Jump to content


BankFodder BankFodder

  • Tweets

  • Posts

    • I think this was more to reduce the footfall.  Local stores were only allowing 10 people in at a time.. by allowing only single shoppers, they kept their queues down. 
    • Hello people, My case is almost similar to others here who have been stung by VCS and I am hoping to get help regarding the current situation I am in.   In the middle of Februrary this year I happened to drop off my mother-in-law at three in the morning at East Midlands Airport. I am aware of no stoppage signs around that area because I also happen to work in the same industrial estate which is also owned by East midlands airport but a little further from the airport. So the organisation I work for has an office in the same industrial estate and they have their own parking but obviously at 3 o'clock in the morning it wasn't very convenient to park next to the office and then walk about 2 km to the airport. Anyway I had made sure that I did not park on the double red lines as marked on almost all the roads in that area. I've pulled up away from the road and away from the double lines into a small piece of land which had no restrictions on it. I had seen the spy car while parking up but I assumed that it would be safe because I am away from the road and I'm away from the double right lines into another plot but clearly that wasn't the case as per VCS. So I received a PCN asking me to pay hundred pounds which I appealed and I replied to them that I was not parked on the road or on the double lines but it was rejected by VCS . They started sending me letters of claim and the last letter now I received says letter before claim and I think they are hoping to take me to the County Court to claim £160 as well as the court fees which is £25 if I do not respond to them by 21st of June. I've also attached a letter with information redacted. I'm hoping to get some advice on what should I do next because I do not really want to pay them £160 for something which I believe is a rip off practice by VCS and others like it. I had taken plenty of pictures when I pulled up that morning which show the car is parked away from the road and away from the double red lines which I had sent to BCS but they did not entertain.   VCS EMA - Nimbus.pdf
    • "Anyway. Does anyone remember that 80's sitcom with Richard Briers and Penelope Wilton - Ever Decreasing Circles................................."   Yes I do. Felicity Kendal, and some other people in it .No wait a minute. no that was the Goodlife wasn't it? Both had Richard Briers though.
    • Was it the unfair terms or something which was mentioned earlier.   Wont help. the 2015 act
    • Hi dx100uk, thanks for your thoughts. Are saying that Obs cannot send anyone at all around to attempt to collect the debt or seize any goods, and if they did it would be illegal?    I am hoping the judge will Set Aside my CCJ based on the fact that I was away from home due to the lock down so was unable to respond to Claim or the CCJ . Some have suggested SAR's may help to find loopholes in the PCN, to encourage the judge to give me a Set Aside, what are your thoughts on this.  Do I stand a chance at getting the CCJ removed, or will I be wasting my time with the SAR's and spending £250 for nothing?  Should I be going for a Consent? I'm not totally sure what this is yet. Cheers  
  • Our picks


Opos/Kapama Chasing Statute Barred Debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 843 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I took out a loan with Minicredit for £100 (minus their £20 for a faster deposit, so only £80!) in May 2011.


In July 2011 I offered to pay the original loan + one month's interest (£125) but never received a reply, but they did continue to add charges to the amount outstanding right up to them defaulting the account. The account defaulted with all their made up charges at over £800 by September 2011.


Opos/Kapama have chased this debt since some time in 2012. They stopped harrassing me by email and voicemail messages (I never pick up) last June 2017.


The debt fell off my credit files last September when the debt became Statute Barred.


Last week the phone calls started again. They are phoning almost daily and telling my voicemail I have until 8pm the following day to make contact. They are also emailing about my 'outstanding balance' that needs paying in full!


I know that this debt is Statute Barred, and if they bothered to read their own paperwork they'd know this too.


So, my dilemma is this... do I just ignore them as I have done for 6+ years until they get bored and stop again? Is there anything they can do if they are truly ignorant of the fact this debt is SB?


Or, should I let them know this debt is SB and tell them to get lost and not harrass me any further?


Any advice gratefully received, thanks.

Share this post

Link to post
Share on other sites

they can ask for payment

you can equally ask them to go away


in E&W a debt being SB'd simply means the owner cant enforce a judgement nor threaten court

so they don't bother.


if you really want things to stop

and it IS 1000% SB'd

send our CONC SB letter from the debt collection section of our library

please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites

Thank you. I am certain it is SB'd, but I'll see how things go before I sock it to 'em with the SB letter/email. Coincidentally, I haven't heard anything from them since I originally posted...hmmm...!

Share this post

Link to post
Share on other sites

If a creditor does try to collect a debt which is statute barred either themselves or with the use of a debt collector this would be deemed as harassment under Section 40(1) of the Administration of Justice Act 1970.


You can also inform the FCA of this practice quoting.....







We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


If you want advice on your thread please PM me a link to your thread

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...