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    • well be careful if the debt is above £600 you could have HCEO bailiffs at your  and for the want of logging onto MCOL and typing just as your are here  - it could all be simply sorted.   dx      
    • well they do have an alternate, do nothing.   I cant see a past thread on this? why didn't you come here and ask for advice first?   all your threads have a nasty trait you still haven't got out of and that's blindly contacting DCA's    you have never earned above the threshold you should have simply sent a new SLC deferment form.   in a way I think you've paid this money under duress when you had no need too.        
    • Interestingly I've just had another alert on my Clear Score report:   Upcoming Updates A new credit or store card will be added to your January report. Organisation Name: BAIA0090 Account Number: ****9048 Company Type: finance house What does this mean? This could mean that you’ve recently opened a new account, or it might be because a lender has just shared some information relating to an old account. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. If you apply for credit now, lenders will see this update on your Equifax credit report. Now, this looks very much as if Hoist have taken my agreement off and transferred it to whoever BAIA0090 are.  I've not seen any new notice of assignement or anything.  
    • Sorry i am Not putting details in here. This bank i did have an account with in 1993. That is the last time i used them.   I am going to let them ccj me.   I am not going to even think about this any more. My bin will get the letters and my door will be ignored.   Thank you for the interest but i will waste time for another 6 odd years while i get my mind right All the best
    • Particulars of Claim (for Reference - not to be submitted with defence)   What is the claim for – the reason they have issued the claim? 1.The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no xxxxxxxxxxxx   2.The Defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974.   3.The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX BARCLAYCARD) Written notice of the assignment has been given. The Claimant claims 1.The sum of £2792 2. Costs Defence   1.The Defendant contends that the particulars of claim are vague and generic in nature.The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2.The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 3. Paragraph 1 is denied. Whilst I have had dealings with Barclaycard  in the past I cannot recall the specifics of the alleged agreement.   4. Paragraph 2 is denied .I have no knowledge of who the claimant is nor have I been provided with any Notice of Assignment pursuant to the Law of Property Act 1925.   5.Paragraph 3  is denied.I am not aware of service of a Default Notice by the original creditor or Legal Assignment the claimant refers to within its particulars of claim .   6. It is denied that any amounts are due under any agreement.   7. On receipt of this claim I requested information pertaining to this claim from Howard Cohen & Co Solicitors by way of a CPR 31:14 request sent via 1st class recorded post on 19/11/2019.Further to the above I sent Hoist Finance UK Holdings 3 LTD a section 78 request via 1st class recorded post on 19/11/2019.  To date, neither Howard Cohen nor Hoist Portfolio are yet to furnish me with the requested information .   8.Therefore with the court’s permission the Claimant is put to strict proof to   a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed for; c) show and evidence the nature of breach and service of a Default Notice pursuant to Sec 87 (1) CCA1974. d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   9. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   10. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974.6.   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. (Defence mainly taken straight from Micky the Hippo's similar defence)
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Wicked3610

CPP ANPR PCN - MOTO services at Donnington out of time?

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Hi all,

this morning I received a charge notice from CP Plus for staying too long at Donnington MOTO services.

 

I have to say I have never been before and was concentrating on where to park so never even considered a time limit.

 

Its not often I use services and assumed there would be plenty of time. I now know I was wrong.

I stayed 2 and half hours according to the in and out time.

 

It was about 3 weeks ago, so I cant honestly remember.

From what ive read they have to send the letter within 14 days - which it isn't.

so guessing I either choose to ignore or appeal on this fact?

 

1 Date of the infringement15/9/2017

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 4/10/17

 

3 Date received 7/10/17

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No - not that I can see anyway

5 Is there any photographic evidence of the event? Photo and timestamp of car in (12.21pm) and car out (14.55pm), also showing reg plate

 

6 Have you appealed? {y/n?] post up you appeal]

Have you had a response? [Y/N?] post it up

Not done anything yet

 

7 Who is the parking company? CP Plus

8. Where exactly [carpark name and town] MOTO services Donington Park

 

For either option, does it say which appeals body they operate under.

'operating in accordance with the British Parking Associations Code of Practice'

 

Apologies if I have done anything wrong, a lot to take in.

Any advice welcome as to my next step.

 

Edited to add: £100 required within 28 days, or £60 by 18/10/17

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Hello and welcome to CAG. The forum regulars should be along to help you later. As it's the weekend, please bear with us until our volunteers can take time out from their other lives to advise you.

 

I've edited your first post to reduce the font size and make it easier to read, I'm not sure what went wrong with it.

 

Best, HB


Illegitimi non carborundum

 

 

 

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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.

 

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Thank you, I have read that thread. So, for now I simply ignore the letter?

In that thread though the letter for DVLA was regarding inaccurate information, as in the date and time were wrong on the letter compared to the actual event?

Or most likely I have misunderstood the purpose of the letter to DVLA.

 

Sorry, new to this. Husband had a similar letter from an Iceland store car park few years ago and ignored the letter and subsequent threatening letters and never heard again, but this is new to me. I'm not so confident

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Well the reason for having to write to the dvla doesn't matter

Its the details of who and when

That's important


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

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Ignore their letter,

to answer will only encourage them to think they have you worried and they have a reason far chaisng you when they dont.

 

 

The timelimits are for creating KEEPER liability, not enforing a contract with the driver so dont give them any rope.

when they have exhausted themselves writing silly letters and decide to move on to court threats ( if they do)

then you tell them in writing they are timed out and to get stuffed.

 

 

At the moment you are in a position to sue them but again that threat shoud be saved until they can be seen to be harassing you by repeated demands. ( doesn't create the tort but does show they are greedy and stupid not to stop their actions so helps bump up the compensation)

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Thank you all for your replies. Yes, I will put it to one side for now. If and when I get more letters I will come back here if that's okay.

 

Thank you again for providing me with reassurance

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good, do not lose any of the paperwork,

they rely on that to help them make you feel as though you have to pay as you cant argue.

 

 

With the paperwork tucked away you can prove they dont have a claim.

 

 

You will alos have the ammunition to complain to the site owners about their "servants" telling lies and trying to chisel money out of people

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Just dropping to to add, got second 'reminder' letter today. As its past the 14 days, the charge is now the full £100. Ive added the letter to the first. Will update with any new letters

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Its been a while! Got another letter today from DRP (debt recovery plus). Im guessing the advice is the same and to keep ignoring? thank you

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Normally if DRP are involved, you're coming to the end of the letter trail. :) Ignore.

 

HB


Illegitimi non carborundum

 

 

 

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Thank you. the last letter i got was back in November from CP Plus saying legal action pending. Had hoped they had given up. will add letter to rest of pile

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It's just the usual 'bluff and bluster' from Daft Recovery +.

 

Will you give us money if we threaten you?

Will you give us money if we say that we're going to come round and beat up your pet rabbit?

We may recommend to our client that they threaten you some more, and they'll come to your house and burn it down.

 

Then you'll get a final one that says (more or less) "look, we're getting desperate to part you from your money now, we're so amazing that we're giving you one last chance to contribute to our Christmas party fund and making you a 'Reduced payment offer', aren't we great!"

 

Let 'em waste their money, this isn't going anywhere near a court, and if it does, it'll be a grand day out for you as CPP will be paying all your expenses and if you play your cards right, a good chunk more besides.


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the advice regarding debt recovery agents is always the same IGNORE THEM. they have no interest in the matter so cant make any decisions or do anything regardless of what they say. There are cases where DCA's have sued and they have not even been given the opportunity to explain themselves in court- automatic dismissal with costs against them.

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It's just the usual 'bluff and bluster' from Daft Recovery +.

 

Will you give us money if we threaten you?

Will you give us money if we say that we're going to come round and beat up your pet rabbit?

We may recommend to our client that they threaten you some more, and they'll come to your house and burn it down.

 

Then you'll get a final one that says (more or less) "look, we're getting desperate to part you from your money now, we're so amazing that we're giving you one last chance to contribute to our Christmas party fund and making you a 'Reduced payment offer', aren't we great!"

 

Let 'em waste their money, this isn't going anywhere near a court, and if it does, it'll be a grand day out for you as CPP will be paying all your expenses and if you play your cards right, a good chunk more besides.

 

 

Haha, that did make me smile. thank you

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Hi all, its been a while

 

Today I got a letter from SCS Law saying I needed to pay the outstanding debt of £120

 

It says on it 'Unless our client receives full payment from you within 14 days, CP Plus LTD may take steps towards commencing legal proceedings against you by way of a Letter of Claim' then goes on to say if this happens cost will increase to reflect court fees etc

 

Do I still just continue to ignore?

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Dear SCS,

Re your letter -give reference number.

Date of alleged infringement-15/9/2017

Date of NTK - 4/10/2017

Date NTK Received -7/10/2017

 

If you do not understand this message please consult a competent solicitor or Citizens Advice.

 

Yours Faithfully.

 

PS Please also inquire about breach of Data Protection Act by CPP

PPS Please improve your due diligence .

PPPS I have assumed that you are an ignorant bunch rather than that you knew about the dates . ..........................

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Thank you for your response. So I should actually make contact this time, not just ignore it? Their is an email address that it says to contact them on, so I could just send a letter via email. Do I just literally need to state the issue with the dates as you have put it above? is their anything I need to quote at them etc. thank you

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Always send letters never emails, texts nor phone calls. You run the risk of being plagued with cold calls from all their cronies. And keep a copy of the letter so that should CPP ever be stupid enough to actually take you to Court [they are trying to frighten you into paying at the moment] you can go for exemplary damages there as they will then know that you know that their case is dead in the water.

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Very short and brief mind!! No waffle


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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Thank you both, will get onto it later when im a bit more awake - been awake all night.

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lawyers being paid to act as debt collectors with their threats of adding unlawful charges to a non-existent bill.

 

However, it can be worthwhile creating a paper trail so using the suggested letter would suit that purpose.

 

Let them charge their client for working it out rather than explaining it to people who go to university to learn how to rob people in latin

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