Husband and I have finally saved deposit to buy our house and seen a house we like so I checked my credit reports before we give the mortgage broker the thumbs up! I knew something would come and bite me on the bum! I had an overdraft with lloyds which I have not accessed since 2013. They have sold to Arrow Global who have put a big fat default on my account. It shows on my transunion credit report as pasted below. Defaulting in April 2020. I did not change my old address with them. I am unsure how to approach this as cannot be sure it is statute barred as it is an overdraft (even though I have not touched it, acknowledged it since 2013). The default date shown is Nov 2015 but not reflected in the way Arrow Global are sticking the defaults on. Should I send a 'statute barred' or 'prove it' letter? Should I dispute with the credit reference agency? I am unsure! I would like the default off the account the quickest way possible to have a clean credit report! OVERVIEW Account type Current Account Status Default Account number Last updated 2020 Start date 2008 PAYMENT INFORMATION Opening balance £1,199 Repayment frequency Monthly Date of default Nov 2015 Promotional rate No PAYMENT HISTORY J F M A M J J A S O N D 2020 D D D D D D D D D OK Missed payment -- No data D Defaulted BALANCE OVER TIME Your balance has not changed since Jan '20. APR '20 | £1199MAY '20 | £1199JUN '20 | £1199JUL '20 | £1199AUG '20 | £1199SEP '20 | £1199OCT '20 | £1199NOV '20 | £1199DEC '20 | £1199£1299£0JAN '20JAN '21

i will escalate if i have to, but in my SAR i have written 'Finally, I would appreciate it if you could confirm receipt of my request as soon as possible. If you need further clarification regarding the contents of this letter, I am happy to discuss it further by email' i wouldn't like them to make the excuse that i didn't reply to their email

what should my response be? to remind them that i requested all data held under my name?

I emailed a SAR to es parking. In reply they have asked for a pcn number. Not sure how to respond as they sent a number of pcn's. I've specifically asked for all information they hold under my name.

Yes I called Northampton. They asked me to contact my local county court and the county court emailed me the Judgement but could not email the claim form. It's the same CCJ. I wonder why ES Parking are chasing me for a payment i've already made? Thank you all for the responses.

so far I found that the payment was made to ES Parking and it was definitely processed. I called the county court and they have said the claimant did not send any confirmation of payment so the judgement is not satisfied. I also realised I did not send payment within one month as I received the letter after the deadline to pay. The date was marked on the envelope and I did not keep it unfortunately. I then followed the instruction and sent a cheque to the company listed in the Address to Pay box on the Judgement but they sent the cheque back and said to pay the parking company, I then had to find the correct address for the parking company. The payment was taken out of the account and I wrote the case number on the back of the cheque. Is there any information or advice on here on how to send a SAR?

I found the payment from my account (wohoo!) but all I have for it is a transaction number. It was a cheque.

i intend to ask for the claimform and recheck all our statements as we have been looking at the wrong dates. should i reply to zzps?

I have just been reading through this thread. The amounts are the same but I no longer have any paperwork related to it as it was paid two years ago! I am checking to see if I can find the payment amount made from one of our accounts but both my husband and I remember paying this.

Hi all, I was sent the attached letter from ZZPS last week. A couple of years ago ES parking claimed against me for three separate parking charges. One claim was struck out as they did not file in time. Another I was ordered to pay before it got to court as I missed a deadline on filing a third I went to the county court and was ordered to pay a reduced amount. I am sure that I paid the charges and that we used my husbands credit card but have been unable to find evidence of these payments so far. I specifically remember they did not send any receipt or proof that we had paid through email or post. All the paperwork I had regarding the cases I threw out so I do not know which claim no. they are using. I have had no letter from a court saying I have a CCJ. I have checked with TRUST Online and checked my credit report and there is NO CCJ so I am unsure why this company have sent me this letter. I would really appreciate any advice on this. ZZPS want to collect unknown CCJ sum.pdf

Yes, I do still have both see attached jpg2pdf-5.pdf

hi all, sent a cheque to the address for payment on the court order which was gladstones.. they sent it back edit: also received a second letter from dcvl jpg2pdf (2).pdf

thanks dx100uk

Can I still contact ESP to pay original amount? Not sure how to pay them with a proof of payment.

okay so my next step is to contact es parking? no not above £600..plus it does say on the back of the letter this case is not subject to high court or bailiff action.

see attached PDF i had three parking tickets from the exact site as described in that thread.. ..they were all escalated. ..one of them was thrown out, the other went to default judgement against me so i paid in full and this one they are persuing I did go to court but my defence was crap. jpg2pdf-3.pdf

The above thread the case was closed as the claimant (gladstones/esp parking) did not submit their paperwork on time.

Have been sent a notice of debt recovery from dcbl after losing against gladstones in court. Went to court over a parking ticket in June and lost. Waited for a further letter from the court with instructions to pay. I received a letter from the court ordering to pay on or before 3rd of July. But this letter was received after the 3rd of July. The envelope has no date stamp of when it was posted. There is no where on the letter stating the judgement will be entered in the Register of Judgements, Orders and Fines. I have no registered CCJ either on trust online or any credit search. I do not want to pay gladstones on either their very scamy looking website or automated phone line. What should be my next steps?

I assumed no to mediation as I am disputing the claim in entirety.

I have received the directions questionnaire. Been reading around the forum to help fill it in but want to confirm whether my answers are correct: No to a mediation. Yes to small claims track. No to expert evidence. 1 Witness - myself. about hearing dates - i am expecting my baby end of November so should i mention i am not available 2 weeks either side of my due date. thanks in advance.

Recieved the following email from gladstones: We act for the Claimant and have notified the Court of our Client’s intention to proceed with the claim. Please find attached a copy of our Client’s completed Directions Questionnaire, which will be filed with the court upon their request. You will note we intend to request a special direction that the case be dealt with on the papers and without the need for an oral hearing This request is sought simply because the matter is in our Client’s opinion relatively straightforward and the costs incurred by both parties for attending an oral hearing would be disproportionate. You will note our Client has elected not to mediate. Its decision is not meant to be in any way obstructive and is based purely on experience, as mediation has rarely proven beneficial in these types of cases. Notwithstanding this, our Client would be happy to listen to any genuine payment proposals that you wish to put forward.

Thank you for your patience with me dx100uk. I am extremely grateful. I have just entered those two points in bullet points in the defence form. I dont intend to make any counterclaim. Is that the correct thing to do in the next part.

Okay thanks honeybee.

I feel incredibly dumb. So I have read some defences others have posted but I don't understand whether they apply in this case. What does it mean about no contract? If there was a permit does that mean there was a contract? Should I edit and rewrite something similar to this : 1.I am the keeper of the vehicle reg aa00bbb which the claimants allege was parked at (exact location) spinningfields, Manchester on whatever date and time that was supposedly a breach of a contract between the Driver and ES parking, the claimant. 2.As ES parking do not rely on the Protection of Freedoms Act 2012 to create a keeper liability the defendant puts it to strict proof as to who was the driver at the time as there is no contractual liability created between the plaintiff and the defendant as keeper of the vehicle. (if you wrote to them previously as the driver then all of this is irrelevant and can be left out) Should I just give up and pay to avoid a CcJ?

I completely missed the 28 day deadline part