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    • OK.  So you lent your car to a friend in 2019 and he racked up three parking tickets that he tells you he didn't know anything about(!).  You were the registered keeper (RK) at the time at your family address, but you got chucked out and could not change your RK address with DVLA because you were homeless.  You knew nothing about the parking tickets and enforcement action until you got a bailiffs' letter passed on to you.  You made an Out of Time (OOT) application in respect of one PCN but Birmingham CC objected to it and the traffic court rejected your application.  A solicitor helped you make OOTs in respect of the other two PCNs but you don't yet know the outcome of those two applications.   Is that the situation you are in?   dx100uk thinks you can resubmit the application saying your friend was the driver.  I don't think saying that will help as the driver is irrelevant.  It's the owner who is liable to pay the charge and that is the RK (unless the RK is a car hire firm).  I assume you are not a car hire firm so you are stuck with the liability, not the driver.   Whether you actually can resubmit an OOT once one has been rejected I do not know, but why not try.  What did the solicitor put on the applications they helped you with?  Did you not ask their advice about the rejected application while you were with them?  I think you would have to say something to the effect that you never received any paperwork in relation to the PCNs because you had been chucked out of your home and because you were homeless you did not update your address at DVLA.  That is the truth isn't it?  You don't want to lie on the application.   To me that's a good reason for you not doing anything about the PCNs, but I suspect that Birmingham CC will object again and that the traffic court will reject again.  And, as I said above, I don't even know if you can submit a second OOT application in respect of a PCN if the first has been rejected.   So it looks to me like you might be a bit stuck.   Unless dx100uk, or spaceman61, or another poster with expertise in local authority PCNs comes along I'm not sure what you do.   If you get no more helpful suggestions here you could try on National Consumer Service.  If you do go there, do not register with a hotmail address.  You will also need to provide them with a timeline of everything for all the documents you actually have, and you will need all the facts and dates etc at your fingertips.  And make sure they are accurate.   http://forums.National Consumer Service.com/index.php?showforum=30   And get your friend to contribute to paying off the PCNs.  Do you believe he really knew nothing about them?
    • To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).
    • Hi Charlie and welcome to CAG   As an Executor, you have a duty to insure the property and tell the currect insurer of the passing of the deceased.   Most insurers will refuse normal contents cover on a house left unoccupied beyond 60 days. So, unoccupied, the home will not be insured against break-in damage, theft, flood, accidental damage, etc.   You may be able to obtain FLEE insurance covering only Fire, Lightening, Explosion and Earthquake. It may cost more than usual contents cover  because the home is unoccupied, even though the level/amount of cover is less than for an occupied home.   As said here already, an Executor would be wise (or indeed have a duty) to remove valuables from the home if you have somewhere safer to store them pending Probate, distribution, sale, etc.   I hope if you can explain the insurance risks to YB and assure him that you are not taking items just for your own benefit, he may see sense.   Please keep us updated ............
    • yours is not the next move   dx  
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i have had some phone calls and some silent ones! from a company called "vanquis" for someone who doesnt live at my address,got so fed up telling them,have now bought a rape alarm,thats what they got the last time they rang! anyone heard how loud they are ! hehehehe

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i have had some phone calls and some silent ones! from a company called "vanquis" for someone who doesnt live at my address,got so fed up telling them,have now bought a rape alarm,thats what they got the last time they rang! anyone heard how loud they are ! hehehehe

 

 

LOL thats good.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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In a vein attempt to brighted up the place l have decided to update all on my underwear.

 

I have failed t put any on due to not getting dressed.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Some cheeky little pictures of staff at the Lewis office in Cleckheaton...

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/245609-lewis-group-cohens.html#post2747503

:rolleyes:

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Here's the challenge then - who can find more Facebook pages for the Debt Collecting companies of this country ?

 

For a starter...

Hull & East Yorkshire Debt Recovery Ltd | Facebook

 

I wonder who's idea this one was - http://en-gb.facebook.com/pages/Debt-Recovery-Services-You-not-now-or-ever-getting-my-money/244816027932

 

Some interesting comments on an American one - NCS Plus Inc. Debt Collection, Recovery and Cash Management | Facebook - "... Accounts are 10% less recoverable 4 each month they remain delinquent..." - so before a year is out, they write them off! Is Bryan or Howard reading this ?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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i have had some phone calls and some silent ones! from a company called "vanquis" for someone who doesnt live at my address,got so fed up telling them,have now bought a rape alarm,thats what they got the last time they rang! anyone heard how loud they are ! hehehehe

 

 

:smile::smile::smile:

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DCA **** on Facebook? I have no problems finding them............

 

 

1st Credit

 

Login | Facebook

 

IQor

 

Login | Facebook

 

Intrum Justitia

 

Login | Facebook

 

Link financial

 

EX Link Financial Staff | Facebook

 

Aktiv Kapital

 

Login | Facebook

 

Eversheds

 

Login | Facebook

 

The wall on each group makes for interesting reading. Seems like most of the staff hated wotrkng there for a number of reasons. Serves them right for not getting a real job in the first place.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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WOW! Eversheds are really scary solicitors...

 

4313356041_c64639307c.jpg

 

(That's linked form their Facebook page Eversheds LLP | Facebook to Birmingham Charity Calendar - a set on Flickr)

 

I fear the calendar girls have been heavily Photoshopped, they can't afford more than one brolly, surely ?

 

If you do get a call from this lot, tell 'em to go jump...

4314092812_9db1b0bf1c_o.jpg

Edited by hillards
mis-typed URL

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I recently sent Paragon a letter, 3 letters infact. First letter was the letter in regards to the current "alleged" debt they hold for me.

Second letter was suggesting different phone companies they could use, detailing competitive buisness rates so that they wouldnt have to charge £20 per phonecall if they manged to contact me, what ever that means.

and the 3rd letter was detailing the complaint procedure to royal mail, which went along the lines of "Please find enclosed the complaints procedure for royalmail as i think they may be over charging you,£10 per every letter is pretty effing excessive"

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One of the quotes on Matt Weeks’ (one of the employees) page.

“Trace clever people who manage to escape debt. Sit bored out of your mind 24/7 praying for the weekend to come - its a load of w**k!”

Wonder if his employers have seen that.

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I recently sent Paragon a letter, 3 letters infact. First letter was the letter in regards to the current "alleged" debt they hold for me.

Second letter was suggesting different phone companies they could use, detailing competitive buisness rates so that they wouldnt have to charge £20 per phonecall if they manged to contact me, what ever that means.

and the 3rd letter was detailing the complaint procedure to royal mail, which went along the lines of "Please find enclosed the complaints procedure for royalmail as i think they may be over charging you,£10 per every letter is pretty effing excessive"

 

 

Oh l ove this. Might well be borrowing it as and when l need to.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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One of the quotes on Matt Weeks’ (one of the employees) page.

“Trace clever people who manage to escape debt. Sit bored out of your mind 24/7 praying for the weekend to come - its a load of w**k!”

Wonder if his employers have seen that.

 

LMFAO:D. Hilarious...Our Matt will now be praying the weekend doesn't end. Monday morning might be a little bit difficult for him.

 

And I expect 'redundancy' may well be high on the agenda.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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LMFAO:D. Hilarious...Our Matt will now be praying the weekend doesn't end. Monday morning might be a little bit difficult for him.

 

And I expect 'redundancy' may well be high on the agenda.

 

I take it you "accidentally" let his employers know what he said about his job? And if not, why not? :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I love the comment on the 1st credit group where someone posted that they're glad they left because they were sick of getting death threats. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Please note that this topic has not had any new posts for the last 3731 days.

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Thank you

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