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    • Thanks for your help. I've redacted the PNC number and I've re-uploaded here. I'll see if I can get out there to photograph the signs, but this may be tricky due as its not that close baby schedules don't afford me alot of free time. UKCPS NTK udated.pdf
    • hi ya can you pop the NTD up as a PDF please Read upload Carefully. you'd left the barcodes showing which can be read remove those and pop it up as a PDF   dx  
    • can you please answer my question?   dx
    • Hi all. I've attached what was my first letter from Smart, didn't get an NTK in the first place. Emailed in from this asking for more details, no admission of driver etc. Didn't get a satisfactory response so ignored everything up to the recent shoddy LBC   See below:   1 The date of infringement? 29th October 2019   2 Have you yet appealed to the parking company yet? [Y/N?] Only asked for more details via website as NTK wasn't received and informed Smart that multiple drivers have access to car and 2 drivers use same carpark.   if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]   has there been a response? Short letter saying that as 'per the BPA code of practice appeals must be submitted before 28 days' however it wasn't an appeal, just a request for more information   please post it up as well, suitably redacted. [as a PDF- follow the upload guide]   If you haven't appealed yet - ,.........DONT ! seek advice on your topic first.   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] NO   what date is on it NA   Did the NTK provide photographic evidence? Probably, but don't know   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] NA   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] NA   5 Who is the parking company? Smart   6. where exactly [Carpark name and town] did you park? Goose Green, Altrincham  
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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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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Being chased for outstanding balance with threats of charge against property


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Hello, I purchased a car in 2007 for £5450 and with interest the oustanding balance was 11350 according to the finance documents issued by Private and Commercial Finance Company Ltd of London. In 2011 the car was repossessed by their agent and sold at market. I have since received a statement from PCF that shows the payments made and subsequent sale of the car amounts to 13000 +.

 

I havespoken to them on the telephone informing them on numerous occasions that I was out of work due to a leg injuryand since written to them stating that I am now no longer working and in receipt of the State Pension as my only income.

 

Today 10/07/2012 I received the following letter.

 

 

Mr. X. XXXXXX

Address

 

URGENT RESPONSE REQUIRED

 

 

Dear Mr XXXXXX

 

Re: Private and Commercial Finance Company Ltd and Yourself(ves)

Agreement No: XXXXX

Outstanding Liability: £3917.83

 

We refer to the above matter and note that we have recieved no payment from you since 17/04/2012

This is your final opportunity to contact us with proposal;s to clear your balance

 

Should we not hear from you by 13/07/2012, we shall instruct our solicitors to obtain a charge against your property.

 

This means that a County Court Judgement will be registered against you which may result in enforcement and sale of your property

 

If you wish to avoid this action contact us asap.

 

 

Signed Sanjay SHah

 

 

Also attached is a printout from Ooplah giving the value of my house. All I can say about that is thanks didn't realise the house was so valuable

 

 

Any help would be acceptable

 

Keltyboy

Success with PPI from Welcome Finance

 

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Meant to say that I stay in Scotland, can the finance company still apply this charge here

Success with PPI from Welcome Finance

 

REgards... Remember to Support Our Troops :lol:

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Greasemonkey, yes that is correct in excess of £13000. Silly I know but.

Success with PPI from Welcome Finance

 

REgards... Remember to Support Our Troops :lol:

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How much had you paid when they repossessed the car?

 

Was it a voluntary repossession or had they got a court order?

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IdainFife It was a voluntary and Grease monkey that sum was for charges such as letters and late payemnt or non dd payemts

Success with PPI from Welcome Finance

 

REgards... Remember to Support Our Troops :lol:

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