I received three separate private parking tickets through the post. (£60 paid within 14 days, £100 within 28 days, £110 paid after 28 days for each ticket.) I appealed to POPLA on the basis that this was a recent change in conditions at the site where previously; parking time was based on from getting a ticket to getting back in the car, and new conditions were from point of entry to the car park to point of entry by ANPR and that the recorded excess times were only 28 seconds, 6minutes 56 seconds and 2minutes 12 seconds respectively. I got three separate cancellation notices all stating: "You will be aware that a Parking Charge Notice was issued to you recently. We can confirm that this charge has now been cancelled." Later we received three more parking tickets with exactly the same date and times as the original notices but with new reference numbers. I did not appeal these tickets as I thought the company had simply made an administrative error. I then received three separate letters from a debt recovery agency chasing a further increased amount (£160 each ticket). I rang the agency to inform them of the cancellations and they asked me to send them proof. I sent copies of the cancellations. This is the reply: The site in question is subject to terms and conditions, which are stated on signs throughout the area. Those signs state that all drivers must make a valid payment to park. On the dates in question, no valid payment to park was made and a PCN was correctly and legitimately issued as a result. PCN's xxx, yyy and zzz have all been cancelled. They were sent out with the incorrect location on in error. A cancellation letter was sent, and then the correct PCNs followed (aaa. bbb and ccc) which are still open on our systems and no appeal has been received by our client. The cancellation letters made no mention of why they were being cancelled or that new ones would be issued. Can anyone advise me of where I stand? thanks in advance.

Previously loyal disabled customer harassed, bullied and ripped off by Amazon Unfortunately our trusty old laptop was failing and needed replacing.As this was a desktop replacement we required something of a suitable size and standard.This does not come cheap. As this was a considerable investment for us and having been a previously loyal Amazon customer for many years, we decided to purchase from Amazon based on (an apparently incorrect) perception that if there was a problem with the purchase then we would have good support and come back if required.We did however have reservations due to Amazon’s seemingly increasing controversies (taxation, employee treatment, PRIME etc). We decided on a particular laptop model and specification but unfortunately it was out of stock new.It was however listed as available from Amazon Warehouse in ‘very good’ condition with ‘original packaging’.Having not purchased from Amazon Warehouse before, we were concerned by the low customer rating of 89% but could not access any actual reviews of them.The website did claim that the purchase came with ‘all the benefits of Amazon.co.uk fulfilment and customer service’ and ‘All of our products are backed by Amazon's satisfaction guarantee’.Unfortunately we were mislead by these false claims and made the purchase. At time of purchase a ‘not before’ delivery date was agreed in writing with Amazon.According to logs this was ignored/not actioned and attempt to deliver was apparently made by Amazon’s contracted courier Hermes. Because we were away, Hermes apparently proceeded to trespass around the property and attempted to gain access to various locked outbuildings. Apparently after failing to gain access, Hermes abandoned the expensive and fragile laptop in an outdoor area at the back of the property – exposed to the winter rain and cold.A crossed out ‘Next Directory’ calling card was later discovered through the letter box (despite this being an Amazon purchase). When I learnt of this attempted delivery through online tracking, I emailed Amazon customer service but they did not seem to understand and instead attempted to send Hermes around to trespass again.With considerable concern for both the security of the property and of the expensive purchase, I had to write a formal complaint to Amazon ‘complaints’ in order to stop this.We received a basic response from a Paul Grech of ‘Executive Customer Relations’. When we later returned to the property and located the abandoned delivery, it was completely soaked through with water and just collapsed when we tried to move it, and all the loose items fell out.At this point we realised that the item had also been falsely advertised.It was not in its original packaging at all (with the extras and value that entails), just the basic laptop loose in a brown box. An update to Mr Grech was supplied with photos and evidence (including the ‘Next Directory’ calling card).We reasonably expected the matter to be suitably resolved. To our disgust instead of a resolution, we received a rude, sarcastic and dismissive response from Paul Grech.He did not take the matter in any way seriously (ignoring the facts and evidence) and seemed to show an utter contempt for us.He also apportioned blame to us for only selecting ‘economy‘ delivery in an apparent attempt to up sell PRIME.He refused to allow us to return the item by suitable means, he refused to provide any replacement or alternative, he then attempts to bully us into keeping it as is. Paul Grech either has no knowledge or no concern for statutory rights, property rights, or disability rights. I then attempted to escalate the matter to the respective heads of Amazon; Mr Christopher North cnorth@amazon.com and Mr Jeff Bezos jeff@amazon.com.Unfortunately both Mr North and Mr Bezos did not feel that we warranted a response.To my surprise all we received was another dismissive email from Paul Grech claiming that ‘Chris and Jeff have requested that I respond to your letter and e-mails’. It is not clear why Paul Grech has directly targeted us, whether he has a problem with all disabled customers, or whether this is Amazon’s attitude to all customers now.Either way, as Paul Grech is apparently the highest level contactable person at Amazon, other potential customers should be aware of the terrible level of service to be expected from him. Due to these problems we still do not have a replacement laptop and have had to stop all courier deliveries due to security concerns.This has caused us considerable difficulties and will need hundreds of pounds spending to stop unauthorised access again. I hope this serves as a warning to other potential Amazon customers as we have not received any refund, let alone redress or ‘goodwill’.We received no redress or apology from Hermes management (if Amazon ever contacted them at all).All we have for our huge investment is worthless, unsafe, falsely advertised, unusable junk. Any help or advice appreciated.

Can a DCA purchase a debt and then place a default on your credit file, when the original creditor had already placed a default marker prior to selling the debt on?? Can you default twice or more on the same debt but the default recorded by different DCA Agencies? Can account opened in 2002 that defaulted in 2006 be sold to a DCA end of 2014 and in 2015 a new default appears on your credit file with the same account info from 2002 for the 13yr old debt?? This old debt was removed ftom my account 2016 6 yrs after originally defaulted??

Hi, I'm new here. I'm currently on ESA in the support group. I received a letter a few weeks ago saying that as I'm now approaching state pension age ( 6th January 2016) I was going to be paid £111.28p a week as off 25th January. I don't qualify for the full amount of £115 as I don't have enough stamps. My question is...will I be eligible for pension credit on top of my state pension as this amount is a lot less than I was getting on ESA. I live alone. Thanks in advance for any replies.

Hi there, First post here but long been an observer. Had an account with Lending Stream which due to financial difficulty defaulted in April 2011. Motormile finance purchased the debt from Lending Stream in 2013, and I entered dialogue with Motormile as soon as I received correspondence from them. I requested a full statement of account and a copy of the default notice, as no default notice was received from Lending Stream. After hearing nothing back for over 2 months, I chased Motormile who reluctantly admitted they were unable to obtain this information from Lending Stream. The balance (including a high proportion of default fees, late payment fees etc) was £782, Motormile offered to settle for £250. I agreed this on the condition that the default notice would be removed, as they were unable to show a statement of account or a default notice had been sent, and Barry from Motormile called me a couple of days later to confirm he'd spoken with Lending Stream and they'd removed the default. I paid in full via card £250 over the phone after receiving email confirmation from Motormile the default was being removed (see below). "Email: Good Afternoon Mr *, I can confirm that we have previous received confirmation from Lending Stream that they would update your credit file for the data they have shared. I understand from our early conversation that this has now been updated accordingly. Should you have any further concerns regarding this, please contact me again. As requested, I shall arrange for our collections department to contact you to settle the account. Regards, Barry Customer Relations Manager Motormile Finance UK Ltd (MMF)" After being declined for credit, I checked my credit file in June 2015 to find that the default had been reappeared on the credit file, this time from Motormile Finance. I queried this with Motormile immediately. I was promised a response to my complaint within 14 days. Over a month passed (chased every week), blaming Lending Stream. Once I pointed out on multiple occasions that the default was from Motormile and not lending stream I received a response saying my compaint was being investigated and I would receive a response within 28 days. Sure enough, a month later, I received this response: "Dear Mr *. Thank you for your recent correspondence. We understand your concerns to be that: · We have requested the removal of the default from your credit file previously, however this has recently re-appeared. · You have applied for a mortgage and the default applied by MMF is having a detrimental effect to your application. We have investigated your complaint thoroughly and have provided a response to each concern individually below: We have requested the removal of the default from your credit file previously, however this has recently re-appeared. We have reviewed all correspondence on your account and have found that you have previously discussed your credit file with us in December 2013. We would firstly like to make you aware that MMF did not record any data with the credit reference agencies at this period and as such, never agreed to remove any information on your credit file. Your correspondence with us in December 2013 was in regards to data that was shared on your credit file by Lending Stream. In December 2013, we explained that as MMF has purchased the account, we are legally obligated to take over any information on your credit file. We are obligated to do this to provide an accurate reflection on a consumers credit history. The default that was originally applied by Lending Stream should have been removed in August 2013 and updated to show that the account had been sold. As a resolution to your concerns in December 2013, Lending Stream confirmed to us that they had updated your credit file accordingly. You have applied for a mortgage and the default applied by MMF is having a detrimental effect to your application. We are sorry to hear that you feel this default is affecting your chances to obtain a mortgage. We are obligated to report factual and up to date information on your credit file to provide an accurate reflection of your credit history. Lending Stream have confirmed to us that a notice of default was sent your postal address (*) on 11 April 2011 and the account defaulted on 25 April 2011. We have provided you with a copy of this documentation for your records. As you were provided with a notice of default, we are unable to remove the information as the data is factually correct. We hope this response has brought the matter to an acceptable resolution and the action taken is to your satisfaction. However, this is our final response, if you remain unhappy with the response I have attached a link to the leaflet about the Financial Ombudsman Service (FOS). Should you choose to contact them, you will need to do so within six months from the date of this email, enclosing a copy of the final response, which they will need for their investigation. If you would like a copy of this response by post including the leaflet please let me know by return email. FOS Leaflet: - Kind Regards, Pat Lee Customer Relations Officer Motormile Finance UK Ltd (MMF)" The default reappeared in February 2015. Originally this showed as a fresh default on this date, dropping off in February 2021, but they have updated this to the actual date of the debt, dropping off in April 2017. Removal of this default was essentially a term of me settling the debt (I refused to pay without this being part of the agreement), at at no point was there an indication it could reappear. On discussing this with Barry I was assured that this couldn't reappear, completely contradictory to the claim in the response stating I was made aware of motormile legally obliged to taking over my credit data. Motormile had 2 months to supply details of the default notice and statement of account back in 2013, so now sending me a copy of the default notice after complaining in 2015, which was never received, seems ridiculous to me. I issued a data access request last week of which I am awaiting an acknowledgement of receipt. Where do I stand here? Do I have grounds to have this removed? Motorfile seem firm on their stance, if I have a case would be happy to proceed with the court or FCO complaint, whichever I am more likely to obtain the outcome of removal. I have applied for a mortgage on a dream home, most likely to come back as a decline next week solely due to this default. Any advice would be much appreciated Many thanks for your time - Lewis

http://www.credittoday.co.uk/article/15150/online-news/debt-buyers-snap-up-securitised-loans

Hello Just recieved a distress warrant from Philips Bailiffs. I have called court to ask what this is and whtehr it was genuine as I have not been to court! It turns out it is a failure to notify an alteration, but nobody can tell exactly what that was, only that it was to do with my old address over 5 years ago. Nothing has come to this address and I have therefore not been given the chance to defend myself! I am told I need to get a Statutory Declaration at the nearest Mgistrates court? Has anyone else had this problem? Nikinaki