I have looked over the documents again, The last payment was in December 2008 (Although it appears to have been reversed due to DD not being collected) The account was closed in July 2009 - Presumably sold to Lowell. I have a few defaults and need to try and match up all 3 credit reports to see what's what. Im sending this letter to them - http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-**Update-21st-April-2014** Is Without Prejudice really needed in this letter?

Thanks for that

The original creditor is Vanquis Bank, then it looks like Lowells took it over and Lucas are collecting for them. Not sure on credit file, I am in the process of ordering statutory reports, I have Noodle and it's not on there - but there are a few more that are over 6 years old... I was rather stupid in my younger days

Quick Question, I got a letter about an alleged debt with Lowell from Lucas. I sent a CCA request with a £1 postal order, got a letter back a month later saying "No payment was enclosed, so your request can't be dealt with" (Appears to be a tactic to get a phone call to complain... I didn't bite) Then I get a copy of an online application form for a credit card from the CC Company a few weeks later Then a few weeks after that, I get a statement of account for the same credit card, with a copy of the online application form. Then yesterday I get a letter asking me to pay for a 60% discount if paid in 1 go, 30% if paid over 3 months or 0% if I make a longer term payment plan. I looked and the last payment was over 6 years, and also the account was "Closed - Writeoff" by the CC Company over 6 years ago too. Am I right in saying this is Statute Barred, I have made no other contact with them (Or any other DCA) apart from the single CCA request? Thanks in advance.

Thats now £888.14 + that I have been charged. I have had £75 refunded as noted above so thats 813.14 that I am out of pocket by nationwide charges. I did not send in a SAR as I had found the details online. What is the best way to start the ball rolling now and do I have any chance of getting any of these charges back (Normally charges on charges) I have tried over the phone but cant get anywhere, they say because £75 was refunded in August 12 that is all they can do. I am just really rubbish at numbers, budgeting and money, this seems to be getting the better of me.

I finally got my online login details and have been able to log in for the first time since Feb 2012 (I have had no sight of any statement since this time, nor any notifications of charges) These dates below are the months the charges are notified on my statement and will have been debited 28 days after the statement date (20th I think) £15.00 March 12 £15.00 April 12 £30.00 May 12 £75.01 June 12 £95.58 July 12 £20.03 August 12 (75.00 Refunded after telephone complaint) £15.00 September 12 £35.50 October 12 £20.00 November 12 £20.00 December 12 £50.00 January 13 £50.60 February 13 £95.24 March 13 £80.74 April 13 £35.44 May 13 That makes it £578.14 total charges, the annoying thing is the charges are putting me below £0.00 and triggering another charge. Any advice on the next step would be appreciated

Ok, will try agaiin. Do I have any chance of success with this one? or does the court case close this avenue?

Its Nationwide, I registered and the code didn't turn up, then it did after re-registering and it locked me out again. I still use the account and it is not overdrawn, I am just guessing the amounts as every time I call them my account is overdrawn again - despite no overdraft being available on a basic account???

I do not have a cheque book with my account, could I authorise them to take the £10 from my account?

I opened an account with Nationwide about a year ago, I signed up for the cash card + account with no overdraft facility. I am absolutely rubbish with numbers and got locked out of my online banking, I have tried many times to reregister and keep getting locked out before I can log in again and have had no statements. I am only guessing but I am being charged £100 a month in bank charges, I have had no notifications of charges as all statements online which is locked out. I think I have paid £1000 in charges, but no way of accounting for them, they have been mainly charges for going overdrawn after delayed visa transactions followed by another charge for being overdrawn because the charge sent me back overdrawn. I know the high court ruled the charges are "fair" but would my case be "exceptional"? Where do I start? Thanks in advance

Get a solicitor, file court procedings and the county court will "Automatically award three times the deposit held" £550 x 3!!! This is as long as the law obliging landlords to "protect" deposits was enforced on the date you paid it Sure you will get more sound advice shortly... hth

Pay by cheque and stop it, or pay by credit card and recall it as a "Payment made under duress" See the Private Parking Charges Guide

Just had some gippo in a recovery truck pounding at the door, didnt answer he took a photo of the car and left... It is parked on the drive so do you think I should move it?

I am a Mr... The exhaust was not blowing but it was nearly touching the ground (from point of sale just not noticed) the corossion was on the brackets and joint between the two parts of exhaust. Also the other fault that still exists is the handbrake cable is "nearly" uneffective, the handbrake needs to go to the top to work. There was not much difference between mot mileage and the car was bought at 108'000 miles (W reg 1999/2000 I think)

I checked and it only had advisory on tyres... it was MOT'd 1 month before purchase

Yes, they said they were not prepared to repair them I am not able to make payments at the moment as I have had to fork out for a car in the meantime It is on the drive at the moment and I am not able to hide it away anywhere, are they able to take it off my drive?

I bought a car from ACF in April (Just after passing my test) I had it 10 days and it was already unroadworthy, I had numerous repairs that needed repairing so I called their aftersales team (10ppm) and they asked for a quote, took it to nationwide and was told the following faults were on the car Air conditioning Gas Empty Air conditioning pipes damaged Air conditioning Condenser Broken CV Joint Damaged (MOT Failure) CV/Antiroll Strut SNAPPED! (MOT Failure) Back Section Exhaust Excessive Corosion (MOT Failure) Middle Section Exhaust Excessive Corrosion (MOT Failure) Idle Speed Sensor needs replacing (Causing the engine to over rev) After 1 month I got the above repairs completed, although the engine was still over revving when the clutch is depressed / coasting and also the heatshield was loose and is making a load of noise and finally the steering wheel is not straight / tracking miles out, so I took the car to be tracked at my expense and the car still will not go in a straight line without corrective steering, I asked Consumer Direct if I could do anything and they said as it was a finance agreement rather than a HP agreement, I coult refuse the vehicle under the SoGA/CCA Sec 75 by sending a letter to ACF and TFC. I sent the letter 2 months ago and cancelled my DD as I wasnt paying for a car thet was unroadworthy and have had nothing back since then, now totally out of the blue 4 days ago I got a Notice of seizure (I did not recieve a default notice) and they say they will be collecting the car (Today?!) Can they do this as they have told me they can seize the car and then it will be auctioned and I will have to pay any outstanding amounts (+ costs) It was on a 2 year agreement so I am nowhere near 1/2 or 1/3 of the agreement and am not sure what to do. What should I do if they come to collect the car and where do I go from there? Thanks in advance Kev

Wicked, thanks a lot for your help everyone, will keep you updated as things happen

Thanks once again for all your great advice, I have since recieved the V5 so now I am safe in the knowledge that its only my door they will be knocking on. I am unsure if I should respond to this letter and telling them to get lost or just completely ignore them and get debt collectors involved, cant I just say in a letter **** off and if you want to take this further take me to court but dont write / contact me further. Thanks Kevin

Hi again everyone, I sent off the ticket and invoice (Both originals) and kept copies of them and sent to ex-hell. I confirmed in the letter that I was owner and my vehicle was parked there (Did not admit I was driver) but they sent letter back saying get lost and changed the time to 0010 rather than 1210. What should I do now, just go down the template GET ****ed line or query the time quoted on the letter? Any help gratefully recieved... Thanks in advance Kev

I paid up £1 for a ticket from 11:45am to 12:45pm, so I should be covered, I will send them that and tell them to p*** off

Thanks for replies, but the problem is, it will cost more than £2.50 because my name isnt with the dvla, it is in the previous keepers name as the log book has been lost in the post, I still have the green slip so the dvla said I am covered with that and need to apply for a v5 but havent bothered yet. Would you recommend getting a ticket anyway to prove that I was actually covered for the alledged time and send it to them or just leave it. Sorry, just to make it clear... this was issued by the ever popular EXCEL Parking Company... lol, very famous on here

URGENT!!! Sorry but I have noticed a flaw with the ticket, I have uploaded the picture ----HERE---- and Im not sure if i am right in this so i need someone to clarify, the time says 1200 hrs and 1210 hrs, so that really should say 0000 hrs and 0010 hrs shouldnt it? so If I return to the car park during those times wouldnt I be able to buy a ticket and post it in saying I was parked and displaying a ticket during those times and take a photo? Thanks Kev

Forgot to add, I was issued a Parking Charge Notice by Excel Parking Services Limited it says time seen 1200 and issued 1210, I dispute his timings too. The ticket has a contravention code 94, parked without displaying a valid ticket/permit

I just popped into my favourite kebab shop earlier (00:10 am) and parked in a car park, I missed the sign that says 24 hour pay and display and come back to my car 10 mins later (... yes at 10 past midnight) and I had a PCN on the drivers window... I could not believe it and I havent got a clue how the guy caught me at this time of night and also how I didnt see him... I am really worried because I bought the car a month ago and still have not had the logbook for it, I have green slip and DVLA said thats all I need and should send off a v62 for a new one, but at the moment the car is still not registered to me, which in a way is good. My problem is do I ignore it and wait for them to contact me in a years time asking for £10'000's of write to them? I am going to get some pictures now but still cant believe someone stands around a car park at this time of night. Help... please Thanks in advance Kevin