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  1. Hi Redroy. Any luck with obtaining these hire costs back yet? Am asking as it seems I am in the exact same position as you are right now. Ive been told by OCL solicitors that third party are Hi Redroy, any luck with this yet? I am in exact same position as you was last year. Have been told by OCL solicitors that third party are disputing the excessive car hire amount and want to know why i chose to take an expensive car out of hire. I feel trapped as i explained to OCL that One Call insurance deferred me to the hire company and made it seem all seemingless and painless. Now its been 7 months and I am dealing with a court mitigation with third party regarding costs for car hire and injury. This was a 100 percent non fault claim.
  2. Hi Left UAE 2013 with a loan (lost job was advised to leave country by company, I’m back in the UK) CWD made contact in 2014, and 2016, I denied the debt and evidence that I was in contact with the bank. then nothing. Then last week IDRWW text me (?) and letter saying they got my details from the banks portfolio and can I make contact. Do I ignore? I have evidence of my contact with the bank - there is/was an ongoing complaint and they have not tried to resolve it either way. I’m anxious about this now Any actual outcomes? I searched London gazette and only 1 person from CWD was made bankrupt that I can find and that was a while back. I just bought a house less than 1 year ago and have no equity (help to buy) Reassurance or actual outcomes are needed if anyone has any please? Ta
  3. I was involved in a non fault accident one call insurance put me on to a company to give me a hire car and reclaim everything from the 3rd party . i had a hire car for 8 weeks i tried to return but wasnt allowed .now after 9 months i have received a.letter saying they havent recovered costs from the third party and are using OCL solicitors to reclaim the debt by court action using my name . has anyone being in this situation . they are asking me to sign forms to authorise this . please help Thanks in advance
  4. Good afternoon First of all I thank everyone for any advice you may be able to offer. On the 24th March 2016 at 19:14 I was parked at the rear of some shops on Slough High Street. I visited a Supermarket (one of those shops) and was in there no longer than 20min. On my return I discovered a parking ticket from Parking and Property Management Ltd with the issue reason 'Not displaying a valid permit'. It was dark so I obviously didn't see the sign post which outlined the conditions of parking there. The following day I went away for work and totally forgot about the ticket. Almost 3 months later I have recieved a 'LETTER BEFORE CLAIM' from Gladstones Solicitors. This letter is dated 7th June, was sent 2nd class and I recieved it a week later?? Having done extensive Googling online I read there should have been a NTK before this? I cannot recall having received one of these. I will be trawling through all my post again just to make sure. They are asking for a payment of £150 or they will take legal action? The easy option would be to pay the fine, however the bay I had parked in was for a Carpet Shop, which was way past closing time at the time I got the ticket! Where do I stand with contesting the ticket? Looking forward to the advice and I appreciate it!
  5. Hello, I am new to this forum so I’m not sure but I’ll tell what happened first and I will really appreciate any help you can give me. First of all, I know it’s my mistake and I deeply regret this now. I saw this intagram page about 16+ Oyster cards for anyone (I’m 20) for £40 and contacted the guy and he set up and application for me and all. was having financial problems and I’m a student I was stupid enough to do something awfully regrettable like this. paid him applied for the card. got it used it for a while. got caught by a ticket officer got a letter from tfl asking me to write to them explaining why this incidence happened. I don’t know what to do. please help me out. This is my first time getting into trouble like this and I’m very regrettable and scared that I’ll be prosecuted. I’ll never ever do anything like this again. Please help me out. This is the letter I received from tfl. Please give me any advice you have on writing a reply to them. I have already started to draft a letter with my apologies and answering them honestly. But the letter they sent does not mention anything about fake photo card so should I tell them about it or just apologise for not having a valid card and offer to pay for any loses/fines. I am terrified about being prosecuted for this.
  6. I have received a Letter Before Claim from Gladstones. This is in relation to a windscreen Parking Charge Notice from Euro Parking Services. 1 The date of infringement? 22/4/16 2 Have you yet appealed to the parking company yet? [Y/N?] NO, I HAVE TOTALLY IGNORED SO FAR. if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide has there been a response? please post it up as well, suitably redacted. [as a PDF- follow the upload guide] If you haven't appealed yet - ,......... have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] YES what date is on it 10/6/16 REC'D 13/6/16 Did the NTK provide photographic evidence? YES 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] NO 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] 5 Who is the parking company? EURO PARKING SERVICES 6. where exactly [Carpark name and town] did you park? HOME BARGAINS, BATHGATE, EH48 2RA The PCN asks me to pay up or to provide them with the name and address of the driver, otherwise they "have the right to recover" from me. I didn't reply, but I wasn't driving.
  7. Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
  8. Hi, just had this arrive over the weekend In order for us to help you we require the following information:- Name of the Claimant ? Hoist Finance UK Holdings Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 19th Feb 2019 Particulars of Claim The claim is for the sum of £5xxx.xx in respect of monies owing under an agreement with the account number: 12345 pursuant to the consumer credit act 1974 (CCA). The debt was legally assigned by Hoist Portfolio Holding (EX Aqua) to the claimant and notice has been served. The defendant has failed to make contractual payments under the terms of the agreement. A default notice has been served upon the defendant pursuant to s.87(1) CCA The claimant claims 1. The sum of £5xxx.xx 2. costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N/A What is the total value of the claim? £5xxx.xx Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after April 2007 ? After Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes 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. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? Down turn in business What was the date of your last payment? Mid 2018 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 management plan? Was in DMP but had trouble with them. Thanks
  9. Just started my PPI claim against Natwest credit card, just sent of my SAR and £10 PO card was taken out april 99 How do I work how much I could be owed is it the PPI plus the culmintive interest of the card on that PPI over the years Plus the 8% interest
  10. Hi, I have just received a letter and form from Lowell Solicitors regarding a mail order catalogue for just under £900. No payment has been made for 3 1/2 years, account taken out around 2010. It is saying if I don't reply or make payment within 30 days they will start court proceedings. Any advice on how to deal with this? Thanks JJ
  11. Morning All, I wonder if you could offer me some help please. As vehicle's registered keeper, I've received a letter of claim from BW Legal and understand from reading previous posts that this does need to be responded to. I've ignored all previous correspondence from Brittania, DRP and Zenith because my understanding was that the NTK needed to arrives by the 15th day following the alleged contravention (it actually arrived on the 24th day!) i have kept copies of all previous correspondence sent. Any advice on how to respond to them would be really appreciated. 1 Date of the infringement 5th April 2016 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 27th April 2016 3 Date received 29th April 2016 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 registration details with small date/ time stamp at top of image 6 Have you appealed? {y/n?] post up your appeal] No Have you had a response? [Y/N?] post it up 7 Who is the parking company Brittania 8. Where exactly [carpark name and town] Chelmsford, Essex, Army and Navy Car park CM2 7PU For either option, does it say which appeals body they operate under. BPA Thanks, Jo
  12. Hi there, I’m hoping someone may be Able to point me in the right direction. My son received 3 parking tickets last year from Brittania parking. He has ignored all correspondence from them. Today he has received a letter from bw legal which states they have been instructed by Britannia parking Ltd to commence legal action. The total they are claiming us £575.37 I believe the car park is one which takes pics on way in and out. The letter is giving me the options to : agree he owes the debt owes some of the debt but not all of it doesn’t know whether he owes the debt disutes the debt. then it’s for income and expenditure forms with it. I do do not believe he has just deliberately ignored the letters. My son had a stroke last year (his 20) which has left him on a lot of medication and problems. I am his appointee now for dwp as he isn’t able to manage. I just wanted to know if anyway could give me some advice or point me in the right direction. Many thanks for your time.
  13. Hi, hoping you guys can offer some help please, I’ve had a letter from Lowell’s about an old catalogue I had & that they acquired the debt in 2017, I don’t recall having received a letter of claim but this is asking for a response in 14 days, total amount including court fees is £912. How should I proceed, I cannot pay that amount, does this have to go to court now or is there any way that I can sort this out outside the court, what happens if it does go to court? are Lowell’s helpful enough to try & resolve without court action or is too late now
  14. Brief summary of events Defendant householder cut through electricity supply cable encased in concrete under his driveway. Claimant repaired the cable Claimant says cable was 200mm below surface of driveway Claimant issued Letter before Claim(LBC) 4 months later - no previous correspondence and begins "We are now in a position to serve our Letter of Claim pursuant to the Pre Action Protocol for Construction and Engineering Disputes. Claim is in negligence, claims for it's "losses" Included in it's LBC is it's "invoice" for the repair works. (£536) Claimant admits that it's LBC is a 'standard' LBC Many of the defendant's 'failings" alleged by claimant are simply not relevant e.g. failing to properly supervise it's employees & "Failing in all the circumstances to design or implement safe systems of work" Defendant made request for information, most of which were refused, including information aimed at discovering if the "invoice" includes a markup. Defendant made formal response to each of his alleged “failings”. Defendant denies liability. Claimant says that invoice must be paid within 14 days or it will become overdue for payment. LBC was, in fact, issued by and signed by a finance assistant in the Claimant's credit control department, who has dealt with the matter throughout. It is tolerably clear that claimant is attempting to run two mutually exclusive legal concepts - a claim in negligence as per it’s LBC and payment of a debt due under contract. Claimant has not (yet) issued proceedings. Defendant is concerned that Claimant might not, in fact issue negligence proceedings, but attempt enforcement action to obtain payment of £536 alleging that it is collecting payment of a debt due under contract. All comments welcome.
  15. Hi All Im looking for some advice on this one. Back on 20/12/17 i went to park on a carpark behind some shops previously this was an actual carpark for use of shoppers. As i went into the entrance of carpark i noticed a sign on the wall on right hand side as you enter the carpark so i pulled to the left hand side to read it (The entrance is an ally way between 2 shops as shown in my Picture There is no signs visible until you enter the carpark) It said that the carpark is now for gym use and to check terms and conditions in the carpark I left my car where it was which wasnt actually parked in a designated space the carpark in a space and had a look for the terms and conditions but all i could find was the same signs as id already read. I walked round to the gym entrance but couldnt see any terms and conditions there So i just got in my car and turned around and left i was there for 7 minutes then on 11th jan 2018 i received a parking charge notice which i ignored as i never actually parked in the car park just pulled over to one side of the entrance but the number plate reading system had clocked me as i entered on the 13th feb i received a letter from DRP asking for £160 i contacted DRP and a sent them CPR 31.14 Request I then received another letter from DRP on 26 fen 2018 thanking me for my communication but explaining that i couldnt challenge the charge I ignored that and heard nothing until a few days ago when Gladstones solicitors wrote with a letter before claim dated 4th feb 2019 I understand that they will take it to county court Should i just wait for a county court claim and try defend this or is there another avenue.
  16. The story: For months I had parked in a pay and display car park - £3.50 for all day Last August, they changed the machines and put up new signs stating you had to enter your registration number. (I now realise they had switched to ANPR enforcement) Shortly after, I paid for the parking using their new machines. I followed the instructions, entering the registration in full and pressing OK. However, I now know that if you enter the information quickly, the button presses do not all register because the machine is slow to process each key stroke. To make it worse, once you press"OK" to pay, it clears the screen and shows the charge so it is very easy to miss the fact that some of the digits have not registered. The ticket printed out and I displayed it as instructed. When I received the NTK I checked the ticket (fortunately I am slow to clean the car!) and found that it only showed the last 2 digits of the registration. The first first 5 digits had not registered. I had paid the full fee for a day's parking. I appealed to HX parking with pics of the ticket, saying I had taken all reasonable steps to comply with their T&C's and that I did not know why their machine had not logged my full registration. They rejected the appeal. I appealed again to the IAS: "I contend that the means of recording the stipulated data were at fault and that I have discharged my contractual obligations by all reasonable standards. I have paid for the service of parking in full and on time. The parking company has suffered no loss and this charge of £100 is specious." This too was rejected with a copy of number plate entries for customers preceding my ticket and immediately after my ticket which showed that they had been able to register their full number. I did not pay and have now received the Letter before Claim from Gladstones Solicitors. I intend to contest this as there has been no loss on the part of the operator, I paid in full for a day's parking and the means they provide to allow me to comply with their T&C's is overly sensitive and fails to operate correctly if used in a manner that in itself is not unusual or unexpected (i.e. rapid keystrokes). Data as requested: 1 Date of the infringement 26/07/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date]: 31/07/2018 3 Date received 11/08/2018 (returned from holiday on this day so it actual date of delivery is unknown) 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No - is this important? 5 Is there any photographic evidence of the event? ANPR pic of arrival and departure 6 Have you appealed? [Y/N?] post up your appeal] Yes - see below Have you had a response? [Y/N?] post it up Yes - see below 7 Who is the parking company? HX Car Park Management 8. Where exactly [carpark name and town] Fleet House Car Park, Wharf St. South, Leicester, LE1 2AA For either option, does it say which appeals body they operate under. IAS If you have received any other correspondence, please mention it here Letter before Claim (see below)
  17. Hi, can someone help please. I over stayed the maximum 2 hour parking in Tesco car park (private eye) a few times and now I’ve been sent a charge £250.00 or they will take me to court. Could someone advise me what to do please
  18. Hi everyone my sister got a letter on the 6th of feb saying she owes £173 for a parking ticket that happened in October last year. It says a warrant has been put though from the courts but my sister hasn’t received any other letters about this. This is the first she’s heard of the parking ticket. With her being on benefits and not having the money to pay I was thinking of sending a n245 form but don’t no what court to send it too. Ill upload a copy of the letter. Any help really appreciate. Thanks Andrew E007F505-5A47-4D11-99C1-143F8339C132-converted.pdf
  19. Hi all, Today my wife received rather thick envelope containing letters from Lowell and BW Legal, containg a reply form, which after looking about online seems like a new thing (pre action Protocol?). My wife hasnt heard anything about this debt in a very long time, plus we moved home last year so that possibly hasnt helped matters. The debt is for Vanquis Bank (Credit Card) and was defaulted on 31/10/2012 - no payments have been made since before this date and its approaching being statute barred. Whats the best way to proceed WITHOUT acknowledging the debt? Do I tick boxes D to dispute the debt and tick box I and ask for more information? If so what information? Should I also sent a normal CCA letter with the reply form? Do I now just deal with BW Legal seen as all this has come from them as Lowel say it has been sent BW Legal? Many thanks Martyn
  20. Hi, I am new to the forum. Thanks in advance for any advice given. Student Loan Has Matured/ Full Payment Due within 14 days letter received from Erudio I am 45 years old and had taken out two student loans(95,96) and one (98) so under the old and new style loans. About 10 years ago I had arranged a payment plan (spread across all 3 loans) with student loan company (I think I was over the threshold to defer but was experiencing hardship). I had set up a standing order which remains in place to this day. When Erudio took over I received letter, calls , statements etc from them but have never contacted or corresponded with them in any way (just figured I am paying something towards the loan and was worried that if interacted with them in any way it would somehow trigger a new agreement or obligation, so just left it at that). I have recently received 3 letters within the last two weeks from them stating that my loan has now matured and full payment is due (aprrox £3600). Only after looking around on forums have I become aware of statute of limitations, but am I correct in thinking that my payment plan still running to student loans company constitutes acknowledgment of the loan? I believe that these payments continue to just beforwarded to Erudio (as I never signed or arranged for the payment to go directly to Erudio, only to the Student Loans Company details I had at the time). I’m wondering why there sending me letter so closely spaced, are they trying scare tactics to get me to contact them? I have other priority debts so do not want to pay this off if there’s a chance I could continue to do it over a longer period. Does it make any difference that I have not acknowledged anything to do with Erudio, accepted calls, responded to letters etc. Any advice is most appreciated. Thanks
  21. Hi, I have received a letter from Lantern requesting payment for loans I took out years ago. The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years. I think I defaulted on most of them six years ago that's why they are not on my credit record. Lantern have called me on my work mobile number once recently, ( within the last two weeks) and I refused to answer security questions because I was not sure who I was speaking to. But they did say they where formerly MMF. I do not wish to engage with Lantern, what steps do I take to ensure I pay them or not Thanks in advance.
  22. Hi All, I have a BTL property. I was in arrears of months. Today I have recd a letter for formal demand to pay full mortgage in 1 week. I have cleared the arrrears as of this morning. I am bit surprise no notice or anything during this 4 months except letter of arrears. I was wondering what are my options? Any help would be much appreciated. Thanks Bill
  23. Hi Last year I separated from my husband, as a joint debt we had an unsecured loan of £30k from NRAM which we had for years, my ex then decided to go bankrupt leaving me liable for the loan. I paid my half of the monthly amount due for a few months and then just couldn't continue to pay anymore. I wrote to them in December 2016 offering them a full and final settlement figure, which they ignored (this was quite low). The first time I have heard from them since me contacting them in December 2016 was last month they wrote to me to say I still owe £28k. (even though through interest this has been paid back and more!) They are now threatening: *instructing a field agent to review my position *Debt collectors *CCJ *Bankruptcy They have given a time limit for me to get in touch with them. I don't know what to do, I haven't paid in over 1 year now, I live in rented accommodation, I don't own any assets, I have a limited company am worried if they do make me bankrupt then I wont be able to carry on with this. Do I offer them again a full and final settlement offer? I don't have any savings I would be offering this via a third party. Has anyone been sent a similar letter? Does anyone know of NRAM accepting and Full and Final settlement offer? I've heard that when a company sells a debt its usually at 20% - 25% of the amount, is this correct? Should I offer at this % of the balance? As I don't want for it to be rejected again. Any advice gratefully appreciated. Thanks
  24. Hi all, I am helping a friend send a SAR to a company. They can be sent by email, I believe. I wanted to check that it is essentially the same as if you were doing it by letter? Thanks, C
  25. Hi I've received a 'letter before county court claim' from ParkingEye regarding an unpaid ticket and I would like your opinion and advice please. I like to think it's just scare tactics but I want to be sure. I parked on a Tesco car park, supposedly overstayed (3 hours on a 2 hour max stay. I disputed the ticket with a POPLA template I found here that at CAG that said I don't acknowledge the debt, don't have to name the driver, and that I will defend myself at POPLA if need be. This has worked the other times I've had tickets but this time I've received a new and different response. In bold, capital letters it states 'letter before county court claim' and straight away this just screams 'we're trying to scare you'. The letter notes when and where I was caught by their cameras and that the charge was for breach of contract and that when they rejected my appeal I had 28 days to lodge an appeal with POPLA and that as I didn't appeal, the ticket must be paid. To be fair, I thought I only had to appeal to POPLA when PE took me to POPLA (and I was there to defend myself - not preempt my defence by writing to POPLA myself). Next it details how to contact PE to make payment within 30 days and that if further action is required and court proceedings are issued then costs will be incurred - including £50 solicitor's costs and £25 court claim issue fee - and that no costs have been added at this stage. I think this is scare mongering because AFAIK extra costs cannot be added and that £50 wouldn't even cost solicitor costs anyway. The final paragraph is to draw my attention to the Supreme Court's decision 'concerning the value of PE's Parking Charges and the judgement granted in PE's favour, delivers a binding precedent in respect of the sum sought as the Supreme Court found that the Parking Charge was set at a reasonable amount'. On the flip side was further details about a judgement on 4th Nov 2015 in PE vs Barry Beavis, dismissing his appeal on both grounds, and that the Supreme Cour found that the Parking Charge issued was neither unfair nor penal; that the Court agreed with the analysis proffered by HHJ Moloney and the Court of Appeal that £85 was neither extravagant or unconscionable; and that this judgement is binding upon all lower courts and independent appeals services. The remaining pages of the letter includes a 7 point 'further information (see screenshot), info on where to get debt advice and how to flll in the reply form, the reply form itelf which inludes options such as 'I owe the debt', ' I owe some but all of it', 'I dispute the debt', 'I will pay now'. 'I need more documents/information', and a financial statement form. Your advice is much appreciated.
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