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    • Definitely move the cars ASAP, the bailiff will come back and clamp them, don't wait bailiffs can now call on Sundays and most Bank Holidays.
    • What should you do? Totally ignore them. Next time you are there take photographs of Athena's notice at the entrance to the car park plus the position of the others as well as any difference between the T&Cs of their signs. Also a picture of their payment meter as the T&Cs there are often different from the signs. Check with the local council to see if Athena have permission to erect signs and ANPR cameras under the Town & Country [Advertisements] Regulations -they are often online these days. Also ignore any future correspondence from them and their unregulated debt collectors and do not be afraid of ever escalating fees most of which have no basis in Law. The time to come back to us is if they send you a letter of claim where a snotty letter to them may discourage them.Also read other threads on here to get an idea of the numties you are dealing with. One amoeba has more intelligence than all the car parking rogues together. It is still worthwhile contacting Lidl even without your receipt and especially where you have a record of regular visits to them.
    • First, I'm a bit surprised that your local police force has the manpower and time to waste chasing up a complaint from a member of the public that a motability car's paperwork may not be in order, bearing in mind that most forces can't be bothered to follow up reported burglaries, if stories in the popular press are to be believed.  But if that's what the police officer has told you, that's what he's told you.   If you want to follow up his suggestion to make a complaint, check your local force's website for how to do so.  Or (bearing in mind the history of problems that you've had before) write straight to the Chief Constable (website again).   Simply say you want to make a complaint about the number of times your daughter (or whoever) has been stopped by the police for no apparent reason.  Give a list of when and where this has happened and what the outcome was (presumably that the police took no further action).  I would also add that in the latest incident the police officer actually suggested making a complaint about the number of stops.  Not only do you (or your daughter or son or whoever it is) find this police action to be extremely distressing, but you also consider it a waste of scarce police resources.   Ask for an explanation as to why this keeps happening and ask for an assurance that the police will stop doing it.   You may also want to add (see what others advise about this) that the police officer in the latest incident also told you that they had received a call from someone saying that the car's paper work "might not be in order".  Say that you are concerned that whoever made this false allegation is wasting police time.  (You may want to think carefully about this as it may not improve your daughter's relationship with her neighbour!  If the allegation came from the neighbour.)   Those are my initial thoughts but it's a bit late to be thinking clearly.  See what others suggest rather than just relying on my suggestions.   [The letter really needs to come from your daughter (or whichever family member keeps being stopped) and not you, unless you can make it perfectly clear in the letter who it is that is being stopped etc. and that you are complaining on their behalf.  Is that clear?]
    • yes I missed out an important word there didn't I 'properly' ..
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Hi Everyone,

 

I'm a long term reader and newly signed up member. The advice we recieve on here is incredible, well done everyone.

 

My problem is as follow:

 

I have been paying two debts by installments to the debtors themselves. I have replies to every letter from NCO, who claim to be acting on behalf for the debtors, advising them that the debt is getting paid directly to the debtors.

 

I recieved a letter this morning from S.C Leatham-Locke LLB, based in NCO offices by the looks of the address, stating that they intend to take further action.

 

I'm really at a loss to why they are even writing to me if i'm paying the money direct?!

 

Does anyone have any advice?

 

Cheers,

 

Gordon


Cheers Paddy :) Follow my fight for consumer rights: [URL="http://www.consumeractiongroup.co.uk/forum/other-institutions/142825-paddy1984-asb.html"]Paddy1984 vs Airdrie Savings Bank[/URL] [URL="http://www.consumeractiongroup.co.uk/forum/other-institutions/142824-paddy1984-clydesdale-bank.html"] Paddy1984 vs Clydesdale Bank[/URL] [URL="http://www.consumeractiongroup.co.uk/forum/barclays-bank/142822-paddy1984-barclays.html"]Paddy1984 vs Barclays[/URL] [URL="http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/142823-paddy1984-hbos.html"] Paddy1984 vs HBOS[/URL]

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I have been paying two debts by installments to the debtors themselves. I have replies to every letter from NCO, who claim to be acting on behalf for the debtors, advising them that the debt is getting paid directly to the debtors.

 

Just a quick correction. You have been paying the creditors - you are the debtor.
I recieved a letter this morning from S.C Leatham-Locke LLB, based in NCO offices by the looks of the address, stating that they intend to take further action.

What does the letter actually say?

 

How much are the debts for toughly and how much have you been paying per month?

 

What are the debts for and are there any penalty charges on the accounts?


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Rory,

 

Thanks for your reply and for your corrections.

 

I'll re-type the letter when i get home this evening as i'm not carrying it with me.

 

The debts are:

 

1 - Vanquis Bank - Intrest on this account is frozen and repayments of £47 per month are being made - Outstanding balance £750

 

2 - Orange Plc - No charges or intrest is beiing added to this account. I am paying £25 per month - Outstanding balance £800

 

I hope this is the information your needing. Have i missed anything? I am intending to pay them both of by the end of the year in full to the creditors. I have a few debts and i just recieved a pay increase so i'm going through them one by one and paying them off in bulk.

 

Cheers

 

Gordon


Cheers Paddy :) Follow my fight for consumer rights: [URL="http://www.consumeractiongroup.co.uk/forum/other-institutions/142825-paddy1984-asb.html"]Paddy1984 vs Airdrie Savings Bank[/URL] [URL="http://www.consumeractiongroup.co.uk/forum/other-institutions/142824-paddy1984-clydesdale-bank.html"] Paddy1984 vs Clydesdale Bank[/URL] [URL="http://www.consumeractiongroup.co.uk/forum/barclays-bank/142822-paddy1984-barclays.html"]Paddy1984 vs Barclays[/URL] [URL="http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/142823-paddy1984-hbos.html"] Paddy1984 vs HBOS[/URL]

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What does the letter from S.C Leatham-Locke LLB actually say?

 

Normally this is a scare tactic by DCA's to try and get you to up your repayments, whether you can afford to or not. If you are paying what you can reasonably afford then there is no point in them taking further action as a sheriff would not award them higher repayments and may in fact even reduce your repayments if they think they are too high.


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Rory,

 

The letter says:

 

Confirmation of Further Action

 

Take notice that our intended alternatices have previously been ade clear to you and we will now reccommend that further action be taken on your account. We are therefore suggesting that your file details should be passed to an outside field agency to finalise resolution of this debt.

 

Please quote your refrence number with payment.

 

YOU HAVE 48 HOURS TO PREVENT THIS RECOMMENDATION

 

Call Mr North on 08701525649

 

After this it contains a giro slip.

 

thanks

G


Cheers Paddy :) Follow my fight for consumer rights: [URL="http://www.consumeractiongroup.co.uk/forum/other-institutions/142825-paddy1984-asb.html"]Paddy1984 vs Airdrie Savings Bank[/URL] [URL="http://www.consumeractiongroup.co.uk/forum/other-institutions/142824-paddy1984-clydesdale-bank.html"] Paddy1984 vs Clydesdale Bank[/URL] [URL="http://www.consumeractiongroup.co.uk/forum/barclays-bank/142822-paddy1984-barclays.html"]Paddy1984 vs Barclays[/URL] [URL="http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/142823-paddy1984-hbos.html"] Paddy1984 vs HBOS[/URL]

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Okay you can do one of two things. You can file the letter under ignore or make an official complaint in writing to NCO. Personally I would make a complaint to NCO on the basis that you are paying what you can afford to their client and you view this recent letter as harassment. If they don't resolve your complaint to your satisfaction after 8 weeks you can then report the matter to the FOS.


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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