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    • 1 Date of the infringement 31 March 2024   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 8 April 2024   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received 15 April 2024   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Y   5 Is there any photographic evidence of the event? Y   6 Have you appealed? [Y/N?] post up your appeal] Y   Have you had a response? [Y/N?] post it up Y   7 Who is the parking company? Horizon   8. Where exactly [carpark name and town] Iceland Chester   For either option, does it say which appeals body they operate under. Horizon parking Horizon Iceland Chester.pdf
    • Part of a settlement agreement.   concerbs over her nane online we’re raised and I was blamed for bad mouthing. I explained I put nothing up myself.  cannot discuss details of the case as per agreement.  
    • The sticky thread is locked because it's just a template thread. We need to see the invoice you're disputing. And for you to answer the questions below (I'm guessing this is an ANPR capture, the vast majority of tickets are) -   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up both sides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY
    • Perfect, thanks Dave.   You're right, a whole dodo storm this has been. As sons of first-generation immigrant parents, whenever something like this happens the old man panics. There was a whole "appeal this now" because my dad paid for the parking as he was with the hirer at the time and he isn't as tech-savvy as my brother so he ended up doing what he did and because I don't live there anymore it came all the way down to this.  But yes, we'll do this SAR and see what comes of it.  Will keep posting here with the hopes that it may benefit someone in the future.  Thanks again, everyone. 
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BLS Credit Security Ltd and me


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My story is this so far. In 2000 i got into substantial debt with my lloyds account, £19500. Since dec 2001 i have been paying BLS each month an agreed payment. In feb this year 2009 i was struggling financially so stopped paying. The payments were reinstated in October 2009. On 17th Dec 2009 Credit security ltd wrote to me asking me to contact me re LLoyds account. (the same account)

My query is what to do next. Bls are receiving payments, although i had not paid for 7 months, and they did not contact me about this.

I am presuming that they have passed this on to ceredit security ltd.

Do i contact credit security ltd and tell them that i am paying BLS or do i cca credit security Ltd ? I am happy to pay the money, just not sure who is handling the account now and dont want to be paying Bls if someone else owns the account now.

Any advice would be appreciated. Thanks

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I am still not sure what to do about this account.

 

Credit security LTD are asking for £6000 (the outstanding amount on the agreement), but money is still being paid to BLS.

Do i write to Credit security with "i do not acknowledge any debt with you" and explain that another dca is managing this account?

 

Do i contact BLS and see if they have passed it on?

 

Any advice would be greatly appreciated. Thanks

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  • 2 weeks later...

Credit security have contacted me again today second letter from them.

"Despite me disregarding all attempts by them to contact me, the are prepared to give me a 70% discount if i pay and settle the account before end of January"

If not then will have no other option but take me to court.

 

Time for cca letter?

Do i stop payments to BLS, who incidently would not give me any info over the phone when i tried to find out if the debt had been sold on.

Any help would be great. Thanks

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Credit security have contacted me again today second letter from them.

"Despite me disregarding all attempts by them to contact me, the are prepared to give me a 70% discount if i pay and settle the account before end of January"

If not then will have no other option but take me to court.

 

Time for cca letter?

Do i stop payments to BLS, who incidently would not give me any info over the phone when i tried to find out if the debt had been sold on.

Any help would be great. Thanks

i would cca the dca trying to collect ,and then sar bls the oc of the account.

please only contact any of these leaches in writing as they will tell you one thing then do the opposite.

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if i cca credit security and they cannot produce the cca, do they refer it back to bls, or does it go back to lloyds because the debt has been sold on?

CCa letter done to credit security, letter to BLS asking for confirmation that they sold the debt on. Meanwhile i will cease payments to BLS, and put the money aside forever who decides to lay official claim to it.

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  • 3 weeks later...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

Update:

Yesterday i got a letter from Halifax thanking me for my statutory request? Never made one! Talked to their complaints department to find that it was credit security ltd aksing on my behalf!

Do halifax own lloyds tsb now? The lady said they have no records on me so were unable to provide info to cred sec ltd.

I have heard nothing from cred sec since my request in january.

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No Lloyds own Shallowfax, I believe?

 

Hmm, Not sure whether it would be best to let sleeping dogs lie or go for the crown jewels??

 

So CSL have been requesting info from Shallowfax on your behalf? Have you asked CSL to do so?

Unless they mean the CCA request you made, and they failed to supply.

 

Is there anything on your credit file? If there is any marker put on there by CSL or others for that matter relating to this then I would be telling them to remove it before I took them to court for damages..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Fraud department at Halifax siad that CSL requested a copy of CCA on my behalf. Letter with my adresss and details but sent from CSL. I asked CSL for CCA in Jan, but no response from them.

Nothing on file. No defaults or anything. Should BLS defaulted before selling this on?

I just need to wait to see what CSL do.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Received a letter from CSL today on LLoyds headed paper.

Statement from 4/09-4/10

Loan provided : unavailable interest rate 0%

Terms of agreement :unavailable

Opening balance £6000 or therabouts

Closing Balance £6000 or therabouts minus one payment. ( I made 3)

 

Says statement does not conatian all information, and if i want it, to contact them again.

 

Next step.... failure to provide letter and account in dispute letter?

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  • 3 weeks later...

No, wait for their next threatogramme.

 

Just been reading back through the thread, can you just confirm that this is for a current account and overdraft? And not a loan or credit card?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes, the Loan and Overdraft will fall under the CCA, the current account however, I'm not entirely certain, someone else will be better placed to answer that.

I know that a lot of people will disagree that an overdraft falls under the CCA, and yes it does have certain exemption, but this might back me up :rolleyes:

Esp part 17-22

Coutts & Co v Sebestyen [2005] EWCA Civ 473 (28 April 2005)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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When i say current account ,I had a current account that was overdrawn. Each time i became overdrawn my nice bank manager propped me up with a loan or increased my overdraft facility.

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