sorry double post.

Are these clowns for real? Does anyone know who these people work for?

Hi I'm in the process of a PPI claims I'm using a company called black pearl claims but wish I didn't now I've done most of the work well not much work really just answering questions Barclay card ask is there a way I can get rid of black pearl claims and continue conversation from Barclay card on a policy back in January 4th 1999 I can't remember the details of the policy and documents of employment or savings etc I haven't got can I claim by myself and get rid of black pearl as it's supposedly at decision makers and if I get money they want 30% + vat if successful all I know of the policy is covered illness as to what I don't remember it was 16 yrs ago Hi guys I'm in the process of 2 PPI claims one with Barclay card and the other Capital one both started by Black Pearl Claims Ltd . I was just wondering if I could pull the plug on Black Pearl Claims as they are charging me 30%+ V.A.T I'm the one in conversation with Barclay Card trying to answer Barclay Card questions like how much savings I had a the time and my employment status etc the claim is from January 4th 1999 and can't provide the documents for Barclay Card for how much money coming in and savings etc as to far back ,it's now at decision makers with Barclay Card apparently but still keep asking these questions after many phone calls giving this information while Black Pearl sit back and wait. All I want to know is two things 1 can I pull the plug on Black Pearl and 2 without the documents of money coming in and savings Barclay card asking for have I got a claim? Some details of claim is I had a £2000 credit card with some sort of insurance that covered me when I come out work policy took out January 4th 1999

Hi All, Just a bit of advice needed for my boyfriend. I don't have all the information but I will tell you all I know and get any info off him that I need for you to help me. He made an agreement for car finance with first response finance (don't know the date but he says this has been going on since 2009). He sold the car earlier this year after he was fully satisfied that all payments were made. A HPI check before selling this on was clear. Since then, First Response have been hassling him saying that there is still an amount owed and he has committed "Conversion Fraud" because he sold it on with finance outstanding???? They have said "On the 20th January 2015 First Response Finance Limited issued a vehicle deletion correspondence to the correct agencies to advise that our interest has been removed from the vehicle. This is a business decision based on individual factors and is the reason the vehicle no longer shows as having a financial interest marker". He is sure he has paid it off. They have said they have tried to contact him about it lots of times before the letter he has actually received and have been quite nasty with their response, saying for him to contact them to arrange a payment schedule. How do we proceed with this? Do we send a prove it letter or deal with it in some other way? Hes worried that he will be made to pay this one way or another and doesn't have the funds to do so. Whats the best way forward?

Hi All, I was about to pick up the phone to try and negotiate a settlement with ANPR but after reading threads on here I thought I should ask your advice. Long story so I will try to keep as brief as possible. I rent an office space and my tenancy agreement states I am entitled to two parking spaces in the twelve space private car park. Last November I changed my vehicle, the car I bought went to my local garage to be serviced and I placed my parking permit in the courtesy vehicle. The day I collected my new car I forgot to move the parking pass back. I received a ticket that day so I called ANPR to explain and was told I had to appeal. The office letting agents made it clear they would not help. I wrote to ANPR Appeals Dept. the following day but they responded saying that they do not accept excuses. I then sent a copy of my vehicle registration and tenancy agreement which they ignored. I sent a third letter which again was ignored. I called them and they advised me to contact POPLA (something I had over looked on their response letter due to be being so irate whilst reading it). I was late doing this but when I did the code issued to me was for a different ticket issued to somebody 200miles away. I then had the call with the 'independent' solicitor at Expedion and we are now at the stage of defending myself at the small claims court and I am beginning to wish I had just paid the fine in the first place. The warden who patrols the area told me that he would not have issued the ticket if he had realised it was my car. He often over looks vehicles without passes when he gets to know who they belong to. The letting agents did not issue passes for 2015 until the 10th Feb 15 and one business owner on there still has no pass but the warden overlooks it because he knows this gentlemans car. I have emails stating the passes were only posted out 10/2/15 meaning a number of people had to park without a valid permit between 1/1/15 - 11/2/15. ANPR claim there are no grey areas but there clearly are when the managing agent of the complex fail to issue parking permits for 6 weeks yet nobody is ticketed. Key points I admitted in my first letter that I was parked without a permit I supplied ANPR with my vehicle registration document and tenancy agreement stating my right to park in that area. There is no mention of permits/rules in this agreement. ANPR issued an incorrect POPLA code I was late contacting POPLA Passes for 2015 were not issued until mid-Feb The sign says 'Permit Holders Only', which I am. It doesn't state a permit must be displayed Thank you for taking the time to read this. What do I do next?? Go to court or pay up?? Any advice would be appreciated.

My wife visited Iceland store and she forgot to buy a ticket. Received today an 'invoice' for £60/£100 as ANPR detected our car for a 37 min stay without a ticket. I am the registered keeper although it was the missus driving. Please any advice to appeal this PCN would be greatly appreciated. I have attached a copy of the pcn

Hi We are currently based in Spain and do not have all our bank statements, a Company from Swansea called Claims Line Direct Ltd has called us (we have a uk phone number here) and asked for 495 gbp which they guarantee to return whether they are successful on our behalf. They claim we have approx 3500 gbp to come back but cannot guarantee that figure. Does anybody know of this Company ?

Please guys could you help me to try and manage the situation that I have 14 days to sort out or be threatened with alleged Court ACTION. 1st Credit have sent me a threatening letter stating that a debt they bought from Barclaycard in 2006 needs to be paid or Court action pending. I have no recollection when I made a payment towards this debt and am not sure what I should do. ## Please advise what would be the next step as I have only 14 days.

Hi Folks! In December 2011, GE took us to court as we fell behind with our secured loan with them. The judge ruled in our favour and suspended the order and we all agreed on a given repayment plan of £156 per month. I stuck at that for 9 months, with every month calling GE and paying the amount over the phone, October 2012 when starting a new contract job in London that involved long commuting and even working some Saturdays. I work in IT btw. I know it is not an excuse but the commute overwhelmed me in every sense, and I started to get ill too. I forgot to stick to my repayment. In December, I left that job after it was agreed that it would be better for my health (with the contracted party). I started a new job in January full time closer to home but the employer didn't manage to secure a big client so my wages was a stumbling block for them, so they gave me one week's notice and I lost the job within three weeks of starting. This is purely because they employed me in anticipation of securing a big contract. in Februray, 2013 I had a minor stroke, and was in hospital overnight. I recovered and found another local permanent job. In February, I made a lump sum payment of £500. Up until last week, no communications from GE. Last week thursday,they notified me that they have sought a warrant for possession of the property. On monday, I called GE, and I offered a lump sum payment of £2000 (Aussie tax refund which I got only few days ago ) and I said with the help of my new job, I can increase my monthly to £500 to help clear any backlog. The guy at the other end of the phone didn't even hear my offer and said he declined it! In the end he said come back and when you have a better offer. I came here for help on this forum and with the help of this forum and my sister who was a lawyer but now a mum for two little boys, I submitted on thursday a n244. I made the same offer in my appeal to set aside the judgement. However, I also called GE automated service and paid £2000 for which I should have it appearing on my statement tomorrow (Friday 19th). My hearing is on Monday at 10, while the eviction is set for 23 April at 12.30pm I can demonstrate that I can afford the new repayment but I am so worried. I messed up but I want to rectify but I am not being given the chance. GE want the whole money owed to them which £15k. They say that the £15k is the arrears but that is the full balance . I am confused with this? missed payments at £156 from October till February. I paid them £500 in February as soon as I could. Please help me get myself togeher again. I am still going to hospital appointments for various tests a the doctors trying to find out what caused my mini stroke. They did say that bad news can do this too. In the meantime, I have kept all from my wife as I don't want her to feel the pressure. At the last hearing, she was so scared of losing the home and because of me this might happen again. Please help. I need to go on Monday with some clear ideas, which I am hoping good folks can help me get. Thanks you for reading and helping PS: GE have added a large number of charges that I know some are unfair and they also charged me PPI, which is clearly marked on my contract! I will seek these back, soon as I have done with them. Please help. Thanks Another point: My telephone offer was for £2000 lump sum, and increase of monthly obligations from £156 to £500 and set up Direct Debit. The last point of direct debit was left out in the N244 which was done in a panicky state as I originally thought the eviction was for monday and wanted to hand in the n244 by end of wednesday! I have also made a hasty mistake too: My statement for n244 says offer of £2000 lump sum but have paid this by phone. Oh dear, what to do next? I know I need to stay calm, as my blood pressure was 152 in my last test at the hospital last week! I haven't slept since last week and hardly eaten but put on a brave face for my 14 year daughter and my wife. They hardly know anything. But it is getting me donw.

Good morning Looking for some advice bout this company. My partner is the owner of my car but I drive it and use it for work..he has his own car. When I got home from work last night there was a letter from Smart Parking Ltd: Now, I know that I definitely did not use this store on this or any other date in the last 2 years. It is located at least 7 miles from me, across a very busy town centre (I have a large local ASDA about 2 minutes down the road from where we live so use that one). In addition, I would have been leaving work at about 5.15pm on a Monday and as I work 20 miles away I cannot see how the car could be in 2 places at the same time! My partner is understandably upset about this as it is in his name and he has just got his credit rating back on good standing. Can anyone please give some idea of what to put in writing in this appeal - they have sent no evidence..how can they? You can't put a ticket on a car that was not physically there! MC

H Guys, I have read alllot of stuff regarding these "cowboys" I have just recieved this first reminder for a Parking Charge Notice (not a penalty) £100 I used Just park to book the space and recieved this pcn anyway. I had authority to park there and displayed letter on screen. Owner of space said he appealed but he has not. what do i do? do i write to them with my just park authorisation? you need a code to get in the barrier so pretty secure and unlikely for me to obtain code with out consent! i have attached letter recieved. I will not appeal but may write just showing i had permision to park there. hope you can help! Regards,

Hello to everyone reading this which is also my first post, Earlier today i received a "CIVIL PARKING CHARGE NOTICE" from parking in a Barnsley LIDL car park a few days ago. The charge is £90 at a discount of £45 if paid within 14 days. I was 31 minutes and 58 seconds over the 10 minutes free parking. The situation - In all honesty i wasn't even aware the parking was only for 10 minutes free as i could barely read the sign from where i was stood but i'll go back and check tomorrow so lets disregard this for now. I parked up, popped down the road for maybe 5-10 minutes with the intention of doing my shopping when i arrived but i had a message and my situation changed. Hopped in my car to start it up and being an old car - austin mini on a manual choke, the choke knob came off and it took me the considerable amount of time to get it back on so i could start the car. Now, i've read several bits of advice here from various letters with a defense to straight up ignoring it but none for quite the 30 minutes over time. To make it clear i've not made any contact with them yet and don't plan to until i know where i stand. Many thanks EDIT - Just to clarify, the letter has the camera pictures where the license plate is visible etc.

I was amazed when i got a fine through the door about July time, i had parked in the retail park at Anniesland Glasgow, i had no idea there was any kind of restriction on the time you can park there, i thought it was a free car park as there are no ticket machines. to get a fine for exceeding the time limit is incredible. No doubt there will be signs posted around the car park but i never paid any attention to them as i just assumed it was free. I ignored the first letters hoping they would go away. Now i have a letter from DRP a collection agency asking for £135. Im unemployed, i have a massive overdraught, i have so much financial problems just now, i dont need this crap. Is there anything i can do to make them go away. The letter i have says it should be paid by 16th of sept or it might go to court action.

Dear All, I received a claim form from Lowell Portfolio (original debtor CAPITAL ONE) Claimant - LOWELL PORTFOLIO l LTD Date of issue 19TH MAY 2015 DATE TO SUB MIT DEFENCE 20TH JUNE 2015 - Friday 19th by 4pm. What is the claim for – the reason they have issued the claim? Particulars of Claim The Claimants claim is for the sum of £4280.86, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Capital One Under account reference xxxxxxxxxxxxxx and assigned to the claimant on 28/07/2014 Notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with and the claimant claims £4280.86 The claimant also claims statutory interest pursuant to S.69 of the county act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 275.86 What is the value of the claim? 4821.72 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? CAPITAL ONE CREDIT CARD When did you enter into the original agreement before or after 2007? 17-11-2006 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lowells ASSIGNED ON 20-7-2014 THOUGH I WAS NOT NOTIFIED AT THE TIME Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? NO Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? IN 2009 – 2010 NAT WEST TRIED TO CLOSE MY BUSINESS BY ASKING ME TO PAY MY OVERDRAFT AND BUSINESS mortgage TOTALLING OVER £100000 IN VERY LITTLE TIME – CREDIT CRUTCH What was the date of your last payment? 04-11-2009 Was there a dispute with the original creditor that remains unresolved? NO Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? NO I have sent in the acknowledgement of service and also written to them requesting a true signed copy of the agreement. I will send the CPR 31.14 request in a few days The claim form is dated 19th May 2015 (alleged debt is before 2007) I would like help with the defence to make sure I do not make a mistake! Any thoughts please advise, I will look at my defence over the week end thank you

Hello all, I'm in need of any help or advise I can get here, I received a claim form from the county court made by Hoist portfolio holding 2 ltd on behalf of santander UK plc for unpaid overdraft of £1175.08. The original account was with Aliance & Liecester which I opened some time in 2004 as just a basic current account then upgraded later on after about a year or more to a full current account with overdraft facility rising from £500 to £1000 then was closed some years ago when I fell into financial difficulties even before Santander acquired A&L. Before now, A&L have taken all sorts of charges and exploited my situation from charging me for inadequate funds for direct debits to charges for sometimes going over my overdraft limit even by less than a pound, then when I wasn't forthcoming with payments for these charges anymore due to loss of job,the account was closed. I was ignorant about the fact that I could have challenged for unfair charges at the time . I feel very bitter now that santander have passed this on to Hoist Portofolio Plc and i cannot remember receiving any notice before the court claim. Matter of fact, I feel so bitter about this that i wonder the possibility of counter claiming against them for unfair charges. But for the time being i will need some sort of records as i have long disposed off records about this account, can i request a CCA? please any advise/help is welcomed.

Hi, I wonder if anyone can help? I received a letter from Buchanan Clark & Wells in relation to a debt to Orange Pcs Ltd for £130. I have no idea what the debt is for. I sent them a CCA letter (template on Forum) asking them to prove what the debt was for. I sent it recorded delivery and asked them to respond within a timeframe. Today I received a letter from BCW stating "we act as agents for Orange PCS Ltd in relation to the outstanding balance and do not hold the documentation you require. In order to obtain a copy of the documents you have requested, you will need to contact our client direct". They provide an address in Co. Durham. Does anyone have a template letter that I am able to use requesting these documents please? Also, we had an account with Orange/Freeserve/Wanadoo over 10 years ago. Recently we nearly moved to EE for Broadband but because they totally messed up the whole thing we never actually moved to them. Does anyone know if EE trade as Orange PCS Ltd? I cannot for the life of me think what we owe £130 for as as far as I am aware we have always closed/finished accounts with no outstanding balances. Thanks in advace SianHamer

Well more interesting news from the Grapevine... Interesting... I wonder if it means that BC will be bought out or if they will go from scratch...

Hi folks, I've received a PCN from G24 Ltd and have written the below letter in response. I think I'm pretty well on top of it, but any extra advice warmly welcomed. Thanks, Peter+ -------------Letter Follows-------------- I have received a communication from you which arrived on the 26th of August 2015 claiming a breach of contract between the driver of the vehicle registered XXXXXXX of which I am the registered keeper. At this point I accept no liability and do not accept any breach of contract. I do not admit being the driver of the vehicle at the time in question. In order to proceed in this matter, please address the following issues. i) The alleged breach of contract occurred on the 11th of August 2015. The Parking Charge Notice to Keeper was delivered through my front door on Wednesday the 26th of August 2015 by the Royal Mail. This is a period of FIFTEEN DAYS. The Protection of Freedom Act 2012, Schedule 4, Paragraph 9(5) states that the Notice to Keeper must be delivered WITHIN FOURTEEN DAYS of the alleged breach of contract. Please provide me with a proof of date of posting. Please note, I will not accept as sufficient evidence an internal date of issue – you must provide me with clear documentary evidence that the Notice to Keeper was handed over to your specified agents for delivery on or before the 23rd of August 2015 in order for me to accept a reasonable presumption of delivery two working days after postage. ii) You state in your Notice to Keeper that the property on which the vehicle was parked belongs not to G24 Limited but rather to your client. Therefore, in order to pursue this matter please provide for me: a. The full legal title of your client b. Evidence that your client holds claim and title deed to the specific place where the vehicle XXXXXXX was allegedly parked. Please note, this must be either the original title deed to the land OR a certified copy of the title deed. I will not accept a photocopy as necessary proof. If you require any of this documentation to be returned to you please provide sufficient paid postage and packing material for its return. c. Evidence that a contract exists between you and your client in this matter of establishing a contract for parking on your land. Please note, this must be either the original contract IN ITS ENTIRITY OR a certified copy of the original contract IN ITS ENTIRITY. I will not accept a photocopy as necessary proof. If you require any of this documentation to be returned to you please provide sufficient paid postage and packing material for its return. iii) Please note in regard to ii(b) above, reasonable evidence will need to be submitted that the vehicle registered XXXXXXX was actually parked on your property, not simply that it passed through the entrance to your property and exited from your property whilst actually being parked on a third party’s property. iv) Please outline the costs involved in calculating the charge being demanded under the breach of contract (£100). Where a claim for loss of revenue connected to lack of ability for customers of your client to park at their store is to be made, please demonstrate that for the time in question – 10:48:06 11 August 2015 to 12:04:47 11 August 2015 – there were no other parking spaces available on this site and that therefore such a loss was actual. v) Please provide documentary evidence of how you have acquired my personal details as the registered keeper of this vehicle. Where a submission to the DVLA has been made, please provide evidence of the submission and your legal right to make such a submission. Please also note the following. vi) Where any further demand for money is made from myself as the registered keeper of XXXXXXX for this alleged breach of contract WITHOUT first providing the reasonable evidence of the existence of a contract as requested above in points (i), (ii) and (iii), I shall consider such a demand for money HARASSMENT as defined in Section 1 of the Protection from Harassment Act 1997 and shall contact the Police accordingly. vii) Where any further demand for money is made from myself as the registered keeper of XXXXXXX for this alleged breach of contract WITHOUT first providing the reasonable assurances in sections (iv) and (v) above, a repeat of this letter will be issued. I reserve the right to charge G24 Ltd the cost of £25 per letter issued. Your delivery of a letter to me without the material requested in sections (iv) and (v) will be considered an acceptance of these terms. Sincerely,

I have two CoOp credit card debts, of £2,700 and £9,000 respectively. Although I'm not convinced that they hold enforceable CCAs or were defaulted correctly I did agree with them in 2010 to pay £1/month into each account in return for an interest freeze. In 2013 the CoOp told me the debts had been assigned to Cabot but that payments should continue to be made to Fredrickson, who manage them). I've maintained these monthly payments by SO throughout. At the beginning of the month I received a letter relating to each account from Debt Managers (Services) Ltd claiming that they were now managing the accounts on behalf of Cabot and that I should pay the SOs to them instead of to Fredrickson. I've heard nothing from Cabot or Fredrickson. Debt Managers have phoned several times but I've refused to go through their security checks and told them to supply some evidence of the transfer. I notice, also, that in both cases the last digit of the quoted credit card account number is incorrect and the reference numbers don't match Cabot's, although the debt totals seem OK. Should I do any more? Anyone any experience of them? I don't want to waste time and money making a CCA claim without good reason.

'The (mill) wheels... grind slow, but they grind exceeding small.' I noticed the thread HFO/OFT Minded to Revoke thread had its last post eight months ago, so I'm putting this in a new thread - I hope admin will move it if they see fit. With help from many CAGgers, specifically DonkeyB (good luck in the Rugby World Cup:oops:) we were part of a process that ended in a thorough, days' long interview with the OFT to do with being hounded by HFO using draconian and humiliating practices on a debt we didn't owe them. We were asked but due to ill health were unable to be witnesses. It gives me great pleasure to share the mucho satisfactory letter received today: ~~~~~~~~~~~~~~~~~~~ Dear Sir/Madam HFO Services Limited, Roxburghe (UK) Limited, HFO Capital Limited and Alasdair Turnbull ('The Appellants') v The Financial Conduct Authority Further to our recent correspondence, I write to update you on developments in the above proceedings. Following settlement discussions, the Appellants have agreed to exit the consumer credit market and to write off any outstanding consumer credit debts which they own. The FCA has agreed to the quashing of the determination made by the Office of Trading on 27 January 2014. It follows that the Tribunal proceedings have concluded and therefore there will not be a Tribunal hearing in this atter. A statement reflecting this outcome will be published on our website soon. We are grateful to you for all your assistance in this matter. ============================================ Alice in Limboland! It couldn't happen to a nicer bloke. Thank you again for all your help.

ParkingEye Limited (Respondent) v Beavis (Appellant) Case summary Issue The parties are aware that the appeal from the decision of the Court of Appeal in El Makdessi v Cavendish Square Holdings BV [2013] EWCA Civ 1539 is listed for hearing on 21-23 July 2015 and that there is considerable overlap between the issues in that case and the issues in the present appeal both of which are concerned with penalties. Facts The Appellant is presently liaising with the Respondent and the parties to the El Makdessi appeal with a view to considering whether it is desirable, or indeed possible, to list these two appeals together. The Appellant wishes to draw this matter to the Court's attention at the earliest possible moment should the Court wish to consider the matter of its own motion. Judgment appealed [2015] EWCA Civ 402 This case may make Supreme Court TV on that day so you might be able to see the case live Info from here https://www.supremecourt.uk/cases/uksc-2015-0116.html Attached PDF from here http://www.bailii.org/ew/cases/EWCA/Civ/2015/402.html The referenced case can be found here http://www.bailii.org/ew/cases/EWCA/Civ/2013/1539.html or read the judgment with the attachment

I have just gone over my Equfax file and came across this search 1st Locate (Uk) Ltd in April of this year It is listed as: 1st Locate (Uk) Ltd - Bg T&c Now i know i had issues with British Gas at my last address, that has been sorted now for the last two months as i am in a repayment plan with them. British Gas direct that is That is the only thing i can think of with the Bg T&c at the end of the reference Anybody know of this outfit??

Hello, I was wondering if anyone could let me know what they think of a little dilemma I have at the moment with NewDay Ltd please. Yesterday I posted a CCA request along with the £1.00 PO to their current registered address and today I checked the Royal Mail website and apparently the letter is to be 'returned to sender as addressee has gone away'?? I then went on to the Interim Consumer Credit register and the postal address I used is the one still on there. I have noted the email address of the main contact from the register when the letter gets back to me I shall email this person to ask what on earth they think they are doing. Does anyone have any thoughts on this as I would be grateful for some input before I continue trying to contact them - I could phone but I do not want to be drawn into a long winded conversation with someone trying to fob me off. Many thanks.

Good evening, I'm new to this site. My other half got the PCN for the alleged breach of terms and cons of use of the privately operated access roads at robin hood airport, approach roads. The reason is stopping on roads where stopping is prohibited. The OH says there were no signs or road markings and the bit where he was parked is a small slip road off a roundabout that didn't lead anywhere. It's not a car park, and I'm unsure what they're referring to as 'controlled area'. As I wasn't in the car I'm not 100% about the signs, etc. Is there a point to waste time and appeal, as I won't be driving all they way to robin hood airport just to check if the signs are there. Any information and help will be much appreciated. I'm aware the PCN can be enforced if it ends up in county court. I don't have the time and the money to allow it to go that far

Purchased Gold from Capital Mint Ltd. Company Administrator appointed shortly after. One year later Administrator dissolved the company when some of the Gold was still stored with another company, Baird and Co, and still remains so. Is it possible for the creditors of a Dissolved company to apply for an Administrator to be reappointed?