A very odd one I have the bailiff's CDER contacting me about £1200 they say I owe them for parking tickets. When I asked them to send me the evidence. They sent me a document that showed they were chasing 5 different parking tickets from 2012 - 2022. 4 of them are closed but they claim I still owe them for the closed ones but they only claim their fees* not the original "debt." The final thing is I have had no dealing with CDER. I did deal with a bailiff back in 2012 but that was JBW not CDER. I am wondering how best to deal with them is there a simple way to point out that the document they have sent me shows most of what they claim has already been closed by them? *I say this as they asked for the same amount as the total for the fees. but sent me this confusing document showing much more supposedly owed. CSL Statement (3) (1)03.11.2021.pdf

I have done so now I will see what they say.

Unfortunately I do not know who they were or how I might find out. the only details of the debt I have find just mention debt managers.

I have car that a mechanic friend had abandoned on his property. He went through the process of claiming and registering and performed a HPI check and it was clear. he repaired it and sold it to me I did another HPI at the time. Again clear, it's now time to sell the car and it suddenly has had an HPI registered against it but not in my name. The company that registered the debt is Debt Managers (services) LTD. They have confirmed it's not in my name and they have never contacted me chasing any sort of payment. How on earth do i get someone elses debt removed from my car? I

Could be some good news around corner about these http://www.bbc.co.uk/news/business-29816823 They may be forced to put disclaimers such as "We sell your application details on the best terms for us, rather than you." So here's hopping that will happen.

It has been over 20 days since they sent that so i suppose that would be long enough to show they have no intention. With regards to previous adress thing i only have one other adress that i lived at for a few months with a friend but im back at the same adress i lived at before then and have been here for over 6 years. With regards to a complaint to OFT do i simply need to forward the e-mail them?

well i will give them till the end off the month to make good on this threat then a nice complaint to the OFT is in order.

Just had this from MMF with the same subject as the title of this thread. Mr Goatan,your file has been approved for legal proceedings at your last known address. MMF rely on this SMS re legal costs. 01138876876 Ref: blah blah Fully intend to ignore but i though others should be aware also this game to my e-mail adress not sms and was placed imediatly into the junk folder. BTW would this count as threataning legal action if they never follow through?

A while ago i defaulted on an MBNA credit card. Later on noticed that all pof the debit woudl have been due to PPI which i successfully claimed back. However the default is on my credit file is still on my credit files and the Credit agencies wont remove it without MBNA say so. I believe i need to simply contact the department responsible for ICO compliance but i don't know which department that is.

I have had similer problem with JBW and massivley overinflated fees and charging two different fees on one day. Seems to be a thing for them. They also made it very difficult to find who the actual bailiff was as letters where unisnged or a barely legible squiggle. They also clamped a car that didn't belong to me, JBW seem to be makeing a habit of this. Do you by any chance live along the m4 corridor. I ask as im just wondering if it is the same bailiff that dealt wiht me as its the same MO and i have been considering putting a form 4 complaint about them.

Thanks for the advice TT. I do not belive this man is actually a bailiff also there is no form 7 i wont be able to contact TEC until Tomorrow afternoon anoyingly. If you could point me to a guide about how to fill in an N244 I can get that done also how do i seek a review or is the N244 the process of seeking a review..

im not 1005 sure wouldn;t that still be criminal damage?

After having a run in with JBW a while back and i submitted an out of time application I thought all was fine until now someone for JBW has just put a clamp on the car I use, but don't own JBW have been told that I don't own this car so it is quite clear that they are doing this to harass. Aparently my appeal was turned down but this is the first i have heard of it. Were do we go from here as the car cant be towed as it is not mine. This has been done by a Mr steptow/e who is not a registered Bailiff at least not for JBW.

I couldn't find my old thread so have started a new one but to be honest there wasn't much on it. Just received a lovely letter from MBNA denying everything that I have put into my letter (no surprise there) but they have upheld my complaint and are sending me a cheque. A quick blow by blow account I did the normal thing and sent a sar then i made a claim based on that SAR based on the fact i had been mis-sold due to being unemployed. They sent a letter back denying that i had been mis-sold due to it being an unadvised sale and that they given me all the required information on a separate screen. I then sent an e-mail to the CEO of the European card division informing him that this was my final letter before i sent them a letter before action and made a complaint to FOS and FSA. My points in the letter where that he PPI was mis-sold as the PPI box was pre ticked That there was no information that the purchase of PPI involved buying insurance. Nor at any time was there information that the policy could be cancelled That in the letter sent by their staff claimed that this information was on a separate screen i pointed out that this was irresponsible as such popups are often blocked as they are a popular method for getting viruses onto machines. The information should have been next to tick box otherwise a responsible computer user may block this necessary information. I also pointed out that they did not supply the T&C's of the PPI when i did a SAR and as such they have either broke ICO guidelines or the conditions did not exist and as such MBNA did not provide the written documents as required by the FSA. The letter they sent back denies everything but upholds my complaint. I hope this provides a glimer of hope for others who have a virgin/MBNA card who applied online and were mis-sold PPI. Now one the cheque has arrived time to reclaim unfair charges i think they will fight harder on that one. A big thank you to CAG this site and its community is a goldmine of information.

many moons ago I had a problem with NatWest and a payday loan they had paid despite me cancelling the debit card. after an initial complaint they reversed the payment but a few weeks later they re did the payment or should I say payments as they were taken in 7 chunks of £100. Anyway I went through their complaints procedure with no joy then the FOS who just rubber stamped their decision and thought that was that as i could not pay anything back at the time the account had massive charges and went into default. Just a few days ago i saw this BBC article http://www.bbc.co.uk/news/uk-19598492 -which should probably grace the CAG front page as i bet it would be useful to a few cagers- which explicitly states that the banks cannot just make a payment to a payday loan company or anyone else against my will and how the banks are unsurprisingly still ignoring the law on this. Anyway as I now realise that the bank was wrong and the FOS was wrong i was wondering how i go about taking them to court. Would it be simply a case of taking them to small claims to get the money and charges refunded so that the default would be taken off?