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    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
    • Frankly I think you should go to a hearing unless you feel especially nervous . If you have any worries then you should follow our link to find out about a county court familiarisation visit     You shouldn't forget that county Court judgements are very helpful but they are not binding. They are only persuasive.  It is difficult to see you losing but it might be better to be there in order to counter any arguments from the other side
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help fight against wheelclampers


rumpole
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hi all

i live in a small mews area in a privately owned house, the area has flats which are managed by a property management company. they contracted a company called PARKING MANAGEMENT CONTROL(UK) to wheel clamp in the parking area. my car was clamped despite the property management companies manageress saying that my car was ok to be parked where it was. she even told the clampers on the phone to remove the clamp but they refused so i had to pay and then appeal... the appeal was refused by the clampers, i then took them to the small claims court and won (they didnt turn up) the judgement states they should pay me £313 within 14 days . i have spoken to the clampers to ascertain their intentions and was told that their legal dept would be in touch but would not give name, address or phone number of their legal department. date of CCJ was 18 oct i am considering my next step, any advice from the forum would be appreciated

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Dear rumpole,

 

Thank you for your post.

 

The registered office address for Parking Management Control (UK) is:

 

PARKING CONTROL MANAGEMENT (UK) LIMITED

THE COURTYARD

1A CRANBOURNE ROAD

SLOUGH

BERKSHIRE

SL1 2XF

 

First thing you can do is send a Recorded Delivery letter to the above address and let them know that you are prepared to wait seven working days for them the pay the outstanding amount.

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If you do not receive a satisfactory response, then you can apply for warrant of execution.

 

Warrant of execution is probably the easiest option for you in this instance. Warrant of execution empowers a Court bailiff to attend the debtor's address to seize goods, which then are sold in order to pay the outstanding sum of money to you.

 

You can submit for warrant of execution online via Money Claim Online. You will have to pay a fee, which then will be added to the amount owing. If you would like to know how much warranty of execution will cost, before you apply for it you can call Money Claim Online on 0845 6015935.

 

If you would like additional help on how to apply for warrant of execution online, please post your question here and CAG members will be happy to help.

Edited by howardhewit
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thanx for your reply HH, i had the same idea as you suggested, but in my letter i have given them 14 days to respond, and i have sent it to one of the directors who has been named in their defence of the county court case, and have used the address that is also named in the defence. i have done a little research into the background of this company and there are several addresses they quote. i have also managed to find out that they are members or approved operators of BPA British Parking Association, Institute of Parking Professionals and the Security Industry Authority, the first 2 are pretty toothless in disciplining members but the SIA has the power to remove their authority to clamp. in my letter i have stated that i may correspond with either or all of these if they dont cough up. i think that a warrant of execution may be bit difficult for county court bailiffs to enforce as i would bet money that the office they operate from has nothing in it to take and sell, it will be just a desk, chair phone and maybe a computer which could be tools of the trade. i was thinking my next step should be a third party debt order to freeze their bank account? what would you advise??

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Dear rumpole,

 

Thank you for your reply.

 

14 working days is absolutely fine and gives them plenty of time to respond.

 

In order to apply for third party debt order, you would require details of their bank account.

 

You would need the name of bank or building society, the head office address of bank or building society, preferably the branch at which the account is held, preferably account number and sort code. If you do have such details, you can go and apply for third party debt order using Form N349. Just like you said the account will be frozen until the outstanding sum is paid.

 

However, third part debt order will cost you £100. Once again this will be added to the total sum owed to you.

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i have also managed to find out that they are members or approved operators of BPA British Parking Association, Institute of Parking Professionals and the Security Industry Authority, the first 2 are pretty toothless in disciplining members but the SIA has the power to remove their authority to clamp. in my letter i have stated that i may correspond with either or all of these if they dont cough up.

 

It is worth to contact the bodies you mentioned above, regardless of the Claim outcome and explain that Parking Control Management (UK) behaved unreasonably.

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Third party debt order not a viable option as not only do you need details of the bank account, you have to have evidence it is in credit. In reality you will never know this. Warrant of execution is your only option really and, like you say, there is a fair chance they will not own any goods at any of their trading addresses.

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Third party debt order not a viable option as not only do you need details of the bank account, you have to have evidence it is in credit. In reality you will never know this. warrant of execution is your only option really and, like you say, there is a fair chance they will not own any goods at any of their trading addresses.

 

It is not difficult to obtain the bank account details and you do not require evidence that it is in credit. The bank account will need to be in sufficient credit at the time it is frozen, otherwise you will not be able to apply third party debt order successfully.

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hi peeps and thankyou for responding. i got a phone call from the director who signed the CC case defence.....it appears that i made an error when sending the case to the courts. i addressed it to PCM(UK) but with PCM(SOUTH)s address, PCM(south) filed and signed the defence. (correcting my error) then when they lost the case phoned me and said they wont pay as its addressed to the wrong company (but the correct address) there are so many links between the two companies that it is pretty crass of them to deny knowledge or responsibility of the matter. i went along to the court yesterday for some advice and based on that i have written to the judge outlining the situation and await his deliberations he is at the courts today (tuesday 22nd nov)

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  • 1 month later...

hi all, and merry xmas, my saga has now come to a close with PCM(south) sending me a cheque. the last few things i did was to write to the estate manager threatening to take her to court, i also wrote to the BPA, IPP which are more or less the same, and also to the SIA who were the most helpful and have promised to investigate, the moral of the story i think is dont give up folks, if you are right dont allow these people to get the better of you

 

Merry Xmas and thankyou to those that encouraged and supported me.......... rob

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