You may beable to apply for a set aside still with a compelling reason like that 

But lets see what other advice people have before proceeding. 

Likely throw them away, Wastage is rife in the industry and M&S wont be able to resell what you took. 

Or negotiate a removal of the entry from his CF - Maybe quicker. 

Ombudsman

Most generic name ever! Dont know how you would manage to drum up business...  

@AndyOrch - Can you spare some time for @autumn53?

No pressure honestly!

We need to know to be able to help  

Dont worry this is anonymous. - Ive scrubbed the ref number you put in you SMS earlier so no one can see it  

Probably plenty of people who have been getting hit from Parking Firms at hospital. 

Parkingeye: More complaints over parking fines at Harrogate hospital - The Stray Ferret

THESTRAYFERRET.CO.UK

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More people have complained of unfair parking fines at Harrogate hospital under its new car park arrangement.

(Just a point that you will likely be anonymous still )

So its a private parking firm?

Equita will be possibly be working in a DCA approach here... 

Sorry - I started putting together the post - got a phone call and then submitted it. 

Well then the OP should stop stressing

@fedup1724

- We need to understand what is where. 

So - Are you 100% sure this has not been to court yet for any form of enforcement action? 

They need to get a CCJ and 28 days to pass before they can consider it  

If they are acting as a Debt Collection Agency in its current form before going to court then - They will say anything to get you to pay. 

What boundaries are we working to here fedup? 

Wait wait wait...

1st off - Calm down... Please? I appreciate that it stressful but you need to be composed to understand your next steps 

2nd - I have spaced your post out so people can read it  

3rd - Questions

Have you had a CCJ for this issued against you? If so when was it done? 

Please do paste up a copy of the PCN that you were sent. 

Are they acting as a DCA or have they gone for a CCJ? 

That would be interesting to know! 

Which Company?

Must say - I do like the WS you have done - And I hope you win / Get a claim struck out or they discontinue! 

If its standard DCA tactics between say Lowell and Link or Cabot and PRAC Financial (Just throwing names out there) 

Might be "De Minimis" or essentially not really a point worth considering. But bring it up anyway

You can get around that by doing 3 seperate claims against each for 5k

Might be 3 sets of fees though. 

Still would advise that you speak to a Solicitor through your insurance on how to proceed. 

Moneyclaim is going to court  

Its how you do a claim  

Do you believe that you will be able to cover the full amount from the 3 people youd want to claim against? 

If you have legal cover and insurance, you can try going ahead with your Insurer. They may be able to refer you to their "Legal Partner" but do your research. 

If you know where 3 of them live, you can attempt to take them to court, but in todays climate, going legal will not get you the result of £15k that you are after. 

Others may have their own input - But in reality you are asking for £5k from each of them - Might find it hard to recover that in a timely manner. 

Like I said earlier - Your option maybe to take the hit now and factor it in to future tenancies. 

So technically you could push it via the courts with the clause in the AST (I remember seeing something about this recently) 

However if one has left the country - It might make it hard to recover it all from the others. 

How would you look to bring action against all parties involved? Do you know where all of them currently are? 

You can service to last known address but as you know they have moved on - It could be held against you by a judge if it goes all the way. 

I think you need to consult a solicitor on this one - Its a complex claim against multiple people rather than a simple Creditor vs Debtor claim we see here. 

It is - You can get them online - If you read my guide that I wrote for CAG then youd know where to get them

But Still...  

ClearScore | Your credit score & report. For free. Forever.

WWW.CLEARSCORE.COM

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Get your free credit score and credit report and be ClearScore sure. Check them as often as you like - it won’t affect your score.

Once you get them all - Come back here - We can then discuss further about who you need to contact and what you need to write.

I think the issue here is more taking it higher. 

A credit reference agency has mixed up your details with another member of your family - Would you have guessed that I have had to deal with this for a couple of people in my family before? 

They both ended with a payout of £250 each as a result of this. (Transunion) was the culprit 

I can help you put together a complaint along with relevant forms if you like. But you need to get all 3 of your Credit Files and find out how deep it goes with the mixup. 

Its unlikely that recovering the money would be possible from students. Sometimes in the game of property Management, its worth just letting go - You maybe likely to recover this long term. 

Also with the tenancies, did you have an additional term added into the tenancy to make them liable for all costs?

Do you have a copy of the tenancy agreement minus personal details we can see? 

I hate these conversations - Because you will never find an answer.

You will never ever always get approved for a financial product because it depends on the lenders criteria for lending. Also whether they are actually lending. Sometimes companies wont lend for a while. 

I remember my brother ordering from Currys during the pandemic and he got a decline. He was furious - Turned out that Creation had really tightened their belts up (Existing customers too!) 

Honestly? Use a good comparison site - Itll give you some good options while only soft searching. Also the drop to your Credit Score (Which is worthless I might add)  will be because of these 2 hard searches. Stop doing Credit applications for a little while. 

oh... You need to read this.... 

@dx100uk / @lolerz 

I think we need to take a different approach with this one - A formal complaint to all parties involved - The "debtor" - In reality a victim of these sharks could stand for a payout and refer to FOS. 

Also I can see some failings to identify the OP as vulnerable. 

Absolutly. Was it issued against an old address? 

Also check 

Unlocked - Please go ahead.