I have just found out my debt management firm is no longer trading saw this: RMR Financial Services Ltd, formerly trading as Compass Debt Counsellors, has stopped trading and no longer offers debt management services. The firm’s interim permission from the FCA, which firms must have if they wish to offer debt management services, lapsed on 8 March 2016. AARBS Ltd (insolvency practitioners) is holding a meeting of the firm’s creditors on 30 March 2016. RMR’s bank accounts have been frozen. This means that the firm will not be requesting direct debits from clients’ accounts and standing order payments will be rejected and returned to customers’ bank accounts. This is an evolving situation and during the transitional period we would expect creditors that are authorised by us to show forbearance. The company was holding around £500 of my money will i be able to claim it back what should i do first im clueless and extremely worried

Hi all, Wondered if you could give me some advice. I was in Grahame Park in Hendon today and needed to pop to the Sainsbury's local store. There was a lay by to the side of the store which had cars parked in it already and I pulled in, was just about to get out of the car and a bloke walking past said "Don't park here mate, its a loading bay and they are taking pictures of the cars". I thanked him and got back in the car but as I was pulling out into the traffic, a woman appeared and took a picture of my car and the registration plate. I went back there later (without the car!) and fair enough, there are 4 signs up but they are at least 10ft in the air and the wording of them is tiny, there's no way anyone could read them without getting on top of them. They say the usual about agreeing to pay consideration in the form of a parking charge, £100 and £60 if paid within a time period etc. I must have only been there for about 3 minutes at the most and there was no ticket put on the car but what do you reckon I should do? To make matters more complicated I've only just moved and the car still registered to my old address! Any advice would be much appreciated, Thanks

Just entered the murky world of accident management company after having a non fault accident, my own inexperience and what I feel was sharp practice by insurer. I am now in the position of having to deal/use with one of these companies, my position is after repair garage one supplied (credit repair)valued my damage at unstripped £7589.12 this deemed 66%. Having been led to believe this would be a total loss by the advisors, I looked at the book price and retail price of my car retail £8000 max for age mileage, this is not 66% damage but 90%+, to my surprise this was authorised for repair to a max of £8097 I questioned this with accident management company to no joy(told these are experts). Now entering the 4th week apparently there are some extras after stripping to add to cost so still in limbo as the status of my car, communication is made only when I chase things up. This all adds up to be suspect to me and dragging on, very grey area as to my rights on this. I know this is purposely being dragged on as have hire car from them this will rack up costs for them to pursue from 3rd party . I am in deep at this point and not wanting to muddy the water as this is ongoing hence company name omitted and ultimately I don't want to be at loss so am tied to what these people do. I`ve Read all the horror stories but ultimately very very grey area anyone else been through this and experienced similar??????.

Budget 2016: FCA to regulate claims management companies The government has moved to make the Financial Conduct Authority (FCA) responsible for regulating claims management companies. Announced as part of today's Budget measures, the Treasury said it would introduce a ‘tougher’ regulatory regime for claims management firms. This followed a review of the claims management industry which recommended a cap on the amount such firms can charge. ‘The government is clamping down on the rogue claims management companies that provide bad service and bombard customers with nuisance calls,’ it said. ‘The new regime will be tougher and will ensure claims management company managers can be held personally accountable for the actions of their businesses.’ The Treasury said the FCA would be put in charge of the new regulation. ‘In order to ensure that the new regulatory regime is implemented effectively, the government intends to transfer responsibility for regulating claims management companies.’ The move to regulate claims management firms follows a National Audit Office report into financial mis-selling redress, which discovered claims management firms made between £3.5 billion and £5 billion from the total £22 billion paid out to victims of payment protection insurance mis-selling. City Wire High quality global journalism requires investment. Please share this article with others using the link below, do not cut & paste the article. See our Ts&Cs and Copyright Policy for more detail. Email [email protected] to buy additional rights. http://www.ft.com/cms/s/0/1cadccd4-eb8f-11e5-bb79-2303682345c8.html#ixzz439YM4YFJ The prominence of CMCs has risen in recent years with scandals such as payment protection insurance, where banks have provisioned a total of £30bn for compensation, making it the UK’s costliest instance of mis-selling. CMCs are estimated to have received as much as £5bn of the overall £22.2bn paid out by banks in PPI compensation between 2011 and 2015, according to a recent report by the National Audit Office. Financial Times

I am asking on behalf of a friend. He has got a NTD for parking on double yellow lines of a road. The road is public accessible so I would assume it is a public highway. He happened to see the employee putting tickets on all cars up the road and apparently he even said it is a public road and he shouldn't park there. He has also got a letter from the council to say he is allowed to park there. It's a new build estate, and as of today, Google street view doesn't show the road. The company on the ticket is "UK Parking Management Ltd" and is defiantly not a council issued ticket. I would assume it is not a private road as I have been there myself, and it is not sign posted anywhere, other than the double yellow lines. I am awaiting images from my friend who is sending me a copy of the ticket, and the letter he received from the council about parking there. I have advised them not to pay anything, and not to contact the company until the NTK arrives in the post. I would like to know peoples initial thoughts on this. Thanks

A Double Yellow Line Traffic Management Order has been recently implemented outside of our house. We live on a corner at the end of a side turning. The order states that the original lines should be extended by 15 metres both sides of the road and go around into the 'main' road and be 10 metres along each side. The lines that have been laid are of incorrect lengths in all four sections. We have informed the Council Highways dept. and the CEO, and we are kept being told that they are correct. The TMO was changed from a previous one and it appears that they have laid the lines to the previous order by mistake but they will not admit this. Could somebody please advise us where to go next as nobody is listening to us? Any idea's will be most welcome. Cheers John

received nothing from Capital one for 4years except two letters stating balance, received letter today dated 14th October 2015 stating that on 23rd September 2015 account was sold to Cabot Management and within 30days of 23rd September they would start reporting on my credit file which doesn't leave me much time to try and rectify, I am trying to rebuild my credit file after years of financial problems which included my wife going bankrupt in 2013 and she has not been able to get a job since. I have other defaults on my account which are due to disappear within the next month or so, I do not want another default registered as this will hamper my chances of getting a mortgage or moving we lost our last house and are renting at the moment but have to leave early next year. I have two credit cards which I have been paying back on time and settling each month to rebuild my credit file, I understand from reading forums that the balance would have been sold for a stupid amount, should I offer a settlement figure on the understanding that they mark credit final as settled without a default or what should I do?

Hi all. I am desperate for help to see if there is any way I can cancel a 12 month contract before the 1st payment is due this december. I stupidly signed a contract for my 7 year old son who wanted to continue his karate classes having just been awarded his infant black belt. He has been a member since December 2013 and attended this local club weekly till 24th june this year where he earned his final belt. The teacher asked him if he wanted to continue into junior classes as he received his belt and he said yes in his excitement. I had 10 mins to fill in paperwork before the next class started and so I stupidly did not read the terms and conditions before signing. Worse yet, I filled in my details and signed before the minimum terms were filled in. My 7 year old subsequently changed his mind. I tried to cancel the contract a couple of weeks later, assuming it would be fine as he wasn't due to start till September when the first payment was due. Ashbourne told me they couldn't do anything without the teachers support. During the summer the teacher called Ashbourne to offer her support for my cause and she then told me she could do no more as it was up to them. Suffice to say they are not interested and they expect 12 payments of the £69. I wrote to them pleading for goodwill, and they have suspended payments till December 1st. At least the constant letters demanding arrears for payments that werent even due this summer have stopped for now..... If they won't offer goodwill, is there anything I can do? Im very worried I have no choice but to pay £828 for a karate class my son wont attend. Please help....

Good morning. Unfortunately, on 03/10/2015 i was issued a Parking Charge Notice by Parking Control Management (UK) Limited for the sum of £60.00 whilst I was parked on a private car park. I had appealed on the grounds that the signs had been vandalised which of course was rejected by PCM and decided to follow it through with another appeal to The Independent Appeals Service and also this was dismissed. I have left it whilst seeking advice but PCM have now referred it over to Debt Recovery Plus Limited who are chasing me for the amount of £160.00 I'm not the best when it comes to this sort of stuff, and hope someone would be able to advise me further about the whole situation and where I stand. I have linked in an album as there are too many images to display on here of my PCN, Evidence and also the appeal that i submitted to TheIAS which can be viewed here: http://imgur.com/a/Eld1V Any help would be greatly appreciated as I do not want to pay these people a penny as they do not deserve it.

I've recently received the attached PCN from New Generation Parking Management, relating to time my vehicle spent in a private car park, Waterfront 2000, CF10. The letter I've received asks for £100, reduced to £60 if paid within 7 days - and gives the reason for the charge as being "on roadway". I have blanked out the photos, but they were clearly taken by somebody with a handheld camera. I have also attached a photo of one of the signs, although it would be reasonable to assume that the roadside where the vehicle was parked was before you had actually entered the 'car park'. The company I work for has allocated parking bays in this car park, but the vehicle was not in one of them on this day. It's possible to park just around the corner on 'pay and display' side of the road spaces for around £5 per day. I'm not sure who actually owns the car park - is there an easy way to find this out? Normally, I would have just ignored this letter but having had a quick search it seems that this is no longer the standard advice. Are you able, please, to advise on how best to respond to this company (or if I should indeed just ignore their threat?). Many thanks in advance,

Hello, Back in October 2015 I was visiting a friend who lives in an apartment complex in Cardiff bay area. Usually concierge there will let you in and inform you of where to park however when I turned up no one there to instruct so friend buzzed me through the barrier. All the visitor parking spaces were full and no where around building to park as double yellows on main roads. There was however an un marked part of the road within the complex which had no obvious signs, no obstruction and no yellow lines, so my friend told me it would be fine to park here until a visitor space became available (all residents have permit spaces that come with the flat for free). When I came back to the car it was stamped with a parking charge notice on the windscreen. They have charged me 60 pounds rising to 100 if not paid within the certain time period. I wrote a letter disputing the charge explaining that there was no concierge present, no visitor parking and no obstruction caused by my car and that the cost does not reflect any loss of business or money spent on their terms. I have today received a reply from them telling me they have rejected by appeal (no surprises there). I would ignore this - considering all the advice given in previous threads but in their letter they wrote this paragraph which unnerves me a little: "In the supreme court on November 4th 2015 it was agreed that BPA are legal, reasonable and fully enforceable. They do not fall under genuine pre estimate of loss as they are designed to deter unauthorised parking. Therefore this charge is not only valid but also fully enforceable in the highest court in the UK. More information can be found at supremecourt.uk" The letter then gives me two options of either settling the charge at the reduced rate or appealing to POPLA but then paying 100 if that gets rejected. I know this may all be scare mongering but when I looked up a case on supremecourt for 4th Nov 15 I did see that an appeal did get rejected. Sorry for the long post- just handy to give all details. Any advice??

Can you help me? I have just received a second letter from the above private firm for apparently parking in a "permit holders only" section of a free car park (I went into a bank for 10 mins). I read a few blogs on this site and decided to write back to them. I haven't admitted to being the driver, only the registered keeper of the car and told them they had no right to enforce this penalty. However, they've just written back telling me that the law changed in Oct 2012 and the registered keeper may be held liable for this PCN. My only possible appeal is that the restriction was obviously not marked clearly, because I would never have parked there! Do you think there is any way I can get around this fine, or should I just pay it? Many thanks

sorry double post.

Now I'm somewhat confused here. I've just received a letter through my door from a company calling themselves Utility Management Services, stating that intend to apply to court for a warrant of execution to change the meter from contract to prepay due to an outstanding amount, I'm with EDF energy and I set this up when I moved into the property, are they allowed to turn up with a warrant of entry or not? there is no email address on the form only a registered office address, what would my legal stance be if they do turn up with a locksmith to gain entry and start removing the meter?

Hi, I'm new to this so please bear with me! I own an apartment with my husband within a 100+ apartment building. We are managed by Rendall and Rittner and I am having nothing but problems with them. First of all we are charged an obscene amount of money by them and do not see any changes in the building. My first issue with them is their lack of communication, I have made several email and verbal complaints and they do not reply for weeks or just fob me off. My building in total pay £7,200 a year to have the windows cleaned twice!! The window cleaners need to rent a cherry picker as we don't have suitable things attached to the building for them to use but £7,200 is a hell of a lot of money! The first window clean I had this year in March was awful so I sent pictures to R&R and I was told they would contact the window cleaner again to redo them. They have have still not been redone and R&R will not respond to me about it. I'm not happy that I'm Still paying full price for a service that wasn't done properly. Second issue is that in the buildings lease contact it states no animals are allowed, yet there are many apartments with animals and unfortunately some owners allow their dogs to deficate in the communal corridors, lifts and entrance doors and do not clean up after them - this is left for the cleaners to do which they are not responsible for as the building should have animals in. I have complained about this to R&R and have been asked to give them apartment numbers for people with dogs!!! Why should I do this? We have CCTV through the buildings and they have said they don't have the time to look through the footage to find where the owners live! My thoughts are that the CCTV doesn't work!! Any advice on this will be greatly appreciated as I have had enough! We have one meeting a year with R&R but nothing ever comes from it. We don't receive any letters letting us know what they are doing with our money and you see no changes around the building. The building manager is meant to come out one day a week to look around and check things but he hasn't been here for months. Thanks in advance!

Hi, I received a parking ticket on the 3rd March 2015, I was parked in our designated flats bay behind another car, whilst moving in to the new flat. I received a ticket having parked there for 10 mins whilst unloading the car. The car park is private, behind gates and is free. I had not wanted to park in another persons bay so parked behind my boyfriends car to not cause obstruction or inconvinence to others. The ticket I received was for £100 - for a private, free car park!? I appealed this ticket and explained we had been moving in. The response from Ethics parking management was I should have contacted the company and informed them I had been unloading. It is now to late to continue an appeal via POPLAR and I have no had a letter from Debt Recovery Plus titled Demand for payment for £160. The letter also states the wrong postcode and location of where I was parked, if I were in this location I would have been parked in roadway. Does anybody have any advise as to whether I should pay this? I have read other forums and many have been reduced. Could this scenario be used as excessive payments as it is a free car park . I currently haven't admitted liability. I am getting quite concerned if the letters were to continue but £160 is a huge amount of money. Any pointers would be much appreciated Thanks

Hi All . Had a letter a few weeks ago about a debt that is over 6 years old since last payment from Fidelite Credit Management and they actually called on me today and did not even ring bell as i was home all day , i know they used to be scott call , i can just tell them nothing is that correct ?? Thanks for all replies and help i have had in past from this great group Vauxman

Hello. I have read a few threads and newbie stickies but i want to ask personal advice before making any contact with the company. I received my letter on 02/06/15 regarding parking on 27/05/15. The car park in question is for the red dragon centre in cardiff. This centre has a cinema, bowling and many restaurants internally and a few standalone buildings in a secondary surrounding car park. The main building has a security barrier for it's main car park and the restaurants have a secondary car park which does not have any security access or pay and display, however when entering, MOST of them ask for your reg plate for their parking system. I visited one of these restaurants and parked in the secondary car park, and was not asked for my reg plate. I have now received this letter stating that the parking notice was 'Reason - Not Registered on site' I returned today to check out the signage in place and the private land parking sign specifies all restaurants except the one i visited may use the car park and register the plate on site. This means that my restaurant must use the main car park with the security barrier and ticket method (it also has a tiny car park of about 6 spaces at it's rear which was full) So my questions are, am i at fault? can and how should i appeal? i dont really feel that i should be charged for parking here when i used the centre's own facilities, and it's not even pay and display. any advice would be great. i'll post a picture of the car park detailing what i have talked about here Thanks

Letter sent to Apex (egg loan) requesting CCA. Let's see what they send back! Apex (Egg) - £2527

I'm having EXACTLY the same issues with Homeground Management Ltd and JB Leitch solicitors. They have been harassing and bullying me for over a year now. I purchased an apartment built by [removed] in 2007. Ground rent was paid directly to the builder initially. Then (surprise, surprise) the builder went bankrupt and phoenixes the same day as a new company (Elan Homes) collecting the ground rents. My cheque had crossed in the post and been cashed by the old (bankrupt) company. Elan Homes chased me, I explained what had happened yet [removed] continuously failed to update their records. Each year I paid the ground rent and wrote on the back of the cheque the dates I was paying for. Then, Homeground Management Ltd bought the freehold. They were also passed the (wrong) details of my debt so yet again it was carried forward... Yawn. In addition to that error which I've tried to address with Homeground and [removed] I also failed to receive a demand/invoice for 2013 and 2014 I noticed this in January 2014 and wrote to home ground by post and email. The email received an automated reply saying I'd get a response in 3-5 working days... I'm still waiting! LOL When JB Leitch got involved in March with aggressive letters and ridiculous charges for late payment I explained the situation. [removed] said she'd address with her client but it wasn't until June that I received paperwork. The payment was promptly sent upon receipt. My understanding after taking legal advice is this: Ground Rent is only payable if you receive a valid demand as per S166 of CALRA 2002 if you dont receive it then THE GROUND RENT IS NOT DUE AND NEITHER IS ANY ASSOCIATED LATE CHARGE. (Look it up [removed], I can see you only qualified in August 2013 so perhaps you've not learnt that yet...) The fact that I chased by post and email (and have email server automated replies asking for 3-5 days for a reply) seem to be suffice in the eyes of the law and any county court claim issued that I didn't receive the demands. Homeground Management and [removed] have yet to give a meaningful reply to any correspondence. So far in 18 months I've had one reply simply saying they are not setup for telephone calls and can I send my 12 digit account reference so they he can look into "my arrears". (I did, numerous times over the space of 18 months and heard nothing back). Despite my appeal for common sense in November to JB Leitch it wasn't until the end of January that I was furnished with a reply, STILL wanting £280 of legal costs! I explained I was away working yet within a week JB Leitch was harassing me for a response. Shame they can't be as timely when I write to them! I will of course keep this forum updated with my news, and I hope I've included enough keywords to help other people with similar issues find this forum. Best regards, Chris PS: It tickled me that on [removed] Linkedin profile apparently his current role at Homeground Management Ltd includes " • Respond promptly to customer inquiries. and • Effectively pass customer complaints to complaints handler." PPS: It also made me smile that on [removed] profile page on JB Leitch's website, her quote is from Henry Ford "Whether you think you can or think you can’t, you’re right." Apparently NOT in this case,. Do look up S166 of CALRA 2002; Google is your friend [removed] .

Hi I am not sure if this is the right place for this query. However I have a question i hope someone can help me with. My house is subject to HLM Property management, they are responsible for the maintenance of the estate and I get a bill each year as a service charge. I had cash flow problems so was late paying the £152 fee, this was due on the 1st of January, but I received the letter, apologizing for the delay in issuing the charge, dated 16th February. I was informed that the balance owing was over £290, the extra £140 odd pounds is an administration fee. I was gobsmacked but I have sent a mail to them regarding that and have paid the £152.31 I owed pending the outcome of what will happen with the extra administration fee. I paid the £152.13 today , 20/04/2015. Now if 28 days are allowed from receipt of the letter, which at the earliest would be 17th, then I am 27 days late in paying. 28 days late if 28 days from the date of the letter. Can an administration charge of this amount really be justifiable? I have put my case to them but I am banking on them being unsympathetic but I do feel an administration charge that almost doubles the original fee is somewhat disproportionate and would appreciate some advise as to what I can do in this situation. Many thanks in advance. DJC.

I'm the freeholder of a house that's managed by Consort PM management company. They have recently sent a letter stating they will add unspecified admin charges and solicitor fees to our account for every letter they send regarding contravention of the covenants. Assuming this happens unchallenged but I refuse to pay it, I would not be able to remortgage my property because they have a charge on the land registry and I know from my neighbour's experience you can't get their approval for a remortgage unless you clear your account. This seems an underhanded tactic to get people to remove satellite dishes (which they haven't done anything about for the 12 years the estate has existed) and anything else they deem a contravention. Anyone with legal experience know if this is enforceable and how to ensure minimal inconvenience from anything that pertains to what they have threatened to do in their letter?

I needed to deliver some goods to a shop. The person who owns the franchise said I could park in the private car park behind. I was given a ticket. The person contacted her landlord's agent who suggested an appeal. My memory from some years back from CAG was to ignore the ticket (which was successful) as a speculative invoice I see some advice on here has changed. My car was not blocking anyone else in the car park or stopping anyone from going in to it. What is the current best advice please?

Hi All, I co-own a property with my ex. I moved out due to separation in 2013 and at the moment until finances are straight, the mortgage is in both of our names. As the property is a new build, the water pipes and network is owned and managed by a private firm known as Blue Property Management. This is a private company to whom we have to pay yearly charges to to look after it and maintain etc etc. There are arrears on the bill when I contacted them last year after much deliberation from them they reluctantly decided to accept £10 per month from me in order to bring the balance down. Ever since this agreement was reached, I have been paying this amount on a monthly basis. It has only been a few months however. Today I have received an email from them advising that should I not pay the balance before the end of March they will take legal action and issue proceedings against me without further notice. Unfortunately, my ex is not in a position to help financially. They have also added charges on for arrears, an £87 pound charge for a reminder which wasn't received and not necessary and have now passed this through to their legal department. I obviously don't want any legal action to be taken against me and I don't know what to do or what to say to them. Can anybody provide me with any advice as to the unreasonableness of the company? Many thanks

Warning! Do not use these companies: AK Management (UK) Ltd and their other connected company, Money Essentials!!! This company contacted me saying that I had been accepted for a loan from one of their 'in house lenders', which does not exsist, all they do is e-mail you lists of loan providers and other brokers, which you can find off the internet yourself. However, today they took £89.00 from my account without my permission, for their loan broking service! I contacted my branch, who agreed that their service is appalling, but cannot claim the money back. However, they are looking into this companies service. What I need to know is how I can get this money back quickly? They are refusing to refund the money.