Hi, I've received a DRP letter yesterday. This was for a visit at a Costa from two months ago so I was very surprised, and annoyed. I contacted Brittania directly (see my correspondence below) before I had found this forum. I can't understand how DRP can successfuly send me a letter while Brittania can't. Is there grounds there for ignoring them? They have sent me timestamped photos of my car with an overstay of 13 minutes. I've read many similar threads with the general advice being to ignore the debt collection and parking agencies. Given that I have contacted them via email, have I compromised my situation? I have not yet formally appealed - I think. Please find more relevant info below. I look forward to hearing your thoughts on this. Many thanks 1 Date of the infringement 01/06/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] I have never received an NTK - only a DRP letter 3 Date received As above 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] As above 5 Is there any photographic evidence of the event? Brittania have sent me timestamped photos. I exceeded the allowed parking time by 13 minutes. 6 Have you appealed? {y/n?] post up your appeal] Y To my great surprise I've received a Debt Recovery Plus ltd letter saying you have sent me a letter for a parking charge which was not answered which is completely untrue. I have never received a letter from yourselves and therefore wasn't able to contact you and appeal it. I was meeting clients at the Costa immediately next to where I had parked my car. I was with the clients for no more than 90 minutes. Is this worth noting we all were paying customers at the Costa. I find it completely unacceptable to have to pay the £160 fees for staying at a cafe for a mere 90 minutes. I was conducting my business and using the parking facilities reasonably. As such I hope this parking charge will get cancelled without me having to escalate this matter further with the owners of the Costa I frequently visit. Kind regards, Have you had a response? [Y/N?] post it up Y Thank you for your email. Please be aware that we have a record of sending correspondence relating to this Parking Charge Notice on 7th June 2018, with a subsequence letter sent on 26th June 2018 to make you aware of the outstanding contravention. Britannia Parking cannot be held responsible for postal correspondence remaining unread having arrived at the address provided to them by the DVLA. The terms and conditions of the car park detail that your information may be requested and shared with the BPA, DVLA , debt recovery agents and solicitors. The Final reminder that was sent to you also advises, “If this notice is ignored, further action may be taken including instruction of debt collection agencies, solicitors and or court proceedings, all of which will incur further costs. To avoid further unnecessary costs or actions please pay the Parking Charge within the aforementioned time period.” Britannia Parking laid clear the terms and details of our appeals process and payment to resolve this Parking Charge Notice, and cannot be held responsible for postal correspondence remaining unread. As this PCN has been passed to Debt Recovery, a separate company from our own, Britannia Parking have no further comments to add regarding this PCN and consider this matter to be out of our hands. Please refer all future correspondence to Debt Recovery. 7 Who is the parking company? Brittania 8. Where exactly [carpark name and town] Costa car park Lydiards Field Swindon SN5 8UY I've also attached the timestamped photos they have sent me. I look forward to your thoughts on this.

1 Date of the infringement 20th September 2018 2 Date on the NTK 27th September 2018 3 Date received 29th September 2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Yes 5 Is there any photographic evidence of the event? Only the ANPR Photos 6 Have you appealed? Yes, As the registered Keeper, asking for evidence of adequate signage and denying liability or contractual agreement..in essence to get a POPLA Code. Have you had a response? Yes, Appeal rejected on the basis that the notice was correctly issued and vehicle was parked in breach of terms. 7 Who is the parking company? Britania Parking 8. Where exactly Lydiards Field, Swindon Hi all, just wondering what to do next? They've given me a POPLA verification code to appeal.. Shall i appeal and on what basis? or shall i wait it out and do nothing? Regards, Jordan

1 Date of the infringement - 06 Sept 17 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 25th Sept 17 3 Date received 28th Sept 17 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No 5 Is there any photographic evidence of the event? Yes (picture of my car but can't see timestamps) 6 Have you appealed? {y/n?] post up you appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? Britannia Parking 8. Where exactly [carpark name and town] Swindon - Lydiards FieldHi, I have today received a parking charge notice (details above). 1) I did not see any signage - however, I found another thread where someone has posted the signs https://www.consumeractiongroup.co.uk/forum/showthread.php?476866-Britannia-parking-ANPR-PCN-Lydiard-Fields-Swindon&p=5065611#post5065611 I'm from out of the area and was looking for somewhere to grab a coffee and do a bit of work - saw a Costa so parked there. 2) according to the sign in the other thread its a 1 hour limit and I was there for 2hrs 19 mins - which is possible as I was in Costa and had my laptop and did a bit of work. 3) I notice the notice was 25th Sept and the offence on the 6th Sept - so 19 days (outside of the 14 days). Does this mean its unenforceable? I'm really just after some advice - yes I didn't notice the sign at the entrance and am a bit stupid I was navigating somewhere new and checking where I was going. I didn't see a sign where I parked. It's £60 if I pay in the next 14 days and £100 otherwise. Thanks in advance.

I have received a Parking Charge Notice from Britannia Parking for overstaying the maximum parking time. The car park in question is located next to a Costa, where I was in a meeting for 3 hours. The question is if I should pay the discounted charge, appeal the charge (if so, on what grounds?), or just ignore as it is a notice to keeper? The details of the notice are as follows: 1 Date of the infringement - 10/07/2017 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - 17/07/2017 3 Date received - 22/07/2017 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? - N 5 Is there any photographic evidence of the event? - Yes ANPR with date and time signature of car (cannot see driver) 6 Have you appealed? - N 7 Who is the parking company? - Britannia Parking 8. Where exactly [carpark name and town] - Lydiard Field (Costa), Swindon IMG_4145.pdf

My friend angel_1 introduced me to this forum and advised i might be able to get some help. Went to court on 25 March 2009 and Judge granted possession to the claimant adding at the end if we come into a lump sum of money or a buyer to purchase the property that would be our saving grace. The eviction date is on 24th April 2009 @ 12.30 and was hand delivered yesterday. Is there a min/max amount of notice that should be given prior to the eviction date by the baliffs as this turnaround seems pretty quick. I am in the process of typing a letter to send to the mortgage company asking for arrears to be added to capital as Norgan Law also incorporating PAP as well. Property has been on market for a couple of weeks so will add this to letter including relevant court law. What do you think? My friend has also mentioned Ell-enn for advice as she is pretty hot with cases as such. I would kindly appreciate some help please. Looking forward to your response. Thanks - survivor 13

Hi All Is there a difference between a court hearing for Possession and / or Repossession its probs a silly question and I know the answer but I ask because I have just recieved some paperwork re my court appearence on Monday 6th Dec, hence the title O M G. Mr Very Worried at the momment however I am sure that will change in the next few hrs.

New to this forum and got a bit of a long winded story so please bear with me as any help or advice you could give would be greatly appreciated. In 2012 I had £400 loan through the speed credit website and like most had issues paying it back. This in turn made me seek help through Step Change (CCCS at the time) who helped me set up a debt management plan to pay off all of my various debts to other payday lenders,credit cards and bank overdraft. The loan from speed credit has caused me many issues over the past few years and even though I was in a debt management plan the original outstanding balance of £400 quickly accelerated to £2570 at the point of last contact via Marshall Hoare. I have always made payments through step change to this debt. Last debt collection company I had contact with was Digital Financial service. Payments to DFS suddenly stopped and after a few months step change advised me that I had to contact Wilson Field regarding the outstanding balance. Wilson Field informed me that DFS had gone into liquidation and they were to collect all outstanding balances. This was all done over the phone and I have never received any paper work from Wilson Field. Payments have continued to be made via step change again. In March this year I got a letter from a company called BPO stating they had been passed my account from cash choice uk ltd who had bought the debt from the original lender MCO capital. The letter offered me the chance to clear the outstanding balance of £3100 (unsure as to why the amount owed has increased so much!) if I paid a one off payment of the original loan amount £400. According to BPO, cash choice had passed the account onto them in December 2015. I phoned Wilson Field to see if they still had my account in their control as they have still been cashing the monthly cheques sent by step change and to tell them about BPO claim that they owned the debt. According to Wilson field they are still due the payments each month until the balance is cleared but they said they don't hold any details on their systems relating to individual cases. I decided to contact the Financial Ombudsman regarding the matter. Two days ago I got a letter from BPO confirming contact from the Ombudsman and in turn they had returned my account to Cash Choice uk and all further contact should be made to them. I am at a loss as to who actually legally owns this debt. To date I have repaid nearly £650 towards the debt to the various companies who have passed it about between them. I feel I am not getting the help needed via step change so looking on hear to see if anyone is in the same or similar position. Once again any help is greatly appreciated many thanks Paul

I got divorced around 5 years ago and agreed to take over the house we both owned and move back in as it was too small for the ex wife and the children to live in. Around 4 years ago I took full custody of our 3 children but the house was only 2 bedrooms so I had to make some small alterations to split a bedroom to increase capacity. During this process I missed a mortgage payment as I was financially stretched with taking the children on full time unexpectedly. At the same time I had put in a PPI claim for £2500 with NRAM because of miss sold sickness insurance. NRAM admitted that it was miss sold but explained that as it was a joint mortgage they would only send me a cheque for half the money, I was not happy about this as this was my claim as 'I' was holding them fully accountable for the money I had paid for this insurance. It was not a claim from me and my ex wife it was a claim from me, I believed that they should pay me and if my ex wife ever decided to make a claim then that would be for her and the bank to argue but this was my claim. They refused to budge and sent a cheque for half the money owed and said that they would keep the rest or send it to the ex if she asked. At the same time they were demanding the missed payment from me so I asked them to pay themselves out of the other half of the money they owed me but again they refused so the missed payment remains. I have explained to them numerous times over the last 4 years that my money is that tight with raising my family alone that I can not afford to make any payment toward the arrears but that I was trying to decorate the house so that I could sell or be able to remortgage as at the moment there is not enough equity in the property for me to to anything with it but once I could sell or remortgage the arrears would be cleared unless they took it out of my PPI money. I paid £10 off my arreas in order for the outstanding amount to be slighty less than 1 month so that it would not be marked on my credit file. I assured them that I would never miss another payment which they were happy with and I have carried on paying every payment for the last 4 years without a problem. Around 9 months ago I had a letter stating that they were goingt to send a field agent to my home at a charge of £50 to discuss my account, I rang and explained that I did not need to see a field agent as I had explained the situation to them and that I had made every payment for the last 4 years. They told me they were sending a field agent whether I wanted one or not, they did not arrange a time and I was at work when he visited so I missed the visit and got charged £50 for the pleasure, this has continued every few months where they send me a letter stating another agent will visit, no mention of a day or time and another £50 being added each time. This has been causing me a great deal of stress as money is already tight and I have been doing all I can to make my mortgage payments every month so I should not be classed as a high risk customer, missing 1 payment in 11 years of being with them is not someone who i feel should be having field agent and field agent sent out to me adding unnecessary expense onto my already tight situation. So far NRAM have laughed off my complaints of their bullying and sneaky tactics of taking more money from me. This has had me so stressed and concerned that I wrote my last letter to them on the 2nd March complaining about the unecessary field agent visits and charges and followed that letter with a phone call complaining that I do not need anyone visiting my home and explaining that the arrears would be paid when I sold my home which I have been trying to do for a while. Following that conversation I suffered a sudden stroke on the 5th March (bearing in mind I am only 35 and healthy) that they believe could have resulted from being overly stressed, this being the only thing that I have been stressed about. Am I within my rights to take my complaint further and actually seek compensation for the unecessary stress that they have been putting me under due to the fact that they very nearly killed me because of the stress that their actions caused me? Any advice or opinions on the above would be appreciated. Sorry for it being so long...

LV motor insurance have arranged for a field investigator to call at my house,i had a small accident few months ago. i was told by the insuance that they need a statement. but now im told the investigator wants to have a 2 hour interview with me. are they just wanting a statement of what happened ? thats a 10 miniute job. i suspect the investigators job is to find some loophole to not pay out. can i refuse to allow the interview investigation? i claimed for a windscreen only. the third party pedestrian is claiming for injury. its annoying because insurance company only told me they need g4s person to come and take a statement of what happened. now they want a 2 hour interview. what are your views on this