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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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advice on stature barred


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Hi advice needed i had a credit card with capitol one last payment made to them in january 1996

 

they stopped putting interest on this account in july 2006 this account was sold to our old freinds Lowell

 

some time in 2009 i have never admited this debt or payed anything off it never contacted lowells and

 

never spoke to them they keep writing to me i just ignore them so now they have passed it on to a debt

 

collector so please advise as to where i go next is this account stature barred

 

many thanks mike

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Look in the CAG library and use the template letter http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

Providing that you have DEFINITELY not paid anything for six years and have at no time in that period acknowledged the debt then the Limitation Act would apply. It is down to them to prove otherwise.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Send them the statute barred letter and see what they come back with. I bet they will try and say that a small payment was made in 2007 or 2009.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Take care when dealing with Lowell!!

Send this to their Compliance Mnanger.

 

Dear Sir or Madam,

 

Ref:XXXXXXXXXXXXXXXXXXXX

 

 

I refer to the debt for £xxxx which you allge is owed by me for a Capital 1 account,

please not I do not acknowledge any debt to Lowell or any company you may claim

to represent.

 

I have researched my credit history and taken advice on this matter and have concluded

that any such alleged debt is now STATUTE BARRED, I will not therefore make any payment

or offer of payment now or at any time in the future.

 

I now require Lowell to cease to process and store any data relating to me.

 

I am fully aware of the OFT Guidance on Debt Collecton 2003/2011 and the sections

regarding the pursuit of statute barred debt

 

Send RD check delivery.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 2 weeks later...
send them the statute barred letter and see what they come back with. I bet they will try and say that a small payment was made in 2007 or 2009.

 

they sent me a statement showing the last payment to capitol1 was jan 2006 the sent me a statement showing the same balance 2 weeks ago so no money has been payed

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Did you make that payment?

 

If not report them to the OFT & TS for fraud.

 

It's still SB anyhow, they fail you win.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It's still SB it's now Aug '12.

 

Yup. Send the Statute barred letter and then have a good long laugh at them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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