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    • Name of the Claimant ? Abu Dhabi Commercial Bank   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 20 Nov 2019    Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - XX + 19 = 08 Dec 08 Dec + 14 days = 22 Dec 19   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total    Particulars of Claim The defendant owes £25k (debt under a credit card agreement with ADCB dated xx/08/2014 despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £25k and also claims interest thereonpursuant to section 69 of the country court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £2000.   What is the total value of the claim? £27900   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes - left Dubai   Did you inform the claimant of your change of address? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After - Aug 2014   Do you recall how you entered into the agreement...On line /In branch/By post ? Representative of bank visited at my place of work with all documentation.   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Not sure - Can’t see it on Clearscore (Equifax), only have basic Experian app (not Credit Expert).   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Note sure; don’t think so. Moriarty claim to have “been instructed on behalf of ADCB”   Were you aware the account had been assigned – did you receive a Notice of Assignment? No; only had a letter, then a Final Demand, then the Claim Form and another letter )all from Moriarty)   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? I was made redundant so had to leave UAE to return to UK. Despite me advising  ADCB’s ‘agents’ (DCAs etc) I had no savings, couldn’t find any work nor borrow money to make repayments and was presently in a DMP, I was requested to make a payment as a “good faith” gesture and then they would agree that the sum would not accrue any further interest and subsequently enter into an “affordable agreement”.   Despite my intention to offer any possible solution that I could manage - e.g. merging into my DMP - ADCB were not interested and it reached an impasse.   The payment I did make incurred high charges (SWIFT payment) so I requested if I could pay by card or a method that would not incur high charges. I also offered to agree to % of any future income earned as well as a regular affordable sum. I was advised this would be possible, but all promises made to me proved to be false and so despite me communicating my situation to ADCB all I was offered was to enter into an agreement that I could not afford or ‘final settlement’ that I also could not afford. In addition to this, I’ve had all sorts of obfuscation, misrepresentation and false promises - esp. relative to Central Bank Listing, police case and suchlike -  that I was only promised would be “cleared up” should I make payment. So the situation reached impasse - I wasn’t getting any sense or manageable proposals and I certainly couldn’t afford to keep paying the amounts suggested (especially incurring £20+ charges each time).   What was the date of your last payment? Jul 16   Was there a dispute with the original creditor that remains unresolved? ADCB didn’t seem interested in the litany of  questionable methods employed by their representatives - e.g. misrepresentations, fraud, deceit - and my suggestions of possible solutions (DMP or % of future income) were ignored, rather they just kept wanting money I didn’t have to ‘hold off’.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - see above; I advised them I had lost my job, could not find employment, had no savings but would be agreeable to adding to my DMP OR perhaps agreeing to a payment plan on a % basis of any future income.   QUESTIONS Do I need to get a full Credit Report from Experian or Equifax (other than the apps)?  
    • I have had so much help on here in the past with Halifax and Paragon. After my win in court last october with Paragon they sold the debt to Mars Capital. I haven't had much to do with them yet but i know they are a vulture fund, they buy these loans at a cost. I want rid of it. The original loan was £35 k and paid in multiple payments to people i owed money to and some to me. Ive had high levels of arrears for at least 10 years i think . Are they adding interest to my arrears? does it go on balance - it says i now owe £54 k when i have been paying since 2007. I have high levels of chargers on there which i need to add up and ask to be deducted. If i worked out how much i had paid and offered them £12k or less are they no likely at all to take it or will they still expect £54k.  I want to offer a lump sum to get rid of it this year but there are so many issues with this loan - i SAR them back when paragon had it but i don't want to rock the boat - but if they don't have the credit agreement do courts still view this as unenforceable ??? should mars keep to the same rate that the original lender took loan out for??  I have threads on here going back years - the loan was with Advantage then to ADV2 then paragon now Mars Capital , a company called loan makers sorted out the secured loan - they were not paid by myself the fee was put on the mortgage / loan i think
    • Can I just leave it as saved and not submit or do I need to delete everything?
    • don't file yet not needed till/by 4pm tomorrow   let andyorch check things over 1st    
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gblue

PCN from Parking Eye, Aldi Stores.

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Hi everyone, Im new to this. About a week ago I parked in an Aldi store and was there for just over an hour. It stated that I had been over the allocated time of an hour and a half and I have to pay £70 or pay £40 within 10 days and that would be that? Has anyone had any dealings with Private Eye and what should I do? Thanks:(

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• do not pay

• do not contact them

• ignore their threatening junkmail

• ignore the rubbish from their powerless debt collectors

• they will give up and go away

 

Parking Eye are well known

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Are they well know? I had a look at their website and they seem legit...how can they work like this and be allowed? Have you had experiences with them in the past then? Sorry for all the questions just annoyed and need some answers!:)

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Spend some time on all the posts here, you will a lot of people in your situation who have ignored the invoices and eventually they just go away.

 

It has been stated that 70% of people pay up when they receive these invoices, fortunately, the other 30% are wise enough to realise that a private company can not impose a penalty on anyone!

 

Who is going to stop them? DVLA sell your details for £2.50 a time and make £6million a year from it, it certainly wont be them!!

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I've spent most of the morning looking at the various posts and the common theme is IGNORE the letters and requests! So I will do that, I am just annoyed that this country lets these illegal businesses hassle people and the weaker ones will pay and not think twice. As for the DVLA what a waste of time they are!

Are you suggesting that I dont even aknowledge that I received the original letter?

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Are they well know?

 

Quote from Al27 that you have just read:

 

Parking Eye are well known scamsters

 

I had a look at their website and they seem legit...how can they work like this and be allowed? Have you had experiences with them in the past then? Sorry for all the questions just annoyed and need some answers!:)

 

Use of the Search facility on here will result in oodles of threads and messages with regard Parking Eye and other Private Parking Companies (PPC's). They all operate with the same business model - scare you into paying.

 

The advice you receive for a Invoice from any of them is the same:

 

1. Ignore

2. Ignore

3. Goto 1

 

You (or the Registered Keeper) will receive a few letters from them initially, some perhaps with red borders and wording to worry you followed by a few more from a Debt Collection Agency threatening all manner of nasty things will happen to you (none of which will) then finaly, you might get a few more from some solicitor after which they will realise your not going to bite and move along to somebody else.

 

You parked in a Free Car Park - you overstayed by an alledged period of time and denyed somebody else use of that free space at a cost of nothing therefore the potential loss to the landowner/operator was nothing. Under contract law they can only claim their losses which as we can see is - nothing !

 

Their claim for £70 or whatever they try it on for is meaningless. Aside from that the alledged contract was with the driver of the vehicle, the only means they have of contacting anybody to try and obtain money is by contacting the Registered Keeper (as the DVLA will happy take a few pounds from Parking Eye for this information) - if the Registered Keeper was not driving they have no obligation to say who was therefore Parking Eye have no one to chase - despite what they may suggest in correspondence they will send you.

 

Blagton.

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Are you suggesting that I dont even aknowledge that I received the original letter?

 

Yep - wasting your time and the cost of a letter and postage. [1]

 

Sit back and just wait for the well documented junk follow.

 

[1] If you did want to write a letter then something to your local Trading Standards and MP telling them you consider the DVLA providing your details to PPC's is not "just reason" and in breach of the DPA and finally Aldi stores telling them you will use Lidl instead might be better use of your time.

 

Blagton.

Edited by Blagton
Added [1]

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Thanks for all the information lads. What sort of timescale are we talking here in terms of this going away, etc

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5/6 letters over a 4 or 5 month period.

 

Under contract law a party is allowed to claim any actual losses they have suffered. Your actions have cost the other party zero pounds. The amount demanded by parking eye is defined as a penalty - a punative charge - which is not legally enforceable (see Dunlop vs New Garage 1913).

 

Practically though, all the company does is buy addresses from the DVLA at £2.50 a pop and send out threatening letters. The law doesn't come into it - they just prey on motorists. Feel free to complain to your local Trading Standards.

 

This [problem] originated when the government started selling addresses to anybody who wanted them. They pocket millions each year so are happy to let the [problem] persist.

 

It's pretty obvious the current lot will be out in May (although personally I don't think much of the other side either).

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Parking Eye - definately ignore.

 

Local Morrisons carpark is run by this bunch and word is spreading that ignore works well

 

This originated when the government started selling addresses to anybody who wanted them. They pocket millions each year so are happy to let the [problem] persist.

 

It's pretty obvious the current lot will be out in May (although personally I don't think much of the other side either).

 

And will change precisely nothing as they have their expenses to fund as well :D

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Thanks for that Al27. I just emailed my local trading standards and also my MP, so will see what they advise me. Its disgusting that they are allowed to work in this way and the gov'ment actually let them do it to make money!?

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Thanks asmodeus...is there anyone on here who has ignored Parking Eye and has a story to tell, right through to them giving up? any information would be cool to read...;)

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Thanks for that Al27. I just emailed my local trading standards and also my MP, so will see what they advise me. Its disgusting that they are allowed to work in this way and the gov'ment actually let them do it to make money!?

 

Lets see how knowledgebale they are then :eek:

 

You might notice that your V5 states your information may be given to anybody who asks for it and which the DVLA consider "Just Reason" (and for PPC's they do).

 

At £2.50 x however many requests the DVLA get per year the chances of anything changing are, well - you take a guess :mad:

 

Blagton

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Thanks asmodeus...is there anyone on here who has ignored Parking Eye and has a story to tell, right through to them giving up? any information would be cool to read...;)

 

Well I've ignored four of their useless invoices and the story is always the same, they send three letters, an outfit called CCS Collect send two or three letters threatening court action, CCJs, bailiffs, kidnap your dog, sell your kids into slavery, stop you getting credit for the next hundred years etc etc, then you just dont hear from them again.

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Hanley thanks for sharing your story, its much appreciated. Im just ashamed of this government to allow this to happen to people...its inexcusable...I'll await the letters and keep this updated for future people who try and get ripped off..

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I'll await the letters and keep this updated for future people who try and get ripped off..

 

Thats the idea. Now you understand its a [problem] tell all your friends, relatives, colleagues etc. Its the only way to put the **** out of business.

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Ignoring them hurts them the most.

regards


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

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parkin eye.jpg

 

Hi Guys, This is the first letter I received from the Parking Eye crew...is it the same as everyone else? I'm going to ignore it anyway just seeing if anyone else has received the same? Cheers:)

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It's the usual blag. Just carry on ignoring them, trust me, they really hate you doing that.

regards


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

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Second letter from Private Eye..anyone else have a similar letter?

img-Z101117-0001.jpg

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not one that small :)

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sorry about the size of the jpeg, Im unsure how you increase the size after I scanned it lol

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It's the standard issue toilet paper. File with the rest.

regards


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

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Yes standard 2nd letter. Next one will be from CCS:

 

ParkingEye0003.jpg

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Thanks had that exact same letter from them last week lol....shall i ignore it!?:)

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