Hi, I purchased some marine plywood from a merchants for my shed roof last september. It was delivered on a Friday, I put it up over the weekend. On Monday it was warped and useless. After inspection from their Area Manager and efforts to blame me for the issue, the timber merchant sent new material and finally offered a £100 refund. I had to tear down the new roof and spend another weekend and purchase additional materials to put up the second new roof in as many weeks. About a month later I finally received a refund for the full amount. Followed the next day by an email request I return the payment less the agreed refund. I have not received a letter of apology nor a verbal apology from the company nor any other communication. I felt aggrieved and so ignored their requests feeling just deserts had been served. Now I am receiving letters from Judge & Priestly threatening court proceedings if I do not make the payment plus additional £40 charge and interest accruing at 0.10p per day. What should I do, this company treated me quite badly with poor materials and poor customer service.

Hello you wonderful wonderful people Let me cut straight to the chase I parked in a private land which i have done a number of times while going to the bank in town. I did not see any visible signs with terms and condition only a worn out red paint on the wall with the words private parking. I comeback half an hour later and lo and behold i have parking notice slapped on the windscreen of my car. As advised by friends and people on forums I chose to ignore it. Got a few letters and chose to ignore them as well. Then as usual with these private companies i got my case passed onto a 'debt recovery team' Miah solicitors in this case. The letter is pretty much as a copy and paste of all the other letters from miah solicitors people have posted on the forums. £100 owed to UKCPS, £25 admin, and £150 for legal costs to these culprits. Same idle threat stating 'this letter before action is being sent to you in accordance with the Practice Direction on Pre-Action Conduct contained in the Civil Procedure Rules. In particular, we refer you to paragraph 4 of the said pratice direction concerning Court's powers to impose sanctions for failing to comply with its provisions. Take note, that if we do not recieve any payment or contact you from within 14 days of the date of this letter, we will take our clients instructions regarding how they wish to proceed which may include considering issuing 'legal procedings' Here is my response letter gathered from information off the forums and watching a youtube channel called DerpJD To whom it may concern I am writing to you in response to the letter received regarding an alleged private parking ticket by your affiliate UKCPS. May I first of make you aware that I am well educated in the matter of private land tickets and the legalities. Before your idle threats can even be taken seriously you will need to provide me with the following; 1) Proof that Mr XXXXX XXXXXX was the driver at the alleged time. 2) Receipts of the legal charges that have been added by you of £150 with VAT. 3) A bill. The following are not bills, a parking charge notification, a statement, a charge certificate, not a notice, not an invoice. 3) Proof of a contractual agreement between me and your client. Under all commercial and civil laws, in order for man/women to take a complaint to a court or to a magistrate to make a claim for a court hearing tribunal/trial then there must be a documented contract with full disclosure by both parties with terms and conditions, signed with wetted ink (not a PDF signature) with human names and the date of signature. As you are well aware of no contract existed. 4) As advised by a solicitor in a free consultation, your letter has no reverse liability so it is better off throwing in the bin. For your letter to have reverse liability you will need a wetted signature with a human name printed. You know this will leave you opened to be counter sued so you have opted not to do so. S o your letters will remain meaningless and empty as long as you continue this practice. 5) If you have gotten that far then I will also need evidence of damage/loss of property during the parking of this vehicle at the alleged duration by the LAND OWNER to justify the fraudulent parking ticket. I will also like to state this is not an appeal this is a rebuttal. Any private parking companies that try to apply levy onto people in this exemplary matter is null-in-void. The only way you can get any squeaky leverage to go to a court or to get legal action in any way is to ascertain/obtain an appeal in response to the INVOICE. This invoice by UKCPS will never be paid no matter how much you escalate the price until all these lawful conditions are met. Have a nice day Regards (i put my own copy and paste signature from google images just like they do) Il be waiting for your wisdom Slick

Hi, I am looking for some advice on how to proceed with a claimform I have tried my best to complete the CAG template (below). Name of the Claimant ? Cabot Financial (UK) Limited Date of issue – . 13 Jan 2016 What is the claim for – 1. By an agreement between Capital One & the Defendant on or around 13/07/2004 (the Agreement) Capital One agreed to issue the Defendant with a credit card. 2.The Defendant failed to make the minimum payments due & the Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 6000.00 What is the value of the claim? £6,000 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Before (2004) 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. (Cabot). 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? Yes, September 2010, giving me 28 days to clear arrears, I wrote back saying I couldn’t and sent I&E etc. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No, not to my knowledge. I tend to keep all financial documents sent to me and I can’t find anything from either Cap One (other than above) or any DCA. I’ve had a couple of cards with “Confirmed resident” stamped on them in 2012 and 2013. A few months ago, Experian showed the default dates as October 2010. Why did you cease payments? Feb2011 What was the date of your last payment? February 2011 Was there a dispute with the original creditor that remains unresolved? Yes, PPI claim of £1300 from 2004 to 2006. I got nowhere with Cap One, so went to the Ombudsman (FOS) in 2011. In July 2014, they rejected my claim and I registered with the FOS that I disputed their findings as I didn’t feel that they had fully addressed the points raised in my complaint. As their findings were final I have not done anything with it since. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I Wrote to Cap One in October 2010 into early 2011 chasing a response. They eventually wrote back saying that it had been passed to Friedrickson DCA and they were no longer dealing with it. I also wrote to Cap One about the PPI and they rejected it, hence the reason for going to the FOS. I wrote back to Friedrickson telling them I was disputing the amount with the FOS and have heard nothing from them since. Based on previous answers and advice on the forum, I will send the CCA request to Cabot tomorrow, presumably, I'll also need to send the CPR 31.14 request to Mortimer Clarke for further information as well. As far as the County Court forms are concerned, do I just complete the Acknowledgement of service form and leave the everything else blank? Do I tick 1. Intend to defend all of this claim as, depending on what comes back from Cabot/Mortimer Clarke, I don't know whether I have a defence or not? No doubt, I will have more questions further down the line, but I want to get the County Court form completed as soon as possible (certainly well before their deadline of 1 Feb?). I've never been in a court in my life, so this situation is somewhat worrying to say the least. Thank you.

Morning Caggers, A friend of mine sadly lost his sister last year, you may have read my post about transporting her body through the country previously, and it transpires that she has had a history of mental illness, which culminated in her death due to an addiction of Paracetemol. During her last few months it transpires that she has made some very odd decisions, possibly due to her mental condition, one of the strange decisions was to instruct a company of solicitors to be the only executor, strange as her mum is alive as is her brother and they have a family friend who is a senior barrister, or may even be a High Court Judge I believe. Anyway it is what it is and she did have a Will, again littered with odd decisions but it is her current Will . . . The main issue for her family is that she did own a property, 50/50 with a Housing Association etc, and there was a small amount of money in her bank. The solicitors in question are doing nothing with the probate or estate, her mum keeps looking after the house and has been paying the Rent/Mortgage, Council Tax, all the Service Bills etc . . . The funeral director is chasing for their money too . . . and yet the Solicitors do nothing with the estate . . . I'm led to believe that this is a common tactic by solicitors that sit on this for a year or two, to justify exorbitant fees which funnily enough equal what cash is yielded from the estate . . . please somebody tell me this isn't true as this would be a disgusting tactic by someone who is meant to be morally whiter than white and representing everything that this proud country stands for legally?

Hi, I am a newbie to this forum so please excuse any ignorance! So, I was under a 2 year contract with DL where I was paying a direct debit monthly. After 21 months of being a member, I decided to cancel my direct debit as I was relocating to London for a new job role. I emailed the club to let them know in advance, and then shortly cancelled. I cancelled in Sep 15 (my contract was due to expire Dec 15). Unfortuantely, I didnt provide them with "proof of relocation" untill now - after recieving letters from ARC and consequently Major Law Solicitors, telling me I owed the final 3 months fees etc. Having spoken to the manager at DL Derby, they are having none of it. The bottom line being, I am being summoned to court to pay the outstanding amount owed, simply because I provided the 'proof of relocation' a few months late (after my contract had expired).I agree that is through no fault than my own, as they had told me they required this letter. Will Major Law Solicitors continue to take me to court over this matter? I have proof of relocation and against the date I cancelled. I also emailed the club to let them know. So is this fair?

This has just happened to me! Diid you pay DWF? im terrified. the police believed me that it was a genuine mistake so why am I receiving these scary letters from DWf. I didnt even leave the shop but CAB have told me I should pay the £150-seems ridiculous for a letter saying 'amount of goods taken- £0, amount of damage - £0 and security costs £150 Please help me I am not sleeping and do not want to go to court! After a self-scanning mistake (£3 vegetables unpaid on a £20 shop) the police were called and believed me that it was a mistake. There was no mention of RLP to pay but now sainsburys have banned me from their stores for life (a joke!?) and DWF are sending me letters asking for £150 or they will take me to court. I am terrified and not sleeping. The letter seems ridiculous as I didnt even leave the shop with any 'stolen' goods- the security stopped me before the exit doors. The police also didnt fine me or caution me, just wrote me a stop and search note. Can DWF claim this money? I cannot have a criminal record and do not want to go to court for a self-scanning error. I will never use the self-scanning tills again and feel badly treated by sainsburys. DWF are real solicitors so can they legally ask for these costs? Surely sainsburys didnt lose any money on my behalf or have to pay the security guards extra to rudely interrogate me. Also surely the supermarket has no right to retain my details or pass them on? Please help put my mind at rest. thanks

I have a terraced house with a lease that is 999 years old in July this year I received a ground rent demand with additional admin charges totalling £198 I panicked and wasn't sure what to do I thought the extra admin charge was ludicrous and wrote back to them but receive no reply since then I have received additional ground rent demands and on 9 December received a letter from a firm of solicitors Landau and cohen demanding an extra £180 (£150 plus Vat) the ground rent demand is for the period 1/4/11-1/4/2015 which is £6 with fees added on top the bill now stands at £384 the letter is threatening possession of the property I am trying to get a copy of the lease from my solicitor or the land registry company Any help or advice is greatly appreciated

Hi all, Firstly, apologies for starting a new thread. I have read all the sticky threads and as much as I can on other websites/forums, but I'm still not clear on the best course of action. Any advice would be massively appreciated. I rent a flat, which has an allocated parking space. Unfortunately, I was not provided with a parking permit badge by the letting agent or landlord when I moved in. There are UKCPS signs in the car park, but as I was a tenant and had an allocated parking space, did not really pay them any attention. UKCPS have since issued three charges (charges on the windscreen and NTKs all received). These were issued in August and September 2015. I wrote in response explaining that I was a tenant (and providing a copy of a utility bill and lease agreement), but there response was simply to state that any time for appeals had elapsed and the charges stood. I did not bother with an IAS appeal, based on the comments on forums such as this. I am now at the stage where I am receiving letters from Miah Solicitors stating that unless payment is made "...we will take our Client's instructions regarding how they wish to proceed which may include considering issuing legal proceedings." The main questions I have are: 1) How likely is it that this will proceed to court? 2) What action should I take now? I have asked the Property Management Company to clarify their arrangements with UKCPS and asked them to request the charges be cancelled, but they have not been especially helpful so far. I have read my tenancy agreement and unfortunately it does not specifically refer to the parking space (but it is numbered, i.e. specifically allocated to the flat. Sorry for the long post and many thanks for any help!

Hi all, back in June 2015 i was a passenger in a vehicle that was hit from behind whilst waiting to exit the motorway. A couple of days later i was contacted solicitors firm. I naively thought they had beed directed by Hastings insurance (the drivers insurance company) to act on my behalf for a potential injury claim as they had my details including mobile number. They arranged for someone to come to my house to complete the paperwork for the claim. This was a no win no fee basis .They arrived and all seemed legitimate (as for as i could tell as i had not been involved in an accident before) forms were completed and they went on their merry way. I spoke to the driver telling him about the Solicitor he called Hastings and they denied instructing the Solicitor to contact me and in fact they had instructed another company to contact both me and the driver about the claim. Alarm bells rang and i decided that i would cancel the agreement i had the Solicitor. I emailed them to with the instruction to cancel the agreement and this was 10 days after signing the agreement. I thought i would be covered by the standard 14 day cooling off period? Just after i sent the email i had a call from the Solicitor asking why i wished to cancel and i explained that i wasn't happy with way they conducted their business. I had a letter from them some weeks later saying that as they had not received contact from me the case would be closed. Then today i received another letter asking me to pay for the costs they had incurred on my behalf. The bill amount is for £1,143.00. I don't know what to do. Can someone please advise if i have a leg to stand on? I just haven't got that kind of money. :shock: Gary

I'm aware that this is a really old chestnut so I apologise in advance. If the last payment in an unsecured loan was in June 2008. Then the account was closed by the bank in October 2008 (I had no and at all in the account being closed). Can someone confirm that the Cause of Action was one month after the last payment and NOT when the account was closed? Replies very much appreciated and any evidence or examples to prove the above would be fantastic. M...

Hi, First time that I've ever posted so bear with me. I have recently received a letter of claim from Lowell Solicitors stating the following. "We have not heard from you regarding your Shop Direct account and are instructed by our client, Lowell Portfolio I Ltd, to commence Legal Action and issue a Claim against you in the County Court Bulk Centre (CCBC) in respect of this debt. You must contact us or make arrangements to pay within the next 14 days or a Claim will be issued without further notice to you. If a claim is issued you will become for futher Court Fees, Solicitor's costs and interest which are estimated below: Current Balance £3171.33 Estimated Interest £253.71 Estimated Court Fee £185.00 Estimated Solicitor Costs £80.00 Estimated Total £3690.04" Then goes on to say about failure to respond may result in a CCJ.Any advice on what should i do? Thanks

Hi i have an ongoing dispute with Npower since April 2013 when they turned up at my rented property with a warrant and a bailiff and removed on of two meters. (its a large house that i rent out to multiple occupants). i found out they were chasing a debt between 20011-2013 when tenants were occupying the premises. Tenants claim they contacted Npower, but Npower deny it. Tenants deny Npower ever came for a meter read and i believe them as the meter is locked away in a cellar behind a number of locked doors. only one tenant has key to this. But by Dec 2012 i personally had been contacting npower at least 3 times with proof and meter reads, though i never had sight of any bills. When the meter got taken i discovered to my horror that they were chasing a bill for £14000. They only informed me of this a week after taking the meter and doing calculations. By December they gave me reproduced bills and now these total £17000 with interest and collection charges. there has been communication from both sides over the last year and over the last 4 months i heard nothing from Wilkin chapman and i changed address. lo and behold, i check my credit file on the weekend and discover a default ccj for not replying to their court summons last month. The ccj papers have not arrived yet and i have a form N244 with me to send off imminently to get the case infront of a judge hopefully asap. When i am writing my defence it is running to 3 pages and i wonder.... Do i write my complete defence with appendices in the n244 or will all this be requested off me at a later date? my main points for the n244 are that i never received the papers so am replying now requesting a hearing. my main defence from npower billing stems from two points, firstly their claim of a deemed contract and secondly..back billing clause. i can be more specific later but just to summarise, they claim i am on a deemed contract, yet i never had sight of any bills or any communication addressed to me eventhough by dec 2012 i have recorded delivery accepted letters from them which had all my details and details of tenants. The tenants have also written to them to change account in their name, i have copies of letters. They have charged me double the rates when normal bills are around £1500pa in this rented property. All the bills including the warrant were addressed to a tenant who left in 2010 even though they started a new account shouldnt it be in the name of "the occupier". They then rolled over the deemed contract at double the market rates at the time..i thought they were allowed to only roll over for a year.. They call it a micro business but now have reverted to a residential property account and in some cases VAT of 20% has been adjusted..but in others it isnt. Either way interest and charges have increased so i am no better off. But surely now there is more stringent legislation for a domestic consumer that i can rely on? Next i am claiming for Back Billing.. the bills were only given to me in April 2013 or rather dec 2013 (they took 6 months to calculate after they removed one of the meters) When i looked at the bills i discovered that the meter reads were 99% estimated and VAT applied at 20%. I contacted them and they removed the 20%vat for a micro business but there was no reply on the meter reads. I noticed the meter reads were inaccurate, often going backwards and two meter reads being mixed up causing apparent spikes in consumption. This has been verified by accurate bills from the supplier who took over from them. i have copies to post with the n244. The warrant they applied for was in the name of the former tenant but still they barged their way in and took the meter. They took the meter that was for the adjoing property (they are linked) so took the wrong meter and left tenants in the house without gas or heating/cooking facilites for a few days till i could get it sorted. They never responded to these parts of my query..surely this is negligence. Anyway, i am now sitting on a n244 and i know to send it with a fee of £155 for it to go back to court but am wondering..how much detail can i put in the form.. shall i enclose all their bills that show estimated reads..and show where the discrepancies are? or leave it to directions hearing or a further witness statement? if you could please advise a little that would be really appreciative..i would of course be hiring a solicitor as well but i think this n244 is urgent. thanks

Hi, I will try and cut a long story short!! I stopped making full payment on my Isme and Littlewoods account over a year agodue to the loss of my job, I have since had a baby who is now 6 months old and not working although my husband is. I contacted both catalogue companies advising of my situation and they couldn't come to an acceptable arrangement as we literally had no spare money so was offering £5 p/m on each account. At the time the balance on the Isme account was approx £2,000 and the Littlewoods one was £400. Both accounts went over to NDR which is understand is part of the company and again they could/would not agree to my offer - I still made a few payments of that amount anyway to show willing. Since then charges have been added to both accounts, the Littlewoods balance is now approx £700 and the Isme one is a whopping £3,800 due to interest and charges. Isme have now sold on the account to Capquest. I have had the initial letter from Capquest requesting full payment which I know is pretty standard. I'm not sure who will be taking the Littlewoods account yet but NDR managed to get a further sneaky charge on both account before selling them on. I was going to write to Capquest and advise of my financial situation and offer the £5 per month I have been trying to pay over the last year or so, I am guessing they will not accept this due to the balance. Can anyone advise if they may accept or if they will request a higher amount, also am worried about going to court etc. Can they add even more charges? I am so worried about everything and also about harrassment from them as have read a few things about Capquest - none of them at all nice. Lastly, a family member may be able to help me out a bit but couldn't afford by any means the full balance they say is owing, does anyone have an idea if Capquest may accept a settlement figure and if so roughly how much I would need to offer, do I need to pay low payment first before offering anything? Thanks so much and sorry for the long post - this is my first one so am not familiar with abbreviations.

I received a windscreen invoice from UKCPS after being parked illegal in a private car park. The background to the case was that my elderly mother who is diabetic was having a hypoglycaemic attack. It was medical emergency. My mother is a Blue Badge holder but there was not time to display the badge. I completely ignored UKCPS demands for payment after reading advice on forums. I have now received the attached letter from Miah Solicitors. They have sent me Practice Direct on Pre-Action Conduct. What would action would you all advise me to take? Should I now just pay it or continue to ignore it. Are they likely to take to court and would they like win they did so. I'm unable to provide evidence to support my case. Many thanks.

Hi, I'm not sure if anyone has any advice on this: I took a Welcome loan in 2008, which was refinanced. I then defaulted and did not hear anything for a few years. I did not follow up as heard they had gone into administration. Last summer I received a County Court Summons via Cabot/Mortimer Solicitors. I sent one of the CPR request letters, from this site and needless to say, they missed the deadline. This morning, I received a letter from the fore-mentioned Mortimer Solicitors, who have included all the info I requested in the CPR letter. They have stated that their client is happy to settle out of court and have offered a 50% reduction to settle. The question is: 1. is there anything further I can do? 2. Can they issue another County Court Summons, when first one timed out? Many Thanks talkback

Hi, I could really do with some help. I have been the victim of fraud by a builder working at my property accessing my credit card without my knowledge and running up a huge debt. I very rarely used the card and never received statements in the post. Turns out the statements were being sent but were being accessed and disposed of whilst I was at work. I have been fighting this debt since 2004 with the debt being sold from one debt collection agency to another. Finally Arrow Global instructed Restons Solicitors to take me to Court for the settlement of the outstanding debt which was not caused by me. Unfortunately I lost the court case and the Judge found in the favour of the Bank (they had a better Barrister than me) and now I have to pay back thousands of pounds of debt that I didn't cause. I have been told I cannot appeal the decision. I am being forced to pay the debt whether I like it or not! I am a single mum and cant afford this and shouldn't have to pay something that has nothing to do with me. I have offered a payment of £50 a month just to keep them quiet but they have rejected my offer. They want nearly £300 per month which I cannot afford. Does anybody know who I can talk to clear my name or is it too late now I have gone to court? They also want to do a charge on my property that I don't want. I have since found out this Builder has a criminal record and has done the same [problem] to other people. If anybody knows how I can deal with this, it would be appreciated. The Police were made aware initially when I first found out what was going on , but were unable to help me, stating it was up to the Bank or Credit Card company to protect me as the Consumer and their Customer. I certainly haven't been protected in any way shape or form.

I got a letter from CapQuest last week stating I owed Barclaycard £450 odd. I thought I had paid the card off and closed my account so checked my credit report and its showing as me being in debt. To cut a long story short I paid off the balance and asked Barclaycard to close my account. I didn't put the request in writing (first mistake I know), I asked them to close the account over the phone. I then moved house and didn't hear anything else from them, not even through the mail redirect I had in place for three months. My card was due for renewal in December 2010 but by then I had a toddler and a young baby to look after and my marriage had fallen apart so kinda had other things on my mind then my Barclaycard. I assume the new card was sent to my old address and the new tennant there has had a shopping spree at my expense. First I hear of the debt is when CapQuest contacted me so I sent them a letter asking them to prove I owe Barclaycard the money. If its an oversight on my part then I will pay but I'm not going to enter a debt repayment plan if I don't owe the money in the first place. (Didn't tell them that, just sent a letter template I got off the National Debt Helpline's website) I got a letter from them today which looks like a pretty standard response telling me to request statements from Barclaycard at a cost of £10 So what so I do now? Presume I contact Barclaycard and pay for the statements firstly as that will show when I paid the balance off and how this debt has racked up. But if it is the new tennant having a shopping spree how do I prove it? I could contact my old Landlord and ask for them to confirm the tennancy dates but would that be enough? Any help would be much appreciated

Hi All I am a first time user here please accept my apolgies for any mistakes I make! I have received a County Court Claim form from Bryan carter solictors acting on behalf of Lowell Portfolio the original debt was with welcome finance 9 years ago. I fell into financial difficulty due to divorce and was unable to pay the loan to Welcome, the last payment I made to Welcome finance was 22nd May 2009 ( although I need to clarify this payment with my bank) and the Issue date of the paperwork was the 22nd May 2015. I have never acknowledged the debt to Lowell or Brian Carter solicitors or made any payment to either of them, I also received a letter from Frederickson International as well (9th April 2015) also stating that was acting on behalf of Lowell Financial Ltd again I did not respond. I have answered the claim form stating I would like to defend the case and was looking for some advice on how to do so. I have followed some advice on here and sent a CPR 31.14 request along with a £1 postal order along with a letter asking for a full breakdown of my account. I also sent another letter requesting copies of the default notice, assignment and Formal demand. I received a reply from Bryan Carter ( attached) stating that its a simple contractual matter and part 31 of the civil procedure rules will not apply and in any event the notices of default and assignment left the control of the claimant when they were dispatched to me, they also state it is the original creditors policy to issue agreements at the start of the contract and statements throughout the agreement and in this regard we ask you to refer to my own records. I have not yet received a copies of the following: A copy of the agreement A copy of the original assignment form and any consideration paid a copy of any formal demands or default notices I have received a breakdown of costs allegedly from Welcome finance which includes £734.25 worth of charges and fees ( Total debt £3953.67 ) The Claim form states a total claimed of £4534.98 as they have added the court costs and solicitors fees twice by mistake! I am just waiting for a court date what if anything can I do in the meantime, my credit file is now decent for the first time in 6 years! Many many thanks in advance!

Hi. I wonder if anyone can help me. In June 2013 I received a parking charge notice at Chatham Maritime car park. It stated that I had been observed 'leaving the site', indeed I did leave to deliver a letter but then returned to the shopping centre where I purchased a few items. I wasn't aware that leaving the site was not allowed ( I used to regularly park in this car park and go to University) and did not notice the parking ticket until I got home. At the time I was all set to appeal and had written an email to send them but having browsed the internet I found the advice being given at the time was to ignore it and not acknowledge receipt of the ticket in any way. I subsequently received a few letters but for the last 18 months or so had heard nothing more so I assumed it was over. However last week I received a letter from Miah Solicitors stating that they had been instructed to pursue the outstanding amount ( now £275 - the original £100 charge, £25 admin fees and a further £150 legal costs). I was wondering if there is any time limitation on how long after the original fine they can continue to pursue it? I am now unable to find the original ticket ( I may have disposed of it, thinking that it was all over, or the receipts for the shopping) so am unsure if I would be able to appeal now or should I continue to ignore? I am now very nervous about the situation but am unwilling to pay £275 when it should have been free parking. Thank you in advance

I had an account with Xcercise4Less and i missed one payment because i was on holiday, When i got back i found i had all these charges on my account that made up to around £60. Obviously i didn't want to pay this, so i called them up and contacted them and they allowed me to make a new account with the charges on the old account being dropped. However a few weeks later i started receiving letters from Harlands saying i had to pay, i tried to phone them but they didn't answer after trying them a couple of times. So i just left it. I have now received a letter from Spratt Endicott Solicitors saying that they will take legal action in the next 7 days if i do not pay the balance of £241.40 . I am a student and can't afford to pay this much especially considering the yearly fees for the gym are £120. I just wondered if anyone could advise me on how to hand the situation? Thank you

Is this the end for Uncle Bryan?:whoo: http://www.credittoday.co.uk/article/18038/online-news/lowell-solicitors-launch-marks-new-era-for-the-group

Hi guys! I am not sure this is the correct place for me to post I hope you can help me with the following situation: Our factors' solicitors have unlawfully registered a Notice of Potential Liability against our property in regard to "the outstanding factoring charges" - not only we are up to date with all the payments, we have multiple bank statements to prove it. As owners and occupiers of the property, we never received any notification about the upcoming order and only found out the details after requesting a copy of the deed from the registers of Scotland. In addition to unlawfully imposing the NOPL, they disclosed this false information without our permission to the third party - our former solicitors with whom we have been in a process of dispute for the last year. Moreover, they also explicitly told our former solicitors that it is due to the factoring debts since our move (which there are none). We believe it is a serious breach of data protection act but are not sure how to proceed... Thanks in advance.

Oh dear things go from bad to worse I have just found an unopened letter from courts judgement for claimant in default this is date d the 4 th Dec and I haven't replied as just opened the letter this is for a diffrent debt I am in a lot of debt I won't bore you it's same old problem credit cards to pay mortgage and live due to no work and I am registered disabled now I'm afraid bailiffs will turn up can I still write to courts sorry I'm being a complete pain the claimant is capquest name and address for payment H L Leagal and collections SORRY

I have been selling items on ebay relating to BMW and MINI and recently received no end of papers form Palmer Biggs Legal stating that they demand I sign some forms, send them any items i have relating to BMW and Mini, Agree to pay them £1000 towards legals costs and a share of the profits. Of course I first panicked. I removed any items i had on ebay and sent them some of the items i had. I did not sign the forms. The sent another letter demanding i sign but i did not. I emailed them to say that they are being heavy handed and simply had to ask ebay to remove the items, which they did not. I said that I would pay them £250 and thats it. The sent another letter agreeing to this and that i needed to sign the agreement. Since then I have searched them and have found out abit more. I am reluctant to send them any money at all. Does anyone have any advice.

If a claim was dismissed, can the solicitors have a 2nd bite ? POC are identical ? Can you advise on CPR or any case law applicable. Old utilities bill circa 2010, value 1500.00 Final reading provided, final supposed bill paid. Came out of blue. Defended grounds back billing rules, produced final bill in court that was paid. Claimant wanted to not go before judge in meeting before hearing, I insisted we did. Judge dismissed case. Any help appreciated... C