Firstly thank you in advance for any help I may get from you guys!! Yesterday I received a county court claim form from Gladstones Solicitors Limited on behalf of ES Parking Enforcement Limited and genuinely this is the first I have heard of this matter. It states they are claiming: Amount Claimed: £166.18 Court Fee: £25 Legal Representatives Costs: £50.00 Total Amount: £241.18 I don't know where this has arisen from and cant recall parking where they said I had "breached their terms of parking". The actual wording is: "The Driver of the Vehicle Registration XXX XXXX (the vehicle) Incurred the parking charge(s) on 09/05/2018 for breaching the terms of parking on the land at Seymour Grove Retail Park Manchester. The Defendant was driving the vehicle and/or is the keeper of the vehicle. AND THE CLAIMANT CLAIMS £160 for parking charge(s) / Damages and Indemnity Costs if applicable, together with interest of £6.18 pursuant to s69 of the County Courts Act 1984 at 8% pa, continuing to judgement at £0.04 per day." Firstly I am not the registered owner or keeper of this vehicle as the vehicle was my wife's company car and what evidence do they have that I was the driver. I am very stressed out about this as £241.18 is a lot of money to be burdened with just before Christmas and any help would be appreciated as to how I should deal with this. Feels like these cowboys can almost make charges up as they deem fit and then bully people into paying them what can only be deemed a lucrative sum. The claim form is dated the 10th December 2018 and was received on 14th December 2018.

Payplan probably wont have an internal PPI company as they couldn't be seen to be doing this as it would be a conflict of interest although Payplan do make a lot of money from selling ancillary products into customers. For instance they have a Payment Protection product that they sell to protect the payment of your debt management plan which to me seems a little extraordinary and does not benefit the consumer as a DM Plan is an informal arrangement and can be increased and reduced at any time. I would suggest that you make it clear to Payplan that they are not to pass your details on and ask for evidence that you have opted in to having your personal data distributed. If they have passed it on and you have not authorised this then you can then take your complaint to the ICO (Information Commissioners Office). Make sure you follow the correct complaints procedure.

Money Village was a re-brand of the old Spectrum Finance after they appeared on Watchdog a number of years ago they have been running two different entities for a number of years now. I think the letter that you have now received is a result of the recent FCA takeover of the consumer credit industry, maybe trying to tidy up their shop either that or they are looking at selling you on to another dm company as an asset which is readily happening in the Debt Management industry at the moment. If you were on an IVA it should have only lasted for 5 years but you can search the Insolvency Register to see if you are on there. My advice would be to contact your creditors to see exactly where you stand with each of them. If you still have debt's consider using the free sector.

This company seems to go on the all out attack against it's competitors which is generally a bad sign as those companies that need to attack the competition are usually not as good as what they say they are. The business model seems to be too good to be true and the claims they make are absurd, debt just doesn't get written off it is a debt and it must be re-paid, even on an IVA reduction is dependant on affordability and is a good compromise as opposed to going Bankrupt. If it sounds to good to be true it usually is, a company that operated a similar business model to these guys First Step Finance has just gone Bankrupt owing a fortune to customers type their name into Google and see the press releases. Speak to Step Change who are a free to consumer charity and should be able to help resolve you debt issues. Good Luck!!