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    • 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 17th, 18th and 22nd September     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 24th, 24th and 28th September 2020   [scan up BOTHSIDES as ONE PDF- follow the upload guide]   3 Date received 26th September (for the ones dated as the 24th) 30th September OR 1st October, i'm unsure as I was not present at home from the evening of the 29th until the evening of 1st October (for the one on the 28th)   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes, on all of them   5 Is there any photographic evidence of the event? They have captured two photos of the event for each date clearly showing my registration. The surroundings however are not present as the photos have been taken at very late hours.   6 Have you appealed? [Y/N?] post up your appeal] No   Have you had a response? [Y/N?] post it up ^^^ N/A ^^^   7 Who is the parking company? Minster Baywatch   8. Where exactly [carpark name and town] Cotswold, Lakeside Car Park, GL7 5LU   For either option, does it say which appeals body they operate under. There is a BPA logo present at the bottom of each letter
    • Apologies for the delay it took a while to cut and also get to size, i have to split it into 3 parts as i couldnt get it below 4.88mb   Part 1 Trial Bundle upload part1.pdf part 2 Trial Bundle upload part 2.pdf part 3   Trial Bundle upload part 3.pdf
    • read upload it tells you how as long as we can read the NTK's etc clearly  must be PDF for us to zoom
    • 6 years... damn that surprised me.. if I do hear anything else I will let you and everyone on this thread know about it. My defense would be they didn't have planning permission at the time of the fine but I'll just go with the flow and see how it goes.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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TOWER CAPITAL have tricked me

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OK so basically I have an ongoing dispute with TOWER CAPITAL LIMITED, I took a payday loan out with them some time ago & I defaulted on the payments.


I asked if I can pay £20 per month (£250 outstanding balance) and they said that if I increased the payments to £50 per month they would not take any further action (meaning no register a CCJ against me!)


So I set up a standing order thinking everything was OK with the payments, my first one came out 1st September ok and cleared, I then receive papers from the court about a CCJ being registered against me, I had filled in forms I had received from the Money Claim Online that they did, but they said I should fill these forms in and send back and then if I keep to my £50 they would not register a CCJ against me, and they have done.


I am really angry about this, and they just don’t seem to be helping me, I have evidence that they have said this and confirmed to me many times that they will not register a CCJ.


I feel tricked and deceived by them!


I have put in a complaint with the Financial Ombudsman and also have sent a letter to Northampton Court with emails from TOWER CAPITAL attached.


What else can I do to get this CCJ removed?


I am desperately trying to clear debt and get back on straight and this has really set me back a lot!




Wish I was rich....... :(:(

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Yep - this is what they have said and I have sent this to the courts and the FO.


They have just emailed me saying they will accept £150 settlement figure, but this is not through the Courts, I think they are taking me for a ride & as a result I have a CCJ registered now!! :mad2::mad2::mad2:


Dear Miss Farrell,

We cannot cancel a claim, however should you not make payment as agreed we will then apply for a full county court judgement. You currently do not have a full CCJ, as mentioned below the claim registered against you had had already been done. BY increasing your offer to £50 per month, we agreed that we would not apply for a full County Court Judgement

If you can make a one off payment off £155.00 on your next pay day we will accept this as a full and final settlement, we will then get in touch with the courts and advise them that this matter has been resolved. This is a concession of £175.00

Kind Regards

Wish I was rich....... :(:(

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What is the difference between a CCJ and a full CCJ??


If you have a letter from them confirming no action and you can prove you have kept to the agreement the court should have to remove the CCJ.


If you decide to take them up on the final settlement figure still change your account dont trust them not to take more money afterwards, the CCJ episode tells you they cant be trusted.

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Yes I have a letter from them confirming they won't issue a CCJ.


I have paid them by standing order, so I have proof that I have paid them...


They are taking the :mad2::mad2: realy unfair!


Hopefully the court will remove the CCJ once they have seen the letter & evidence I have sent them :sad:

Wish I was rich....... :(:(

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fingers crossed for you.


maybe there is another thread on this site that can help you with the court, can any one help with that???????


First of all just because they want to take you to court doesn't mean they will win. For example their default notices are usually invalid as rarely give the 14 days plus 2. They can't register any CCJ without the court awarding it to them. Even if the court did you would have 14 days to pay in full and the CCJ would not exist.


I would be tempted to follow the courts proceedures and defend yourself on the basis thay have deceived you. I have a thread on here somewhere where I beat them in court (legal forums) and know of at least one other CAGGER who got the same result.


They may have registered a default against you and you would need to check your credit report to see if they have. Then you can challenege this if need be.


Only you can decide if their settlement offer is fair to bring an end to this.

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This awful company at its worst, hey Rob!


I took on and defended against these following help from fellow CAGGERS and had my case struck out.


My advise is defend if court papers are offered. you have emails showing you are being reasonable with your offers and you have proof that they are trying to deceive you. As per Robjam's advise, check your DN. I did noty mention mine in my defence but it was incorrect so that was another string to my bow.


Tower will not give in but if you defend and share your experiences on here, you will get sound advise and will be able to take them on if it gets that far.



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