Sorry if I have done this wrong im new to posting. Has anyone heard of uk search ltd? They've been sending me emails, then one letter then I didn't hear anything. My neighbour stopped someone going through my bin and they said they were from a recycling company called search? Am I being paranoid or is that weird. I know it needs dealing with and not putting off but im getting over a nervous breakdown and am finding it hard to get the courage to talk to them even though they say its in my best interests to call them

We came back to our car in a shopping centre car park to find a guy taking photos of the car> I thought someone had damaged my car but realised he was a APNR employee (jacket logo). He put a ticket on the car and then photograghed it with us both sitting inside before we drove off. The ticket wording says they have been "contracted by the proprietor...." causing them to be in breach of contract..... The fine is £100 or £50 if I pay within 14 days. My concern is can I be found "guilty" if taken to court, as I was photo'd sitting at the wheel with the notice on the windscreen? What to do - I still have 7 days left but I'm going on holiday for 2 weeks this Friday. That's why we were in the shopping car park; to pay for the holiday!!

Hello, i parked my motorbike on a cycle rack on private land, came back to my motorbike with a parking notice on there, it said i had broken their terms of contract with their employer which costs them £100 and they demand recovering the costs from me, i did some research and saw they have been taken to court for being a sham company, as no where in their contract does it state that it costs them £100 so there is no debt to recover. 40days later i receive another sham letter from them stating i now owe them £140 but if i payed it in the next 3 days its still £100. They state in their letter they stuck the notice on the windscreen of my vehicle, and they supposedly have photographic evidence to support this, but in actual fact it was stuck to my tank. I beleive this is a [problem] to scare people into paying the ammount. Im more than willing to take them to court as the last 2 cases that have have won. Any advice?!

Hi, I wonder if you could help me. I had previously been paying IND Ltd for a debt for 21 months, and in January 2013, I wrote to them requesting an up to date statement showing how much was outstanding - I had never received any statements from them in all the time I had been paying. I must have emailed and written to them on at least 5 occasions, but never received any response. During this time, I had also requested details of how the debt has been calculated, a copy of the signed agreement, that they said I had signed in February 2012. In February 2013, as I hadn't heard from them, I cancelled my standing order. Then a month ago I received court action letters, showing the total debt outstanding, which I cannot agree with. I defended on the basis that they had not provided any of the information I had requested. Again, I sent emails, copies of my previous correspondence, and still did not receive any response. I even advised them that I would be willing to re-start the payments on receipt of the requested information. Now I have been sent a Notice of Redetermination Hearing for me to attend at my local court. Can they take this course of action, without ever providing any response to my requests? Do I have to attend the Redetermination Hearing? Do I need to contact the court direct? I cannot confirm in anyway that this is a legitimate debt that I owe without them providing the information. Thanks.

It makes you laugh just reading it.

Hi all, thank you for reading this. I parked at my local sports centre where you have to enter your car reg into a computer to get 3 hours free parking. I am pretty sure I did this but not absolutely certain. Today I got a fine from Civil Enforcement Ltd for £150 (£75 if I pay within 14 days). Trouble is I was using my dads car, so he got the fine. I have read the sticky thread about these types of fines, but I wanted to check that they are still unenforceable as it was posted over a year ago. I am more worried because this fine was sent to my dad and I don't want him to end up with a £150 fine or a trip to the court etc! Any advice appreciated

Just received ‘Notice to Owner’ Six months’ after alleged breach. Also note that BPA (British Parking Association) has terminated membership of this company as of September 18th 2013. This removes the appeals process. I intend to do nothing - any advice welcome

Good Afternoon, In 2007 i started a dispute against barclaycard for misold PPi, and charges. This was at the time that everyone was chasing bank charges so it took them longer to reply to everything. Well eventually they wrote back stating they was putting all claims on hold until the big court hearing and that they would get back to me when the final outcome was known. I accepted this and awaited and never got no reply, in the meantime they passed on to a recoveries agency, i wrote to them and sent all documents etc i had sent to barclay card outlining the dispute, they actually appologised and sent the account back to barclays. At this point i wrote to barclays again, computer screen printouts sent to me recently from barclays confirm that despite the dispute being acknowledged by barclaycard, 3 days later they sold it to 1st credit. 1st credit hounded me so copy of dispute sent to them. They stopped hounding me but continue to mark on credit files every month for nearly 5 years as default, and every christmas send me a statement of account. Barclays meanwhile despite sending all documents, spreadsheets etc continue to ignore the dispute, saying they need statements etc to process, although they had been sent them over 6 times with the follow up letters etc, now Barclays admit they was in wrong, and agreed to pay 872.00 in PPi back which includes interest at rate charged and also 8% interest, ( although don't match with my interest added the amount is only 100 quid off ) they have also already agreed to pay back £8.00 for every £20.00 late payment charge etc. When i get that final amount in it is more than the £1125 debt they unlawfully sold. So although i am happy they have 6 years later finally nearly resolved my dispute, i still have a default every month for the last 5 1/2 years for the amount which i didn't owe. Is it best to refuse the ppi and charges offered and tke it to court so that i can get the defaults deleted from my records or accept the offers ( I'm not signing their acceptance forms, will write my own ) or accept the offers and then try get them removed afterwards, so far 1st credit have refused to pass the account back, refused to delete the default notices and refused to stop further recording of default notices etc. any suggestions would be appreciated

Hi Everyone I have had a visit from DCL to my home at 8 o'clock at night. I live on a farm and there is no lighting so it is very dark. Myself & 2 girls where home as usual & in our PJ's. This chap called XXXXX appeared at my door looking for someone who wasn't here, I was able to give him the phone number of the person he was looking for. He went back to his car in my driveway and put on his full beam shining his lights straight into my house more worrying was my girls where in the home office which has no blinds and he was taking pictures. Terrified I sent the girls upstairs. I opened the door again and told him to get off my property he said he wasn't moving until he got this phone call and that I was hiding him in my home. I took more verbal abuse from him and I did call him a peado freak and told him I was calling the police. He stepped out of his car so I called 999, he seen me do this and sped off reversing onto my lawn at great speed leaving his tyre marks & wrecking it. The police have been out today and cant believe this sort of thing happened in Northern Ireland! I have to protect my girls they have never been subject to such behaviour and they where so scared they now sleep with each other. Can anyone advise me on how I can get this guy and any other this so called company may employ to never trespass on my property again? I now have a weapon at my door in case they come back but as an Empath this freaks me out as I despise violence but its not just about me its my children too. As the police said he was very lucky I wasn't a farmer with a gun. I looked into the XXXX and found out he is a bankrupt I would put a copy of this order up but I don't know how lol. All advice would be greatly appreciated

Oh here we go again....... ...I have an old debt with Lloyds tsb going back to 2009 which at the time I was desperately trying to sort out a pay arrangement with them and was ignored and passed on to the first debt collector and the fun (stress) began. Back then I sent a cca request and had no response, it then got passed onto the next DC who I also cca and so on. It's been quite for a few years (admittedly I have moved and accidentally forgot to tell them....oops) with no letters suddenly out of the blue I get a nice call, letter and text from Debt Managment Services Ltd saying that Capquest have referred the debt to them. I have checked Equifax and my original debt with Lloyds says "settled" and a default against crapquest. My question is do I have to do the cca all over again? If so can someone please point me in the direction of the template as I haven't been on here for so long I've forgotten where it all is.

Hi I hope someone can help me, My wife has been getting letters & phone calls from Moorcroft, she has been in & out of hospital for the past few months & I was hoping to deal with this matter in order to remove an additional worry in order for her to recover. On finding this excellent site, I sent Moorcroft the "request CCA letter from creditor" on the 22nd August including £1 postal order, I received a letter dated 29th August in acknowledgement & they say they had requested the information. Now as i understand it they had 12 working days to supply the documents, it is now 25th September & no documents have been forthcoming so therefore they are in breach of the cca. However today I have received a solicitors letter from Bryan Carter Solicitors threatening proceedings & additional costs. I really don't know what the next step is & with my wife again in hospital I really don't want to worry her with this letter. So any help would be gratefully received. Regards Paul

It was announced today that DVLA have awarded the highly lucrative national contract to recover unpaid late licensing penalties for non payment of vehicle excise duty to Rossendales Ltd. PS: Rossendales Ltd were acquired by Marston Group a few months ago. http://www.marstongroup.co.uk/announcements/dvla-awards-debt-recovery-contract-to-rossendales/

Hi All sorry if this is repeating previous post but my wife is fretting. Basically my Wife Parked in our local Shopping centre car park which has a 2 Hours free parking, when she parked the car the closest meter was out of order she then walked to the next working meter and with a queue and the usual chatting to friends was 15 minutes before she returned in which time a ticket had been place on her screen. She did appeal to UKPC who refused this and then said she could appeal a second time which she did. We heard nothing from this until recently receiving a letter from a debt collection agency. I just really wanted to clarify a few questions, Firstly do the Debt collection agency have any legal right to collect without going to court. Secondly I've read details about the changes in law in October last year does this have any bearing on ignoring UKPC as described in many forums. Lastly If this were to go to court would it be Small claims or county court and would this have any affect on credit rating and the like. Also I found the below paragraph which should mean that the charge for not displaying a ticket for the first 15 minutes of the 2 hours free parking would be Zero not £50. "According to the Unfair Terms in Consumer Contract Regulations, parking charges on private land must not exceed the cost to the landowner during the period the motorist is parked there." Thanks in advance

Hi guys got my redundancy letter it says Redundancy Pay _______________ made you redundant on 16 July 2013 You were 26 and had 2 years service and therefore you are entitled to 2 weeks redundancy payment. I have actually been working for the company for around 3.5 yrs. in the 1st year and half it were a partnership. In the latter 2 years it was ltd. Does this mean i cant claim for the 1st year i were there? Or will it be a over site of the redundancy apartment and should ask for them to look into it? any help would be appreciated. many thanks

Hi guys, I am a new member so please bare with me ! I have an issue with the above company. They have written to me asking to confirm who I am stating they are acting on behalf of their client (they are not stating who their client is at this stage) and if I don't they will consider me to be the person they are looking for. I know that this particular letter is a phishing one so I haven't answered it by either mail or phone. I have had numerous texts and attempted phone calls which I have ignored ( how have they got my mobile number !?!!?!). I have today received a letter from them stating "doorstep agent visit" fro a company called Call Serve and are now stating who their client is :- Arrow Global - Sainsburys Bank PLC quoting a password and different ref numbers. What I am asking :- 1/ do they actually send a collector and if so is there a way to stop them ? 2/ I may or may not owe a debt to Sainsburys ( bad divorce some years ago can't remember what or who was a debtor) I do remember sending recorded delivery letters to all of the debtors asking for a copy of the original agreement ( don't recall Sainsburys replying) 3/ I definitely have never had any sort if loan or other borrowing from either Arrow Global or Debt Managers so how do I stop them pursuing me ? Many thanks in anticipation of a reply

Hi all, recieved a default notice from these clowns today. It doesnt say where the debt originated and I dont recognise it. It doesnt even appear on my credit files! So can they do this, I mean put a default on your file. Also, what can I do to stop them doing this? Thanks in advance!

ASA Adjudication on We Buy Any Car Ltd We Buy Any Car Ltd Pennine House Zebra Court White Moss View Middleton Manchester M24 1UN Ad A radio ad, for We Buy Any Car, a car buying service, included the claim "86% of people said they were well happy and got a really fair price with us". Issue A listener challenged whether the claim was misleading and could be substantiated. CAP Code (Edition 12) 3.13.23.9 Response We Buy Any Car said they surveyed all customers who had sold vehicles to them and 86% of those who responded said they were happy with the price given. They said all customers were also sent an e-mail or SMS message. They asked how likely customers were to recommend We Buy Any Car to friends and family, on a scale of one to ten. We Buy Any Car said the average score of customers who thought the price they received was fair was 9.1, which meant those customers also recommended them. They believed it was logical that a customer who would recommend the company was happy. Based on that score, they were comfortable with the claim that 86% were happy and got a fair price. They submitted the results of the relevant survey questions and said they proposed to amend the ad to state "of people asked". The RACC said at script clearance stage they asked for the ad to make clear the satisfaction rating did not represent the whole customer base. The final version did not include that qualification, which they saw as an oversight. They said future ads with the claim had been qualified to stated "86% of people asked". Assessment Upheld The ASA acknowledged the ad had been amended to make clear the claim related only to those who had been surveyed. We noted that, while a small number of participants had skipped the question "How do you feel about the price that you got from webuyanycar.com for your car? Was it fair or unfair?" and we considered those participants should have been taken into account, the proportion of those asked who said the price was fair nevertheless amounted to 86%. However, we noted that the question included in the e-mail and SMS survey did not relate specifically to price and considered results that related to whether customers would recommend the company to friends and family on a general basis did not constitute sufficient evidence that 86% of customers were "well happy", or similar. We considered "well happy", in the context in which it appeared, was not likely to be understood as a separate claim related to the willingness of those customers' who believed they had received a fair price to recommend We Buy Any Car to others. Rather, we considered the overall impression of the ad, in particular given the references to people being "well happy" and having received a "really fair" price, was that customers of We Buy Any Car were very satisfied with the price they had received, whereas the relevant survey questions asked only whether the price was "fair" or "unfair" and whether customers would recommend the company to friends more generally. We therefore concluded that the claim was misleading. The ad breached BCAP Code rules 3.1 and 3.2 (Misleading advertising) and 3.9 (Substantiation). Action The ad must not be broadcast again in its current form. We told We Buy Any Car to ensure they were in a position to adequately substantiate objective claims before they made them in future.

Hi i received a letter from stated company (if you can call them that) a while ago and tried to contact them through their website rather than phoning them without any luck of course. Then today i received (you might as well call it) a yellow card with confirmed resident in bold black letter's and just the company name on which the debt is owed and their ref number and says the account is seriously in arrears and if i don't contact them they will pass it onto their solicitor's and with authorisation to proceed with immediate litigation (whatever that mean's as not so smart). Now i know i owe money to a couple of catalogues which i have contacted them about why i am unable to pay them so the only thing i can think on this from fredrickson is that it's a old debt from my old address which is i think more than 6yrs old ,i am thinking about phoning them tmr and only give out the ref number until they can tell me when the debt occurred or should i just leave it? Also have had a letter from Arrow Global again not stating when the debt occurred and again no joy in a response to a email i have sent them either so shall i just ignore any further letters from them also? thanks in advance to any reply Steve

Hi All, I am currently trying to negotiate a repayment plan with PRA Servicing Ltd (they are dealing with it on behalf of portfolio recovery associates ) and they have not replied to the letter I sent them. Does anyone know of any email addresses for them, I wanna chase up their lack of a response but IMO they are not worth the price of postage so want to email them instead. Any help from you guys and girls would be much appreciated

Good afternoon all. I'd like to firstly explain my current situation, unfortunately, it may take a while. Last year 2011 I was convicted of driving without adequate Motor Insurance. Although there were what I felt, litigating circumstance I refrained from attending the court myself and pleaded guilty by post. I also forwarded a means listing to assist the court when deciding their fine amount. The court completely ignored my means form and fined me £350 with the usual and expected licence penalty points. I appealed the decision and attended 'High Court' hearing. The judge accepted that the litigating circumstance surrounding my conviction when provided with documentation. Whilst he acknowledged that driving without insurance was not within my character and a genuine error we moved swiftly on to the fine. The judge claimed that the court had not received my means form but listened to what I had to tell him. I'm a recently discharged bankrupt who is not in receipt of any benefits, I rely solely upon my partner for financial support. The judge moved to his chambers to discuss the matter with his colleagues also sat at the bench with him. He returned and accepted my appeal reducing the fine to £115 that he clearly stated my partner would have to pay for me! I asked that the payment be made in two parts and he also accepted this offer. I left the court. Approximately one month later I received a final steps notice. When the document came through the door and I saw it was from the courts I assumed it was instruction of how to pay the fine and when, not a final steps notice! Upon receipt I called the court and paid £65 with a view to paying £50 one month later. The next month was simply not a good month to pay, living out of my partners overdraft is not how I anticipated my financial predicament at this stage in life. Perhaps its pride or a simple case of sensitivity but I did not feel so compelled to ask my partner to pay considering her own levels of stress concerning our financial predicament. I naively figured it simply best to await the next month in the hope we would have enough to pay. Less than one month later and the first communication from Marston Group arrived. It requested payment of the £50 fine plus £85 charges for the letter. I embarrassingly called my parents as asked for a £50 loan. I paid the £50 fine 'to the courts' the same day I received the letter. I also emailed Marston Group to ask if I could pay by instalment. Their reply email simply stated “We regret that we are unable to enter into long-term payment arrangements”. The court replied with what I expect a usualletter stating that they had received payment for the £50 but advised that there was still a distress warrant against the account with - you guessed it 'The Marston Group'I then launched my dispute campaign: I wrote a complaint to the courts, I wrote a letter of complaint to Marston Group and I wrote to my MP and CC'd him in with my letters of complaint. My MP wrote a letter to the court also. The Marston Customer 'Care' and Complaints team member replied quoting Part 52 but it is my understanding that this subsection would only be relevant should a Bailiff have already taken control of goods? So, I wrote them again and to my wrong doing I did not send the letter via recorded mail. My second complaint was therefore never granted a level up to stage two of their complaints procedure. I had been awaiting further communication from my MP at this stage but none arrived. Simply put, the court has failed to respond to either of our complaints. Last Friday we received a Bailiff visit from Marston Group. A Mr X. I was out of the house with a friend visiting the job local job centre and running some errands. My partners son (14yrs) was home alone sick from school and answered the door. X asked if anyone was home. He did what we have always requested of him, pretended someone was home and closed the door whilst he tried to call me. (I m,issed the call) he at this point simply thought it was someone with a package for me so he return to the door and told him that I was in the shower. X then got agitated and said 'oh! he's in the shower is he' 'I have a warrant of execution here and I need to see him now'. My partners son, at this time not knowing anything about what was going on closed the door and locked it (Good lad!) X then opened the letterbox and shouted that he had a warrant and he was going force entry within the next few minutes if the boy did not go and see him at his van. X repeatedly tried the door handles and kept banging on the doors. After some twenty minutes X posted a card with serial number claiming amount outstanding was now £300 and a removal notice. When I returned home a little over an hour later my partners son was understandingly in a state of shock from the ordeal. and despite my reassurances it has taken him a few days to calm down. Over the weekend I have spent my time researching as best I could and here are the list of things I have now committed myself to. - Filed a letter of complaint to the Chief Superintendent in relation to the child and the vulnerable call. I have also raised issue with 1. Threat to Cause Criminal Damage, Section 2(1), Criminal Damage Act 1971 & 2. Threatening Letter, Section 1(1)(a)(ii), Malicious Communications Act 1988. - I have complained to the court 'again' - I have complained to Marston Group again - I have CC'd my MP into everything and requested that he now raise the matter with the Parliamentary Ombudsman - I have filed a 'Credit Fitness' report/complaint to The Office Of Fair Trading citing the following breaches of legislation (i)Physical/psychological harassment 3.7 (i) (j) (o) (q) (ii)Deceptive and/or unfair methods 3.9 (f) (k) (iii)Unfair or Improper Business Practices 3.1 (iv)Charging for debt recovery 3.10, 3.11 (a) (d) (v)Debt collection visits 3.13 (a) © (f) (g) - At my partners request I have placed a removal of right of implied access notices in front and rear property windows. - My parttner has emailed Marston Group stating that she is the sole Tenant for this property and has been for some twelve years plus. She has warned Marston Group that any attempt to subvert or rebuke her notice will result in an invalid levy which will result in a Form 4. Yesterday whilst I was away from the house again printing documents and posting al relevant informations X visited again this time leaving a FINAL NOTICE ! Now I'm worried! I moved in with my partner directly after Bankruptcy with nothing other than my clothes and a few unvaluable personal posessions. Everything of value in this house is hers. What more can I possibly do? Any advice in relation to this matter will be greatly received. Thank you for taking the time out to read my thread.

Hi, hope some1 can help, my husband has received a phone call today from this company about a debt with Barkley card which he is already paying to another company and has been for the las 2 or 3 yrs, he has told them this fact but they insist that they will take him to court if hr does not pay, he told them to take him to court if they wanted because hen the court herd that he as Leeds paying the debt to another company they would b laughed out of court and that he would then sue them for wot ever he could, they then told him they would continue to call him if he didn't comply. Can they actually claim u have to pay a debt that your leery paying??? Unbelievable !!!

My wife has recently started to get correspondance from these stating that she owes xxx amount for an account with Next Directory. She has never had a Next Directory or an account with them. She has contacted Debt Managers Sevices on two occasions explaining this and both times they stated they would remove her from their database and she would receive no more correspondance. Guess what, the letters keep on coming, the latest from their court dept., threatening court action. Yeah right. What should she do next: ignore them, which I'm inclined not to as this will obviously affect her credit rating and also mine by association. write to them asking for proof of account i.e. signed agreement which they will obviously be unable to provide. Contact Next Directory. We are now at a loss as to what action action to take as these numpties won't take no for an answer. regards Ken

Creditfix Ltd offer IVA, individual voluntary arrangements, the personel equivalent of a business going into administration if you like. The firm calls from two centers, Carlisle and Glasgow, and calls out under different names. The centres frequently change the names they use. They buy in details and cold call people who may be in financial difficulty. If you ask for your details to be removed they say ok, but it just means you wont get a call from them under the name they are using currently, carlisle may call and you say go away and dont call again, but glasgow could call the next day as it calls out under a different name. And when the names change..the dont call base is reset so you get them again. if you get a call ask if they are part of credit fix and why they keep changing the call centres name. The cold calling segments are recorded, but if you speak to someone else as you are interested in knowing more and getting an illustration youll be put through to someone else who does a basic income outgoings form with you. This lets them see if they can make money outta you and they ll ask about your debtors -this is important as some refuse to deal with IVAs others demand minimum returns and hence Creditfix cant make as much money outta you. This part of the call is NOT recorded...hence the friendly terms in use, the staff know they can speak as they need to get you on board and theres no recording to prove they told you something that isnt true. If you think theyre helping you.....think on a few things. If you agree to pursue things, the person on the phone is getting a bonus for hooking you and getting you to speak to a 'senior member of staff' or 'account manager'... .or some such guff.. ..its someone who can use a spreadsheet fast and can talk the talk. The illustration you are provided with is balanced to look good. 6 months in and its reviewed you could be WELL STUFFED, your repayments WILL increase. And the biggest selling point they have about protection for you if you are a homeowner is a two edged sword. If you cant make repayments (the new ones that you just got six months in thats anything upto %50 more than original level, much worse in some cases if your circumstances have changed) then they can FORCE bankcruptcy on you. Which means they get to force the sale of your property. An IVA is saying you cant afford your debts, but you could repay say %20. Creditfix knows the writedown levels different companies will accept and work out accordingly. An no matter how they dress up what they say their charges to you are, they ALWAYS earn offf EVERY payment you make. They may tell you that there only charge is 2 of your monthly payments. Sort of true...thats what they will take off you. But the payment they take to your creditors, well with this they agree with them a charge to come off that for themselves and the creditors will agree to that, the levels vary but there still earning. ..tho they tell you that all the monthly IVA payments go towards the debt. Some people may be helped by IVAs, but by a company that cold called you about it??? That keeps changing their name, even their location (started up in ireland, but the owner shut the irish centres moved into Glasgow, then Carlisle in 2012) hmmmmmm you decide.

Hi Everyone, I have just joined the group today,and need a little help. Yesterday my daughter borrowed my car , she parked it in a shopping centre car park she ran into the centre to get some change ,when she returned to the car there was this parking charge notice from ANPR LTD, The amount is £50.00 to be paid within 14 days ,if not paid within 14 days it goes up to £100 ,what do we do, pay them or not please advise. many thanks

I have received a letter from the above company stating nothing but an address I lived at over 2 years ago, a CSL reference and that I need to ring them within 10 days. Now i have no wish to speak to these morons over the telephone, I have dealt with them before over a disputed bill with orange and found them to be extremely rude and bully like. I am planning on sending a letter requesting information as to why they would like to get in contact with me (I have an idea what it is but I want them to tell me to make sure its not just an opportunistic approach) which will be followed up with a request for a true signed copy of a CCA (pretty sure they will not be able to produce this) but if this is produced along with correct documentation of debt then an offer of repayment. Any thoughts on this and any advice on how to word the letters would be much appreciated! Thanks in advance