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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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Mmf and kapama limited


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Hi wondering if any one can help or advise

 

New to the forum

 

Hi yesterday we randomly recieved a letter from mmf debt purchase and recovery

 

Total balance £628

 

No idea what this is and nothing to that ammount on my credit file that i can see

 

Buried my head a few year ago .. now trying to get back on track ...

 

 

Any advice would be great .. think was a payday loan but unsure . Nothing is mentioned in the letter

 

 

Also the day before

 

 

Checked on clear score as i do regular and things were improving .. trying to get my score up after years of burying my head .. pay day loans etc ..

 

Today i see a new one

 

Listed as

Kapama limited (I)

 

Current balance £936

 

Opening balance £189

 

ACCOUNT OPENED

14th March 2014

 

Had no corrspondence

Although i have moved over 2 year now

 

Ok do i contact them ?

Which would mean giving current address ?

Leave alone ?

 

Reading so much regarding these people and how they trade and cant supply the correct info when requested .

 

Also how can £189 b3come £936

 

If any one can advise would be great

 

 

Also i had a previous dept with british gas in 2014... paid now in full towards end of last year but still showing even though it says balance zero ? Should this be marked as a positive

 

 

 

 

 

Thanks

In advance

 

Dave

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Sorry should also have added .. i checked via clear score .. i dont have a debit or credit card so dont think i can get a score from any one else .

 

3 / 4 year ago in a bit of a mess .

Breaking down relationship . Work was getting minimal . Sufferd with depression etc .. all lead to a full break down ... lost everything back then ..now have a new life and happily married . In a different part of england and now just trying to get everything in order .

 

Im self employed . My wife is a full time carer for her oldest son with aspegers .. she has two more and kids and the yougest is 12.

 

Any advice realy apreciated

 

Thanks

 

Dave

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send MMF and Kampla a CCA request

that way they have your correct address and cant get a backdoor CCJ.

you should ALWAYS inform creditors of a change of address or backdoor CCJ's can appear to bit you

 

 

as for British gas

even if you paid it off

a default is a default and its there for 6yrs regardless to any payment.

 

 

if you had numerous payday loan and already had money issues

then id be investigating a few irresponsible lending complaints to the ORIGINAL LENDERS.

 

 

might even get them wiped

 

 

hiding is NO ANSWER.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if they do not know your correct address I would send a CCA request

that kills two birds.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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