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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • lookinforinfo
      MET CCTV PCN Starbucks closed - Southgate Park CM24 1PY

      By lookinforinfo · Posted

      You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Jaksmyboy
      IVA failure-DCA chasing-advice please

      By Jaksmyboy · Posted

      Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • Malocclusion
      MET CCTV PCN Starbucks closed - Southgate Park CM24 1PY

      By Malocclusion · Posted

      hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Help with debt

igonemad2

By igonemad2
in Debt Collection Agencies

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igonemad2

igonemad2

Posted
Posted

Hi All

 

I dont know where to start with this i have a debt collection agency sending letters to my door. I have not said the debt is mine, although Im sure it is. I moved just little over a year ago but do no longer go by the name on the letters.

 

I know I need to begin to address these people but have no idea how to. The last thing I want is for an agent to start knocking at the door I would not know what to say to them! :eek:

 

The money is for a large amount and after comencing a payment plan for a while I am concidering bankrupcy to be rid of it.

 

Please help me, I dont know anyone that has been in this situation, well if they have they kept it quite.:)

 

 

Thanks

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igonemad2

igonemad2

Posted
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Posted

Sorry dont mean to confuse people, I have ignored all the letters that have come threw. I have not so much as even opened them to be honest.

 

I know I need to contact them and arrange a payment plan but I dont know how to go about it or if there is any loop holes. I have read some of the other posts on here and it seems all of the ppl who use this site know alot.

 

The last payment i made to the account was late 2006, I moved before then tho and had a letter threw my new door late 2007, I have been ignoring them since they started sending letters.

 

I hope this is enough info.:)

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Hopeful1

Hopeful1

Posted
Posted

Is it for an overdraft? Are there any charges that you can reclaim?

 

Could you say which bank / DCA are involved?

 

The more info you can give, the more help can be offered.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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igonemad2

igonemad2

Posted
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Posted

Right its as far as i know an overdraft and the company are lowell finacial. and i imagin there will be alot of charges on there too, i recon at least half the amount is charges. But it could be a bank loan untill i contact them i dont know.

 

:confused:

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Hopeful1

Hopeful1

Posted
Posted

Do you still have the letters you say you haven't opened? Just wondering if these will tell you what they are chasing?

 

If not you could send a request for a copy of the original agreement for the acc. They should hold one for a loan acc. It is slightly different for a bank acc. as these only need a letter to notify you of the sort of acc. it was.

 

If it is a bank acc. you could then send off a Subject Access Request and reclaim all charges.

 

I or someone else can find you the links for template letters when you have decided what is the best next move ;)

  • Haha 1

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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igonemad2

igonemad2

Posted
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OK well I have just opened one of the letters it states we are trying to contact a .... name.... in who lived at .... if this is not you please contact us so we can omend our records.

 

the next letter says : client

 

thats all just tells me the original creditor thats it.:(

 

it doesnt state if it is the overdraft or the loan i imagin its the over draft due to the amount.

 

is it possable they no longer have the subject access request i first singed for the overdraft in 2005 early 2005 i think i cant remember properly.

 

I wish i kept paper work lol.

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igonemad2

igonemad2

Posted
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Posted
OK well I have just opened one of the letters it states we are trying to contact a .... name.... in who lived at .... if this is not you please contact us so we can omend our records.

 

the next letter says : client +++++++

 

thats all just tells me the original creditor thats it.:(

 

it doesnt state if it is the overdraft or the loan i imagin its the over draft due to the amount.

 

is it possable they no longer have the subject access request i first singed for the overdraft in 2005 early 2005 i think i cant remember properly.

 

I wish i kept paper work lol.

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Hopeful1

Hopeful1

Posted
Posted
sorry i have posted the same thing twice lol

 

Don't worry!! You'll soon get the hang of it!!

 

I would consider sending the DCA (Debt Collection Agency) a Consumer Credit Agreement request. With this you would need to send a £1 postal order and post it by recorded delivery.

 

You will need letter N from this link:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

From now on, keep all letters and receipts ;)

 

Sorting debt out is not easy. It will probably take lots of letter writing and perserverance but it really is worth it. I came here like you - no letters read or kept, head in the sand etc. Within no time i was back in control. So keep at it.

 

Keep posting your progress and you will get plenty of support from people on here :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hopeful1

Hopeful1

Posted
Posted

Just to add, making this request will help to establish which account they are after and whether or not the DCA has a legal right to collect on the acc.

 

After you have established this info you could send off the SAR i mentioned earlier to reclaim charges an dmaybe PPI. The SAR will show exactly what the balance is made up of.

 

One step at a time ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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saintly_1

saintly_1

Posted
Posted

perhaps the proof of debt letter might be a better starting place ?

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name) Print do not sign

 

See what they come back with

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igonemad2

igonemad2

Posted
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Posted

Right ok guys I have written it up and will send it recorded delivery.

 

Is there a time limit on which they have to reply? and should I (print) sign my old name on there account or should I use the name I go by now?

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