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  1. Have been sent a notice of debt recovery from dcbl after losing against gladstones in court. Went to court over a parking ticket in June and lost. Waited for a further letter from the court with instructions to pay. I received a letter from the court ordering to pay on or before 3rd of July. But this letter was received after the 3rd of July. The envelope has no date stamp of when it was posted. There is no where on the letter stating the judgement will be entered in the Register of Judgements, Orders and Fines. I have no registered CCJ e
  2. I know there are a few threads on similar subjects here, but wanted to set out my exact circumstances to see if anybody could advise on my next course of action. The usual story, lived in the UAE for four years, topped up a loan to pay for accommodation and expenses. That was all fine before I was made redundant in early 2017. With accounts frozen, felt I had no choice but to get my stuff together and return to the UK. Debt is around 100,000 AED. I've had all of the normal emails, them trying to call me at my place of work, etc, but now appears they have enlisted the help
  3. Hi all. I've dug out an old laptop that I want to give to a friend, but I can't remember my password. Burnt Windows Password Recovery to a USB Drive. When I put it in the old laptop, and got it to boot from USB drive, I just get a blank screen with a Smiley Face in the top left hand corner, by the cursor. Any keys I press just adds another Smiley Face. I can't find the same problem happening to anyone else on Google, so I'm quite confused. It is a Samsung R519 running on Windows 7. Thanks in advance. SOD'EM
  4. Hi all, I'd appreciate some help/advice regarding the above please. On 29th September, I parked in a Euro Car Parks location. I paid by phone, and have the receipt/proof of purchase from 14:31 to 17:31 on that date (£3.20; £3 for parking plus the 20p service charge for using the phone service). According to their CCTV, I entered the car park at 14:13. I remember spending quite some time driving round waiting for a space, found one but re-parked (I couldn't get out; it was clearly left as everybody else had that issue!) so it took some time for somebody to leave. I now understand t
  5. Hi, I will try and explain the scenario that took place between my wife and PayPal as best I can. One morning, my wife was contacted via Facebook messenger by who she believed to be a colleague at her workplace. This was before Christmas and the colleague explained that her PayPal account had restrictions on it and asked if my wife could accept money into her PayPal account for items the colleague had sold to help with the cost of Christmas. Being the ever pleasing colleague she agreed. After the money appeared in my wife's PayPal account, she was instructed to then withdr
  6. Hello all, I would like to ask for some advice. With CAG's help I have been trying to sort out my mum's finance situation recently today she sent me a copy of a Litigation Warning letter from Midas Credit Services that she received. I told her to ignore it as it uses terms like "possible further action" etc etc. The reason for the letter is that my mum has apparently failed to reach a repayment agreement with Moorcroft Debt Recovery; however my mum had a payment plan in place with Lloyds for £1 a month with a paying in book. This was arranged after months of thre
  7. Help! im a student and my Uni is very close to a Morissons. I've parked there randomly a few times and got 2 tickets for 50 pounds for overstaying the 2 hour period. To be fair i wasn't looking for any parking signs as i was always in a rush and didn't even know that i had a time limit in a shopping center car park. To be fair is a very small town. I live in Northampton by the way. I have receiving 3 letters( each for the 2 tickets) from Euro car parks which i kind of ignored and after that i have been getting tickets from DRP saying i have to pay 150 pounds each for both
  8. Good Evening, Group I am deeply ashamed to say that I have been caught cancelling items in waitrose value of 40£. I have been accompanied by the security to a room. No police involved. The took picture of me and my I address. I took my lesson but now I want to know what is the best reaction on this wrong doing except that I will always pay my bill. Thank you in advance for spending your time on my case
  9. Investigation leads to shutdown of ‘asset recovery’ company that recovered no assets READ MORE HERE: https://www.gov.uk/government/news/investigation-leads-to-shutdown-of-asset-recovery-company-that-recovered-no-assets
  10. Hi all, My dad who is a private hire driver was dropping off a passenger at birmingham airport IBIS hotel. This hotel allows passenger drop offs/pickups only by private hire drivers and is a red route in all other circumstances. My dad recieved a fine i sent off an appeal to APCOA detail that he was a private hire driver and eligible to drop off. No response was received from and in return we got a debt recovery letter. I then sent off another email to APCOA stating that i had sent an appeal but not received a response. 4 months down the line and without a response
  11. This is my 2nd run in with ECP. First one, about forgetting to purchase a ticket, was dropped by them after their follow-up letter which nicely increased the demand from £60 to £100. This time I made sure to buy a ticket but overran the allowed time (I think I was 6 minutes over a 3 hour limit but the letter didn't stipulate). I received, and promptly forgot, their first letter and was away for the final 2 weeks of the 28 days they gave me to appeal their second letter. I went to lodge my appeal and was told: 'No further appeal can be made against this Parking Charge Notice (PCN)
  12. Hi my 1st post on here i was hoping somebody can help me i have had 3 letters from civil recovery solutions. I was caught walking out of b and q after swapping parts from a damaged box to a good box i thought that one part was missing so i took it from the damaged box and put it in the good one. After being stopped it turned out that the part was in the good box but i had not seen it. No police were called and i was made to sign a store ban for 1 month. I had received a letter from civil recovery solutions for £95.15 which i ignored and another reminding me that the early set
  13. Our house was repossessed in 2009 and sold at auction to recover the outstanding mortgage balance. The sale left a shortfall of £25K+ which the lender came after me for, and being in our late-60s with no savings, assets or investments following a business collapse this is being repaid at £5 per month from Pension Credit sole-income. At this rate it would take over 400 years to settle. I have twice formally requested that this be written off, as it is clear that there is now no expectation in retirement of there being a substantial income or a radical change of circumstan
  14. Hi, Went to a wedding last year? I honestly cannot even remember how long ago it was. There was insufficient parking space at the venue and my vehicle was parked in an empty cash and carry car park just down the road. We did not see any signs/ information informing me this was private property/ charges etc. I have attached a google street-view image of the area in question - the signage is very small and I can confirm on the day - a vehicle was parked in front of the sign - big enough that myself and 4 other members of my family walked straight past it and did not noti
  15. Hi all, This is a query for me, regards to a couple of outstanding invoices that have now been paid. I received an email from Stirling Debt Recovery on behalf of their client Thompson Local for two invoices for £162 each and another invoice for £60. I have contacted Thompson Local direct and have paid £324 to them this morning, and will pay the final £60 for end of contract fee next Friday. Thompson Local stated at first that I needed to contact Stirling DC, I said absolutely not, I don't do any correspondence with a DCA whatsoever, and asked if Thompson Local were refusing to
  16. Hi, I have received a letter from DCBL which states: "Your overdue amount of £269.48 due to Excel parking services ltd in relation to a county court judgement number xxxxxx has now been passed to DCBL to recover the debt on their behalf" It also mentions a further £75 + vat charge. I have searched lots of forums and the advice has been consistent to ignore all letters from Excel parking or any debt recovery firms. i am concerned this letter mentions CCJ number which suggests a CCJ has been issued. I dont recall receiving any court letters, although i have changed address.
  17. New here, been reading some posts, but so much info, getting confused.. Well over 10 years ago, had 3 Credit Cards, 2 were with Barclaycard directly, another via another company, but at some point Barclaycard took that card over also... In the last 5 years at least have had a payment plan with Barclaycard with all 3 accounts, as I could no longer afford the monthly amounts along with interest, in Dec 2016 Barclaycard passed 2 of the accounts over to Link Financial, paying one at £50.00 a month the other at £100.00 which is what I was paying Barclaycard
  18. My wife parked my car in an NCP car park in Ipswich for 15mins on 6th dec. She had some issues paying with her phone via Ringo. However, payment was made successfully as was confirmed by her bank statement. Yesterday we received a letter from Trace debt recovery for 160 pounds. We phoned NCP who said they sent letters (they didn't). We have finally managed to get them to allow us to appeal on their website, previously it was locked out. How should we appeal? I can attach a screenshot of the bank statement, but what explanation should I give. I've never
  19. Hello all, Thanks for taking the time to read my thread. My story is no doubt similar to many past and present, i am looking to now take control of my life and debt! After a period of tough times and illness i have started work/business again and on the road to mental well being. Background... 40k unsecured debt Self employed / Partner employed Discussed circumstances with Payplan and they recommend debt management plan or IVA I am concerned over IVA and the equity clause at year 4 as this is our nest egg, i have no pension and the property is in my spouses name b
  20. Hiya, I tried to take about £30 of shopping from Waitrose today. I know I'm an idiot (hence the username) I'm not doing it again, I've been scared about it and want to just move on. I'm worried about the civil recovery thing. I admitted to having taken something before on one occasion from Waitrose and so they gave me a lifelong ban. They didn't contact the police but they scanned my ID and took a photo of my face. I got given a letter from RPL. What legal advice do I need to get? They told me I will get a fine 'probably around £100'. When will I get this
  21. Hi all : haven't posted in a while. Had letter out of the blue yesterday from Global Debt Recovery Ltd (New Malden) Client Jefferson (Insurance Product) sum of just under £100.00. We are today appointed as agents for the collection.......basically giving me options how to pay etc Never heard of this company and quite frankly don't recall any insurance owing. Any advice on how to respond please kind regards
  22. Hi guys sorry to bother you. syesterday i got caught stealing from primark. i was cold needed a jacket thought id nip in and grab one. Didnt work out for the best and i really regret my decision. i was detained for around an hour or so and i was asked about my details etc. i gave them my name, phone number and address. they said that a civil recovery team would get in touch with me over this matter and i will be issued a fine. They threatened me wth bailifs and other court orders as well. the only thing is at no cost can i let my family find out as the
  23. please help. I need to know if for any reason I can get rid of this debt. I owe a working capitol loan - the debt has been passed to akinika. they rang they asked who I was I said they have wrong number. now im worried - as the same company I owe money and are paying them off - will they link this will they come to my house? will I be able to remove this debt following the process set out to send the letter - ?
  24. Hello all, I`m new to this so please bare with me.. I recently had a Hypo , which is severe low blood sugar that Diabetics sometimes get. It can result in drunk like or irrational behaviour.. back to the story, I was in Tesco doing my shop when this happened, I walked out without paying.. I`m not a shoplifter but I did never the less walk out without paying.. When I came too I was in a room at the rear of the store being guarded by a security guard.. I asked why I was there as I had no memory of the prior 45 minutes.. I was informed I was a thief and they was w
  25. 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
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