I received a windscreen invoice from UKCPS after being parked illegal in a private car park. The background to the case was that my elderly mother who is diabetic was having a hypoglycaemic attack. It was medical emergency. My mother is a Blue Badge holder but there was not time to display the badge. I completely ignored UKCPS demands for payment after reading advice on forums. I have now received the attached letter from Miah Solicitors. They have sent me Practice Direct on Pre-Action Conduct. What would action would you all advise me to take? Should I now just pay it or continue to ignore it. Are they likely to take to court and would they like win they did so. I'm unable to provide evidence to support my case. Many thanks.

Hello. I am new to this forum but was hoping there may be someone who could offer some advice with regards a Limited Company we carried out work for. This Company is a cleaning company specialising in industrial cleaning. We are a small Ltd Company. Ordinarily we would not have carried out work for this Company but was approached by another client of ours who asked us if we would help them out as they had instructed another contractor to carry out some refurbishment works on a 3rd party premises, and they had not completed it to their satisfaction (that was what we were told although now, that may not be the case and maybe it was that they did not pay that contractor either). Anyway, to cut a long story short, we carried out the work, supplying all labour and materials to refurbish the washrooms and the Company has only paid half of our invoice. Following all of the procedures of sending reminders, letter of intent etc etc, we decided to request the services of a debt collection agency hoping this action would prompt them to pay, and hopefully avoiding court action and a ccj against their Company not knowing that this would be one of a few. Despite letters and emails from the Directors of the Company stating that they acknowledge the debt and that they will pay in full, they did not respond to any of the telephone calls from the debt collection agency leaving us with no alternative but to go to the small claims court. Initially the Company put in a defence which it seems was just a delaying tactic, as they did not submit any defence (they didn't have one) and the courts struck their defence out and issued the CCJ. Throughout all of the administration process etc I decided to do some investigation into the Company (a bit of closing the door after the horse has bolted) and I am amazed at what I uncovered. This Company persistently opens and closes companies on an annual basis. It changes its name marginally by adding a UK or Services to Solutions etc. The Director currently has 5 open Companies with a further 5 dissolved. They have not filed any accounts for the Company that they say we were working for and during the court process they have opened another Company with a view I would assume to close the cleaning company we have the CCJ against. They have changed the name of their new Company only by using the initials instead of words in the name. It is still a cleaning company with the same Director still operating in the same industry with no doubt still the same customers. This is frustrating. We have spent over £300 in taking this through the courts to get the CCJ which I am sure will be unenforceable as they will claim that they have no assets Their registered office address was an accountants; their new registered office is their new accountants. Is this legal for a Company to open and close Companies owing several thousand pounds - our CCJ is for just over £3K, they have another against another of their companies for closer to £4K and a smaller one against another of their companies for £500 and yet they continue to trade in the same industry under yet another name. We know we are not going to see payment of our invoice, but is there anywhere that I can take this to highlight the unscrupulous trading practises of this Director?

Link Broken wollerton-v-Black-horse-ltd.pdf

Hi all Wondering if anybody has had any dealings with 'Private Parking Appeals Limited' I bumped into them via Parking Cowboys when intially researching my response to a PCN/NTK (as explained in my thread 'Owner/Driver left the site'). I 'knee jerked' somewhat and paid £18 to them to take the appeal process on as promised on their website and make the whole thing 'go away' That was on 22nd Aug. I've not had any response. Even after sending several emails inc via their website and a couple of phone calls to the message service. Are they legit?.... or more [problematic] on the make? Cheers

I took out a loan in 2001 from IGROUP loans. I spoke to them last week about reclaiming my PPI. I was (and still am) a Local Authority Officer at the time and would have received 6mths full pay and 6 months half pay if I became ill and could not work. I have just come across the papers for the loan. I made copious notes and there is no evidence of a discussion about what benefit my employer offered if I could not work. They have informed me that they cannot offer a refund because the PPI was sold by a broker - Headland Finance. What is the procedure if the PPI was sold by a broker? All my monthly instalments were paid to IG loans not to the broker? Is there anyone out there who can offer some advice? I do not believe that the PPI was necessary.

Hi I am looking for some help/advice regarding how to proceed with a CCJ I have obtained against a Limited Company I undertook some work for and have not been paid. The background is that a workmate and I are owed £2915 (total) from a one man band building company whose company address is registered at his Accountants. The CCJ is against the company at the Accountants address which obviously will not have any assets there belonging to the building company so there seems no point in sending bailiffs/sheriffs to that address to enforce the judgement. The owner of the building company made a personal promise (on his daughters life believe it or not) to pay us and has also confirmed that statement to 2 directors of the main contractor he was sub-contracting the work from. Can anyone advise how I can best proceed to recover the debt? thanks

I've recently come across some concerning information on my Experian credit file which couldn't have come at a worse time (Applying for mortgages) I've recently had a default placed on my file from a company called 'Hoist Portfolio Holding 2 Limited'. I've never heard of this company before, never received any correspondence and my attempts to call them have result in voicemail every time. Having queried this with Experian, i received the following response. "Further to your recent contact, the contents of which have been noted .Please note this account relates to an unpaid finance account, opened on 20th September 2010, a t the address of *** *** ***, with Vanquis Bank. The account defaulted on 6th February 2014 with the balance of £1,251.35. We have reported to the Credit Reference Agency this account is Partially Settled. We trust this resolves your query as we believe the details registered to be correct." Further to this email, I have some background on this 'debt'. It was originally an amount owed to Vanquish who sold the debt to a DCA called The Lewis Group and any attempts to contact Vanquish always referred my back to the DCA. An arrangement was made with The Lewis Group as follows: We can confirm our client will accept payment of £1261.92 in Full and Final Settlement of your account. This will be reported to the credit reference agencies as satisfied with a zero balance. I have the above information confirmed via email and letter correspondence with The Lewis Group but am not slightly worried where I currently stand with this. I've also come to the realization that Experian are not able to do anything but the initial query on this but not remove any Defaults (which was what i thought i was paying my membership for ) I have read up regarding Hoist and the problems others are having with them but I'm not sure which direction I can go with this considering i thought it was all done and dusted when i was dealing with The Lewis Group. Thanks in advance

Hi, I'm hoping someone may be able to help me with a problem I have which involves Turnbull Rutherford / HFO Capital Limited & HFO Services Ltd. It revolves around a Barclaycard debt going back to 2007. I have attempted to get Divorced & had my submission returned form the Court due to their being a Couple of Charging Orders listed against the property I shared with my ex which we had a mortgage in joint names on. It would appear that a CCJ was granted at Northampton CC on 4th July 2008 in favour of HFO Services Ltd ( I was never notified that they had applied for a judgement so was not able to attend to defend ), subsequently a Charging order was granted on 14th August 2008 at Guildford CC ( according to a letter from Turnbull Rutherford ) although a copy of the Final Charging Order as supplied by Turnbull Rutherford is Stamped Guildford CC & Dated 29th September 2008 ( again I received no notification of this action so was unable to attend to defend). I first made contact with TR in December 2012 to query the Charging Order & also to enquire as to what the debt was as I had no knowledge of it, at the time of my call the representative of TR was very vague & offered little information, although I stated that I had received no paperwork or notice of the action taken his response was basically '' we have the charging order so I doesn't matter now anyway, pay or we will sell your house''. I received a letter from TR a couple of days after my call suggesting that I had discussed a settlement figure for the debt ( which I never had ) and the client detailed on the letter was HFO SERVICES LTD. I spoke to my ex - wife who confirmed that she had not received any paperwork in relation to this matter ( I was no longer living at the marital home & hadn't been resident since 2006 ) I spoke with someone who advised the debt was 6 years old that it would be statute barred & to have no further contact with TR which I duly did. I received another letter from TR in March 2013 again incorrectly stating that I had contacted them and requested a settlement figure ( which I had not ) I ignored this letter and made no contact with TR. I applied to Guildford CC to have the judgement set aside I completed a form as supplied by the court and paid the fee ( cannot recall the amount ) and sent the paperwork to the court. Approximately a week later I received a call from TR which I took by mistake during the course of which the TR representative again suggested that if I didn't pay they would force the sale of the property & also that my attempt to get the judgement set aside would fail, they suggested that the court had contacted them following receipt of my application which had prompted their call. I have until recently resisted all contact from TR however my circumstances have changed whereby my ex wife now wants to move on with her life & potentially re-marry which she cannot do until we are legally divorced, she had suggested that her Father would be willing to settle the debt in order to get the charging order lifted so that the divorce can go through. Reluctantly I have tried to contact TR only to find that they have been struck off and that the Debt is now being handled by HFO SERVICES Limited, I have obtained their number and called them, I have requested a settlement figure to which they have asked me to make an offer, as instructed by my ex father in law I have offered the sum of £1800.00 against a debt of £3547.90, I spoke with a guy called Ankur Srivastava who said he would go back to his client and respond to me by email which he has now done. His response is as below; Your Account With- HFO Capital Limited Original Lender- Barclaycard Original Reference- ..............# Balance Outstanding: £3,670.90 Further to our telephone conversation this afternoon, we would like to inform you that HFO Capital is willing to close the account by offering you a one off payment for £2,753.17 as full and final payment on the account. his represents 75% of the current outstanding balance. We would also like to inform that above mentioned balance does not include any post judgment interest added to it. As you may be aware the judgment was obtained in 2008, however HFO Capital has decided to waive off interest for all this time. HFO Capital Limited would also like to confirm that once the payment is received in full, we would inform the court to get the judgment marked as satisfied against your name and also instruct the land registry to remove the charge from your property. HFO Capital would also be contacting the relevant credit agencies to get the default marked as satisfied against your name. Please feel free to contact me on 0208 899 7452 if you have any further questions. Please note that settlement offers are time bound and would be valid for a fixed time. Regards, Ankur Srivastava HFO Capital Limited PO Box 342, Lavender Park Road, West Byfleet, KT14 6YX T: 0208 899 7457 This footer also confirms that this e-mail message has been scanned for the presence of computer viruses. Any views expressed in this message are those of the individual sender, except where the sender specifies and with authority, states them to be the views of HFO Capital Limited. HFO Capital Limited is a limited company registered in in Eire; Registered Office: 22 Bridge Street, Ringsend, Dublin 4, Eire Registered Number: 446327 Vat Registration Number: IE.9673073N. Director: B Nathan (British) S. Blackburn (Maltese) HFO Capital Limited is authorized and regulated by the Financial Conduct Authority. Interim Permission Number 614989. I have noted that he is saying that his client is HFO CAPITAL LTD & he has signed off his email as being an employee of HFO CAPITAL LTD, the judgment & Charging Order is in favor of HFO SERVICES LTD. I have tried to contact GUILDFORD CC to seek clarification of the judgement & who it is in favour of to see if the fact that monies are being requested to be paid to a company other than that named on the Judgement & Charging Order is legal or if I can get the Judgement set aside due to this discrepancy. I apologise for rambling but am new to this & out of my depth, just wanted to put as much detail on here as possible in the hope that someone can help me. Any help or advice would be gratefully received.

I'm going to have their heads! Back a while ago minicredit decided to kill my loan off when I complained due to the fraud. They advised it was all said and done. Opos then got their hands on it and it was a battle to get them to follow suit and do as Minicredit said they were going to do.. Finished I thought.... NO! My Noddle credit file updated this morning and I have an entry against Kapama Ltd for the exact same loan! Even though OPOS promised in writing that it was over and done with!? (Kapama are Opos) Any ideas here? This is the third time I've had to deal with this...

Good Afternoon All I had an EE (formally T-Mobile) contact that I ran in trouble with and got a default placed on my credit file. EE Limited then sold the debt to Lowell Portfolio, however even though EE had sold the account and were nothing to do with it anymore and Lowell Portfolio ‘legally’ owned the debt, EE Limited continued to update the default on my credit file for a further 5 consecutive months (I have proof of this from the CRA). I have been advised that what should have happened is that the default should have been taken over straight away by Lowell and it was Lowell responsibility to update it on my credit file, however EE continued to update it for 5 months, it then disappeared off my credit file and the CRA confirmed that EE had removed it and then 2 months later Lowell added there default. My question is, ‘Has DPA been breached, and is it worth making a complaint to the ICO?’ Many Thanks [/size][/size]

Hi Guys, I have had ongoing correspondence with opos regarding a loan I took out with MiniCredit almost 2 years ago. After repeated requests for them to provide me with a completed breakdown of the claimed debt including charges/fees/interests I have finally received the below. They are attempting to claim £1,187.50 on an original loan of £150! Would appreciate any advice on how to respond. I am sure the Debt recovery fee and attempt fees are unenforceable. Here is the requested statement : Loan reference: Date issued: 01/09/2012 Due date: 25/09/2012 Loan principal £150.00 Interest £217.50 Overdue charges £80.00 Debt Recovery fee £100.00 Attempt fees (£5 per attempt) £640.00 Total balance £1,187.50 Payments received 31.10.2012 £100.00 05.11.2012 £100.00 Sincerely, Derek Thanks in advance guys.

Effective from 16:00 Wednesday 10th December 2014, Microcredit Limited have Ceased Trading as a Payday Loan Company. [ATTACH=CONFIG]54808[/ATTACH]

As has been previously mentioned on here ANPR have now been given the boot by the BPA Ltd. This is their press release:- http://britishparking.co.uk/News/bpa-terminates-membership-of-anpr-limited And about time too!

Hello all, Need some information for a friend... She was a director for a limited company but the company had money problems and ceased trading and has been closed down. Lloyds are chasing her for an outstanding debt for an overdraft she had with her limited company. The Debt has now been sold to a debt collector who is now harrassing her with letters and stipulating money must be paid. Can someone tell me if the director is liable for the debt, or the limited company itself is liable? Many thanks

Hi, after some advice and investigation on the Which website, we discovered that there's been some issues around self-certified mortgages. We sent a letter to GE Money using the template letter - I'll attach this. We've now had a response that GE Money didn't sell the loan, The Personal Loan Express Limited did and they are no longer trading, so we should contact their administrators. They then go onto say that the issue is 'time barred' because the loan was taken out over six years ago. Then finally they say the complaint is closed and to refer to the Finance and Leasing Association if we're unsatisfied and not to contact the Financial Ombudsman because it is outside their jurisdiction. They also sent a copy of the original credit agreement, which I will also attach. Any advice of next steps to take would be hugely appreciated. The loan was taken out to consolidate debts but there was no checks done on my father's income which now due to ill health is non existant and no checks to ensure that it covered all the debts to be affordable.

Has anyone had any dealings with this company? My partner has recently checked his credit record and has two defaults - both from Mail order catalogues (one of which his mum has opened in his name and defaulted on) and the other has the above company name against it. Our original thoughts were both accounts were opened by his mum however she swears that she only opened one and my partner has never applied for any credit whatsoever. I'm assuming this is a DCA and I would like to send out a CCA request to both companies but I am struggling to find a contact address for this company. Can anyone help?

Hello, I have read with interest postings re: Transport Investigations Limited. I unfortunately am having to deal with them currently and am after any advice fellow consumer action group members may be able to offer. In summary, I use a mobile train ticket app which entails purchasing upfront a bundle of 12 journeys in a package. So they are pre-paid tickets which require individual ticket activation before use. On the particular day in question I genuinely forgot to activate a ticket until arriving at my destination. This may also have been down to the app being very tempremental and frequently crashing before I can perform the activation (a problem I have reported to the TOC). So this is a case of late activation of a pre-paid ticket. Once I had activated my ticket upon arrival at my destination I used the app which generates a bar code and I showed this bar code to the automated barrier scanner which alllowed me to exit the station at my destination proving my ticket valid. This was in full view of TOC staff. I was stopped by a RPO working for Transport Investigations Limited once I had passed through the barrier and had the activation time of my ticket checked which showed it had been activated after the train I was travelling on had arrived at my destination. I was questioned about this and allegedy accused of having travelled without a valid ticket, despite other passengers queuing up to buy tickets at their destination (ie paying at the end of their journey, thereby geuinely travelling without a valid ticket,which seems to be tolerated, surely you can only have one rule either you must have a ticket before boarding a train or not (pay on the train is allowed or pay at the other end)) I am being pursued by Transport Investigations Limited now alleging I travelled with intent to avoid paying a fare. I dont know if anyone else has had experience using these mobile app based tickets. I have used the app since March 2014 without incident and prior to that purchased paper weekly tickets and have done so since early 2008. They have sent a letter now saying an application may now be made to issue a court summons. I have replied in full with my version of events in writing, but the letter I have had back, in common with experiences of eveyone else on here, has none of my points/questions addressed. I now have a week to reply before they take it further, I obviously wish to avoid court and would rather accept an administrative settlement. Indeed the TOC policy I have checked says that court is only used as a very last resort the offer of paying the fare (which I of course paid upfront weeks before so they have my money) plus an admin fee is the first option. I would welcome any advice fellow commuters could offer, this has been causing me some stress as I attempt to recover from a recent hospitialisation for surgery.

Hi all, some time ago I was contacted by Black Diamond-Legal Limited with respect to claiming back PPI. I decided to go ahead, as I just wanted to check on previous unsuccessful claims, this was in June. I have been contacted by an old bank, stating that I am eligible for a refund, they would contact Black Diamond-Legal Limited directly as I had given authority. I have tried to contact Black Diamond-Legal Limited from August this year, to no avail. Has anyone experience with this company/? thanks clayton

Apologies if this has been asked before but I need to send a complaint to Orange PCS Limited that will get some action. Does anyone have a contact name and address for someone that I can write too. Thanks

Hello This is just a little warning for anyone searching for information on the following three companies.harrington jones limited, cobley johnson partners ( cjp) and consumer claims ( consumer-claims dot com) They are all sening letters to people fishing for work, they are not including their fees and cleaverly miss out vital pieces of paper work where these fees are contained Do not sign any letters of authority from any of these companies hopefully people searching will see this and be warned.

Hello team, Returning member which needs your kind help again, thank you in advance! Today, I received a phone call and subsequent email from a nice lady from Wilson and Co telling me that they have been instructed to enforce a High Court Write against my Limited Company. None of the documentation, Notice of Claim, Judgement Form, invoices, etc. has ever been received by us. By phone, the nice lady told me that papers were served by recorded delivery to what I confirmed to the lady is our old service address. We moved to a new "virtual office" a few months earlier. (Formally changed via Companies House). We are a web based booking company and have no assets. The business address is a virtual office, we are not there, but any mail (we don't get any really) is forwarded to our home address. They don't have our home address - well I have not given it to them anyway. The debt is for a magazine advert to promote our business. The nice lady has emailed me the details of the Judgment and costs incurred, as follows: Judgment £731 Costs of Execution £111.75 Assessed Solicitors Costs £152.00 HCEO fees: £944.00 I told the nice lady that that I will communicate with her by email, she is happy to do so by email. I confirmed in writing that today is the first time we are hearing about this judgement and writ and that I am amazed at the excessive HCEO fees. The nice lady has been kind enough to tell me the cliam number and and where the judgement was obtained, "County Court Business Centre". Where do I go from here? Can I apply for Set Aside and Stay of Writ? This has got totally out of control and the fees are absurd! Do I contact the creditor, an (advertising/printing house) or do I contact the solicitors which has instructed the High Court Writ against by business or do I continue in email exchange with the nice lady at Wilson and Co.? On a different side-point, I am furious with my ex-accountant who it seems has been "signing for" important letters from the Courts and not informing me. If this is really the case, and the creditor has been sending such letters and claims packs by recorded delivery, then I will be paying my old accountant a visit and making a complaint! At the very least he should be emailing me to say he has what looks to be important letters for me, or even better, he should be refusing to sign for them and they would automatically be sent back to the creditors solicitors, whom would investigate further by either visiting my website or checking Companies House listing for the new service address. I feel like I have a case against my ex-accountant as he has helped balloon this relatively small debt, to a ridiculously large one. Back to what my next move should be? Any help and advice would be most appreciated. Thanks, Jameson

Hi March 2012 I purchased a caravan from haven . The goods where £51k. I payed a cash sum of £21k and my agreement was to pay £488.39 a month for 7 years , I was paying this monthly until I split from my partner and couldn't pay no more the last payment was on 1st April 2013 .. Since I purchased the caravan there has been problems thing not made right and took very long to get fixed .. I was also with out a fridge for 3months . My ground rent for all hallows site was due march 2013 which was for a sum of £3900 not including bills . . Which I could not afford to pay . In march I phone evergreen asking for advice they said there was nothing they could do I have to pay the agreement or they can take the caravan back and pay a other £4000 !!! Where has my £21000 gone !!? And the 13 months of paying £488 !! now in may 2013 I have haven asking for their ground rent and evergreen asking for there payment . . Haven was ringing and sending letters saying they will put it in storage . . I phone haven to see if they could help they are all just full of lies .. I asked could I sell the caravan to pay back the rest of the finance so I do not get bad credit they offered me £14500 !!! I have lost £36500 in 1 year which is crazy . I refused this offer , allhallows came up with some great idea .. They said for me to let them have the caravan till end of school holidays which will take a great lot of the money i owe for the ground rent and when it comes to September I can sell the caravan because September is the month they sell a lot of caravans and that I will prob walk away with £10k in my pocket . I thought great lets do that I handed over my caravan for them to rent out over the 6 weeks . . September 2013 came and time to sell my caravan and pay back evergreen finance limited and maybe walk away with some cash ) .. NO it was All a lie !! All they wanted was to take my £51k caravan to rent out for them to earn money !! They lied about September being the best month to sell which it turns out September is the worded month ! I went down the caravan park 2 weeks ago to visit a friend and people were in my caravan allhallows haven have been renting out my caravan not just the 6 weeks I didn't go in the office to confront them about this as I will just be feed with more lies .. now I have been giving a date 29 of November2013 for court . . Evergreen finance limited our taking me to court to reprocess the caravan which will been I will get bad credit (ccj) I'm calling out anyone that can help me ?? Can I stop this ccj ? Where has all this money I have payed gone ??

Please ignore have posted query in wrong area.

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 Just looking for some advise regarding a county court claim letter received today Issue Date 03/06/2014 Particulars of claim Claimant's claim is for the balance outstanding under a Bank account facility Clydesdale bank plc trading as Yorkshire bank ("CYRB") agreed to maintain for the defendant. it was a term of the Bank account that any Debt balance would be repayable by the Defendant on demand. Despite a demand the defendant has failed to repay the amount due. The debt was assigned to the claimant on the 18/09/2009 The claimant therefore claims 1) 626.79 2) Interest 350.51 The current account was opened probably in the 90's as a school savers account then later transferred to myself probably at sixteen. From my understanding this was completely paid off in 2010 but can't prove it as now 4 years on i have no statements or any details regarding that account What is my next step?