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  1. Hi, I think I'm in a similar situation. I recently received a letter from Cabot saying that they had bought an account that I held with LLOYDS TSB - Credit Card. The first letter was dated 19th November 2015. Subsequently I have received two additional letters the last being, I imagine, the same as above (parksey78), just a form wanting pesrsonal details and income/ outgoings. I genuinely have no knowledge of this account and I was therefore about to send the template letter regarding 'no knowledge' when I came across a similar thread suggesting that it mayb
  2. 1 Date of the infringement.( 05/07/18 ) 2 Date on the NTK [24/07/18] 3 Date received ( 27/07/18 ) 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [no] 5 Is there any photographic evidence of the event? ( no ) 6 Have you appealed? {no] 7 Who is the parking company? ( Park with Ease ) 8. Where exactly [Whitlingham Country Park, Norwich, Norfolk ] For either option, does it say which appeals body they operate under. IPC A member of my family who is foreign, drove into Whitlingham Country Park in Norfolk stopped for 20 minu
  3. Hello all. Been a while. Had the letter from Apex to say they have "purchased (my) account with all rights ...". Included in the envelope was a bw letter supposed to be from Egg saying it was "notice of the assignment of the debt due to us ..." First thing should I start this thread here as I live in Scotland - or start one on another of the more general debt or DCA forums? Other thing is just to start by saying I'd an Egg Loan and an Egg credit card. CCAs sent for both well over a year ago. Got nothing for ages then two copies of a muliple page computer printout relating to the loan
  4. Evening Peeps, newbie here. I used to be a member a long time ago and found the info on here very helpful. So thankyou ! I have now got a clean bill of health on my credit score, but still owe debts to various DCA's. My question is - can a DCA still try and issue a CCJ, even after say 8 years of the original default account ( notice of default has been isssued ) - my accounts have ALL dropped of the various CRA's as they all defaulted many years ago ( over six years ago ) - I am still paying them via a DMP. To summarise all debts are over 8 years old now. And I a
  5. Major crackdown on abuse of 'debt' judgement by rogue parking and utility firms is announced Ministers will pledge action on abuse of county court judgments by rogue firms Anyone who has had a CCJ without their knowledge will have it removed The Govt plans to immediately set aside all backdoor CCJs for those who can prove to a judge that they did not know about it when it was passed. http://www.dailymail.co.uk/news/article-5214075/Action-debt-judgement-rogue-firms-abuse-announced.html
  6. I opened a current account with Halifax in June 2015 with a £250 overdraft facility which I used on a regular basis but cleared every month. In August 2016 I ran into financial difficulties due to an increase in overdraft fees, up to £100 per month. i wrote and explained I was suffering hardship and Halifax cancelled the fees for that month. By this time I was using payday loans to keep my head above water. I struggled along until January 2017 when I again claimed hardship and more charges were cancelled. However, the charges soon crept up to £80 or £90 per month as I w
  7. I am struggling to close PayPal and EBay accounts of my late Husband. Using the contact us forms doesn't appear to produce any contact from either of them. Has anyone had experience of closing these accounts - thank you.
  8. Hi I received the letter below yesterday from a debt recovery agency, I did receive a PCN last year whilst parked at the shopping centre but I can't remember the date I have until now ignored all communication and binned the letters they sent as this is what I did last time I got one of these things quite a few years ago, although now I have seen the advice is no longer to just ignore them, worked last time though The car park does have signs up all over the place about restrictions time limits etc and I do remember when I parked I wasn't able to park in the bay
  9. Hi, I bought some items from Thomann.de in December last year. Paid by Paypal. Got 'Payment accepted' notice and items arrived. A few weeks ago I get an e-mail from Thomann asking me to pay an outstanding balance. I thought it was some sort of phishing [problem], but after checking it out, everything seemed legit. I replied asking them what I owed them money for (at this point still assuming the order that was completed 4 months ago was, indeed, completed..) Apparently, my Paypal payment didn't go through at the time, but they sent the items anyway and
  10. Hi guys. After scanning through a few similar posts I thought it would be clearer to understand if I posted my own thread hi-lighting my own concerns specifically. Hope that's ok? I'll give an explanation of my situation then submit my questions. About 7 years ago I had a few outstanding debts on various overdrafts and c/cards etc. My wife and I owed around £4'500 in total. Nothing to get to worked up about. My wife and I seperated though and after a clean and simple divorce I was left trying to float the home finances alone. Living on half of our former income, thin
  11. Hi all, I cancelled my vehicle insurance over the phone and was told that there was nothing more to pay, which surprised me as I thought there would be a cancellation fee, even though it was only 6 weeks until the policy ended. I then received a letter in PDF format via e-mail stating that I had cancelled my policy with a breakdown of how much I'd paid etc and then it stated that there was a NIL BALANCE. It was signed. I then received another letter in the same format telling me I had to pay a cancellation fee of over £150! I phoned them and they said that this was an error.
  12. My first contribution to this site. I owe the Co-operative Bank money on a credit card and had problems with repayments. They were being quite unpleasant about it (I had asked for a 'breathing space') in one week claimed to have passed my debt onto a collection agency and then said they were taking me to court. I wrote to the CEO Niall Booker and he sorted things out and I received an apology and a cheque for £75. its worth going straight to the top. I also discovered that Phil Burrows who I received a lot of post from doesn't actually work there anym
  13. Hello, its been a while since i've been here. Just looking for some advice. An old Halifax debt which was being handled by DrydensFairfax Solicitors and which I have been paying at £5 a month for ever, it seems, has been passed by them to Westcott. I just wanted to know if it is reasonable to send a CCA request to them before I change where I send the payment?
  14. Yesterday my mother sadly passed away and I have no idea in the slightest what to do regarding benefits. Theres so much to do already. Firstly I understand I will have to contact the DWP asap to get mums DLA stopped? Next, what do I actually do about my funds? I was on carers allowance for a few years for looking after my mum. In November my mental health problems deteriorated and I had to come off carers allowance to allow me a month or so to work on my own health. It's a very slow process getting help for mental health problems but as the ball was rolling I re-applied for care
  15. First of all, thankyou for being here. Your advice to others about RLP really supported me during the past year. About a year ago I was accused of shoplifting in Tesco while using the shop and scan for my household shopping. I didn't intend to steal but I accept that things were in my trolley that I hadn't scanned or paid for, and my only excuse is that I was having extreme anxiety and depression problems at the time, and my mind used to wander, esp while shopping. I was detained in the back for 2 hours while they waited for the police, eventually they were told the police were not i
  16. Hi All, Please can you help me out. My father received a letter from excel parking services over a year ago, after investigating them find tonnes of material online including watchdog stating i should ignore the letters, i did. The signage in the car park has not changed in year and is the same as the one in the watchdog video on youtube. Nothing else came through since then. However today i have received a letter from DCBL stating my father now owe £160. The letter reads. Notice of debt recovery Dear ......... Your overdue amount of £100 due to excel parkin
  17. Hi all, Newbie here so please forgive me if this has been covered off elsewhere but I'm hoping for a quick bit of advice.... I made the mistake of leaving my car for 2 hours, 20 minutes and 3 seconds in a Highview car park on 11th December 2015. I'm certain that I was still present in the car for at least 20 minutes prior to leaving the car on a call, and any CCTV would back this up, doubt that's particularly relevant though. Anyhow, I've changed address since and have received no communication, or engaged in any form of dialogue with Highview Parking Ltd. As such I've had a l
  18. :-)Hi Have 2 NatWest credit cards taken out about 1995/1996 - on which I have been making token payments of £2 per month which just jogs along. £1400 outstanding on one card - £2200 on the other card. Token payments commenced about 2 years ago as lost job due to illness and have not worked since. I am 65 and now have heart failure problems - so trying to sort out affairs in case of further problems. I know I should CCA them - but what then. Do they write off debts? My GP can confirm my health position. It's crazy really - we all bailed out NatWest during banking crisi
  19. To quickly outline my problem; I gave Vodafone 30 days notice to end my contract with them on 1st June 2015 (been with them for donkeys years (bills always paid,never missed one!) .Felt like a change so EE looked like a better bet for mobile internet .A week or so later Vodafone offered me an S6 phone at a very good rate to keep me so I took it ,the customer (dis)services operative arranged the phone delivery for the following Saturday morning,great!. Saturday morning came and went-no phone. Called VF (Vodafone) to query why my new shiny phone hadn't arrived an
  20. I opened a new claim for Jobseeker's Allowance last week and I do not have a claimant commitment yet, since they won't give me anything until next week. I was made to come in again this week and they have sent my details forward to a company, who will arrange an interview with me for a job. The job is of absolutely no benefit to me. I am already working part-time on a Saturday, which they know about. The job they have put me forward for is Saturday's only, clashes with my current part-time job, has more hours and pays less. It is also a job with no skill set required and no hopes of caree
  21. Hi all, I have a old capital one debt that had been passed to shoosmiths from cabot, I have just received court claim forms from county court business centre. I won't go into the personal issues that led to this etc but i owe the money. Is it to late now to avoid a ccj by arranging a payment plan with shoosmiths or cabot? Is the only option now to accept the ccj? Thanks
  22. I moved house on 1st December and notified the court by email on the 7th December. I'd missed 3 weeks of payments and on the 30th November they passed the fine to collectica. I didn't find this out until the 8th of December when they rang me. I immediately paid the rest of the fine online directly to the court but they are saying they are going to pass my payment to collectica and that collectica are going to take their fees off the amount I paid thus leaving the fine unpaid and me back at square one. I just want to know if they are allowed to do this?
  23. For a couple of months my wife and i had to move into my father in laws council house to help care for him as he was in need of care. His wife had died and he lived with his son. The son took on the house tenancy jointly with his father along with my wife. Anyway shortly afterwards more suitable house was found for them as accommodation was not suitable for his needs. The house was examined room by room and passed by a inspector from the council.Who said only thing that needs to be done is all carpets to be moved out of premises. This was back in early July..And was carried out as
  24. Hi All Little bit of advice please. I have received a letteri today from HPH2 Ltd stating an old barclaycard debt I have been paying to MKDP LLP for the last two years has been passed onto Robinsons Way who will now be managing my account. My question is, as I have not received any letter from MKDP LLP confirming this, should I contact Robinsons to arrange to carry on payments or should I wait to hear from MKDP LLP before making contact. Also will my monthly direct debiti be transferred automatically or will I have to set a new one with Robinsons. Dont wan
  25. To be honest I'm a little unsure on if this issue is beyond the scope of this group by want to ask for advice anyway. I've been working for a security company for a number of months that deal with various events all over the place etc. Done countless jobs for them and never any issues regarding my work, ability or conduct. Only I was supposed to be working a particular event for a few days. Nothing unique or special about the event in the slightest and I've worked a number of similar such events and countless 1 off jobs that's similar. But the company in question, without notice h
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