00 which Halifax deposited in my account the same day they sent the letter so I can't see why they don't just deposit the money now, it's a good feeling to know my bank is in the green rather than in the red.. which it has been for the last 5 years, This is a life changing moment for me As soon as I receive the money and letter I will email the moderators to move this thread to Completed Claims and I will donate to CAG. Liz didn't mention closing my account but did say that any more bank charges they will not refund... reading in between the lines they don't refund any bank charges anyway but they do offer compensation for them so to us its the same thing I will keep you posted! Thanks to all of you who have helped me and a big thank you goes to CAG.. if it wasn't for CAG I would have not claimed 'Who gives you extra CAG CAG CAG!'

I phoned them and provisionally accepted £1,700 over the phone they said as it was over the 6 year they can not make an offer based on the £2,085 I have already has £952 is this good or have a screwed things up by saying yes on the phone?? LOL

Thanks I will phone them now and let you know what they said

Not had a reply yet but as dayglo said they are not covered by the CCA, but strangely enough, the default was removed and then put back on the same day?? I will wait for them to return the letter and £1 postal order then I will send a SAR

Update... Still have not heard anything from Halifax! despite yesterday was file in court day which I have not yet done due to work commitments I am going to phone them this morning am feeling a bit nervous about it now (I will actually admit that) not about the court but just phoning them I don't want to slip up and say something wrong... I will phone at 12pm or before so hopefully someone can give me a little bit of advice as to what to say other than you owe me money blah blah blah...

Excellent stuff I will let you know what happens when my friend contacts equifax

Hi, I have read the small print on the back of the contract and it does not state what hapens if it is passed on to a DCA, I will try and scan in a portion of the small print to put on the forum.

Someone I know has a default on their credit file with Equifax, the problem is that the first name, last name is incorrect as well as the date of birth this was defaulted in 2001 and the contract started in 2000. Would it be best for them to send off a SAR or just speak to Equifax and deny ever having the mobile contract?

03/03/2007 - Sent CCA

Thanks for the advice, I have the original agreement which I have signed, yes I do owe 150 as I cancelled my membership within 6 months, should I send them a CCA anyway in the hope they can not find my agreement?

I was a member of Golds Gym for about 3 months when I moved out of the area and sent a letter to say so to cancel my membership, a little while later I received a letter from a company called CRS Credit Resolution, the text in red is my main issue as I can't see how they can do this, isn't this extortion? -------------------------------------------------------------- 22 Jan 2007 We write to advise you that a debt of £150.00 has been passed to us by Golds Gym. This debt has arisen as you did not fully comply with Golds Gym cancellation procedure. You have also now become responsible for our fees in recovering this outstanding amount. Our standard charge of £80.00 has therefore been applied bringing the full outstanding balance to £230.00 You can only speak to us about this debt. Gold Gym will simply refer you back to us if you contact them. ----------------------------------------------------------------- I then phoned them and said that I could only afford to pay £10.00 per month which they did not feel was enough, I then asked about the £80.00 fee added to the debt and said I wanted a breakdown of the costs so I received this letter: 21 Feb 2007 We refer to our telephone conversation today As requested, the breakdown of your debt is as follows: £150.00 Membership Fees, due under the terms of your contract. £50.00 Recovery Fee, Incurred as your file was passed to CRS. £30.00 Trace Fee, charge incurred in tracing you to your new address £230.00 TOTAL DEBT We are prepared to accept repayments of your outstanding balance by instalments, however, additional amounts would be added. These depend on the method of payment and number of instalments to be collected. Payment by Direct Debit £10.00 set up fee, £2.25 - £2.75 handling fee per instalment Payments by any other method £25.00 set up fee, £2.75 - £3.25 handling fee per instalment --------------------------------------------------------------------- I can't believe it!! are they trying to rob me or what??! can they do this??

Hi docannie, thanks for the post. I have had the account for 6 years and 7 months but if they only pay 6 years I will loose about £50 so not worried about that. I was surprised to see the £952 extra in my account but it's dirty money and I won't touch it until they pay me a reasonable amount at least £2,000 they can keep the £83 as a gesture of good will I've decided not to have any contact via phone and everything done in writing as I am fully prepared to go to court, I would love to see a disclosure order on Halifax Good luck with your claim I will look forward to hearing how they respond to your phone call