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  1. Hi everyone, I parked my car at the Peel Centre in Stockport to pickup an item which was reserved for me in Argos. Its my first visit at the Peel Centre and no doubt will be the last. Upon arrival there were no visible signs or parking machines around the perimeter so I gathered the parking was free. I went to the store to pickup the item but was told it was reserved by their other store just around the corner. The staff asked if I parked my car here, I replied yes and so she advised me to leave the vehicle here and its only a 5 minute walk. I took her advice but didn't return until an hour later after experiencing a small queue at the store and receiving a phone call from a friend. When I returned back, there was no ticket on my windscreen and so I left the Peel Centre. 12 days later I received a PCN from Excel parking via post demanding payment of £60 within 14 days. I contacted Argos and asked to speak to the store manager but was told there was nothing could be done which was disappointing. Since then, following the advice I received from my friends after the experience they've had from other parking companies, I continued to ignore all letters and correspondence relating to Excel. Currently I'm at the stage in which I received a letter from Wright Hassall solicitors demanding final payment of £180 within 14 days or else a CCJ will be imposed upon me which will have impact on future loans and credit rating. I have searched a lot of forums relating to this matter and the majority of the people on here suggest to keep ignoring them since Wright Hassall has no grounds to issue a CCJ since their client is ZZPS Ltd who are debt collectors and not Excel Parking. Although it might sound crazy but do I continue to ignore Wright Hassall if this is the case? Any advice would be appreciated. Thanks.
  2. Hi guys need some assistance helping my elderly neighbour with this claim and who is regrettably not very computer literate. The debt is an old Vanquis card. I have filed the AOS online for him and sent the CCA to Cabot and CPR request to Wright Hassell. I have not drafted a Defence yet as its early days but would appreciate your views on anything else I should do/be doing at this time?? Actually not sure if there is a Defence as such to this but am rather hoping that the DCA will have trouble obtaining the CCA as the account was opened in 2006 and presumably this will be required to enforce any claim?? Name of the Claimant ? Cabot Financial UK Ltd Date of issue – 11/05/15 What is the claim for POC (including spelling mistakes) Claimants Claim is for debte arising from Consumer Credit Act 1974 Agreements. The Claimant is an Assignee of the following debts , notice of the assignment having been given to the Defendant in writing. Vanquis Credit Card a/c xxxx 1654.xx. Despite demands for payment the above sums remain due. The Claimant therefore claim the sum of 1644.xx interest under s69 County Courts Act 1984 and costs. What is the value of the claim? £1839xx Is the claim for a current or credit/loan account or mobile phone account? CREDIT CARD When did you enter into the original agreement before or after 2007? Before Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. It is the debt purchaser in this case Cabot Financial UK Ltd Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? - Possibly Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? - Financial Difficulty What was the date of your last payment? Aug 2010 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No
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