consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Parking / Traffic Offences

Parking / Traffic Offences A forum to discuss the legalities or unlawfulness of parking/speeding tickets or congestions charges etc.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 20th November 2007, 13:22   #1 (permalink)
lizzie51
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2007
Posts: 3
lizzie51 Novitiate
Default debt-collection agency demand

Hi. Wonder if you can help. My friend (and driver) has just received a demand for £345 from a debt-collection agency (Credit Resource Solutions). All it says is
"Debt Outstanding £345.
Your account BPM....(with her car registration number at the end.)
"We are instructed by BPM Ground Services Ltd in connection with your outstanding debt of £345.00. This debt relates to a parking ticket issued as follows: (her car details) Please call with your credit card details...If you fail to contact us to make arrangements to clear this debt, further action may be taken against you"
This is the first she was aware of any debt - no parking ticket having been issued ever. She has no account with BPM. On telephoning the agency she learned that two incidents occurred in a car park at Brent Cross South Shopping Centre (a private car park)about 12 and 11 months ago because she overstayed the apparent 3 hours limit. No details of another two occasions could be given unless she pays £25 for each incident.
The car park was taken over in the summer and now has clear signs, which I noticed immediately when I visited in July. Therefore on that occasion we only stayed within the limited time, which we would have done in December when we first apparently ignored the limit if we'd known.
I feel somewhat responsible, as I was a passenger both times. I am disabled and so usually get a friend to take me shopping. I'm always careful to put my blue badge on the windscreen and to check the parking rules in a car park, if I can get to them. I am sure that the signs were not easily apparent when these debts were incurred. On one occasion there were three of us in the car and none of us saw them. Possibly, because we used a disabled parking bay, which has a different sign about not parking without a valid blue badge, the signage was poor for those bays.
Unfortunately we cannot prove the signage was poor as since the car park has been taken over, signs are now prominent.
However, it seems to me wrong that a debt-collection agency can threaten my friend with 'further action', putting her in fear of court and possible inclusion on a debt register.
I have advised her that I don't think a court would think the debt agency had behaved reasonably, or that a 11-month interval between the breach of contract and demand for money (therefore enabling 3 more visits in ignorance of the terms of the car park) is reasonable, but she is frightened of legal action.
As I feel somewhat responsible, what do you advise?
lizzie51 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th November 2007, 13:38   #2 (permalink)
battyboomboom
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2007
Posts: 94
battyboomboom Novitiate
Default Re: debt-collection agency demand

I advise you tell them you've never had anything from BPM and tell the DCA to refer it back to BPM.

Don't worry about the debt register or whatever, you can't go on there (if it exists?) unless:
They take you to court
You somehow fail to win (which won't happen because if you get taken to court you will come on here again, and also go to pepipoo.com and let us know, whereupon you will be bestowed with legal advice for everything you need to do)
You then do not pay the money as instructed by the court, only then can a CCJ be issued.

Don't worry! Remember, it would be up to THEM to prove their signs were correct when you parked, and even then, £345 IN NO WAY WHATSOEVER represents their losses for you having overstayed!!!

battyboomboom is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Re: Debt Collection Services - a debt collection agency InKogneeToh Debt Collection Industry 27 31st March 2008 19:34
Debt collection agency went back on agreed timespan to clear debt mimi1979 Debt Collection Industry 5 16th August 2007 13:17
Debt Collection agency - help please!!! lisajh29 Debt Collection Industry 25 25th June 2007 17:48
CCA to third debt collection agency? SilkySmooth General Debt Issues 12 13th April 2007 06:10
Debt consisting of entirely charges sold to debt collection agency...how to proceed Milly Royal Bank of Scotland 6 29th May 2006 17:28




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.