Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi Received a Notice To Owner (NTO) letter from SIP Car Parks Ltd, Manchester for non payment of £117 from Early Jan 09, ( i ignored the pcn they placed on my car at the time, i parked in car park for 15 mins before it would have been free)
They have obtained my details from DVLA and say payment due within 28 days otherwise they will refer me to a debt collection agency which will incur further admin charges of £15 per letter sent.
What should my reply be to them or shall i ignore?
Completely ignore them. Expect a couple of debt collection letters before they give up and go away.
The owner is not responsible for anything, least of all a bit of junkmail called a 'Reminder to Owner'. See how it's a [problem] - they daren't use the term 'Notice to Owner', but like to infer that it has some relation to an official council penalty.
What you do next is nothing.
This is an uneforcable invoice, which has no standing in law.
Do not contact them do not pay them, and you do not give any information what so ever.
No point. Their eyes might well light up if you contact them and you'll be put in the hooked fish pile.
These companies hate it when you ignore them. Imagine how powerless you'd feel if you were trying to get money out of somebody and they never answered your letters.
I'm a bit confused by some of the advice on this site, Bernie the Bolts Template letters say never ignore a letter if they contact you and to write them a few letters finally ending with Desist letter.
But some of you just say to totally ignore the letters from the PCP and any Baliff/DCA letters that arrive- surely they will continue to hound me with letters for the money.
I'm a bit confused by some of the advice on this site, Bernie the Bolts Template letters say never ignore a letter if they contact you and to write them a few letters finally ending with Desist letter.
But some of you just say to totally ignore the letters from the PCP and any Baliff/DCA letters that arrive- surely they will continue to hound me with letters for the money.
Thanks
My own view is that you should write just one letter denying you owe them anything. The reason is that when you get a letter from a debt collector, you should respond by saying the debt is in dispute, and should be returned to the originator - the PPC. If you have never communicated with them, you can hardly claim you are disputing the debt, since you have not told the PPC.
What you have to do is cover the unlikely event that it goes to court. The first thing a judge will look at is the steps you have taken to resolve the dispute. It does you no favours if you have never ever corresponded with these people.
Others hold a different view; but there is no hard evidence which is the best route to take since PPC's very rarely go to court.
I'm a bit confused by some of the advice on this site, Bernie the Bolts Template letters say never ignore a letter if they contact you and to write them a few letters finally ending with Desist letter.
But some of you just say to totally ignore the letters from the PCP and any Baliff/DCA letters that arrive- surely they will continue to hound me with letters for the money.
Thanks
Bernie's templates were written some time ago,a nd although they are still valid and useable, the most common recommendation more recently is to ignore everything the PPC sends you.
Whichever path you take is up to you (as long as it isn't the "choosing to pay the [problem]mers" path) and you can always come back to the forums for further support.
Choice is yours, you can either write or not write - end of the day what you must never do is pay. It would be sensible to write and deny the claim if you were satisfied that there was a reasonable chance of it going to court; however, the chances of court action are 0.01% so why waste your ink cartridge. Why write a letter that will have no effect other than to intensify the PPC's harassment of you? I ignored mine and it never did me any harm.
TFT
09/07/09 Business Studies BA(Hons) 2:1
eCar Insurance overpayment - £325
Settled in full - 15/09/08 NatWest Student A/C bank charges - £260
Settled under hardship scheme - 08/06/09 Natwest Business A/C bank charges - £60
Settled in full as GOGW - 20/04/09 Santander Consumer Finance late payment fees - £60
Part settled for £48 - 01/03/08 Peugeot Finance late payment fees - £50
Settled in full before county court hearing - 01/09/09 Peugeot Finance overpayment of £247
Settled in full - 01/12/08 Valley Leisure - complaint about collections agent
£160 part refund of gym membership in compensation - 01/02/09 HFC Bank - complaint about payment deducted from my account on wrong date
GOGW £10 - 01/05/09
Thanks Guys, seems the best way is just to ignore them totally and never respond to their unlawful requests for £117 - they are totally fraudulent companies that should never be allowed to trade and exsist.
Thanks Guys, seems the best way is just to ignore them totally and never respond to their unlawful requests for £117 - they are totally fraudulent companies that should never be allowed to trade and exsist.
Cheers
Jack
If you fancy paying I can send you an unenforceable invoice for £1,000 if you are wavering
regards
Please remember our troops, fighting and dying in our name. God protect them.
Thanks Guys, seems the best way is just to ignore them totally and never respond to their unlawful requests for £117 - they are totally fraudulent companies that should never be allowed to trade and exsist.
Cheers
Jack
You've hit the nail on the head my friend, now spread the news to everyone you know.
TFT
09/07/09 Business Studies BA(Hons) 2:1
eCar Insurance overpayment - £325
Settled in full - 15/09/08 NatWest Student A/C bank charges - £260
Settled under hardship scheme - 08/06/09 Natwest Business A/C bank charges - £60
Settled in full as GOGW - 20/04/09 Santander Consumer Finance late payment fees - £60
Part settled for £48 - 01/03/08 Peugeot Finance late payment fees - £50
Settled in full before county court hearing - 01/09/09 Peugeot Finance overpayment of £247
Settled in full - 01/12/08 Valley Leisure - complaint about collections agent
£160 part refund of gym membership in compensation - 01/02/09 HFC Bank - complaint about payment deducted from my account on wrong date
GOGW £10 - 01/05/09
dont worry i will recommend that any of my friends/associates who are caught up in a similar fraudulent [problem] just never for 1 moment consider paying their crazy penaltys, they could never justify their fees of £120 for staying an extra 15 mins in an empty car park that charges £1 per hour, how dissproportiante is that, thay could never consider going to court , cos they they know they don't have a thread to stand on, lets hit back at these fraudulent companies, how can we hit them where it hurts? any ideas?