Hi Guys While this is old news, I haven't seen anything which suggests we might have been aware of this; Seems MMF Owns more than themselves

God I love this site, helped me out a lot in the past. I was on Jury Service - their car park was full so I parked opposite in a huge practically empty carpark midweek (pub & 1/2 dozen shops) put my disabled badge up and was gone for several hours. Got out of the car at 9.35 (cos I looked at my watch) and got a ticket at 09.43! The reason stated for fine is 'Left Site Not in Premises' pay £60 within 14 days or £100. By reading these messages it seems the advice is to ignore it. ....I was so tempted to pay it to get it out of the way but I can't really afford it - should I write to them and appeal it says 'all cases will be considered on their individual merits' . .. Any advice would be good as I don't want to end up with a £100 fine.

My wife parked a vehicle registered in my name in a private car park serving 6 shops including Dunhelm, she visited Dunhelm for a short while, approximately 20 minutes or so whilst the staff tried to sort out an order she had placed for collection. The goods had apparently not been received at the store and she left. Her car had been pushed sideways into another vehicle and there was a note on the front of the other vehicle saying she had witnessed the incident. Considering that the car park is flat and the hand brake was on and the car was no longer pointing in a straight direction but at an angle of about 40 degrees and there was paint damage and a small dent to the rear passenger panel behind the rear wheel on my wife's car it was fairly obvious that her car had been hit and pushed into the other car. My wife was extremely upset and tried to find the owner of the other car into which her car had been pushed. She returned to Dunhelm and staff there gave her a cup of tea whilst the other car owner was looked for. My wife eventually phoned me and I drove 12 miles from our house to the shop. I took photographs and also phoned the police who would not attend as no one was hurt and it was on private property. I phoned our insurance company who took statements over the phone and we also gave them the name of the witness who had also left her phone number. As my wife was extremely upset and was concerned that the driver of the car that her vehicle had been pushed into should be told what had happened I told her to take my car and I would wait for the other driver to return. This took quite some time. I, as the registered owner, have today received a charge notice from Total Parking Solutions. Do I have to pay this. The incident occurred about two weeks ago. To make matters worse the insurance company phoned the witness who stated that she saw my wife's car roll into the other car. As noted before it would have been impossible for the car to have rolled a total of 14 feet gathering momentum and also swinging to the left at an angle of 40 degrees causing damage to the front of the other car at an area beyond where the two cars were touching.

Received an email from a friend earlier detailing another success against a PPC at appeal - this time with the IAS rather than POPLA The young lady in question parked in a residential car park managed by Sussex Security Solutions trading as Parking Enforcement. Received a ticket for £100 (reduced to £60 blah blah blah) for a 'breach of terms and conditions meaning that a contractual fee was now due' (parked in a contractor bay due to building work temporarily removing all of the legitimate spaces). Appealed to the PPC at an early stage and (unsurprisingly) this was rejected - rejection letter was mumbo jumbo and insisted that the contractual amount was payable, no GPEOL was required as the PPC was managing the car park in line with their contract with the landowner, which was a service at no cost to the landowner and that the contractual payment contributed to the costs of managing the business and running the parking service. Two types of signs in the car park - one by where the vehicle was parked stated 'Contractors Only' but had no warning of any payment being claimed in the event of a breach, and others elsewhere did notify of a contractual payment being due in the event of a breach. Incredibly the signs also claimed AOS as a BPA Approved Operator despite them having ditched the BPA in favour of IPC several months ago! The driver received the IAS code for independent appeal along with the initial rejection so put forward a case based on 1. Inadequate signage - PPC had claimed a contractual payment but stated a breach on the ticket. Insufficient detail on teh contractor bay sign to form a contract and even the ones elsewhere (which had not been seen due to the font size and height) were insufficiently detailed to form a binding contract. 2. PPC had claimed that no GPEOL was required, but the appellant held that GPEOL was crucial in this case as a payment on a breach must be deemed a penalty in the absence of GPEOL as this was the basis of the ticket wording and the signage. 3. The PPC had not provided more than vague details of the contract with the landowner and the appellant was unable to adequately assess whether the PPC had lawful authority to issue tickets in their own name or to enforce those tickets. 4. The PPC was falsely and misleadingly claiming membership of a trade body (the BPA) IAS considered the case and responded within just three days that the appeal was upheld and the ticket would be cancelled. The grounds were that on the first point - the inadequate signage was insufficient to bind the appellant to a contractual obligation - as the signs stating a 'contractual payment' would become due only said that a payment 'MAY' be payable, this was insufficient and therefore the appeal must succeed. Annoyingly for the appellant the adjudicator stated that there was no need to rule on the other grounds as the first was successful in itself, but nevertheless the win was sufficient. No doubt Parking Enforcement will be replacing the signs as quickly as possible, however the appellant has already notified Trading Standards of the misleading claim of BPA membership on the signs and is asking questions of the local authority as to whether the property is subject to business rates - after all, by their own admission, the PPC is given a free hand to run their business independently of the landowner and is charging amounts in excess of any GPEOL and is therefore presumably generating some amount of profit in the process!

Hi there folks. Looking for abit of advice please. My overdraft with lloyds has become abit out of hand. We became homeless just before christmas and i was able to get an over draft for £3650 which helped us find a house to rent, pay the fees and give the kids a nice christmas. (plus pay a few small debts left over from the previous address) The monthly charges and interest are currently around £50 a month. Im ok paying this amount but want to start paying off the overdraft. Im wondering if there is any way to transfer the money to a different account with less charges than £50 a month as at that rate, it wont get it paid off anytime soon. (and my credit score is not very good) They have rejected my proposal to change it into a loan so i can pay it off sooner. Im really worried that there just going to cancel the overdraft. I have no way of paying it all off at once but can most likely pay upto £70 a month to get the debt cleared. I don't want to loose my account and want to pay the debt off the easiest and cheapest way i can. Does anyone have any advice on where to turn? Many thanks in advance, Amy.

Hello Everyone, I got a call out of the blues from Credit solutions claiming HMRC passed on my debt to them. I quickly rang HMRC and they confirmed the information.HMRC claimed they sent letters to my previous address and that must have been the reason I didn't receive the letters about the debt. I finally agreed to a repayment agreement with them(HMRC) and they have since taken the first payment from my account,whilst the next one is due anytime soon. Recently,I got a barrage of text from CSL asking me to ring a certain James,and when I did I was told it was regarding the same debt and I told them straightaway that I have made an arrangement already with HMRC and that I have started paying off the debt.CSL then ask me to furnish them with the details of the repayment plan to which I declined and I asked them to speak to HMRC if they need such information since they originally got my details from HMRC.But they have refused to do that instead bombarding me with threatening letters . Please am I obliged to tell them the details of the repayment plan as I dont think I should do that as I do not understand why they cant confirm that with HMRC?What should I do?

Hi guys, My partner had a motorbike with Close motor finance, has sold his bike now and with agreement with Close is paying the rest via instalments. He has paid a large sum off, and only has a small amount which is being made via monthly payments. We received a surprise letter today in the post from Creditlink Account Recovery Solutions, however we have had no mention of this from Close etc. And judging by the way the letter is written, I call a load of BS. But i'd like to get a second opinion on it. The letter says - - ___________________________________________________________________________________ CONFIRMED RESIDENT Dear Sir/Madam, Having conducted preliminary searches our tracing division have confirmed your residency at the above address. Therefore we are left with the only possible conclusion in that you are choosing to ignore our clients repeated requests for payment. To avoid any further action being taken against you, please contact us to arrange settlement of the above balance within 10 days from the post date. We want to assist you in bringing this matter to conclusion, so please contact us on 0844 8800 880 to discuss the option available to you. Do not simply ignore this letter, as further action will be taken. Yours Sincerely, Nathan OReilly Recovery Specialist ____________________________________________________________________________________ Now as you wonderful people have taught me, I will NOT be contacting them at all, agreed? Thanks in advance for your help

Hi guys, This seems a very good forum that has sparked more interest than I thought possible on the topic of parking charge notices! (That I now know not to refer to as fines) So, onto the chase: At 21:01 on Friday 3rd January I received a PCN from London Parking Solutions for having no valid permit on display. I was parked, in which I now am told is the staff section of the Odeon Cinema I was visiting. My friend works in the cinema, and told me "You can park in the car park, it is free after 19:30". Unbeknownst to me, there are the two sections of the car park, the customer one of which is actually behind the building, out of sight and with no signage to at the cinema to indicate those not familiar with the area where it is. Naturally, the small staff car park only had two A3 notices stipulating that it is the staff car park, were/are not lit, and are over 3 metres off the ground on walls. Neither are within a line of site of where I parked the vehicle. I parked at this car park, unaware of its status at just after 20:00. I have spoken with my friend (the employee at the cinema) and one of the manager's at it, and she said that 'They can get the fine reduced, but not removed'. Which by reading of the comments on this forum seems a bunch of baloney, so we shall be speaking with one of the more senior managers tomorrow. In the interim, I would like to know my rights/start typing up an appeal, as on the balance of: 1) The time of night and the space occupied not being required by a member of staff 2) If it was needed, he/she could (being familiar with the area of course) use the free parking at the other section of the carpark 3) The lack of signage, and lack of visibility of existing signage at that time of night 4) The cinema incurred no loss, but a financial gain from my presence at it 5) No existing signage indicating how to enter/indicate the existence of the other section of the car park, as the exit is adjacent to the staff one I parked at, and simply labelled with 'No Entry' signs. I was originally going to submit and pay this fine of £100 (reduced to £60 within 14 days), as is my nature, but reading various blogs and forums such as this has made me aware of just the way these companies operate. Indeed, on the notice it has a grammar/omission error which leaves me uncertain to its BPA status - "is a member of the British Parking Association and a registered ***missing word?*** in England and Wales no. 0641401", which indicates to me the flimsiness with which they operate. Therefore, in addition to feeling aggrieved over the lack of signage, I want to fight this PCN and company as part of the ongoing fight against unfairly awarded PCNs. Any advice would be warmly welcomed, though am at the end of the day hoping the senior manager will be able to handle it! Just like to have bases covered. Happy new years!

Hi, EOS solutions have been writing to me regarding a debt they say I owe for a Witt catalogue from 2008. From the statements they have sent me the last movement on the account was June 2008 when they sold the debt. I asked for a copy of the CCA and received this back Is this enforceable?

The people on this site are so helpful. a friend of mine (builder) was told by the porter of a bloc of flats he could unload in a parking space in order to do a job there. he then got a demand for a fine through the post from London Parking Solutions. This was a year ago, and several emails have been sent back and forth between the two. London Parking Solutions did not respond to his last email, and now he has received a demand for £240 from Gladstones Solicitors. The fine is imposed for an area that he was not even parked on, but London Parking Solutions are saying that is irrelevant since they cover the part he was parked on anyway. Any advice would be greatly appreciated, as it seems very slippery to me.

Last week I had an odd text from a company called CSL asking me to call them. I didn't. and on Saturday I received a letter from them saying that they were collecting a tax credit overpayment for HMRC. I do have a tax credit overpayment, for which I have a direct debit in place, and on which I have not defaulted. In fact I have paid a further £160 off the amount CSL is demanding. A call to HMRC confirmed that I have an up to date payment plan, and they have no record of my account being passed to CSL. I have written to CSL and HMRC said they will do the same. In the meantime I am receiving texts from CSL asking me to call them. I was pretty shocked that despite sorting out my payments I am being hassled in this way. HMRC say they are happy for me to keep paying them, so why are CSL involved? Confused, and not very happy.

Hi all. Had a debt letter from Wescot today claiming £931.00 On behalf of Anglian Water. The bill had both my name and ex wifes name on it. I have no idea why they are contacting me so I called them. Apparently the bill is for an address that my ex lives at and dates back to 2005. He also mentioned something about closure in 2008? My ex still lives at this address so why the hell are they contacting me! I was with my ex in 2005 and I can only asume that it is from a previous property but she dealt with all the bills. What can i do about this? please help Chris

Hi Guys Below is a email.... Lemon debt? This email was just received by a colleague of mine...

Hi guys This isn't for me but ive amended the document to remove all personal info. What do you guys think? Is it a phishing trip / empty threat or do you believe something will happen? I'm trying to help someone out with this and I'm not sure what to make if it is legit or not.

Hi everyone, can you tell me where to begin with my problem. I took out a bank loan about a year ago with Barclays for £15k. I started off well, paying on time. Then my relationship with my partner ended and I was left to deal with the debt alone (it was only in my name). I have since had many problems tackling my debts left behind, including bailiffs and threat of eviction. Today I received the following letter from CSL Dear ..... IMPORTANT NOTICE Our client has informed us that the above debt is unpaid. As specialist DEBT COLLECTORS, we have now been asked to recover the outstanding balance. Failure to pay this amount IMMEDIATELY may result in one or more of the following:- 1. DOORSTEP VISIT - Your account may be referred to Power2Contact, to visit your address to discuss your circumstances and agree a suitable repayment plan. 2. DEBT SALE - Should this action be necessary "Barclays" will no longer deal with your account and the new debt owner will be responsible for any action taken to recover the debt. To avoid any of the above action you need to pay the above outstanding balance by return or alternatively you must telephone us to discuss arrangements for repayment. Failure to make payment or contact us to make arrangements will lead to further action. Please call us on 0208 763 4514 within 48 hours. Could you please advise what steps I should take. The most I can afford at present is £40.00 per month. Thanks

Following on from my CIFAS SAR balls-up here: http://www.consumeractiongroup.co.uk/forum/showthread.php?391735-CIFAS-query-wrong-name Synectics have followed suit in a way. I sent my SAR and they sent back a cover letter which said 'the records we hold are enclosed' but nothing was enclosed. I phoned up to ask, and they phoned me back and said 'its ok, we found them in a drawer'. Surely this isn't OK? I'm going to complain because the idea of data held about me by a company I've only heard of in the last month (and data with contents that I am completely unaware of) sat in someone's drawer rather than being in my recorded envelope really p****s me off! I'm getting properly fed up with shady companies messing round with my information! I'm sick to death of being lied to by employees that either don't know better or are brainwashed into believing they're acting in the best interests of the business world!

Please see the attached letters from Civil Recovery Solutions. I have denied damaging either the kettle or mirror during our stay. I'm yet to reply to their second letter. Please could you offer some advice. The fact that they are saying a cleaner can sign a "statement of truth" and that would stand up in court doesn't seem right, but I'm no legal expert. Can I make them provide evidence of damage and subsequent repairs? I'm confident neither will exist. Thanks for your help. I hope the pictures are not too blured. Will reupload later if they are. Letter 1 http://s4.postimg.org/47gl21trx/letter1.jpg Letter 2 http://s21.postimg.org/gjd713n2v/letter2.jpg

Hello, Wall rendering solutions, previously called render exterior wall coatings (in 2011) did the rendering in my house (Nov 2011)which went wrong - render started flaking, missing around pipes and other places. This happened within 2 weeks after finishing job. Also as the wrong window protection was put on the windows, the crew left a sticky glue on the windows and damages marble window sills. All was reported to the director of the company , He promised to correct it. After many promises he never came and resolved the issues. In Feb this year all letters sent to the company started to coming back to me. I called MD and asked for the new address - he again said to me the one that was not occupied by him. Then I found in Google that MD changed the name of the company and more that he does it EVERY/ EVERY SECOND or TWICE A YEAR. I was shocked what I found. In the meantime I contacted trading standards, went to cab and found out that the only way is to take him to the court... Until now he has not sorted the problems, all stays on promises. He offers 25 years of warrenty that is uselless so be carefull, my advice. Before you choose the company check the history - this is what I learned from this bad experience, from the company that now says that is no 1 in the uk!!!...

Engaged solutions apparently bought pound access loan book but, They have only a licence for credit brokerage, so i am pretty sure even if they have the loan book , the debts are still under pound access, and as they are only a broker they don't have the correct category for debt collecting, if i am wrong please tell me, will ring oft tomorrow to confirm. Licence Number:0651832 Licence Status:Current Current Applicant / Licensee: Business Name Company Registration Number Engaged Solutions Limited 08047869 Categories: Credit brokerage ht To Canvass Off Trade Premises:No

evening all, right i've been a very stupid girl as i have buried my head in the sand regarding paying my water bill. I have tried setting up payment plans in the past with united utilities and they have always demanded payments that i could not afford and i have been bullied into agreeing to them, and i have made a few payments then struggled to pay so i eventually gave up and thought if i stopped paying then it would just go away. (stupid i know). So a few days ago i recieved a letter from chase solutions demanding payment for £1245.86 then 2 days later i recieved a letter from united utilities telling me that my water bill has been produced and the new total is £1755.76. today i have come home and found a hand delivered letter on my door mat from chase solutions stating that a field agent called to collect balance in full, it states the mans name, agent id and his telephone number. which one do i contact to pay, and as its classed as a priority debt, how can i get them to accept an amount that i can afford? im going to send a letter to chase revoking the right to contact me in anything other that writing, but i really need some advice before im bullied into paying more than i can afford again. Many thanks, Danielle.x

Hi guys, My boyfriend has received a letter in the post today, and it just seems like a complete [problem] to me, but I want to make sure! It says it's regarding Telefonica O2 UK Ltd. The letter is from - Credit Solutions Limited Capella Court, Brighton Road, Purley, Surrey CR8 2PG The letter reads - - Dear Mr _______ Our recent investigations have resulted in your details being obtained from a credit referencing agency due to a link with data we hold regarding the account shown above. To verify you are responsible for the account shown above, or if you believe that this is not the case, please contact us urgently on 0208 763 4569. If we do not recieve a response to this letter within 7 days, we will assume you are responsible and debt proceedings will commence. PLEASE GIVE THIS LETTER YOUR URGENT ATTENTION Yours Sincerely, John White For Credit Solutions Limited Under their address (as given above) there is an 0800 number, yet in the letter there is an 0208 number?? Also it gives a website to pay online at paythisaccount.com Is this a fake letter ?! Thankyou

http://www.dailyecho.co.uk/news/10324982.Parking_firm_struck_off_by_trade_body/?ref=la

Total Digital Solutions Limited were the subject of Administration and RSM Tenon Recovery were appointed joint Administrators on 1st August 2012. An immediate disposal of TDS was the business and assets was done by sale to Apogee Corporation Limited on the same day. TDS appear to have used Shire leasing for customer agreements. TDS core business was described as supply of latest technology,document,printy,copy,scan,and management services,and traded from premises in North West. I have been made aware that there are some business owners who are now questioning the validity of the contracts they entered into with TDS. I have seen evidence which shows that TDS mis sold an agreement,and when challenged,agreed to take over the remaining liability and continue the payments to Shire. For almost a year the business concerned made no payments and assumed that TDC as indicated in writing was paying. The dispute around the legitimacy of the agreement involved a number of things. 1.That the Customer was led to believe that the contract was only for 12 months which turned out to be 5 years. 2.That the customer was then offered a telecoms marketing package which comprised of bluetooth technology being provided outside his premises. Although a printer/copier was listed on the agreement,no printer was provided.When questioned about this the response was unacceptable. No mention of the bluetooth or associated services was made on the agreement 3.TDS applied a personal guarantee on the agreement,which the business man assures me he did not agree to or know about. The Business is now recieving telephone demands for arrears on 2 accounts from Shire. Shire have been informed of the situation,and in fact an email exists from when the arrangement was made by TDS to take over the account liability. When asked to provide these demands in writing,Shire said they had no need to do so and would be taking proceedings if he did not pay. Shire themselves are no strangers to controversy,and an internet search reveals that they were a party to previous regulatory investigations. Shire are holders of a number of Consumer Credit licences. If anyone has been affected by the TDS Administration and sale,please post details in this thread.

just had a call from Global Business Solutions, asking for ms xxxxxxxx (me) before they even got into the blah blah I asked why they were ringing me and who had given them my number, this seemed to fluster the caller and she rang off......went online and typed in the number and GBS and theyre debt management ...wonders how they got my mobile number.

I sent a copy of your template letter to Credit Solutions Re doorstep visit. This is the paragraph I received back . Please note that you are not correct in your assertion that,under OFT rules, we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked, and we are giving you reasonable notice of the timing of the intended visit. In Law, a creditor is in a different position to a postman or a member of the public asking directions. When you opened this account, you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual righ to revoke that agreement until the loan has been paid. We will not disregard any reasonable requests you make as to the timeing or method by which we have these discussions. Unless we hear further from you with such a request, a doorstep visit may still be a viable option for us to discuss repayment of the account. The Armstrong v Sheppard (1959) case you quoted is dependant on each individual circumstance and only such order to refuse access can come from a Court and not from the individual. Your Comments would be appreciated. My husband has been ill for over a year now. So no money comming in as his business collapsed. As I am earning all the bills now fall to me to pay I have kept in constant touch with all our creditors and this is the only one who has got heavy handed. This is a Capital One Debt which I have been paying £1 a month off as agreed . They have suddenly passed it to Credit Solutions