Debt management directors disqualified for a combined 11 and a half years READ MORE HERE: https://www.gov.uk/government/news/debt-management-directors-disqualified-for-a-combined-11-and-a-half-years

Hi all have been attempting to help my daughter sort out her debt problems . Recent success Bryan carter discontinued court claim due to information from this site . We now however have MKDP claiming for old hsbc debt . details below . Current account overdraft shows on CRA as defaulted November 2007 as does flexiloan . Name of the Claimant MKDP LLP Date of issue 08 June 2015 What is the claim for The claimant claims sum of xxxx being monies due from the defendant(s) to HSBC bank plc under a bank account facility regulated by the consumer credit act 1974 and assigned to the claimant on 08/12/011. The defendant(s) s account number was xxxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand . The defendant(s) has failed to make payment as required by the demand for payment sent by HSBC bank plc. The claimant claims the sum of xxxxxxx and costs . The claimant has complied , as far as is necessary , with the pre-action connduct practice direction. What is the value of the claim? 1,761.70 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Overdraft /combined with loan. Account number claim under is current account no mention of loan account number . When did you enter into the original agreement before or after 2007? bank account 2004 / loan 2007 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. debt purchaser MKDP LLP Were you aware the account had been assigned – did you receive a Notice of Assignment? unsure Did you receive a Default Notice from the original creditor? unsure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Debts were building up not enough money to go round so prioritised to rent and neccesities . What was the date of your last payment? poss 2013 to MKDP under current account number no mention of loan Was there a dispute with the original creditor that remains unresolved? unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes they offered consolidating loan at payments i could not afford , so i refused . Actions so far are as follows AOS done 13/06/15 , CPR 31.14 to MKDP done 15/06/15 , SAR to HSBC done 15/06/15 . MKDP responded to CPR with copy of terms an conditions effective 1st november 2007 , also copy (looks like computer printout as opposed to original ) of a default notice not signed or dated however the account number on this notice is for the flexiloan account and not the bank current account number of which the claim in the POC is for . It would seem that the two debts have been combined and i would say that MKDP are unaware of this , as they make no mention to the flexiloan in their claim . To sum up looking for some advice as to how to proceed as the bulk of the debt is the flexiloan , and the overdraft is mainly charges . I do not want to accidentlly alert MKDP of their error with the default notice and the fact that the loan has been bundled in with a current account as they make no mention of the loan in their claim . Where do MKDP stand if they continue to court ,and what would be the best way forward IE ask MKDP for cca and informing them about the two accounts being combined (as im pretty sure that the flexiloan was statute barred as of 2013 , however as said earlier 10 pound payment was made to MKDP under this debt after constant phonecalls and hounding but with only the current account details . Would appreciate some advice if anyone is able to offer some as defence is due Friday 10th if i worked it out correctly .

Hi im wondering if anyone can help me, i got a parking charge notice from these people asking to pay. after doing some researches im hestitating to pay because of what i read from others drivers who got charged. What do i do? They clearly did have their bright red signs up in the area that i parked it just seems so odd that they are asking to pay by paypal and not automated payment line over the phone. Please help me what should i do

Missus got speed camera nip through with a section that allows yo to tick speed awareness course (if suitable) fixed penalty or court. My concern is it doesn't state the penalty or points you will get, is that legal? It also has warning that if you fail to reply to the s172 notice the penalty WILL be higher than the speeding fine, I thought both were max £1000 and 6 points?

My other half unaware had parked in a car park to her mates flat, unaware of any signs etc regarding non payment back in February this year.. . Not having a ticket on her car, someone must of taken it off, as they did send proof of it on her car... She hadnt paid the fine back then, now have a letter from BP Collins Solicitors "Letter of demand" for the sum of £150.. Do we have to pay this? Or can we ignore the letter?? They are acting on behalf of Combined Parking Solutions Limited (CPS) Any advice etc would be great and many thanks in advance.... If any other info is needed please ask... Thanks.

Hello there, My friend and her husband have a joint debt of £3,200. The creditor managed to obtain an interim charging order on the house. However, the house is only in (and has always been in) the husband’s name only. The hearing is tomorrow and I would be most grateful for answers to the following questions, if possible. 1. Can the charging order be enforced, despite the named owner share of the debt being only 50%? 2. Is it the correct procedure for the creditor to apply for the charging order without first giving notice to the home owner? (In this case, my friend and her husband were led to believe that the creditors were not going to pursue the debt in full and an arrangement for payment would be accepted. However, they (the creditors) underhandedly went in “for the kill” and applied for this interim charging order without notifying them. 3. This amount owed, was initially admitted to. However, on reflection, my friend realised that the amount should have been minus £800, as an initial refundable deposit of £800 was paid, however was never refunded. Can the original court order to pay be set aside on this basis? How does this impact on the interim charging order application? I eagerly await a response as they are due in court tomorrow. Thanking you.

Combined Parking Solutions - suspended by DVLA “Combined Parking Solutions” [As a result of] the signage used by this company. The Agency has suspended the company’s access to data. More to follow

Combined Parking Solutions - suspended by DVLA “Combined Parking Solutions” [As a result of] the signage used by this company. The Agency has suspended the company’s access to data. More to follow

Hi All. New here and I can't believe it has taken me so long to find such a good forum... I need some advice on a debt that is with Direct & Legal Collections. It comprises of two debts that HSBC put together - an overdraft and a loan - in 2008 after I defaulted on them. Both debts were created previous to 2007. The combined debt is being collected by DLC and I am up to date with my agreed payments on it. My question is - can they legally do this without my agreement? Surely this creates a new debt that I did not agree to? I cannot find the link now that says combined debts are unenforceable. I am not looking to avoid payment - just push back on the horrible phone calls I get every 6 months demanding more money. TIA.

I see another viewpoint has been put about the recent VCS case, makes interesting reading. combinedparkingsolutions.com/vcs.html It does make sense though, if the landowner explicity gives them approval to enforce charges that they issue then that would allow them to enforce the charge.