premier parking logistics are a part of BPA. i got one and now a letter form DCBL stating that a notice of debt recovery. what do i do? dont want to pay. but will pay up to £60 if needed dont want to say that and then they decline. Hi, got a letter on the 27th Feb 2018 stating that £100 invoice. Also, got a letter from DCBL stating that it is a notice of debt recovery. on the rear of the dcbl letter says case is not subject to high court or bailiff action What to do. dont mind paying up to £80 in installments but not really the £160 Thanks Quick replies needed please as 14 days from dcbl letter is up tomorrow. Was issued in birmingham. Both machines were out of order but stupidly did not take any photos of the machines!!!! They are with the BPA. Any Help thanks !

I overdid my stay in Lidle as I could not decide over a walllnut loaf or a graian loaf (honest). Have had a letter come in the post saying I owe £45 (£90 if not paid in 14 days). I understand a lot of these private car park firms have little legal legs to stand on, can I just tell them to shew or is there a small amount I can pay, I heard if there is an hourly rate they can legally only charge you per that hour that you stayed. Any help would be greatly appreciated. Just read this.... Dairrty old buggers aint they. http://forums.moneysavingexpert.com/showthread.php?t=4694729

Hello everyone, I've recently received a Parking Charge Notice from Park With Ease Ltd (PWE) and I'm looking for some advice. On the 30th December I parked at Ferry Meadows in Peterborough for about 50 minutes and completely forgot to pay my parking fee... that was until yesterday when I received a parking charge letter (dated Thursday 15th February 2018) from PWE - see attached pdf titled "Park With Ease PCN Letter". I've had a little browse at other cases and something that keeps getting mentioned is that they have to send the letter to me within 14 days of the 'offence'. Am I correct in thinking that I would have a good chance of a successful appeal (perhaps with the Independent Appeals Service rather than the initial PWE appeal) based solely on the fact that the letter is dated 33 working days after the 'offence'? Just looking to get some advice before I decide whether or not to appeal the charge. I have no real defence as I completely forgot to pay, so I'm just curious as to whether the 14 day notice period means I don't have to pay. Thanks in advance for any help/advice. Mike. Park With Ease PCN Letter.pdf

Hi, the driver parked at Walmer Street car park on 8/4/17 and went over the parking time by 20 mins. After 28 days i received the 'Notice to keeper', which after reading online i ignored and any further correspondence thereafter. Unfortunately it is now being taken to court. My argument was that I did not receive any photo of the parking as i or any other driver of the vehicle couldn't recall parking at the relevant car park. I have a court case on 27th February 2018 and just received the Witness statement from Gladstones Solicitors. I have attached a few of the pages, please can someone advice on what i can do. I do notice from the photos the ticket that was purchased states 'Wilmslow Road' which is acknowledge in the statement but the case mentions 'Walmer Street', can i use this in court as my defence? if there is anything else that i can use so i can prepare before the case. If you need any other information please feel free to ask. Any help will be greatly appreciated. Many Thanks

Hi all could someone please advise me on this matter. Today i have received a parking charge notice dated 26/09/17 stating my car was parked for longer than the period allocated and it states i was parked for 8hrs and 50 mins. My wife parks the car in this car park for work and quite clearly remember that on this particular day the machine was not giving out tickets but was accepting money as their was alot of people complaining. She phoned the number on the ticket machine but no answer so left a note in the car explaining the situation and no more was heard until today. Now she knows for a fact she would of paid for 9 hrs parking as she was at work and the ticket says she was parked for 8hr 50 mins so in fact she wasnt even late back. If i pay within 14 days i can pay 60 pounds but quite honestly i dont think i should pay them anything is it worth ringing them to explain what happened?

Received a claim? Yes Issue Date: 15-12-2017 Amount approx: 1979.25 Claimant: Cabot Financial (UK) LTD Solicitor: Mortimer Clarke Solicitors LTD Original Credit: Capital One Particulars of Claim: 1.By an agreement between CAPITAL ONE BANK (EUROPE) PLC & the Defendant on or around 08/10/2015 (the Agreement) CAPITAL ONE BANK (EUROPE) PLC agreed to issue the Defendant with a credit card. 2.The Defendant failed to make the minimum payments due & the Agreement was terminated, 3.The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1794.25 Stat Barred? No Have sent: Acknowledged the Claim, Sent a CCA request, Sent a CPR 31.14 request Have also file my defence. Well i had a letter back from their solicitors this is word to word and don't they proof check before sending out? also i know about Cabot Financial (UK) Ltd are unlicensed. Which means its an offence to under take debt collecting activity contrary to the Financial Services and markets Act 2000 and technically they aren't unlicensed they are unauthorised. "We confirm receipt of your defence. We can confirm that we acknowledged your request for documentation pursuant to civil Procedure part 31.14 and consumer credit act 1974, in the letter you sent to you on the 28/12/2017 (copy enclosed) In response to your assertion that our client is not authorised by the Financial Conduct Authority ('FCA'), the FCA register shows Cabot Financial (Europe) Limited permission as lapsed because, with the permission of the FCA, it has been made an appointed representative of Cabot Credit Management Group Limited. Cabot Credit Management Group Limited is a principal regulated firm and with the permission of the FCA, has .appointed its operational company, Cabot Financial (Europe) Limited, as appointed representative to perform debt recovery and/or debt administration activities on its behalf. Please find enclosed a copy of the Notice of Assignment and Statement of Account for your records. Our client's position is the documents provided evidences how the balance accrued and how a balance remained outstanding when the Agreement was assigned to our client. In response to your request for a copy of the Deed of Assignment, our client considers that it has no statutory obligation to provide you with any further documents in relation to the assignment. It has complied with its statutory obligations by sending you the Notice of Assignment in accordance with section 136 of the law of Property Act 1925. Furthermore, the Deed of Assignment is a confidential document client and the original creditor. We are instructed that the Deed of does not contain any personal details relating to you and is not disclosure. We can confirm that the remainder of your defense has been referred to your client for its instruction and we will contact you with a response as soon as possible. In the meantime, the Matter has been placed on hold." As you can see they are on about Cabot Financial (Europe) Limited, and not Cabot Financial (UK) LTD, also no Deed of assignment, or the original agreement, all they sent was the letter from capital one saying that they sold the account to cabot credit management group, and the letter Cabot sent to say they now own my account from Capital One and 3 pages of payments made to Capital one. What should be my next move? to me it seems they don't have the paper work to back their claim or am i wrong. And is there any other letters i can send to ask about the Deed of assignment and the original agreement?

Hi Looking for some last minute advice with this claim, when i started to tackle this back in 2016 i was taking advice from another forum and now know that the CPR18 was the wrong approach. The debt is for a credit card that was taken out in 2013, the total debt is £654.68, £784.68 with the court fees. My first communication from Hoist Portfolio was 2 weeks before the court paperwork arrived. I am appearing in court on Friday to try and defend this claim. I received a claim form from the court on the 18 Feb 2016. On the 22 Feb i sent a CCA request and a CPR18. On the 14 March i submitted my defence having received non of the information i had requested via the CPR18 and CCA request. On the 4 May i received the directions questionnaire which i selected mediation, the claimant also chose mediation. On the 24 May i received an appointment for the mediation to take place followed by an email questionnaire which i completed and had to say no to the question that asked do you have enough information about the claim to enter negotiations, unfortunately because i didn't have any of the information i had requested and i answered no this then meant mediation was no longer an option. I then heard nothing more about this claim until i received a copy of a court order dated 3 November 2017 sent to the claimant asking them to provide all the information within 21 days that i had already asked them to provide in the CPR18 request and not received. The claimant then had until the 10 January 2018 to pay a fee or the case would have been struck out. The claimant has provided what i believe to be all the information requested by the court and the hearing is on Friday. I have uploaded what they have sent me. I am not sure where to start with this, i dont know if its relevant but the account number that is menationed in the witness statement is different to what is on all the other documents but the card number is correct. Documents provided Witness Statment Terms & Conditions/Re-constituted Agreement Statement of account (not uploaded) Copy of Claimants predecessors system Notice of assignment Robinson Way letter Why when the defendant requests the information the claimant doesn't provide it, a year can pass by with hearing nothing, the courts request the information and they provide it straight away?? I know this is all very last minute but any advice would be much appreciated. Many thanks Macker16 claimant ws.pdf

For tickets received through the post (Notice to Keeper) please answer the following questions. 1 Date of the infringement 2 Date on the NTK 22 November 2017 3 Date received Letter says it was sent on 28 November 2017, but only received letter just before Christmas. 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? No mention of POFA in NTK, it is mentioned in follow up letter from debt recovery agency. 5 Is there any photographic evidence of the event?Yes 6 Have you appealed? Have you had a response? No 7 Who is the parking company? Smart Parking Ltd For either option, does it say which appeals body they operate under. There are two official bodies, the BPA and the IAS. If you are unsure, please check here. Original PCN mentions IAS, but your link says BPA If you have received any other correspondence, please mention it here. Received letter from debt recovery agency, saying charge is now £160.

can someone advise me please... i have received a claim form from Ascent legal on behalf of the above. it relates to an amount £2864.14 which is in relation to a secured loan from black horse. i have paid them nothing nor have i replied to any correspondence in over 6 years - is the claim statute barred or not? thanks in advance

Ill start with how and what it has come to for me to post on here. Around this time last year my nan went into end of life care at a pilgrims hospice in kent. At the time I was temporarily living with my mum who lives in Hertfordshire for work. There was no long term vision so I never changed my permanent address. I do have a dart charge account but before working there and due to other reasons I hadnt actually been to Hertfordshire often thus using the dartford crossing, overlooking the fact Id got a new car since the last time I had been there. As I also ride motorbikes and more often ride that and wouldnt pay dart charge manually. When my nan went into hospice for end of life care over the space of a couple of weeks there were five occasions i used my car and didn't pay the dart charge fee. My dad would open my post delivered to his address, but in the circumstances with his mum and my nan being so unwell and eventually passing away. The fines were sent to equita. This is where the trouble started... Originally the five penalties added up to a sum of £10, but through equita LTD they amounted to £190 each! Once I became aware of these I got in contact immediately and tried to resolve/explain the situation and set up a payment plan as id never had anything like this before. I ended up having five separate 'accounts' with them, I asked for have one set date a month for an individual payment to be paid by either standing order or direct debit to make things easier for both parties. But they insisted this they couldn't do this so on five separate times of each month a different amount would need to be paid. But being paid weeks, working long hours and with other financial commitments it was difficult. One week with no warning I had missed a £20 by a day, with no warning I had an enforcement agent at my dads door, demanding 3 of the 5 accounts in full plus his £235 fee. I ended up working nights paying him £100 a week. I even payed him £175 while on holiday which was a birthday treat from my girlfriend. After this and paying over £700 in such a short space of time, I called the office number, on hold for over an hour sometimes purely just to ask for a single payment date and a statement of all the money I had paid. With no exaggeration there has been over 20 times I have been hung up on or spoken to either rudely, patronising and even aggressively I have been told they have no record of what I have paid. At the end of November I called and made a payment which apparently cleared of my 'accounts' as the last two payments were made on the 25 and 29 of the month I asked if anyone would be in the office to pay on those dates in December, the lady on the phone told me there wouldn't but it would be fine to pay the end of the first week in jan. Which with luck was actually my pay day and all was well... Until Jan 3rd 2018 when I received a call from the same enforcement agent I had paid hundreds of pounds in the summer saying he had visited the address demanding the full amount plus £235. I had no warning, only recently I have received texts on the 24th and 28th as a reminder, but no one at equita was working!!! And i had been told friday the 5th would be fine. Since they have continued to hang up, will not discuss anything as its not their problem its the enforcement agents. I even have a couple of phone calls recorded proving this. Yet I still have an agent demading now over £500! Any ideas where I go??? Sorry for such a long threat but I thought it would be better to get it all in that reply filling the gaps later Thanks Also, A point I have missed. On four or five occasions asking for the statement and reciepts which they promised to send. Every single time I have only received what seems to be a generic print out of that I owe them money, with no statement or payments!!

Hi all : haven't posted in a while. Had letter out of the blue yesterday from Global Debt Recovery Ltd (New Malden) Client Jefferson (Insurance Product) sum of just under £100.00. We are today appointed as agents for the collection.......basically giving me options how to pay etc Never heard of this company and quite frankly don't recall any insurance owing. Any advice on how to respond please kind regards

Around 18 months ago i agreed to a three year Landline and Internet contract with True Telecom, which i soon regretted , The internet was weak and the lower prices that i was assured were not to be ( read the small print i suppose ). A few months ago i saw a direct debit set up on my account from Chess Ltd ?. I looked them up and asked who are you ? I was told that Chess had taken over the service from True Telecom. I noticed the service prices going up, yet we hardly use the landline and had the same weak internet router and service. A couple of weeks ago i got a call from a broker who offered me a deal with one of the big providers for around a third of the cost and much better internet and i agreed. A few days later i received a letter from Chess regarding the switch of service informing me of an early termination fee of over £400 pounds. I contacted Chess telling their representive that i dont have any agreement with Chess and was told that Chess purchased the account and i would owe the amount, I was then offered a deal of cheaper service though not as low as the amount on offer through the broker and a new 18 month contract with Chess which was not on with me. The new provider took over yesterday, We now have much better broadband and the phone is ok. Do i need to pay Chess at all and if so as much as over £400 pounds and if so can i pay instalments ?. All advice welcome folks.

I have received a County Court claim form for Lowell Portfolio 1 Ltd for an old BT debt 10 years + for £290 incl. fees and costs Can anyone point me in the right direction to a Defence Template I can use I have already requested further information from Lowell as I do not acknowledge the debt as it is so old and have since had other accounts with BT over the years but yet to receive a reply I have till the 13th Dec to submit my defence Thank you

Hi I also received a PCN from VCS Ltd for stopping for 8 seconds on 28 May 17 to pick up my distraught Sister-In-Law at Liverpool Airport. She didn't go to the pick up point as arranged but thought it better to start walking towards the main road. I received the initial notice from VCS Ltd but ripped it up and binned it (so I don't know if it was within the 14 days timeframe). I then ripped up and threw away their second letter. The first letter from BW Legal came int he same envelope as a letter from VCS saying my account had been passed to their legal team. The second on says its a 'FINAL NOTICE' saying their client has instructed them to commence County Court Proceedings against me for the recovery of the Balance. I'm not quite sure what to do at this stage, I have read through lots of the forum threads and am thinking of sending BW a letter telling them I am not paying and to leave me alone. Any help would be greatly appreciated

https://www.consumeractiongroup.co.uk/forum/showthread.php?482555-Hxcpm-pcn-St-Georges-Car-Park-Fitzwilliam-Street-Huddersfield-HD1-5BB&p=5074615#post5074615 The car owner has been issued with the same notice but I was the driver. Same experience as above. Where does he (the car owner) stand? It is annoying that someone takes the money for your ticket physically but then you get told you haven't paid. I also have the ticket as evidence. Again, parking attendant said to put on dashboard but no reference to terms and conditions. Interestingly I parked around 7:30am. It was dark so even if the signs were up at the time, they weren't illuminated so would that add weight to the argument? Do I reply or just wait?

Hello All, I have just received a 'Parking Charge Notice' from HX Car Park Management Ltd. According to the contravention the: 'Pay and Display Ticket was face down' and they are requesting £60 (if paid within 14 days) or £100 (if paid within 28 days). There are no ticket machines in the car park and on arrival to the car park you pay cash to an attendant, he gives you a piece of square, coloured paper with the date printed on it (which they have photographed as evidence). Each day you're provided with a different colour. With hindsight, I stupidly didn't realise that I needed to place the dated ticket face upwards. I was under the impression that you couldn't park there without going past the parking attendant. Worryingly, I could potentially be liable for at least another three days as I'm not sure if I placed the coloured ticket 'face up' on the following days. Any advice would be most appreciated as this could potentially be an anxiety inducing £240.00 in total (almost a week's wage for me). All the best, Amy

Hello, I have today received a letter from SCS Law who claim they've been instructed by Highview Parking Limited to recover an alleged penalty charge notice incurred by myself/my vehicle. Incensed by the content of this letter, I sought to establish what the address of the alleged contravention was supposed to have taken place it turns out to be my local gym where I've been a member for nearly 20 years and as such a legitimate user of their car park. I initially contacted Highview Parking to enquire about the reason for the letter and/or alleged contravention was advised by a lady to write to their Appeals Team who're based in Barnet. A second call to SCS Law drew a complete blank as the gentleman on the line advised that the firm had not been given any details on the alleged offence and had only been instructed by Highview to send out to me an initial notification letter. Now, knowing how some of these cases can be won and lost through technicalities and not wanting to allow my heated emotions overrule any logical thinking on my part, I'd be grateful for any advice on how I should proceed with this please, e.g. how and who to contact, my line of argument, etc. Thank you.

Good afternoon all, like to say big thanks for this forum reading through all the cases I have managed up until this point not to ask for advise..... I have been through letter receiving from Lowell, phones calls, sending CCA & CPR requests, creating my witness statement/defence etc (attached to this for background) I have my court date 21st November 7 Lowell have paid the allocation fee which I checked with the court today. This is for a debt with Aqua credit card around £1200 original debt. My question is....... .They have supplied my old credit card statements but I still haven't received the signed CCA agreement I have asked for or the default notice? Does that help me in court? They have even put on their defence they haven't got it but will continue to ask for it from the original creditors? Suppose what I am asking is without me receiving it then surely even if they did turn up with it at court then they can't enforce a CCJ? Could be wrong but wanted to gather some thoughts from other members? Anything else you need to know please let me know. Thanks

Hi everyone I hope I've posted this in the correct forum as I'm back again just looking for advise and general pointing in the right direction. I've received a letter (PDF attached) and presume at this stage all I can do is send a CCA request to Link? Do I send a SAR to Link and MBNA or just to MBNA as they were the original creditor? Regards Suss Link.pdf

Hi I took out a door step loan in 10/2010 due to my younger sister having a stroke I defaulted in the same year I have not paid or recognised this debt since in 2014 it was assigned to lowell who marked it on my credit file as a new debt. Today I received a letter saying despite previous letters I have not made an agreement they are giving me 30 days notice before court have included a load of paperwork for me to fill out about financial situation other debts and am I seeking debt help or who I plan to pay. They say that because they took over the debt in 2014 the six year rule started when the took over the debt. The original debt no-one appears on my credit file as it went statute barred either the end of 2016 or early 2017. How do I fight this if it comes to court

Claimant -Lowells Date of Claim...02 Oct 2017 What is the claim for – 1 the defendant opend a jd Williams reg consumer credit acc under refxxx on 18/03/2008 (the agreement) 2 in breach of agreement the defendant faled to maintain the required payments and the agreement was terminated. 3 the agreement was later assigned to the claimant on 20/12/2012 and written notice given to the defendant. 4 despite repeated requests for payment the sum of £1530.00 remains due and outstanding, and the claimant claimes a.the said sum of £1530.00 b. interest pursuant to s69 count courts cost act 1984 at the rate of 8% per annum from the date of assignment to the date of issue accruing at a daily rate of £0.335 but limited to one year, being £122.40 c costs What is the value of the claim? £1837.40 Is the claim for - a Bank Account (Overdraft) or credit card or loan or a ctalogue or mobile phone account? catalogue When did you enter into the original agreement before or after 2007? after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? no Did you receive a Default Notice from the original creditor? no but not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments?was made redundant What was the date of your last payment?4 or 5 years ago Was there a dispute with the original creditor that remains unresolved? yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes What you need to do now. we dont have any paper work for this and not sure were to start,i will be responding to claim and sending the sar ect out

Hi I have received a Magistrates Liability Order for 2 people who do not live at my address and the debt relates to a different address they have advised they will be taking goods in the next few days !!! Help I cannot get any advice

Hi All, Today I have received a letter from Moriarty Law: Our Ref: xxx Acc No: xxxx Amount Due: £185.88 Claim No: xxxxx Original Lender: Talk Talk Limited Dear Mr. X, Following our earlier letters regarding the above outstanding balance we have now issued proceedings in the County Court at Northampton to effect repayment of this debt. You will shortly receive a County Court Claim from Northampton County Court along with an information pack containing details on how to respond. It is still not too late to amicably resolve this matter and therefore please call our offices within 14 days on 02031264544 where our litigation executives will be happy to help and explain the options that are open to you. Yours faithfully, Moriarty Law I believe this "debt" relates to my previous house where I lived with an ex-wife. My ex took out a restraining order against me and so I was effectively kicked out of the house. I contacted Talk Talk who supplied the phone and broadband and told them I was no longer living there and they sent me a change of ownership form. I filled it in, sent it off and thought that was the last of it, and cancelled my direct debit. Until today, when I received the above letter. I have access to my Experian credit report and nothing mentioned on there about it either. After checking my emails, I signed up on 10/11/2012. After checking my bank statements, it seems the last payment I was for £10.11 on 04/07/2013. Will I definitely be getting a claim form or is there a chance they are trying to scare me into paying up?

Name of the Claimant Lowell Portfolio ltd Date of issue – 11 September 2017 What is the claim for – Particulars of claim 1) The Defendant entered into an agreement with EE Limited (formerly T-Mobile UK Ltd) under account reference 12345678 (the agreement). 2) The defendant failed to maintain the required payments and the service was terminated 3) The Agreement was later assigned to the claimant on 30/09/2014 and notice given to the defendant 4) Despite repeated requests for payment, the sum of £308.58 remains due and outstanding. and the Claimant claims a) The said sum of £308.58 b)Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.068, but limited to one year being £24.69 c) Costs What is the value of the claim? £418.27 Is the claim for - a mobile phone account When did you enter into the original agreement before or after:Not sure of date but think after that date. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not aware. Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial difficulties What was the date of your last payment? Think it was in 2012 but not sure. Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management? No You very kindly helped me sort out a claim from Hoist/Barclaycard last year which ended up stayed. This is another one my that has come for my girlfriend this morning and I am trying to sort it out for her. I have already sent an AOS via MCOL for this claim as I did in the previous claim. What is the next step, is it different as it's a mobile phone debt rather than Barclaycard? Thanks for any help you can give!

Hi all, Looking for some advise. As the title says got court action from Motormile on behalf of Cash Genie. Submitted my defence quite awhile back on the 25th august and have heard NOTHING at all. The claim history when logging in stands as below Claim History Your acknowledgment of service was received on 14/08/2017 at 01:07:10 Your defence was submitted on 24/08/2017 at 21:44:09 Your defence was received on 25/08/2017 at 08:02:45 Just wondered what happens now? Did / Do they have a timeframe they have to adhere by before it gets thrown out? Just looking for advise as i haven't got a clue. Many thanks