Hi, FYI I have received a letter from Parking Eye after sending the funny letter to them. For some reason I do not get an option to upload any files anymore. Can someone please help?

Hi, sorry for late response Ethel. No, just a copy through email.

Thanks dx. I don't have a mortgage or any property, and if you call the assets that around my house i.e PC, clothes, iphone etc. Worse comes worse, I will take the CCJ.

Thanks dx. I will block their number and await for anything to come through mail. I assume take no action now unless they/Barclays send a letter in?

Hi everyone, I hope you're all doing well. I'm reaching out because I've just had another unpleasant call from Griffin Lawyers, and I'm feeling quite lost about what to do next. The same individual from the firm has called me again, and the conversation quickly escalated into harassment. He questioned why I had contacted their client (my liquidator) and insinuated that it was inappropriate for me to do so. Furthermore, he resorted to threats of bankruptcy again if I couldn't immediately settle the debt. His tone was unsettling, almost coercing me into agreeing to some sort of payment plan. Feeling overwhelmed, I mentioned that I was seeking advice and considering my options. Despite my attempts to assert my position, he persisted in pressuring me to complete an assets spreadsheet and return it promptly, while also requesting extensions of the deadline via email. His persistence and aggressive demeanor have left me feeling intimidated and unsure of how to proceed. I'm turning to you for guidance. What should my next steps be in handling this situation? Should I block this number completely? Any advice or insights you can offer would be greatly appreciated. Thank you for your support.

Dave - Can you please advise if I should send the snotty letters regarding this PCN to both parties as well? Thanks

Hello, Lookinforinfo - Thank you for the detailed breakdown and advice. It's much appreciated. FTMDAVE - I wanted to inform you that I've sent the assertive letters to both PE & DCBL via first-class post and obtained a proof of postage receipt. Thanks

Hey everyone, I hope you're doing well. I wanted to provide an update and seek further advice regarding the situation I outlined in my previous post. Following my initial message, I reached out to my liquidators last Wednesday (before making this post) to request a call back regarding the email I received from Griffins Law. Today, they returned my call and provided some additional information, and I'd like to confirm if what they're saying aligns with your understanding and experiences. According to my liquidator, Griffins Law is effectively acting on behalf of HMRC as their Client. They explained that the government is now pushing for aggressive action to recoup these loans. Given that Barclays was the lender and the loan was government-backed, HMRC would have reimbursed Barclays the loaned amount. The reason for targeting me specifically is because my investments were deemed risky and inappropriate for a scheme meant to aid struggling businesses. When I expressed concern about the aggressive tone of their communications, my liquidator assured me that he would intervene to temper their approach and buy me some time to process the situation. I've reiterated to him that I have no savings or significant assets aside from the cryptocurrency obtained through the liquidation process and PC equipment valued at approximately £1,000 or now less in total. Despite explaining my limited financial means, my liquidator warned me that my current monthly surplus of £50-£100 wouldn't suffice as monthly repayment, and they may impose additional interest on the repayment amount. He suggested borrowing from friends or family to come up with a lump sum, proposing £5,000 as a potential resolution to close the case off. I'm feeling incredibly overwhelmed and uncertain about my next steps. While I could potentially borrow around £2,000 or slightly more, I'm hesitant to further exacerbate my financial woes and accumulate more debt, particularly given my existing credit card obligations. However, it seems like I may not have many alternatives, and I may need to consider this option, even if it means taking a hit to resolve the matter. I'd greatly appreciate any insights, advice, or perspectives you could offer on this situation. I'm unsure whether to take my liquidator's advice or if I should continue to challenge the claims being made against me. Thank you for your support and guidance.

Hello everyone, I hope this message finds you well. I'm writing to share another concerning issue regarding a separate Parking Charge Notice (PCN) that I've received, this time for a different date but in the same car park. I was advised to post this as seperate post. It has been complete radio silence on this particular PCN since 12 August 2021. However, based on previous post advise, I anticipate that a letter of action will likely arrive shortly. In anticipation of this, I want to ensure that I'm fully prepared to fight this PCN. To aid in providing a comprehensive overview of the situation, I've attached a PDF containing all the relevant information I have at hand from both Parking Eye and DCBL for your reference. Your advice and guidance on how best to approach this matter would be greatly appreciated. Thank you all for your ongoing support and assistance. Parking Eye PCN - Hallsville Quarter - 25-10-2020.pdf

Dear Consumer Action Group Community, I hope this message finds you well. I am reaching out to seek urgent advice and guidance regarding a distressing situation I find myself in. Back in 2020, amidst financial struggles with my business, I opted for a £50,000 bounce back loan through Barclays. Unfortunately, despite the loan's assistance, my business took a turn for the worse when my Amazon selling privileges were unexpectedly revoked about six months later, leading to the abrupt closure of my business. Subsequently, in 2021, I made the regrettable decision to invest £13,000 of the loan amount into cryptocurrency, which, as many of you may understand, proved to be a volatile and unwise choice. Now, after learning the hard way about the legal implications of my actions, I find myself facing significant repercussions. Recently, a law firm contacted me demanding repayment of the loan amount plus interest, totalling £16,302. Regrettably, I am financially unable to meet this demand, as I lack the means to borrow or save up for such a sum. Despite efforts to engage with the law firm and explore potential repayment solutions, it seems that the proposed options remain beyond my current financial capacity. Complicating matters further, I have already engaged a liquidator in 2023 to address the business closure, and I've paid substantial fees for their services. However, since then, communication has been sparse, and I am uncertain about the progress or potential implications of their involvement in this matter. Feeling overwhelmed and unsure of my next steps, I am reaching out to this community for guidance and advice. Should I continue to engage with the law firm, despite their demands seemingly surpassing my financial capabilities? Or would it be wiser to prioritize communication with the liquidators and seek alternative solutions through their assistance? Additionally, if anyone has insights or experiences to share regarding similar situations or potential legal recourse, I would be immensely grateful for any guidance or support you can offer. Time is of the essence, as the law firm has imposed a two-week deadline for repayment, which feels insurmountable given my circumstances. Your prompt assistance and expertise could make a significant difference in navigating this challenging ordeal. Thank you in advance for your time, understanding, and any assistance you can provide. I am more than happy to attach the letter from the law firm if this is required. Many thanks!

Morning DX, My apologies. I had to rush out to hospital as my wife gave birth to our baby boy! Thank you I will ignore it until something else arrives. I had called DVLA and they told me the vehicle has been updated with new owner registration in early December. They told me to call the number on the letter. I had spent an hour this morning on the phone with no answer from anyone on that number. Thanks again!

Hey, Big Motoring World/Black Horse Finance - refusing to honour statutory rights ***SETTLED** - Page 3 - Vehicle retailers and manufacturers - Consumer Action Group Happy upcoming New years to everyone. I have received a penalty charge of 80 from DVLA. The letter is from pastdue credit solutions. it doesn't really mention what it is for, but I imagine its for unpaid road tax. Now, this could be my fault and I may need to pay it? I remember cancelling direct debit for the road tax. I then received a letter from dvla sometime later and it was saying my direct debit has failed and I need to pay it. I ignored it and binned the letter without thinking anything was thought the vehicle is no longer mine. At that time the vehicle was no longer in my possession and I gave the recover company the V5 document under my name (my mistake I now realise). I imagine when the car went back to Big Motoring World my name was never signed back to new owner (Big Motoring) and they waited until the car was sold so the driver number would not increase. Thus the vehicle was classed as being on road and tax was not paid. Would anyone suggest if I should fight this penalty or should I pay it? I attach the letter for reference. I am just on the phone waiting to speak to DVLA to check what this is for 100% Thanks 2021-12-14 Pastdue DCA chasing DVLA penalty from 1st Aug.pdf

Thank you! Is there any chance you may be able to point me in right direction for template on how to write such agreement?

Hi, Hope you all are well. Can I please ask for some guidance. I’ve completed couple jobs for client and been paid. The client has requested to completely rewire two houses. I’m happy to do the works, however she wants to make a down payment of £1k and then put the rest on monthly credit payments (£1k each month). I’m happy with this which means she would have to make 6 monthly payments. How could I protect myself to ensure these payments would be enforced in court in case she does not pay? Is there any kind of form that I could use so we both sign the agreement? Thanks

I’m sorry for responding now, but this just came to my mind as laying on sofa. The payments have now been made and everything is cleared. I think the letter to his house definitely moved this. Many thanks for the help as always and have a great weekend.

Thanks. He paid directly via bank transfer. He also said last night he’ll ensure the rest is sent. Will see.. Also just to check re 14 days. I typed up the letter on 18/10/21, but post office was shut and letter was sent on 19/10/21. He had received the letter on 20/10/21. Which day would be the first day - the day he received it or the date on the letter? Thanks

Hi, Just heads up - he paid 250 for one of the invoices. He still has not paid the main invoice of 3530. I have a feeling that he may not be paying that. Would it be wise to start preparing the claim already just in case he does not pay by the time 14 days passes? Thanks

Hey! I think I just got some good news. So letters were sent out yesterday morning special delivery to both home address and office. It must have arrived today. He phoned me up and wants to make a payment. Apologized that it has taken this long and it wasn't resolved sooner. I am sure he would have paid, but as I understand their accounts team is horrible. Well, the letter of action definitely has moved this forward fast enough! I will keep you updated once I receive the payment! Thank you all ever so much once again!

I have just sent both letters to his home address and office via special delivery and got receipt of postage. Should I now proceed to work on particulars of the claim? Thanks

Ok got it, sorry. Should I then send the letter to his office that he asked me to issue an invoice to or to his house? Thanks

Morning, Many thanks. Yes to both questions Lawrence is his name and he is the owner. I do not know who his client is. Should I send the letter to his house under companies house or would it be ok to send it to him via WhatsApp where I’ve been dealing with him? Thanks

No problem I’m not trying to hide anything. I don’t know how these things work and want to learn and get the money back that I am owed. The company who is refusing to pay is Fishnet Properties LTD. Lawrence is the guy’s name who owes me money and who I did the job for.

Ok I will clear up all story. I believe customer is not paying. I had met this man at a job I was doing. We exchanged numbers. Few days later he called me for services. I agreed to do it. It’s an office installation for a client of his. I thought he was individual until I asked to who certificate should be issued to. He asked to issue to his LTD company. I had issued him an invoice under my LTD company that I hold. The house is in his personal name. I also don’t know if I should send letter of action as my LTD company or as myself. Thanks

Hmm, I'm a bit confused now. His company is a LTD company on which his name and address shows up on companies house. I assume that is not LLP as to what you are referring. I attach letter of claim. I am unsure if this is the correct way to type it out. Thanks Electrical v1.docx

Thanks BankFodder, Much appreciate your help. I will begin to draft a letter of claim and will post it later tonight for some advise. I have just checked the Land Registry and can see his name shows up on Registered Owners title and shows who the lenders are. Thanks