No one can justify these charges, its just another word for legalised stealing chris

Just the standard one.

Ignore it. You will receive a few letters. You may also then receive letters from a DCA. Ignore all of them. It is not a fine. It is an invoice, which is unenforcible. The PPC cannot identify who was driving the vehicle. They may identify the registered keeper who is the one that any letters will be addressed to but the registered keeper is not necessarily the owner and is not necessarily the driver. If you scan the ticket and post it on this thread (minus all identifying details, etc.) we can confirm it for you. Likewise, if you do receive any letters, don't respond to them. Have a good read of the threads on this forum and you will see. If your username is your real name, then I suggest that you change it for a username that cannot identify you. The enemy is known to read these forums and there is no point in giving them any help. If you want to change your username, send me, or any other Site Team Member, a PM stating what name you want to use, and we can change it for you. Regards, Rooster.

The other thing of course is that you could respond to their TO with your own and take out the clause that allows for an increase. You could say that you would only agree with no review clause. I personally would never advise anyone to agree to a Tomlin with a clause giving the other side an unconditional right to increase payments The essence of a TO is that it avoids a CCJ - which is why there is always a clause that if you default that they can enter a CCJ As I think, as has been explained already - the issue really is do you have a defence to the claim that has a realistic prospect of success - on the basis of what is on this thread I can't express a view. I'd need to look at the agreement, D/N etc Is there a thread already - if there is it might be easier if everything was on one thread so that its' all in one place

On the CMC point you don't have to agree to a CMC - you can argue that the case doesn't need one and that what should happen is that:- 1. Amended Defence/Counterclaim - 14 days 2. Reply/Defence to Counterclaim - 21 days thereafter 3. AQ questionnaire 14 days after filing of reply/defence to CC You argue that case is not so complex that it needs CMC and that all CMC will do is increase costs Its' then up to the Judge whether he orders it or not

Any idea who the debt may originally be with reason I'm asking is in case you have been making payments to the OC. You know Stink Financial often get their dates and years mixed up especially with the little monkeys they have in cage. They did that with me - case got struck out - but I was still paying the original OC. If you know for certain that you have not been paying this debt to anyone for at least 6 years then it should be SB. You really need to be certain as I say Stink Financial don't half cock up. I've just given them 14 days to confirm back to me in writing that they agree never to pass my data on to a third party, just have to wait and see what my response is. DG:)

Perhaps you could inform them that you couldn't answer their security questions before because you beacame a 'born again Christian' last month and changed your D.O.B to 13th April 2009 Having become 'Born again' you wouldn't want to tell porky pies and give these nice people the wrong information...therefore if they wanted to re-open verbal contact with you they must respect your new found religion and accept that as your date of birth....then you can start gathering witnesses again. just a thought:wink:

I have today made my final payment to our most beloved ****-bag 'He' issued me with a CCJ for £3xx for an 'alleged' debt to HSBC for £8k+ I like to think of him as my own personal Robin Hood No doubt my phones will be in meltdown in a months time, when no more payments are received I cannot wait I also have another BC issue I had a CC with CrapOne which BC got his grubby paws on The debt was for £3k+....I was issued with a CCJ for £3xx I had paid around £1000 on this before I joined CAG and realised the error of my ways.....BC has now returned the debt to CrapOne I wish to reclaim my overpayment of around £600 Has anyone succeeded in doing this?, and is there a letter kicking around I may use? All I have left to deal with now is MuckHall - Littlewoods catalogue - LOL - CCA heaven Judge & Priestley (1st Crud) N&P credit card (again CCA heaven) Robbers Way - last missive dated April 08 (Old M&S storecard - LOL) EOS Solutions - last missive dated may 07 (Old HSBC CC) I would just like to add my sincere gratitude to all the members of CAG who have helped me When I first joined I was a suicidal quivering wreck (Which some of you may remember) It took a while to convince me, but I finally found the courage to face the DCA demons And without you guys I do not know what I would have done....Basically you saved my life I have made many friends via CAG, many of whom I am in contact with on a regular basis via facebook and email And now instead of crying (well I still do alot of that) I have a laugh and a joke with you all my good friends Once again ...My dear CAGers....Thank You If I get a refund from BC...A large donation will be flying to CAG x

Also remember the golden rule: A)'Don't talk to them over the phone' B)'Don't talk to them over the phone' C)'Don't talk to them over the phone' As cerberusalert has rightly said make a complaint against them, they are in very clear breach of the OFT's Debt collection Guidelines. Harassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970. (S.40) "S40 Punishment for unlawful harassment of debtors" "A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt under a contract, he: harasses the other with demands for payment which, in respect of their frequency, or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation; falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it; falsely represents himself to be authorised in some official capacity to claim or enforce payment; or utters a document falsely represented by him to have some official character which he knows it has not. [*]A person may be guilty of an offence by virtue of sub-section (1)(a) above if he concerts with others in the taking of such action as is described in that paragraph, notwithstanding that his own course of conduct does not by itself amount to harassment". Once a debt becomes statute barred it remains statute barred whatever then transpires. In other words the debt can never be legally chased through the courts again and nothing the debtor or any representatives do once the statute barring date has passed can alter this situation. So categorically the re-starting of the statutory clock can never occur in any circumstances after the debt has become statute barred so a debts new buyer does not gain any new rights or options but only has those the previous or original owner had when it was sold to them. No more no less period!

Hi, Good to hear that you are coming onboard. When you start to sort things out, open a new thread on here for each individual alleged debt, don't be shy, most of us had many accounts so many threads, but it is so much easier on you and us if we deal with each one seperately as things move along. Make sure you keep all your paperwork, follow the golden rule never to speak with the DCA's on the telephone, insist everything in writing and don't sign (by hand) anything either. Before long, you will be waiting to the next letter from them so that we can help put them down (so to speak).

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/175651-complaints-about-fos.html http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/136654-complaining-financial-ombudsman-service.html

Raise a grievance with your former employer and make it clear that you will take them to an Employment Tribunal if they do not provide the paperwork. I had a similar problem with my last employer, they had thoroughly mucked up my P45 (wrong leaving date) and my tax, and seemed to think that they could hide all this and I would go away if they just ignored me; mention of an ET made them move *very* quickly after totally blanking me for weeks.

Hi GB, No, they are different. Let us know why you ask, or in what context this is. Also, if you look up "UK Legal Terms" on Google, Yahoo or Wiki, you should find guidance.

No it doesn't constitute acknowledgement. There is a letter you can send to them to inform them that the debt is now statute barred: Modify the letter to suit your own circumstances

Tilly not making light of it and i know you are a good sport- believe your shortfall was a beuty as was mine-debt relief orders -mmm 15k would take a lifetime to get down to that level.So until sugar daddy with yacht toodles along maybe take a chance on euromillions tonight-believe it is 100 million plus.Worth a try and who knows you could be sailing off into sunset on your own yacht.Naturally you would want some crew and i would volunteer-and maybe a few others would -no doubt a few will let you know.Please exscuse me if this post has bugged you but nothing wrong with being a dreamer in these difficult times.Allways enjoy your posts keep your spirit up-Tawnyowl.

Hiya i think you need to post up a copy of this agreement is it an agreement or application form? does it have all the prescribed terms pinky