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    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
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Help with response to letters for BPO & BW Legal


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Hi all,

 

After more great advice on top of what I have already received from here.

 

First issue:

I sent a bog standard prove it letter to BPO Collections this month (using template from either here or National debt line).

Apparently they now own a debt from Motormile Finance/Lantern.

 

 

I think I took a payday loan out in 2011/12 with CFO,

who went bust,

debts purchased by Motormile,

who changed names to Lantern,

who have assigned this to BPO.

 

 

It becomes very confusing to keep track of name changes and who owns who.

 

The letter I received back states (amongst the usual twaddle):

 

"BPO collections and Latern do not acknowledge the unilateral terms and conditions and time frames that you have outlined in your correspondence. Nor do we agree to any such conditions or fee schedules received from you in the future"

" Your correspondence appears to be based on forum templates widely available on the internet.

Should you have any concerns about your account then please advise us of these and we would be happy to look into these.

Please be advised that failure to address the outstanding balance could affect your credit file."

"Within your correspondence you have required that we provide you with a variety of information and documents including the names of individuals within the organisation and then names of agencies working on Lantern behalf in terms of your account. There is no requirement for Lantern to provide the documents you ave requested. Nor are the reasons for you requesting this information clear."

"We are unable to supply you with a copy of the deed of assignment as this account was purchased as a part of a bulk of accounts and there fore assignment will hold personal data in relation to our other customers. However, you were sent an email of assignment on 17th May 2018 notifying you that BPO Collections would contact you regarding the outstanding balance on your account."

 

 

What should be my next step?

 

 

they are refusing the prove anything if I'm reading that right.

 

 

I've checked my credit file (3 different agencies) and if there was anything on there from CFO/Motormile/Lantern/BPO it isn't on there anymore.

I don't ever recall paying anything to any of these companies or speaking to them.

 

Second issue:

I sent a Statue Barred letter to BW Legal in regards to a PRAC/PayDayLoans debt.

Again it was from a template from either here or the National Debt Line.

 

 

They have replied back with the following:

"Our client has advised the loan was taken out on February 10th 2012 and the default date was April 10th 2012.

We trust this now concludes any outstanding queries you had raised with ourselves. It is important that you now contact us in order for us to discuss an affordable payment arrangement.

Failure to contact us within 14 days may lead to the following:

Further collections activity or

Further legal action."

 

 

Followed by the usual how to pay stuff.

 

Firstly, they have the dates wrong as my credit file states that it was started on 10/01/2012 and the default registered 1/7/2012.

Secondly they already sent a letter of claim for court action in November last year but never followed it up (I foolishly didn't reply at the time due to ignorance on my behalf).

 

I haven't paid a bean or acknowledged debt.

 

So this is statue barred right?

How should I respond or should I even bother?

I'd like to put something to them that draws the matter to a close,

but I thought the SB letter was meant to do that?

 

Thanking you in advance.

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looks like you sent stupid freeman of the land twaddle letters

 

simply send OUR sb letter [in the debt collection section of out library]

and then ignore them

 

dx

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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