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    • Hi,   I searched online for an insurance company using compare the market. Sheila's wheels came out with the best quote so I telephoned them to arrange the purchase. After I had paid out the initial amount of £70 and agreed a direct debit I then cancelled my soon to expire Insurance policy. I immediately received an email from that insurance company informing me I no longer had my no claims bonus due to an accident last June. I telephoned Shelia's Wheels to explain that I had made an error, instead of 3 (which I had put on my original agreement), I had now been informed I had none. They put the policy up by another £300, so I asked to cancel. They now want to charge me 29 pound something for cancelling. I made the mistake with the no claims bonus because compare the market keeps a record of my information & this was what was in that information about me, including the date of my accident.    Do they  have a right to charge me? My insurance would have taken effect on the 15th November 2019.   Thank you.
    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
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Sk1p

Being hounded by Sussex Security

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Oh boy am I relieved to find this thread.

 

N1ch3s what happened in the end?

 

I've just got the DP+ letter.

 

What bothers me is the reference to the binding court test case.

 

DP+ are the sister company to Sussex Security Solutions and Parking Enforcement.

 

Rumour has it they're owned by Van Hoogstraten.

 

Please, please, please tell me what the outcome was!

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Hello there - I did not appeal, I ignored.

 

 

I had two fines for two very short periods in a period of under half an hour

(around ten minutes and then a couple of minutes

- no signage,

the word PRIVATE on the tarmac does not make it clear that these bays are private

- I did look for signs!).

 

 

The letters do not indicate the time

- the time period says 0:00 to ...8.25am or whatever.

 

 

I got follow up letters, twice, and I've got a DR+ letter,

which refers to the legally binding important test case

which means that all courts have to abide by that ruling in favour of parking companies.

 

I want to not pay this as it's legalised extortion and it's morally wrong.

 

 

The charity shop nearby this spot says they get many calls every day about this.

 

 

Rumour is, it's owned by Nicholas Van Hoogstraten.

 

 

Please help with some advice!

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Hi.

 

I've started a new thread for you, please continue to post on this one.

 

HB


Illegitimi non carborundum

 

 

 

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Ignore DR+ They are actually ran by a PPC iirc and will say and do anything, including lying, to get what they want anyway.

  • Confused 1

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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Private parking company

And they are not fines either

Speculative invoices

 

Can we have the dates and where


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Also, the bit about the test case is true - I checked.

moneysavingexpert.com/news/protect/2015/04/private-parking-fines-judges-rule-against-motorists

 

The PPCs have latched onto the Beavis case because it's a rare win for them. Someone will explain why it doesn't apply to many of the cases here because I can't remember :(

 

HB


Illegitimi non carborundum

 

 

 

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Ah yes. Debt Recovery Plus are owned by the same people as Sussex Security Solutions. Same address and everything.

 

Honeybee13 I'm loving you right now. Truly.

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Hi dx100uk - it was in Lewes in April 2016

- one period of around ten minutes and twenty mins later a period of around three or four if I remember right.

 

 

The letters only indicate roughly as they start the clock from 0:00

- so a letter has a photo and says you were there from 0:00 to 8.25 for example.

 

I know that they're speculative invoices but this test case thing is worrying me.

I've fronted it out with Parking Eye before and won

but when the courts find in favour of these extortionists, that's very concerning.

What on earth were they thinking of?

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Ignore the test case. It has no bearing on your issue at all. They know it, but they love to lie and throw it in every single letter they send out hoping people will pay up.


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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Thank you. Thank you. Thank you. Have already donated to the CAG.

 

 

I looked up the founder and learned about the fight he won against bank fees.

 

 

One of my boys had his entire childhood birthday savings taken in overdraft fees from his bank

and the FSA only got a bit of it back. You lot are heroes.

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Google parking prankster and have a good read.


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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Thanks, renegadeimp - Parking Prankster is superb. It's a shocking business. How does Government allow them to get away with this?

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Long story, but they allow the PPC's to self regulate themselves. The PPC's are pretty much cowboy clampers. But because clamping was made illegal, they adapted.


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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The court case was PE v Beavis

it was everntually determined that PE didnt have to show a schedule of loss

and could chage £80 as a breach of contract penalty fee as in this instance it wasnt an "unconscionable amount".

 

 

In short commercial contract law was imposed on certain consumer contracts

and if the right authorities and clear contract signs in place

the £80 could be charged for breaching the contract entered into when parking.

 

This is not the same as you case

 

 

the parking co's like to tell everyone that Beavis means they can charge what they like for anything

and they will always be right.

 

 

well, the parking co's went on a court claim feeding frenzy after this

and have lost every one of them that was defended by people who did a bit of homework.

 

the wording at the site where Barry Beavis parked was very clear,

it was a pay and display car park and the parking co had a cast iron contract with the landowner,

not some agent or tenant.

Edited by honeybee13
Paras.

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Thank you so much for your encouragement, it's really appreciated, ericsbrother :)

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Hi all, and hopefully ericsbrother, as you've been so helpful before.

 

It was ages and I thought I'd heard the last of them,

but now they seem to have sold the debt on and I've a had few more letters

- remember this is twice in the space of half an hour

- that's how much I didn't see any signage.

 

The letters continued to express that they "may" be asked to take me to court.

This time, the wording has changed - to "we anticipate", and referring to CCJs and court costs.

 

Advice? I've held out this long.

 

Many thanks in advance for your help...

 

Sk1p

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WHO IS Pulling your chain now


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Just posted elsewhere that I've had letters today saying that they - right hassle, that is - "anticipate" being instructed to take me to court.

 

Carry on ignoring then?

 

Advice welcome!

 

(I love this forum).

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Cant sell a debt on when it didnt exist in the first place :) Theyre just con artists.

 

Also, anticipate is the same as may.

 

I anticipate i will win the lotto on sat because i believe my choice of numbers are good.. Doesnt mean i will.


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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Right hassle. and yes, it bothers me.

 

renegadeimp - thank you! That's reassuring.

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wright Hassell you mean

bunch of powerless idiots

read the letters properly....

 

 

they don't say WILL anywhere.

 

 

the only thing you never ignore is a claimform from Northants bulk

it will come in a large brown A4 windows envelope

 

 

and you wont be seeing one of those on this incident


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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you noticed the key word, they anticipate, NOT they have been instructed. So, same as before- just hot air so ignore.

 

I like the fact they are happy to waste money for nothing on this.

Just posted elsewhere that I've had letters today saying that they - right hassle, that is - "anticipate" being instructed to take me to court.

 

Carry on ignoring then?

 

Advice welcome!

 

(I love this forum).

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