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    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
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motormile/ndr/marshal hoarse balliffs


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hello to all could someone advise me of my situation, i received out of the blue a threating text from northern debt recovery stating that if i dont contact them asap they will send baliffs round to empty my house there were other things in the text to, they said i took a loan out on the 12/10/12 thats amazing because i have been unemployed for 6 months now i am an x policeman, i had to leave for medical reasons, so i was shocked to receive this so i replied and guess what it bounced back, so i tried to find out there address and with my contacts i still had trouble simply because they are not where they said they were, these people are invisable, i since had another text and a letter, i have replied to the address that i have found through colleagues research and sent all 3 a kind letter (not) but still had another text saying that they have passed on my file to solicitors and bailiffs, and a doorstep collection would proceed, i cant wait for them to turn up, i am 6'5" and 20 stone, if they turn up i will bury my size 13 foot where the sun dont shine. so after all that has anyone got any idea where these people get off, and a possible address so i can arrange a visit for them ? this makes me laugh but makes my family worry that someone will turn up when i am not there, i have been told to report these muppets to oft but i have trouble finding theses ********s how can oft trace them?

 

thank you all any advice would be great

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Hi Welcome to CAG,

 

Just read through your post and one or two points puzzle me, I sure you will be aware as an ex pc that baliffs can only be instructed once a CCJ has been obtained and a debtor has failed to comply with the judgement order.

 

You say that theses ''people'' state you took out a loan 12/10/20012 just 7 days ago?

 

Also I am sure you must also be aware that physical violence is not going to help this ''situation.''

 

Who are the people chasing the alleged debt?

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

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I was only joking it just makes me angry that no one seens to know where they have there offices the company that are chasing me are northern debt recovery and after reading through the forums they seem to be popular any advice would be good

Kind regards

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NDR Contact Mr. Garry Chapple 15 Lyndhurst Gardens, Hampstead, London, NW3 5QA

tel: 07768255622

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Well ndr have sent 3 texts of threatening nature saying that i have not contacted them in either email letter or phone call so they say they are going to pass files onto solicitors and bailiffs then take goods from my home to the value of 9 times the balance. I have not taken out a loan it says the debt was from quick quid / wageday advance i have only heard of these people recently and they are sharks according to people on the forums. I have kept all the emails and the letter they sent as evidence i would send them a letter from a solictor to if only we knew where there offices were i hope this helps

 

Regards and thank you

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paul49, can we have some more details cause currently its all a bit unclear which makes it hard to offer much advice.

 

first of all, Motormile is one company, while NDR / Marshall Hoares is another company, which leads to the question is it one and the same debt they are chasing?

If yes, which one of them legally owns the debt?

Where is the debt originally from? a payday loan? if yes, which pdl company?

When was the loan taken out and for how much?

how much has been repaid?

 

Also, contrary to what BRIGADIER2JCS implied by providing a phonenumber, do NOT under any circumstances ever phone any pdl or dca unless you can record the call in full, those companies are well known for agreeing to payment plans over the phone only to turn around and raid your bank account, as well as making extreme threats.

Keep it all in writing, the law is on your side, but only if evidence exists.

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I did not imply that the phone number SHOULD be used but actually it might be a good idea to check on this contact given the strange lack of data on the company.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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helllo there further to your reply, the threatening texts and the letter i received was to related to a loan taken out from quick quid / wageday advance on the 12/10/12 which i have never , the balance they say is owed is £420, plus any charges they want to add, then yesterday i received another email from motormile regarding the same debt, and was for £776.00 of which they would reduce the balance if i send them £350.00 i dont know where this has come from and its getting a joke now, i have tried contacting motormile via email not phone has was instructed and i have not heard anything ! i would like all documented proof of this debt but they have not replied has yet, i have read various stories about ndr which the letter was from and they have dodgy reports you cant email these people because they bounce back and i will not ring them i did that once and suffered verbal abuse, and it cost £11.00 pound in phone calls according to my bill. so i have reported these ndr people and motormile to oft and awaiting a response, the address i was given above also is false, and the mobile number is wrong, 15 lyndhurst gardens hampstead is not the address for ndr has my sources tell me, so how do i get these people of my back and to stop making threats to me and my family? oft seem slow but i guess they are very busy with other complaints, any advice would be great, i hope this is more detail for you has you requested

 

regards

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helllo there further to your reply, the threatening texts and the letter i received was to related to a loan taken out from quick quid / wageday advance on the 12/10/12 which i have never , the balance they say is owed is £420, plus any charges they want to add, then yesterday i received another email from motormile regarding the same debt, and was for £776.00 of which they would reduce the balance if i send them £350.00 i dont know where this has come from and its getting a joke now, i have tried contacting motormile via email not phone has was instructed and i have not heard anything ! i would like all documented proof of this debt but they have not replied has yet, i have read various stories about ndr which the letter was from and they have dodgy reports you cant email these people because they bounce back and i will not ring them i did that once and suffered verbal abuse, and it cost £11.00 pound in phone calls according to my bill. so i have reported these ndr people and motormile to oft and awaiting a response, the address i was given above also is false, and the mobile number is wrong, 15 lyndhurst gardens hampstead is not the address for ndr has my sources tell me, so how do i get these people of my back and to stop making threats to me and my family? oft seem slow but i guess they are very busy with other complaints, any advice would be great, i hope this is more detail for you has you requested

 

regards

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I would send the letter found here to Quick quid, as well as Motormile, http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

Also ask Quick Quid for clarification of who owns the debt, if they say they sold it, request a notice of assignment.

 

As for NDR / MH get in a complaint with the FOS (technically you are supposed to complain to Ndr first and give them 8 weeks to respond, but just explain to the fos that Ndr bounces emails and physical mail goes to empty properties), as well as Trading Standards and the OfCom.

 

Unfortunately other than blocking calls from Ndr / MH with the phone if it supports it and complaining to regulatory outfits there ain't much that can be done to stop their harassment, someone who posted in another thread went to view the empty garage of ndr / mh with a property agency and there where piles of unopened letters for them inside.

 

I would also check with the credit reference agencies to see if there is anything else amiss, because from the sounds of it you may well have been a victim of identity theft and someone else took out a loan in your name.

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the addreess is not 15 lyndhurst gardens but lyndhurst terrace

 

even though nothern debt recovery ltd has a consumer credit licence along with its bogus baliff company marshall hoars baliffs

 

THEY ARE DORMANT COMPANIES AT COMPANIES HOUSE

 

 

 

Marshall Hoares Baillifs DORMANT COMPANY NUMBER 06871092

Directors:

Mr Gary Chapple

Mr Jordan Taylor

 

CIM TECHNOLOGIES PROPOSED STRIKE OFF COMPANY NUMBER 06144500

DIRECTORS:

Mr Jordan Leonard Tayor (using his sunday name here)

Mr Gary Chapple

 

NORTHERN DEBT RECOVERY LTD DORMANT COMPANY NUMBER 06956396

DIRECTORS:

Mr Gary Chappel

 

YOU NEED TO DIG DEEPER AND FIND THE REAL PERSON BEHIND THIS LOT IS A GENTLEMENN CALLED

 

OLIVER LARNHOLT

 

though he keeps his distant with only mashall hoars baliffs

 

now where do you think that registered address is, you guessed it, 15 LYNDHURST TERRACE NW3

 

A VERY UNSAVORY CHARACTER

 

http://blogs.mirror.co.uk/investigations/2011/09/this-wont-hurt-a-bit-says-payd.html

 

 

Current Individuals that run the organisation:

 

 

NamePositionOliver Larholt

 

Historic Individuals that run the organisation:

 

 

NamePositionJonathan Weinstock

 

Nature of Business:

 

 

Debt Collection

 

Current Address(es):

 

 

Address TypeAddressCorrespondenceMoonpod, 15, Lyndhurst Terrace, London, NW3 5QA, United KingdomPrincipal Place Of Business15, Lyndhurst Terrace, Hampstead, London, NW3 5QA, United KingdomRegistered OfficeMoonpod, 15, Lyndhurst Terrace, London, NW3 5QA, United Kingdom

 

Historic Address(es):

 

 

Address TypeAddressPrincipal Place Of Business1a, Sheffield Road, TUNBRIDGE WELLS, Kent, TN4 0PD, United KingdomRegistered Office1a , Sheffield Road, TUNBRIDGE WELLS, Kent, TN4 0PD, United Kingdom

 

 

 

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they are also mco, the pdl that has been fined more than half a million pounds and had its license revoked by the oft yet they continue to trade due to the appeal process taking a long time as well as using their other credit license.

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Hopefully tgis situation will be resolved if more reports are made regarding their conduct during the appeal procedure.

If it continues into next year is is likely then I would like to see it in the hands of the new regulatory body the FCA which appears from current information available will have more ''teeth'' and powers to act immediately unlike the OFT.

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I have had a reply from oft today ndr are licensed but oft are looking into it 15 lyndhurst terrace is a garage so i have been informed so they have reported it i also have reported it all to fos awaiting there reply

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They also have a disused garage in in Turnbridge Wells (according to official registration its a historic address, but they still put it on some of their letters), also there was another property in the Lyndhurst area, but that took an ugly ending:

http://www.residential-property.judiciary.gov.uk/Files/2008/May/000026K7.pdf

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Tele No

0845 722 4499

Our ref

Epic/Enq/E/135621

Fax

(020) 7211 8877

Date

22 October 2012

Email

[email protected]

 

Dear Mr Groves

 

Consumer Credit Act 1974 (the Act)

Complaint Against: Northern Debt Recovery Limited, Casheuronet UK trading as Quick Quid, Wage Day Advance Limited trading as Wagedayadvance

Licence No: 631166, 603395, 623347

 

Thank you for your email received on 17 October 2012.

 

I can confirm that the business you mention holds a consumer credit licence. Under the Consumer Credit Act, holders of consumer credit licences must be fit and competent to do so and the Office of Fair Trading (OFT) has a duty to monitor the fitness and conduct of all traders who hold such a licence.

 

The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat individuals fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: http://www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/debt-collection

 

We have therefore recorded the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against this trader we may need to contact you again in the future. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information.

 

While we are very sorry to hear about the difficulties you have been experiencing, the OFT has no authority to become involved in individual disputes between consumers and traders so we cannot advise you directly in this matter.

 

The Financial Ombudsman Service can help with most complaints about consumer credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the consumer credit licensee itself. The Financial Ombudsman Service can be contacted at:

 

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

 

i have received this email from oft can you make any sense of it it looks like ndr have a license so part of the forums reports are incorrect can someone please advise

 

regards

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If they have applied to renew they are considered to be licenced and can still trade.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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