Have you been paying them anything since their threatening letters in August 2019? Rgds. radmm0

Thanks Andy

Have you heard back from your creditors, DCA or the 'solicitors' about your CCA request? Rgds. radmm0

Hi Scrudge But, you stated that they had accepted your offer of £2000 as full & final settlement for the outstanding loan amount, in your 2012 posts. So, did you not pay them then? General question for CAG admin guys; are 'DrydensFairfax Solicitors' actual solicitors? Why do some DCAs resort to using them if not?! Thanks. Rgds. radmm0

@London1971 You're absolutely right. I was advised by the local CAB office all those years ago for our house repossession & personal debt issues. We were definitely given the wrong advice about the direction to take with the house and had to sell it in the end due to their 'wrong' advice and now realise that we were also given the wrong advice about how to deal with my debt. Shocking. Does one stop paying all of them? Wouldn't they have a legal right to take me to court to get 'their' money? I so believe that our Consumer Credit Laws & Private Rental Market are in need of a major shakeup. The sooner the better! Thanks again for your help. Rgds. radmm0 @dx100uk Will be doing that when I get all the paperwork back from our relatives. Does one send the CCA letter & SAR to: a. the current DCA b. original Creditor c. both a & b, or d. ALL the DCAs involved with each debt & each original Creditor? Thanks dx100uk.

I guess I have. CCA'ed in 2012 Judging by the comments, I need to re-start things & check the CCAs they sent me. We've moved a number of times since losing our home & unfortunately a lot of the earlier paperwork has been stored in relative's lofts & garages. So, will have get them all back & take a fresh look. Thanks again DX100uk & London1971 for your guidance.

Thanks as usual guys. CCA'ed them in the early days & they all have an original copy, unfortunately! How & when does a debt become 'statute barred'? Would any of my debts qualify as such, as all are more than 9 years old (since I defaulted)? Thanks. radmm0

Hi guys I have a number of large loan & credit card debts that I've been paying off by the absolute minimum amount since 2011. We lost our business & home and have been renting since. None of the debts are with the original creditors now, but they have been doing the usual 'pass-the-parcel' merry-go-round for the past 8 years and have settled with the likes of CapQuest, Intrum, Cabot, CDCS, PRA Group, NCO Resolve & Moorcroft! They also very regularly send 'offers' of settlement with up to 70% discount! Over the years some have been sending irregular 'statements' and most nothing at all. Every so often some contact me to discuss the repayment 'plan'. A couple, including NCO Resolve, keep asking for an updated Income & Expenditure sheet and even a list of ALL my creditors + what I owe & pay each of them. I always reply with the same letter or email (never phone calls) explaining my situation and the fact that I pay ALL my creditors the same monthly amount. However, I never send them an I&E sheet or list of creditors. So, my main question is; Is it ok not to send the requested details, as I was once advised that only a court can ask for them? Thanks & regards. radmm0

Hi everyone A quick update. I've received two 'threatening' letters since October 2019, the latest one dated 2/1/20 (received 8/1/20) threatens that if the 'debt' isn't paid within 14 days of the date of their letter, their client 'may consider' starting County Court proceedings! Shall I continue to ignore or start communicating with them? Thanks. radmm0

Hi all Here are the T&Cs and I've also added another example of a car 'improperly' parked in the unequal bays. Rgds. Andy NCP Car Park N12 - another example.pdf NCP N12 Car Park - Terms and Conditions.pdf

Sure, will do. Thanks again for your help. Rgds. Andy

Thanks a lot everyone again. Hopefully I won't be back for this topic anytime soon, but will definitely return for something else that needs your informed knowledge! Rgds. Andy

Hi dx Thanks again for helping me out with this. So, does that mean one can ignore them from now on? Tnx. Andy

Hi all I've taken some more photos of the car park, its signage and the ticket machines. Please also note that the additional photo taken this morning of the two unequal adjacent bays is to show the very reason I had parked over the line on the right, as nobody ever parks in the narrow bay and we all have to leave enough room for drivers to be able to get in and out of their car! I'll take a better shot of the Rules on my way home tonight and will post it later this evening together with the paid ticket for parking at the site, the NtK & original PCN. Thanks again for all your help. Does this link indicate whether or not Woodside Park station is under the TFL Byelaws or not, as I'm a bit confused?! https://tfl.gov.uk/corporate/transparency/freedom-of-information/foi-request-detail?referenceId=FOI-2209-1819 Rgds. Andy NCP Car Park Details.pdf

Here are the two photos I mentioned in my OP attached as a PDF. Rgds. NCP N12 Car Park.pdf