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    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • Just be careful with your language on what you post here - Keep it above board Lets see what you send to the big boss. 
    • I made that payment on 13th Feb, then it all went down hill. 
    • Massive potentially that payment has been made in some form as accompanying evidence to your financial difficulties.  And yes, but add some more zing to the email if it goes to the CEO - You need to make them understand what they have done. And telling the CEO  / MD of the biz what their actions have done to you - It adds to the complaint weighting.    
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help re a parking charge - thanks


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standing my ground then lol

 

just one lil question what if this all backfires? x

It wont.

You will laugh abouit this after the second GW letter and they have gone away.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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hi abi82

I recently reveived a penalty charge notice in leeds from uk cps ltd. i wasnt the driver however I am waiting for all the threatening letters to arrive. I will be ignoring them too, so stay strong and don't pay. I have spent some time on here reading similar stories and I havent found anyone who has been taken to court by these [problematic].

Can you imagine if indeed they did take someone to court and lost. That would be the end of their sordid business as the media would have a field day and nobody would ever pay again. It is just not worth them taking you to court and losing so they will just try and bully you instead. They work on a percentages game. If a certain percentage pay, they make a worthwhile profit. Don't pay and stay strong !!

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hi abi82

I recently reveived a penalty charge notice in leeds from uk cps ltd. i wasnt the driver however I am waiting for all the threatening letters to arrive. I will be ignoring them too, so stay strong and don't pay. I have spent some time on here reading similar stories and I havent found anyone who has been taken to court by these [problematic].

 

You seem to have grasped the idea ;)

 

Can you imagine if indeed they did take someone to court and lost. That would be the end of their sordid business as the media would have a field day and nobody would ever pay again. It is just not worth them taking you to court and losing so they will just try and bully you instead. They work on a percentages game. If a certain percentage pay, they make a worthwhile profit. Don't pay and stay strong !!

 

They have:

 

Judge says Excel parking fines illegal - Mansfield Chad

 

Sadly though its not really a media storey that is likley to change anything and the Powers That Be don't seem to keen to actually sort the problem out. The DVLA certainly have a vested interest in so much as the get a few pounds for ever RK request they get from these PPC's. They won't want to stop the gravy train.

 

PPC's will continue for the forseeable future and unwary people will get caught out. Some who may even contact their local CAB and be told they have no option but to pay !

 

Best you can do is let family and friends know how the system works so they don't get caught out.

 

Blagton

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hi abi82

I recently reveived a penalty charge notice in leeds from uk cps ltd. i wasnt the driver however I am waiting for all the threatening letters to arrive. I will be ignoring them too, so stay strong and don't pay. I have spent some time on here reading similar stories and I havent found anyone who has been taken to court by these [problematic].

Can you imagine if indeed they did take someone to court and lost. That would be the end of their sordid business as the media would have a field day and nobody would ever pay again. It is just not worth them taking you to court and losing so they will just try and bully you instead. They work on a percentages game. If a certain percentage pay, they make a worthwhile profit. Don't pay and stay strong !!

 

Your are solid. Do not contact them or mention who the driver was on any forum on by PM to anyone. Loss in small claims means nothing. What we want is for them to win in small claims and then get appealed up to a court of record. They have to very careful who they take to court on the very rare occasions they try it on. the seeds of their own destruction lie waiting there :)

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first solicitors letter arrived yesterday - stomach is churning but i'm not going to respond.

 

i did see the parking guy on friday in the car park taking pictures of a car on his mbile phone! he was a big fella driving a lil peugeot.

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thanks

 

bit spooked out with letter it is really arsey:

Graham White

notice of intended legal action

 

You were written to by LDK Security and their agent Roxburghe requesting the settlement of a CIVIL PARKING CHARGE. Due to the absence of payment, or a valid appeal, our client has instructed us to proceed with legal action to recover amount due.

 

therefore, it is a legal requirement to send notice of INTENDED LITIGATION before legal proceedings are issued in the county court. This letter fulfils this requirement.

 

TAKE NOTE; the costs associated with issuing a claim is as follows:

claim issue fee £30

Solicitors cost for issuing claim £50.00

Judgment costs £25.00

Warrant issue fee £100.00

solicitors fee for issuing warrent £2.25

TOTAL ADDITIONAL COSTS £207.25

Any judgement registered against you could seriously affect your chances of obtaining credit in the future, as this information can be made available to any interested parties via the register of judgements, orders and fines and remains there for 6 years.

 

in the event of a judgement order not being adhered to, we may instruct Bailiffs to attend at your address who are authorised to seize goods for sale at public auction in the amount claimed plus all statutory interest.

 

please contact us with your proposals for settlement within 7 days to avoid the possibilty of this action

 

yours sincerely

 

michael sobell

solicitor

 

regulated by the solicitors regulation authority registered number 272121

 

so sorry to go on x

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If you do some word searches in the forum with some of the words in your letter, you will find that the same tat has been copied by lots of people on CAG. It's a standard letter with lots of "ifs" and "maybes" none of which will actually happen.

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as it says INTENDED LITIGATION, maybe sometime, maybe next year, maybe never

 

these **** of solicitors think they are some sort of god and you will do what they tell them

 

they wont go near a County Court with these cases , because they know they dont have a case in the first place

..

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Most of the people that are helping you have a LOT of green reputation

marks under their user names, in fact, Michael has the highest achievable.!

So take comfort from the fact that you're being well advised.

 

Please do continue to ignore as advised, as you're close to the end of the

process now before they give up and move onto another mug.

 

Good luck and best wishes, Dave.. :-)

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deep breaths and ignore

 

thanks - all your help is appreciated x

 

Swap your deep breaths for a Glass of Red Wine - no need to panick !

 

"Micheal Sobell" is a solictor who rather than use his own name trades using the name very similar to a rather more reputable firm.

 

You might also note on the letters you have that the phone number for Roxburghe is just one digit different to that you have from "Graham White" - strange that they are just a desk away from each other in the same room.

 

Fear not ;)

 

Blagton

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thanks, i really appreciate all the advice, sounds good to swap deep breaths for red wine too,

 

me thinks i'll have a look at the phone number bit on letters

 

thank you so much again, no doubt i will be back with another panic soon lol x

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HI SORRY HIJACKING THIS THREAD I GOT A PARKING FINE FROM COUNCIL DIDNT PAY SO IT WAS TAKEN TO COURT AND GOT FINE FOR £110 TODAY HAVE HAD A VISIT FROM PHOENIX COMMERCIAL COLLECTIONS LOOKING FOR £299.98 i told her i wasnt paying because my husband had paid the fine hes come home from work told me hr totally fogot all bout it what i want to know is cn they charge this amount thats nearly a 200% increase she just came to my door i didnt let her in she just handed me a piece of paper saying notice of baliff having visited

PLEASE ADVICE NEEDED

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HI SORRY HIJACKING THIS THREAD I GOT A PARKING FINE FROM COUNCIL DIDNT PAY SO IT WAS TAKEN TO COURT AND GOT FINE FOR £110 TODAY HAVE HAD A VISIT FROM PHOENIX COMMERCIAL COLLECTIONS LOOKING FOR £299.98 i told her i wasnt paying because my husband had paid the fine hes come home from work told me hr totally fogot all bout it what i want to know is cn they charge this amount thats nearly a 200% increase she just came to my door i didnt let her in she just handed me a piece of paper saying notice of baliff having visited

PLEASE ADVICE NEEDED

 

Somewhat of a different situation and not really connected to the OP of this thread.

 

If you indeed did receive a PCN - choosing to ignore a PCN, subsequent correspondence (Notice to Owner and so on) and not either paying it or challenging it in the correct manner will land you in doodaa.

 

I'd suggest you start a new thread and post pictures (with personal details removed) of the PCN you received - both back and front.

 

Blagton

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If you indeed did receive a PCN - choosing to ignore a PCN, subsequent correspondence (Notice to Owner and so on) and not either paying it or challenging it in the correct manner will land you in doodaa.

 

 

 

Blagton

 

is that not what i'm doing?

sorry i'm such pain

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is that not what i'm doing?

sorry i'm such pain

No, the ticket Blagton was refering to was issued by the Council (who have real powers). Not the clowns you are dealing with.

regards

P.S. You are NOT a pain.

Please remember our troops, fighting and dying in our name. God protect them.

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is that not what i'm doing?

sorry i'm such pain

 

Don't panick - you are doing the correct thing - sit back and have another glass of wine.

 

If you look again at my you quote you will see it was in responce to Ruthill who hijacked your thread with his own situation of a council issued PCN. This is not the same as a PPC issued Invoice.

 

Blagton

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