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    • I've had another look at their WS and as it definitely states that they are pursuing you as the keeper in point 19 they must lose their case because their PCN is not compliant with PoFA on two counts.  First is the fact that they must have a parking period and it is quite clear that entering and leaving the car park does not constitute a parking period since some of the time the motorist is either driving around looking for a parking spot then leaving the spot and driving to the exit. All that takes time so that is one fail. The other fail is in their wording when they are trying to transfer the liability of the alleged debt from the driver to the keeper. They are supposed to include at Schedule 4 s9 [2][f] this "(if all the applicable conditions under this Schedule are met)". That in itself makes it non compliant but the fact that they haven't got a parking period means they haven't met the applicable conditions.   Looking at their contract, the names of the signatories and their positions in their respective  companys have been redacted. You do need strict proof of who actually signed. There is no specific authorisation from the Client to allow Court action in pursuit of non payers. In section 11 which is like an addendum it states" the Company shall provide parking control" but doesn't state if that includes legal pursuit as well and it does not appear to be signed.   The entrance sign does not include the T&Cs so it is only an offer to treat  not  an offer of a contract. Their only appears to be one type of sign inside the car park which is unusual and a lot of the signage is in too small a print to be acceptable in Law as capable of forming a contract. The signage also includes unlawful demands for extra charges which makes the whole contract invalid.  PoFA 2012 made it quite clear that the maximum  amount claimed was the amount on the sign. This has been reinforced by the Private Parking Code of Practice which states that no extra charges can be made over the signage figure. Indeed a Government Minister is quoted as saying that the extra charges demanded by parking companies are "a rip off" yet they still include them. They are an abuse of process and should be subject to adding exemplary costs payable to the motorist to act as a deterrent to rogue car parking companies.   They have no planning permission for their signs and ANPR cameras which means that in addition to them being unlawful because of the extra charges they are also illegal because they have not been given permission to be there under  the Town and Country [Advertisements} Regulations  1969. They are supposed to comply with the Law and the IPC code of Conduct and they have done neither. The new Private Parking Code of Practice  draws attention to it as well  s14.1 [g]  "g) responsibility for obtaining relevant consents e.g. planning or advertising consents relating to signs."   So it is not as if this is a secret-since it has been out since February 7th 2022 . You would have thought that as this Code was designed to root out the rogues in the industry that the parking industry would already have made adjustments to their activities in order to align themselves with the will of Parliament as proposed by Minister Neil O'Brien  who said   "The publication of this Code therefore marks the start of an adjustment period in which parking companies will be expected to follow as many of these new rules as possible."   Ignorance of the Law is no excuse but even Gladstones are surely aware that the extra charges are unlawful  it beggars belief that they can aver that they have told the truth on their WS.
    • Evening all,   I am looking for a little bit of advice, any would be appreciated. I am a bit hesitant in giving all the in's and out's as I am not sure of the forums procedures and I do not want to compromise my situation.   Basically as a result of a few issues in my life inflicted/self inflicted I ended up in a bad situation financially. A company brought a debt off a lender I had used and took me to court, I really mis-managed this and although I attended court with a case the verdict went against me. I accepted this but never heard anything back from them and admittedly as I was struggling didn't pro actively seek them out to make payment. So, on my Credit report I had a CCJ due to expire Sept. 2022, which I associated to that particular incident. Anyhow, I have recently received a Notice of Application for Attachment of earnings order, however, this is regarding a completely different debt/Court procedure to the one I participated in. The creditor, to my knowledge has never contacted me and until this week I have never received any correspondence to this case from the creditor or county court.    Basically, I was just after a bit of advice, on how to go about this. I am worried that if my employer is advised of the CCJ, it makes my position uncomfortable, maybe untenable which will only be negative to my situation.    So can I still contest this and possibly get it removed via the courts, can I delay it for 3 months to get it statue barred, do I pay the whole amount (to a company whom brought it at a pittance) or do pay it off and if so, can the figure be negotiated and how long would it affect me credit score?   I apologise for the number of questions, and appreciate any advice. My concern is the application ruining a very good job for me.   Thanks in advance
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Ppi Problems Premium Reclim

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in march 2009 I asked Premium Reclaim to proceed with several PPI claims against the Black Horse.

I did not recieve updates or info until I chased them several moths later.

They informed me that the claims were in progress.

In dec I recieved an offer after again chasing them for 1 of the clams,

When I asked about the others I was told there where none, then they had lost them, then they found them, but they had lost my authorities that i had signed.

I am very unhappy with the service, with there attitude, with there lack of profesionalism, with there aggressive tone now that i have to day found they do not have or have not tried to get responses to all the claims.

Please see attached e mail.



I have waited over 12 months for you to deal with my applications

Your comapnay lost the loan information at one point and my signed authority.

I am deeply dissatisfied with your service.

I with draw my authority from you to proceed any further

You seem disintrested in proceeding and lack any enthusiasim to complete the work required.

I am very unhappy with the service I have recieved and request that you return all documents immediatley.




Firstly I must point out that the majority of your instructions were given to us on the 24th February 2010, I enclose an example agreement. As less than three months has passed since this date I do not agree that undue delays have been caused, particularly since we are required to wait 14 days for the cooling off period - during which you are entitled to cancel the contract without penalty.

Secondly we obtained a very good offer for you almost 6 months ago, which you have consistenetly declined to accept. Even today you are still refusing to accept that offer on the basis of wishing to know what other offers you may receive. I fail to see the logic of this course of action as it should not alter your decision either way with regard to this loan.

As matters stand there are fees due for canceling your contract with us, set at a minimum of £895+vat per case. Please bear this in mind as we will pursue lost costs against you should you cancel the contract. Should you still wish to cancel please advise us of this, alternatively we can complete the work on your current instructions on a no-win, no-fee basis. PLEASE CAN YOU ADVISE ME CAN I COMPLAIN TO OMBUNDSMAN? THANKYOU

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Moved to the PPI Forum.

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

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what a bunch of fleecers!!!!


£1k per case


write to them stating you wish nothing more to do with them and remove any authority you gave to act upon your behalf.


tell them you are now doing it yourself with the help of CAG & should they wish to persue their extortionate and unlawful fees CAG and its member will also help squash their attempts to fleece you further.


+£1k per A/C ......what fleecers!!



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Thanks for reply.

The terms and conditions where 25% payable for a succesful claim.

THe only policy they pursued was the last one of 7 and offer was for approx £700 which they wher going to take off the arrears i had at black horse. It was a no win no fee basis, as stated on their web site also.

I also sent and have never had a response to 2 mortgage ppi also.

One was with GE money and I was assured in feb they would chase it up as they had had a lot of success claiming from GE.

They are slow to respond to emails or phone mesages and i think i have been more than patient with them.

Yester day they claimed that if i accepted £700 offer which they basicaly said i should and why on earth was i not accepting it they would charge me £500? thats not 25% is it?

I will if you ned post the terms tommorrow as i do not have them with me at present.

Thank you


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p.s I did send an email tellimg them i wanted to remove the authority and how diappointed i was at their service and attitude yesterday after spaeking to them by phone. Thats when i recieved the above email.

Should I reply to it and how please.

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whatever you do do it by writing not email.



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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There must be more to the the terms and conditions than just the one line that you posted up. But based just on just that and providing there is nothing else in the T&C's they have no right to charge you anything for cancelling especially when they have lost your authorities, have not started on the claims process and therefore not actually started on your claim.


I really do not blame you for wanting to take this away from them as that is madness that they can just loose paperwork and not provide a customer service.


My suggestion is to write a recorded or special delivery letter advising them that you do not want them to deal with your claims due to their inefficency and that you are not going to pay them anything on cancellation for any of your claims.


Tell them that if they persist in their stance of trying to charge you for cancellation of their service, you will report this matter to the Ministry Of Justice and I would allow 7 days for a response.



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No problem Annabelle, just let me know how you get on and if they still persist with their stance of charging you I will give you the relevant details for complaining to the MOJ.




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The FOS advise against Claim Recovery Companies. Whatever you may think about the FOS (most grumbles are I believe about the time taken to resolve complaints and the fact the FOS will not entertain claims for contractual interest.)


The FOS is an easy way to claim your mis-sold PPI money back. Gather the information fill in the form with as much detail as you can and leave it up to them. I believe there has most probably been more PPI claim money returned to consumers by the FOS than going through the Courts.


There are good points to both but for the Litigant in person I believe the FOS is a fire and forget solution. The FOS on a recent radio programme stated they were aware that there were probably 2,000,000 people still out there with PPI policies that were mis-sold.


Time to get some more money back then :D



I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.


Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement


PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc


1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***


Please do not PM me for advice as it may be sometime before I can respond.


Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.


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terms are 25% plus vat for succesful claim

if claim reduced or cleared pay 25% of reduction.

no where does it say if i refuse offer or cancel do i pay their ridiculous figures above.

Surely i have the right to refuse an offer in law.

I do not believe they have acted in my best interests or actually done what they have promised too.


I can not afford legal help what can i do?

are they just trying to put pressure on me?

are they doing anything illegal?

Please advise i am very worried:???:

Edited by annabelle22
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