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About Birmo0803

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  1. I'll be looking at getting a letter sent out today. I've had a look in/around the forum here, I'm not too sure which letter you mean or, which would be best appropriate? Any hints would be appreciated ;D
  2. Hi, below: 1 The date of infringement? 24.02.18 2 Have you yet appealed to the parking company yet? [Y/N?] I've not received anything to appeal, just Gladstone letter - So I have contacted online Es parking, I will be writing. It was a basic contact, disputing the claim stating I had cover paid via front-man and 24hrs. has there been a response? No response as of yet 15.4.19 If you haven't appealed yet - ,......... have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] what date is on it Did the NTK provide photographic evidence? I have only received the Gladstone letter. I assume Gladstone have photographs, as they state the company tried to contact me 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] (nothing received) 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? There's been no response as of yet 5 Who is the parking company? APCOA Winwick Street Car Park (pursued by ES Parking Enforcement) - I'm not sure if they've changed names 6. where exactly [Carpark name and town] did you park? APCOA Winwick Street Car Park, Winwick St, Warrington WA2 7TT - - - Updated - - - Hi, the letter head is 'Letter Before Claim' "We act on behalf of *** and have now been instructed to commence legal actions" blar blar
  3. Hey, chaps, quick one. I received (out of the blue) a letter from Gladstone claiming instruction of legal proceedings against an alleged parking charge. This is the first I've heard about this. They're demanding £160. 1) Luckily, their solicitor letter went to my parents, as I moved address (and updated this back in 2018). 2) Their letter is dated 25 Jan 2019, alleged charge was on 24.02.18 3) Looking at the date, and thinking back to that time, yes, I was 100% parked on their car park. However; - I recall what the event was (local Rugby match) - Parking was in fact paid in full at entry (on match days, they had a parking attendant in a high vis taking payment at entry and handing out 24 hr tickets) - they do also have machines, but this is something they have done for a very long time - Of which, I've paid the front-man and never had a problem. - I had 3 people in the vehicle who also saw full payment. I've contacted ES parking online 15.2.18 (disputing this charge and noting all above)... and as of yet, low and behold, no reply as of yet (I'm now going to send recorded delivery). Obviously, almost 12 months later I'm not going to have the ticket, so I feel I'm being royally stung. Do I have a leg to stand on?
  4. Thanks, I'll take a look. I guess so, yes, 2016. However, re-reading the thread, I do recall sending a Credit agreement request to Opos as I did receive something relating to Three (I'm 95% sure it was Opos who purchased the Three debt (it may have been purchased from another provider - however, that's all very much in the past and long history now ). For this MicroCredit, I don't recall ever sending a CCA. Baring in mind, I still haven't received anything in relation to my requests in 2016 (but my profile is clear of that now).
  5. Ah, I was thinking it had to be by post in all fairness. I actually moved address around 15 May, 2016. The email was dated 30/05/17 and it had my old address attached too. The default will be coming off in July 2019. As I've bee debt-free now for many years, I was looking at treating myself to a new car. Which would more than likely be a long-term loan, probably with my Current Account (which I can now afford comfortably and say with a smile) - This is obviously going to impede the application. Would the balance of £842 remain on my credit profile after the removal of the default as that still may impact my application (sounds silly looking to get a loan after hardship from previous loans, I know). Just has a read of StepChange, Irresponsible lending - making a complaint. However, the lender is no longer in business
  6. Ah, you see - I've been out of debt now for quite a while, I can't even remember which is which It is on my credit profile, yes. Showing as Kapama Limited (2013). I've not thought about irresponsible lending claims, I'll have a look into that now, thanks! I'll also have a look at setting up a block/bounce, as I don't think just an email is right or proper.
  7. Thanks - re-added removing REF. (The OPOS (linked to this is was a mobile contract - all cleared up now). My heads been all over the shop with this one - just lose track of where you've been or what I've done. I think, possibly, this one totally run away from me. I recall making payments to all other creditors and clearing the debts bar this (as I say, forgot it existed until the email) - So if there was a payment, it would have been near to the time the credit was taken, so we're looking at around 5 years
  8. Afternoon, all (just). To cut a long story short; found myself in debt a few years back (PayDay loans), set up a payment plan with all debts but missed one. Email in 2017 from Kapama stating a debt purchased (84 - I guess it was MicroCredit/Opos) £800+ (£445 'attempt charges'), original loan amount was £100. I was actually defaulted (according to my credit history on 21 June 2013) - that's how long ago it was. So, I started to chase this up a while back, went on holiday, forgot all about it until a few days ago, I logged onto my old email to find lovely email amongst a lot of spam (as it's my old email address) - we all have them, right? Part of the email reads; Now, I don't recall receiving any such letters about a sale of a debt, I don't even recall being chased for it - As mentioned, I started to pay (what I thought was all) debts. They have also stated that they have attached a copy of my CCA - Whereas, in fact, they have only attached a 'Statement of Account' (attached). I am now debt free, stably on my feet (big smiles) - or so I thought. What would you think the first and best steps to take are? All in writing of course. - Request a copy of the sale of debt they 'allegedly sent'? - CCA request? 100% don't mind paying the loan, interest or even default charges. But, I think they're trying something
  9. Hi guys! Been a while since I've posted on here. Thanks to all the help I got on here, I managed to dig myself out of a rather dark hole and I am (or as I thought) debt-free, ha! Long story short, I got into debt (few grand), set up a payment plan with all creditors and paid it off (young, silly and naive), seems I missed one off the list, D'oh (Minicredit or Microcredit) - Who I now find out have been shut down by the FCA? I actually only noticed last month (been researching quite a bit) I've never heard of 'Kapama', nor do I recall any literature from them in writing or even by email. After research, it does seem to indicate (as above) Minicredit or Microcredit (can't remember the name it was so long ago. Attached is a snip of said default, from 2013. I'm not sure the initial loan, I guess £122 was the full repayment, but it shows a balance of £842! - Criminal. After research, I have found a document from the FCA regarding https://www.fca.org.uk/publication/requirement-notices/microcredit-vreq.pdf but, I honestly can't make heads or tails of it. Do I fit in this category? I honestly don't mind paying off what I owe (but genuine funds) not an extortionate amount. Does anyone know the best way forward or the best way for me to start with this? I was thinking starting with a CCA request, to see what that comes up with - But as I say, I've only just found out about 'Kapama' - 'rolls eyes'.
  10. Thanks for the reply guys, It was with Opos DCA - from what I recall was an over due balance with a phone contract around 5-6 years ago, maybe longer. I had an on-going complaint with the provider (Three) - who admitted the phone was faulty - to which I said I wouldn't pay until it's resolved. Me not knowing much back then, I let it all escalate with over-due balances, which ended up affecting my credit file. I've not heard a peep from them or anyone in literal years, until I started receiving letters again.
  11. Hi guys, I've requested a copy of a CCA a while back (all recorded delivery). I sent the £1 postal order, and waited the 12+2 working days for a reply. I never received a reply (after it was tracked - delivered), so I then sent the reminder - 30 days to respond (recorded). That was also ignored and I had no reply, so then I sent the 'Account in Dispute - Section 10 Notice' letter, which ended "I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 30 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint." I have also not received a reply from this (all letter have been recorded delivered). I'm not sure as to the next steps to proceed? Has anyone been in this situation before? Thanks
  12. Hi guys, not posted here for a while - he - he. I'm currently in an ongoing dispute with Lowell / Lowell Solicitors and awaiting a copy of a CCA (after default, dang). However, I've just received the attached form. Does it look legit or do you believe it to be another one of their ploys? (sorry about the image, the scanner went ka-plunk). I've seen a few online and they look a little different, I might add the crest and stamp look a little 'faded'. Also, if it was real, would it appear on https://www.moneyclaim.gov.uk/? Thanks, Rob
  13. I am also in the process of writing a letter to Santander under BCOBS. At the moment I’m addressing 11 issues. Quick overlay:2004 Opened a current account, throughout getting heavily charged in 2008 I walked into the bank who advised 'let’s start fresh, Close this down and open a new account' - (to which I now know was for commission/targets) No letters received until 6/7 months later "DEFAULT NOTICE" there was £346 accrued in charges and going from that, they DEFAULTED me. Took to the moon and back to resolve, they removed the charges... But not the default!4 years later, slightly strapped for cash and I go over 6p and get charged £50 to which leads to an on-going cycle of their charges taking me overdrawn every month for over a year (I could not stop as my budget was exactly my wages) My card was then stolen. Was advised over the phone to go into the branch. The BANK MANAGER then ordered me a replacement 'CASH CARD?"!" so now, so any payments I had to make online/phone - I couldn’t do. So I March back into the branch "no apologies" and another card is ordered. Following week, Another CASH CARD is delivered!!! I then go back (5th visit as 2 times I needed Cash / 3rd time about card) and again no apology and they order a new Visa Electron? (was debit) but to their surprise a Visa debit was ordered 4 days previously (even though I never called/visited the branch). So the recently ordered card would now replace the one currently in the post!! (Confusing I know)!And this is only 20% of the trouble with Santander, If my credit rating wasn’t so poor (thanks to them) I would jump ship... but no other banks will even take me on #RANTOVER
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