My son lent his car to a friend and he received a notification from Northamptonshire Parking Management. My son spoke to his friend and said that he was driving at the time and agreed for his details to be sent to NPM, he completed the Form and sent it off. My son has today received a letter from Debt Recovery Plus Ltd with a demand for payment of £ 149. It states that he needs to pay this before 31/01/2014 and that failure to do so will mean that they will recommend to the creditors solicitor that court action should be taken. Clearly they have lost/ignored the details sent to them. The alleged contravention is: No Permit - location Whitbread, College Street - The Drapery, Northampton, NN1 2ET. Does he simply write back stating that he was not driving at the time and that their Form was completed - giving details of the driver at the time or? Any help much appreciated.

Have a bit of a problem with the duo above. I had a welcome loan which I defaulted on and was initially passed to Lewis Debt Recovery. I agreed a payment plan with Lewis and set up a standing order which has been going out since 2009, the last payment was made in December. Haven't heard a peep of Lewis since so as far as I was concerned everything was fine. I received a letter from Welcome Finance today notifying me that I have been served under section 87 with a default notice and that they may exercise their rights to enforce collection unless I clear the arrears before 24th January. Can they issue two default notices on the same account as I already have one from 2009 and I have not missed a payment since agreeing a payment plan which I would like to continue. Can someone please advise me the best way to approach this situation with Welcome I would like some advice prior to speaking to them on the phone on Monday.

Hi all I purchased a used BMW from a local used car forecourt in October 2010. I p/x'd an Audi and paid the remainder in cash. In January the vehicle was clamped by a baliff for outstanding parking fines commited by the previous owner. The baliff released the clamp after i showed him my proof of ownership, V5 and insurance. However, as i was about to drive away, he shouted out, 'the car has come up as wanted for outstanding finance'. I drove away thinking what a load of rubbish! But when i got home i thought, let me conduct a full RAC HPI check, which i did and to my surprise, the vehicle does have outstanding finance. When i purchased the vehicle, i bought it in good faith from a car forecourt not expecting the vehicle to have any dodgy story behind it. I did conduct a HPI at the time, however, it was a text you back service which revealed limited data, those £4.99 checks. Since finding out the background of the vehicle via the latter conducted RAC HPI check, i have tried to contact the car forecourt only to find they have ceased to trade. The chap who was the trader is no where to be seen. The site is empty. I contacted the finance company, 'Blackhorse' and they insist the vehicle belongs to them. Blackhorse have sent me a questionnaire to complete but i am very afraid of the fact that they now know my details, my address and will come and recover the vehicle. This has left me very depressed. Will i lose this vehicle and the money i paid for it?? Do i have any grounds as to claim the vehicle as i cant claim from a trader that no longer trades or can be located? Do these questionnaires actually make any difference or are they a ploy to extract my details for the point of recovery for the finance company? Somebody please help. Thank you for your time

Hi, yesterday my sister acted very stupid and stole from primark and as she is 16 the police were kind enough to let us go without calling our parents (I was with her and my younger sister who is 15). I wanted to know how long it takes for the letter to reach my house as I dont want my parents finding out. also, the police officer that was there said that primark might/ might not send out the letter but if they do it should only be a sum of £40 for wasting security officers time. how long does it take for the letter to come home and how likely is it for it to be sent home? please help

Hi, I have a Interest Free loan repayment product with Hitachi. I missed one payment in Sep this year during the turmoil of moving jobs and bank accounts. I spoke to them in early Nov where they agreed to waive associated charges but I was unable to make the payment as this coincided with a family bereavement and frankly it was a detail that got lost in the noise. I received a final notice from them yesterday demanding payment in full for £1150 including £200 of charges. I have received nothing from them in between less one email which I responded to asking for them to clarify the situation so I could sort it. I spoke to them yesterday which was particularly unheloful. Their position is that they have sent letters which have been returned. No idea why this would be as we have a postal redirect in place, and the Final Notice certainly made it through ! As a result they have terminated the agreement, and are demandding one of 3 options - immediate payment in full ( not viable - I don't have it) - immediate payment of arrears fol by agrred monthly repayment yet to be determined - agreed monthly repayment, yet to be determined. All of this has come as a shock, despite them having a clear proven channel of communication with me by telephone and emails they have chosen to ossue letters and use the return of those letters as excise to proceed and apply charges. I wanted to bring the account up to date, and continue with the agreement but I am being told this option is not open to me, and that the charges are fixed since they are contractually allowed under the agreement I signed. It does not seem possible to have a rational discusdion with these people - they are like Rottweilers fixed purely on extracting money out of me. Every discussion quickly reverts to 'How much will you pay today' ! I have told them I need to seek advice before committing and have resolved to contact them by Fri 3 Jan but they are unwilling to halt proceedings while this happens. Grateful for some advice on where I stand. My key issue is the charges they have applied - in the circumstances their attitude seems excessive, inapproriate and unfair. Help !

Hi there! Have read some of the excellent advice you guys have given here and have read on here about the scare tactics that this company use. Yesterday I had a house visit from one of them for a debt from Barclaycard, this was after all the pre-court letters etc they have been sending. I said that I wanted to deal with the matter in writing but the way the guy spoke to me tricked me into agreeing all of the debt (when there is some of it I dispute) and he wouldn't leave until I agreed to give him my phone number and to discuss with them about setting up a payment plan. I live with my parents and don't want him coming around again as I might not be there and it causes them unnecessary stress. I said to him on the phone earlier I only wanted to deal with the matter on writing and he gave me Moorcroft's number to speak to to set up a payment plan and to stop "gobbing off at him" when I quoted "In the event that you intend arrange a Doorstep call by your Employees or your Agents, please be advised that under OFT Rules, you can only visit me at my home if you make an appointment and I have absolutely no wish to make an appointment with you. There is no need, as written communication is quite acceptable in Law. Please note, there is only an implied license under Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore, take note that I revoke license under Common Law for your Employees, or your Agents or your Representatives to visit me at my property and, if you do so, then you will be liable to Damages for a Tort of Trespass and Civil Action will be taken. The Police will also be called." before saying that I admitted to the debt as that's what Moorcroft wanted me to do. Any help would be appreciated, I want to only deal with them in writing. Is the next step to write to their head office recorded delivery and quote this. I don't mind paying for the debt of course but seriously don't want intrusive debt collection from bullies who legally can't do anything anyway unless they take me to court!! CP

Hi guys I took a loan out with Wonga last year and then came out of work after i paid at least 40% of the loan back as that's all i could afford after i got my redundancy pay with other commitments. So they referred my debt to Mckenzie Hall DCA and they did nothing but hassle me with letters and bombard me with phone calls until i downloaded an app and blocked there calls full stop. Then i started receiving about 3 or 4 letters a fortnight with court action blah blah. So i emailed McKenzie Hall and told them im out of work here is a copy of my JSA Agreement all your getting is £1 a month until i return to work, sadly i am still out of work and kept up the payments until something comes along then ill increase my payment to clear the loan. I heard nothing for about 9 months until 22nd November 2013 with a letter now from Portfolio Recovery Associates so again now im going through all this hassle of chasing there sort code and account number as they have told me to continue paying the payment plan, i shouldnt have to mess around like this as now this is the 3rd time Wonga has gave this debt to someone else to recover and im getting sick and tired of it. Also 9 months ago Wonga offered me a £500 settlement figure which i said was fine and asked if they could reduce the debt to that and id continue to make payments and i would settle it once obtained employment they basically shrugged off my email and when i went higher up to the CEO they said they had no records of this email being sent to me sadly i lost my email account after cancelling my virgin media services so had no solid evidence to support it what is the purpose of these Payday Firms keep changing there recovery companies do i sense something fishy ?

Hello to everybody Today |I received the first letter from dept recovery plus ltd for a parking charge that had happened in Scotland in a private parking (not store parking) I wasnt driving that day I had given the car to somebody to help him moving in his apartment and got fined for that. My biggest concern is that the letter says that if they dont receive a payment before 10/12 they will recomend to the creditor solicitor that court action should be taken . The problem is that these days I am not gonna be in the country I will be away.. please help I attach the letter with all the details erased Thank you very much[ATTACH=CONFIG]47964[/ATTACH]

Hi all. Had a debt letter from Wescot today claiming £931.00 On behalf of Anglian Water. The bill had both my name and ex wifes name on it. I have no idea why they are contacting me so I called them. Apparently the bill is for an address that my ex lives at and dates back to 2005. He also mentioned something about closure in 2008? My ex still lives at this address so why the hell are they contacting me! I was with my ex in 2005 and I can only asume that it is from a previous property but she dealt with all the bills. What can i do about this? please help Chris

Hi there, a couple days ago I was caught shoplifting from TK Maxx, stupid I know, not sure why I did it, but for some reason I did (I'm 17). After I was caught I was taken to a room in the back where I was asked a few questions, name, d.o.b, etc. Once they had taken down my details I signed a 12 month banning notice and was told that I would be 'fined', I was not expecting it to be very pricey as the item only cost £9.99, but after reading some of the stories on here I starting to think otherwise. What I am partially worried about is that there was a police officer already in the room when I entered, later on I was told that the officer wanted to arrest me but what I'm to assume are TK Maxx security, convinced him not to, I noticed that he still decided to take my details down ? along with the other bloke. When I left I was given a notice of intended civil recovery, at the bottom of this sheet it says that my 'persona data may be stored and use by prospective employers within client companies to make employment decisions and for the purposes of crime prevention' this is quite worrying as I am currently looking for a job and thought that it may appear on an extensive CRB check. I have read a couple threads on RLP but I'm still not sure on what action to take, I really just want to forget about this whole thing and am considering paying, but I'm concerned that this may lead to them asking for more money and I guessing as soon as I pay this means they can hold me liable. But if I don't pay they say that they can take it too court. My knowledge on this area is extremely limited, so I must sound quite idiotic, could anybody help me please ? Many thanks.

Just had this email from wonga relating to a payday loan dating back from 2010 i think, should i wait until Moorcroft make contact ???????? , have Wonga sold the debt moorcroft, the loan was for £250.00 i think To view this email as a web page, go here. Wonga.com - Little loans, lots of control Dear TOTAL DEBT: £757.38 Agreement Reference: We are writing to you in connection with the outstanding balance on the above account, and the arrears owed to us. We are required by the terms of your agreement to inform you that Wonga.com. have now passed your account to Moorcroft Debt Recovery Limited as of 10th December 2012. Moorcroft Debt Recovery Limited will be dealing with your account on our behalf . In order to avoid further action please contact them at: - Moorcroft Debt Recovery Limited Moorcroft House PO Box 17 2 Spring Gardens Stockport SK1 4AJ Tel: 0161 475 2966 Pay Online: www.mdrl.co.uk Email: customers@moorgroup.com Please note that any and all queries that you may have on your account should now be referred to Moorcroft Debt Recovery Limited. Best regards, The Wonga Team wonga.com Any help would be great to sort this debt out cheers

Hi I had an accident at work in 2011, 3 weeks later my contract came to an end and after recovery of sorts i applied for JSA income based and was given it. I then started a compensation claim which is still ongoing. The jcp advisor at the time said i should claim IIDB which i did and was granted it at 60%, this payment was taken from my JSA, which is fine.now i have received a part 36 offer and a certificate to say the IIDB must be repaid, but i really cant see why ? If i had not claimed IIDB my income based JSA would have remained the same amount in full. So if i have to pay the IIDB part back will the DWP pay me back the JSA they have taken to make it level again, or it means i will have paid the CRU twice so confused original income based JSA was £103.60 per week (i have a disability and age element) after claim for IIDB my payment was separated to £80.80 IIDB and £22.80 JSA advisor told me only last week that if my IIDB stops then my JSA goes back to 103.60 so if the CRU takes back the IIDB will i have lost all that money because it was due to be paid anyway without IIDB please unravel my brain

We seem to have a new firm of solicitors involved with PPC! Has anybody else receive a missive from the afore mentioned JMW Solicitors LLP? They are chasing a debt from Debt Recovery Plus, who are chasing a speculative invoice from UK Parking Controls. What is a 'reputable' firm of solicitors doing getting involved with a bunch of cowboys - I assume form their website they are bit since they are involved with PPC I have to doubt this statement ! Of course it could be someone using their name and not the real JMW Solicitors. I will wait and see what else they do as they are sending the usual threat'o'grams - the usual if you don't pay in 14 days may sell you granny, take you to court, add another £85 pounds made up of solicitors fees (£50) court claim fees (£35), get a CCJ against you and then have you hung drawn and quartered. (well maybe not a couple of these items but most of them anyway). The amusing thing is the last bit where they say 'Applying for an attachment of earnings .....' I would like to see them try, my employer is a Limited Company, and I am the manger, director and anything else relating to the company, and my wife is company secretary, so how can they attach my earnings if I don't want them to?

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

Hi there, I have received a call from a debt recovery service regarding my Argos Card. I had it set up for Buy Now Pay Later to purchase items for my new home (approx £600). I then also purchased a Dictaphone, which did not fall into the BNPL parameters. Apparently Argos have been sending reminder letters for this payment to my previous address, even though the address on the account had been changed - I had the larger items delivered to my new address! As a result they have cancelled the BNPL privilege, added a debt recovery fee and are demanding over £800 to be paid now otherwise I will get a default. After being pressured on the phone to make the payment to the debt recovery firm, I have paid half the amount to avoid a default, but I am appalled at this situation. Can anyone please help? Thanks Clare

Hi, first time poster I received a letter in June 2013 from these people concerning an old debt from 1998 which I ignored. I have been making payments every month for years to another DCA with no problems on this debt, on the 24th July 2013 I received another letter saying I had defaulted on my agreement, as I was unaware that I owed this company anything I again ignored this. I then became worried that these people could demand this debt £1858.00 for their client FV1. I had a look at this website and sent them a Template N letter on the 1st August 2013 by special delivery. On the 5th August 2013 I received a letter for immediate settlement On the 9th August they sent me a screen shot and a list of payments that I had made since 2002 these payments on the sheet ended in 2011 but I have been paying £10.00 a month right up until I received the letter from Global. On the 16th August 2013 they asked me to call them I did not. On the 23rd August 2013 they wrote and said they would accept £1000 as full and final settlement as long as I paid by 6th September 2013 On the 12th September I received a letter stating they were going to send in the bailiffs etc. As of now they have still not supplied me with any copies of the original documents for the loan, so where do I go from here ?

Hi, I cant sleep this is going around in my head. My vehicle was crashed into by a stolen car. Vehicle has been taken into storage by the insurance company waiting to be inspected. Can i claim back my vehicle at anytime, Would the insurers/ under writers allow this? As how i see this is they wont have to pay me for value of the vehicle or pay a engineer to assess vehicle, Plus less storage costs? If they would do this would they bring vehicle back to my property or would i have to get it as its miles away from me. Reason i want this is my excess is 350 pounds straight away and a local scrapyard has offered me £300 for it in scrap. So for me to break even the underwriters would have to offer £650 and tbh i cant see that happening. Thanks in advance.

Hi my first mistake was to put my sister on my account for a phone contract. 7 months into the contract she somehow racked up£800 bill, which she could not afford to pay off straight away and neither could i. I came to an agreement with vodafone where i would pay off a considerable amount more than usual each month just to keep my service online. 2 months later she did it again with a £270 (how do they do it ??) and yes i know what your thinking now, why did i keep her service going... . After this vodafone cut me of and my sister decided she wasn't going to pay anymore because she couldn't use it, by this time she had moved out and was completely ignoring me. I carried on paying vodafone but got sick of it as they would not resume my service as i was at high risk of getting high bills and still had overdue from 3 months ago, even though i was paying off a nice chunck of the bill each month. I was struggling and vodafone weren't making it any easier, i had no choice but to start using a different provider as i needed a phone. In stopped paying vodafone and told them to cancel my contract and i will pay off the outstanding amount plus the termination fee in affordable monthly payments. They said they couldn't do this now and would keep the contract going for 2 more months before it was terminated, which they did. Enough of how i got there. 3 months later i got a letter from Fredricksons international, for the outstanding amount of £1100, with £100 of that being a charge vodafone added for passing it on to debt recovery. A week passed and fredricksons decided to ring my works reception with a automated message, which stated who they were and that they needed to speak to me. This was very embarrassing as anyone could of searched that name and seen who they were but i thought i got away with it that time until the next day they did it again. This time it was passed through to my department straight away while i wasn't there, again an automated message which the wrong person heard and found out and then proceeded to spread it around, i have never been so embarrassed. It got me to the point where i was considering quitting my job. As it stands they have stepped it up a notch and are claiming they will take action if payment isn't made and have displayed the court and solicitor charges that will be added. After all this i really do not want to pay them anytime soon but what is the best course of action to take ? They have made my job so much harder so i wanna return the favour. thanks chris

hi there, just need a little help, i recieved a letter from hamptons to persue my old contract with o2, well its couple years old, i am fully aware i owe the money, i have a finacial statement ready to send but i cant find a letter template that i could use in order offer of payment, if anyone can help that would be great

Hello, I would like to call on everyone that is currently being harassed and intimidated by Marshall Hoares/Northern Debt Recover/Toothfairy/Paycheck Credit. As you will may be aware these companies are all one and the same: http://companycheck.co.uk/company/06871092 http://companycheck.co.uk/company/06956396 NDR & Marsahall Hoares are registered to the same address: · 15 Lyndhurst Terrace, London, NW3 5QA This address is also at the bottom of Toothfairy’s website. Also anyone with an account/balance with Toothfairy Finance can also log into their account detail on the Paycheck Credit website. Both are mirrors of each other. http://www.paycheckcredit.co.uk/ https://www.toothfairyfinance.com/ This is as serious breach of the data protection act as Toothfairy and Paycheck Credit both claim to be independent of each other. I suggest anyone with an outstanding balance with either to go and try for themselves. Furthermore all of the letters they send out breach many OFT guidelines: ·Levy charges that are disproportionate to the main debt and which do not reflect the actual, necessary cost of recovering a debt" ·"Pressure debtors who have defaulted on an agreement to pay unreasonably large instalments when they are unable to do so" ·"Make misleading representations as to the action it might take or might be taking to recover a debt" *MARSHALL HOARES IMPLY THEY ARE COURT APPOINTED ect.. Please please if you are having any hassle with these companies make a complaint to: The Office of Fair Trading - enquiries@oft.gsi.gov.uk Camden Council Consumer Affairs - ppp@camden.gov.uk You can also contact the Daily Mirror who also investigating Daily Mirror - mirror@dailymirror.wnl.lk (FAO Nick Sommerlad) If we all pull together finally something will get done about these the way these companies are doing business.

10 months ago EDF fitted a prepayment meter for us so that we could pay off money we owed them at an agreed rate of $5 a week (sorry, can't find the pound sign on hubby's keyboard). The meter was charged with $48 on fit. They didn't leave the key and I had to ring them up and ask for one. The key duly arrived and we set about charging the key and (we thought) paying off our debt. A short while into the process, a second key arrived in the post. I rang EDF, explained that we had a key and asked whether we should use the 'new' one or continue to use the original. I was told that we should continue using the original - so we did. In April we received a letter saying that by some mistake EDF had failed to put our debt on to our meter, and that they would do so in the near future. They knocked $150 off what we owed as it was their fault. The debt still hasn't appeared on the meter. We have budgeted carefully for the cost of power, always kept the key topped up and never gone into the "emergency" allowance. Does anyone have any idea what our legal position is? It's their fault that the debt hasn't gone on to the meter - we have a letter saying that - and while we wouldn't dispute that we incurred the debt in the first place, we've been feeding this meter in good faith for almost a year and still haven't actually paid anything off what we owe.

Hi, Hope someone can help me here. I had a 2 year contract with Orange, all was going hunck dory until after my contract ended. My contract end date was 6th Nov 2012, I gave the 1 month notice period of cancelling my contract on 6th Oct 2012. Now after the day my contract was due to end (6th Nov 2012) I noticed my line was still active. I thought nothing of it, I cancelled my direct debit debit online. After a few months in Jan 2013 I get a letter from orange telling me to pay up for Nov 2012 and Dec 2012. I phoned orange and told them my contact had come to an end, they told me its still active, they did confirm that I had sent a cancellation request a month prior to my contact ending but were still insistent on getting money from me. Now the reason they gave me for not cancelling my contract was that I had told them to put my mobile number on a pay as you go sim. Orange said because I did not active that pay as you go sim the contact automatically continued on - even without my authorization. I told him thats the most abused thing i've ever heard and I refused to pay them a single penny. Now they have got a company called 'Moorcroft Debt Recovery' involved. They keep sending me letters to pay up or else... blah blah blah.... I want to know if there is anything I can do? I do not want to pay orange as they are just plain thieves. Anyone been thru this situation or can help advice please do so. thanks.

I've had letter from Lewis debt rec for 2686.82. They state I need to pay by 19th August. I can't find this debt on my Equifax report and though I have had past debts, t hey have been paid and upto date. I dont recognise this amount and no client is mentioned apart from CL finance and a reference number that looks like a mastercard credit card number. Should I ignore this letter? Or should I contact and enquire.

Need advise please on what I can do next with the issue I have with an insurance company, BDML which seems to have been taken over by Capita. Quick run through: I had house insurance with BDML in 2010/2011, for a year. When renewal came about I cancelled this policy as I was moving. Heard nothing from them, no sorry you are leaving or any acknowledgment for anything else. Didnt think anything of it until I noticed in the May/June when I was sorting out my 6 monthly accounts that money had been taken from my bank account from BDML. Immediately I contacted my bank and requested that they cancel this payment, I enquired why this had happened as this policy had been cancelled. They did check and said that no DD was renewed for this company and advised to contact them to have the money put back in my account. Unfortunately at this time I became quite ill and had a short stay in hospital. Then sadly lost my mother later that year, which I hope people can understand, all thoughts about BDML were furthest from my mind. However in the December of 2012 I received a debt letter with regards to a cancellation fee and admin cost's for cancelling the DD for this insurance. as BDML was not mentioned I had no idea what they were referring to. I contacted them, to be honest I cannot recollect what was said, but Capita who have now taken over stated that I said BDML had canceled. If I did say this then I must have been quite confused at what this was about. Again I hadnt long come out of hospital. Any way I had heard nothing from them until two weeks ago asking me again to pay xx amount that I owed. Didnt say what it was for etc so this time I emailed them requesting the policy and other information. They came back with a copy of a renewal letter from BDML !!??!! Certainly not what I requested. It states on the renewal letter that If I had not contacted them in an allotted time scale, they would automatically renew my policy. This is where the penny drops and I now know why this company had been taking out money from my account after I had contacted them to cancel. I distinctively remember cancelling the policy when my year was up because they tried to persuade me to carry on with the policy for the new property and were quite forceful about it and I got a bit cross with them. So basically they didnt cancel the policy as requested. The email goes on and states that as a good will gesture they will take off the admin charges and all I have to pay is £42 for the cancellation fee, which is the rest of the years payments. They took 5 months of £8.80 which they shouldnt of had. I have emailed back to Capita explaining the above, however does any one know where I stand in all this? Should I pursue BDML for the unauthorised DD they took or have I to pay the 40 odd pounds cancellation fee. I really dont know where I stand in this situation. I just dont want to pay out more money for a service I didnt get even after cancelling. Thanks in advance guys

Hello, I've received 3 letters from "Lewis Debt Recovery" claiming I owe £300+ to an eBay related client. At least the last 2 letters were hand delivered. I've not used eBay for years, and have never bought anything from it worth more than 10s of pounds. Each letter has a different address for Lewis - England, Scotland and now Ireland. Best of all: they've spelled my surname incorrectly on all correspondence. Dodgy! I've read a few similar posts on here and I'm happy I could just ignore these letters. However, the address is actually my parent's and I no longer live there. The letters are scaring my parents somewhat - especially as they're hand delivered. What is the best course of action to make Lewis Debt Recovery go away and stop bothering us? Many thanks, all help appreciated, Annoyed By Lewis PS As an aside how the hell have these people got my (incorrect!) details!?