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    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
    • How about -     Dear Will & John,   Re: your reference XXXXX, vehicle registration XXXXX   cheers for your Letter Before Claim.  I rolled around on the floor in mirth at the idea you thought I would actually take such bilge seriously and then cough up.   Now you know and I know and now you know that I know all the reasons why these residential parking claims are utter pants.   Your thicko client, UKPM, have been hammered in court so many times in these cases, but if they haven't learnt their lesson and want another thrashing, fine, bring it on.   I see the government this week dropped tests for fully-vaccinated travellers returning to the UK, so if your client is daft enough to take me to court then I will delight in tolchocking them, then obtaining an unreasonable costs order under CPR 27.14(2)(g), spending it all on a foreign holiday, and then laughing at your client's expense while I down my aperitivi.   I look forward to your deafening silence.   COPIED TO UK CAR PARK MANAGEMENT LIMITED     Gladstone's and UKPM are well aware of where these letters originate from and that they would have a real battle on in court, so lately have always run away ... although of course there are no guarantees.   However, hang on through tomorrow and see what the other regulars think.
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Today received a "Limited offer"

 

By responding within 30 days-I could get up to 30% if I settle my account

 

(Ex Vanquis and one I have been disputing for the last 3 years ):rolleyes:

 

 

Goes on to say

"Alternatively we may be able to offer you an attractive repayment plan which will enable you to repay your outstanding balance within 5 years"

 

What ??? and be faced with another 5 years of monthly threatograms ...no thanks

 

Actually its stat barred in a few months in any case.:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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And I've heard folk here talk ill of DCA's, they are 'The milk of human kindness' there always thinking of us.:rolleyes:

 

You may well get a further offer in December when they do their biggest ever Christmas sale.
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Hi Martin,

 

I bet you can't believe your luck:D

 

Yes quite a suprise.

Almost as good as Asda's price guarantee.....:lol:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Not, I note, an invitation to join their Loyalty Programme as per AK;)

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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The best one was the lottery a few months back-allowed you the chance to win your account-anyone remember that one ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Who was it who did the lottery? That's one of the silliest ideas I've ever heard - even by DCA standards.

 

Now, if I won the lottery (assuming that I'd have enough spare money to do so), I might have to buy a DCA. Then, tell all the staff that they're unceremoniously fired in particularly curt and direct terms - oh, the satisfaction.

 

Something like the newspaper editor in CAPRICORN ONE.

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I'd buy a DCA and turn it into a 'Greengrocers':D

 

 

quote=F_DCAs;3024641]Who was it who did the lottery? That's one of the silliest ideas I've ever heard - even by DCA standards.

 

Now, if I won the lottery (assuming that I'd have enough spare money to do so), I might have to buy a DCA. Then, tell all the staff that they're unceremoniously fired in particularly curt and direct terms - oh, the satisfaction.

 

Something like the newspaper editor in CAPRICORN ONE.

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Speaking of bidding, wWho would like to start the bids on which DCA is next to go to the wall?

 

6/4 - Aktiv Kapital

4/1 - Intrum Justitia

8/1 - Lowell

15/1 - Meritforce

 

 

Place your bets now!

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I've also had a 30% discount offer from Cabot. Now, let's work this out. They paid Goldfish about 5%-10% for an account that had a face value of about £3,300 (actually is was £0 but that's another story). Since then, they've added about £500 in interest and now they are offering me 30% off an account with a balance of £3,800, so they make £2,700 for doing nothing.

 

Not bad business if you can get into it.

 

By the way, if I won the lottery and could buy a DCA, I'd flog all of the accounts back to the debtors at what I paid for them if they wished to purchase.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Today received a "Limited offer"

 

By responding within 30 days-I could get up to 30% if I settle my account

 

(Ex Vanquis and one I have been disputing for the last 3 years ):rolleyes:

 

 

Goes on to say

"Alternatively we may be able to offer you an attractive repayment plan which will enable you to repay your outstanding balance within 5 years"

 

What ??? and be faced with another 5 years of monthly threatograms ...no thanks

 

Actually its stat barred in a few months in any case.:D

 

Hi Martin

 

Nice offer from my good friends at Vanquis.........

 

I have also been fighting them for the last year over payment protection insurance that I never asked for plus charges and ove-limit fees at 50% APR. After getting them to admit that PPI was never requested, I have issued a small claim in Scotland that is sceduled to call before the court in mid August.

 

I am also going for compensation and damages since they have posted defaults on my credit file, using the Durkin judgement.

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Good Good.

When was your Vanquis account opened ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Also have you addressed the data protection issues as part of your claim ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Good Good.

When was your Vanquis account opened ?

 

Dear Martin

 

My Vanquis account was opened in May 2005.

 

I did not address te data protection issue but have hit them with damages to my credit rating (Durkin).

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Ah ok.

Think mine was around 2004.They failed to comply with my SAR-not sending everything.

Next thing I knew they sold the account to CABOT-who are in breach of a CCA request.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ah ok.

Think mine was around 2004.They failed to comply with my SAR-not sending everything.

Next thing I knew they sold the account to CABOT-who are in breach of a CCA request.

 

Hi Martin

 

Now you mention it, their responde to my SAR was very poor, no statements and just a few screen prints. They did however show 3-4 calls a day to my mobile over a two month period.......

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Hmn but trying to contact THEM was not so easy-I remember that well-couldnt get hold of anyone and they only had one number showing for their Sunnydale offices.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hmn but trying to contact THEM was not so easy-I remember that well-couldnt get hold of anyone and they only had one number showing for their Sunnydale offices.

 

Well Martin, I will have my day in court with them in mid August, I am really looking forward to it....:D

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Yes will be watching with great interest.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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