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    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help  
    • forget bailiffs they can do nothing on a consumer credit debt covered by the consumer credit act. most certainly no right of forced entry nor clamping or seizing vehicles etc etc .    and it most certainly doesn't matter, even if someone did , which they didn't, contact them and said he's got money.   you've picked up some rather wild ideas on debts and CCJ's etc from some where which are totally incorrect and way off the rails of what really happens..   your next action is to goto your credit file and write down the 3 CCJ number. then on monday go ring northants bulk RECORD YOUR CALL. quote the three CCJ numbers and ask them for a copy of EACH judgement to be sent by email PDF. also ask them to either send copies of the 3 CLAIMFORMS TOO. or if they cant do that  get them to readout for each one: the address it was served too and the EXACT details of the Particulars of claim box    once you have those details comeback to this thread.   by the way who is the fleecing DCA that pulled these 3 stunts...lowell, cabot, Link, Intrum. hoist..?? who.  
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

PCM windscreen PCN - residential parking - Brentford Lock, Middlesex


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Tell your friend to block the number that they used to text her from, that way they will get an undeliverable report on the text message.

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Yup, copies posted to both. Just sorry I failed to think of potentially the best line I could have used before posting - "as a urologist, I see a lot of balls but this really takes some beating"...

Good news, but do hang on to the paperwork.  The fleecers have six years to start court action, and some of them periodically dust down their old cases and send out more silly letters.

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  • 2 weeks later...

thread tidied pdf rotated and placed above.

 

you are safe to ignore that

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

This time you need to reply - with a snotty letter ridiculing their claim. 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Scroll up this screen to the red strip and the white Search box on the right hand side. If you search for 'snotty letter' you should find examples from other parking threads.

 

HB

Illegitimi non carborundum

 

 

 

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Thanks, have been working on this today, researching and reading.

 

Obviously, each case and relevant law is slightly different.

I have looked back over the early advice I received about the particulars of this situation and am wondering if I need to see a copy of any agreement between the landowner (rather than the management co) and the parking co.

 

Should I ask for this in this letter or is this for further down the line? 

 

I attach a first draft (not yet discussed with my 2 friends who may also have some input) in the hope that you will be able to advise.

 

I haven't made it too rude as my husband is the registered keeper and will have to sign the letter!  

 

 

Edited by FTMDave
DOCX file removed. OP has reposted contents in text below
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docx files have all you info in file/properties/info hidden last post

 

simply post it as plain copy/paste text here.

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Oops sorry and thanks for that. Letter in plain text:

 

Dear Sir/Madam,

 

I refer to your letter threatening court proceedings in relation to PCN number…..

I am writing to inform you that I have no intention of paying this ridiculous made-up sum of money for allegedly breaking some imaginary contract/T&Cs with your client.

We all know that these are speculative invoices which you use to prey on vulnerable people who know no better. However, I’m sure that we can both agree that a judge will know better. The charge requested morphed from £100 in one letter to £160 in the next. Another blunder adding this £60 admin fee. I suggest that you look at DDJ Harvey’s judgement at Lewes County Court on 05/02/2020 (Claim number F0HM9E9Z). He was not very happy with these made-up amounts, was he?

 

If you were a bona fide law firm, rather than a debt collection agency posing as one, you would know that your client has no right to demand any payment from me.

 

As a busy NHS employee, you can imagine that I have better and more important things to do right now than deal with your threatening letters. It is a shame that you couldn’t obtain employment that might make you feel good about yourself.

 

Your client can either stop this foolishness now or else I look forward to receiving compensation by way of an unreasonable costs order under CPR 27.14. Of course, as no charge was ever due, under Schedule 4 of the Protection of Freedoms Act 2012 they had no right to obtain my details (as the registered keeper) from the DVLA. Should you persist with your threats I will also apply for damages for a breach of GDPR for accessing my details without reasonable cause. This payment will go a long way to fund a much-needed holiday after such a difficult year.

The parking company have no authority to enforce their conditions and therefore the threats to sue are at best empty and at worst harassment and abuse.

I trust that you will desist with these letters rather than waste further time, money and trees.

 I look forward to receiving confirmation that you will be dropping this matter forthwith.

 

Yours etc

 

My 2 friends will need to personalise theirs slightly - one of them the registered keeper of the car (who wasn't the driver) is a serious lawyer so I think that will probably scare them off. The other can also hold her own! I will post anything they share with me here as there will need to be slight tweaks to each letter, although the body will remain similar.

 

Your comments much appreciated, as always

 

AJJM

 

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The letter is great - you've certainly been reading up!

 

Three tweaks. Write at the start "Dear Will & John" (these are the two charlatans who run Gladstones).

 

Cut out the last paragraph. They'll never acknowledge they're wrong and you don't want to continue correspondance, you want them to go away.

 

Write at the bottom "COPIED TO PCM (UK) LIMITED: YOU DON'T WANT TO BE GLADSTONED!" (this is a quote from the Parking Prankster's blog, it means Gladstones are well known for egging on their clients to start hopeless court cases, after all it's still £££££ for Gladdys. Let PCM know that a court case will only end up creating a hefty hole in their wallet).

 

Don't worry about PCM's contract for the moment, that's for later if they are stupid enough to continue.

 

Just musing now... Gladstones are nasty pieces of work, but they're not stupid. If they get three identical letters about the same parking company, same car park, same day and time of day, that they may try to combine the cases in some way to reduce costs and make money. I may be over thinking it but maybe as you say vary the letters and send them off with a week between them.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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i would advice your friends not to add very much more than what you have, which, IMHO, is bordering on to much detail upon how you might defend the claim.

 

don't give away details of 'what' might be the contents of your witness statement, after filing a generic defence, should this ever get to court. as pointed to above will/john are not amateurs and will use hints against you later.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks have made the relevant amendments suggested by FTMDave. Dx100uk -  do you suggest I delete the following from the letter? 

 

they had no right to obtain my details (as the registered keeper) from the DVLA. Should you persist with your threats I will also apply for damages for a breach of GDPR for accessing my details without reasonable cause.

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I would get rid of that a GDPR claim is something to hit them with once their case gets chucked out

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Ar you suggesting I delete all reference to GDPR keep  a brief reference to it?

How about this?

Your client can either stop this foolishness now or else I look forward to receiving compensation by way of an unreasonable costs order under CPR 27.14 and  under Schedule 4 of the Protection of Freedoms Act 2012 . This payment will go a long way to fund a much-needed holiday after such a difficult year etc

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Change that paragraph to - 

 

Your client can either stop this foolishness now or else I look forward to receiving compensation by way of an unreasonable costs order under CPR 27.14. This payment will go a long way to funding a much-needed holiday after such a difficult year.

 

- sometimes it's hard to get the balance right in snotty letters. On the one hand you need to show you know what you are talking about and would be big trouble in court, on the other hand as dx says you shouldn't play your hand too early. 

 

If no-one else has further suggestions this evening, invest in two 2nd class stamps tomorrow and send off the letters with free Certificates of Posting from the post office. 

 

Come back in a week with a draft of one of your friend's letters. 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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

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Thanks, so the letter now looks like this (I added the bit in capitals in an inspired moment (!) - what do you think?):

 

Dear Will & John,

 

I refer to your letter threatening court proceedings in relation to PCN number…..

 

I am writing to inform you that I have no intention of paying this ridiculous made-up sum of money for allegedly breaking some imaginary contract/T&Cs with your client.

 

We all know that these are speculative invoices which you use to prey on vulnerable people who know no better. However, I’m sure that we can both agree that a judge will know better. The charge requested morphed from £100 in one letter to £160 in the next. Another blunder adding this £60 admin fee. I suggest that you look at DDJ Harvey’s judgement at Lewes County Court on 05/02/2020 (Claim number F0HM9E9Z). He was not very happy with these made-up amounts, was he?

 

If you were a bona fide law firm, rather than a debt collection agency posing as one, you would know that your client has no right to demand any payment from me. YOUR PREVIOUS ACKNOWLEDGMENT THAT YOU TAKE YOUR FEE FROM PCM WITHOUT DUE DILIGENCE, REGARDLESS OF THE LIKELY OUTCOME IN COURT, MEANS THAT YOU ARE SCAMMING NOT ONLY VULNERABLE INDIVIDUALS BUT ALSO PCM THEMSELVES.

 

As a busy NHS employee, you can imagine that I have better and more important things to do right now than deal with your threatening letters. It is a shame that you couldn’t obtain employment that might make you feel good about yourself.

 

Your client can either stop this foolishness now or else I look forward to receiving compensation by way of an unreasonable costs order under CPR 27.14. This payment will go a long way to funding a much-needed holiday after such a difficult year.

 

The parking company have no authority to enforce their conditions and therefore the threats to sue are at best empty and at worst harassment and abuse.

 

I trust that you will desist with these letters rather than waste further time, money and trees.

 

Sincerely,

 

COPIEDTO PCM (UK) LIMITED: YOU DON’T WANT TO BE GLADSTONED! 

 

I will get this posted to them and PCM later today if you think the new section is OK and I don't receive any further suggested amendments. From my reading, the letter should not have a regular signature but the name should just be typed at the bottom. Is this correct?

The other letters will be posted here in due course.

Huge thanks!

AJJM

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No will & John are a bona- fide law firm, so knock that bit out they are also referred to as the worst solicitors as in lose their clients moneywhen they advice a PPC to do court on flimsy rubbish POC & WS , and they lose, its referred to as being "Gladstoned".

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Agree with BN, the letter was already fine, and there was already the bit at the bottom about being Gladstoned.

 

I would include both numbers, you want them to know which case you are ridiculing.

 

Yes, don't sign it.

 

Send it off today.  I was thinking that maybe the next letter next week should come from your lawyer friend, in a more formal style and just emphasising she/he is an expert in contract law without giving any other details.  That should "seperate" the letters, and keep Gladdys guessing but also show she/he too would be big trouble in court.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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

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Ok I clearly got carried away in the excitement! My friends' letters will be posted here when complete and will be posted with the timescale suggested. Have amended my letter which, for completeness of the thread, I post here:

Dear Will & John,

I refer to your letter (Ref xxxxxxx) threatening court proceedings in relation to PCN number xxxxxxx

I am writing to inform you that I have no intention of paying this ridiculous made-up sum of money for allegedly breaking some imaginary contract/T&Cs with your client.

We all know that these are speculative invoices which you use to prey on vulnerable people who know no better.

However, I’m sure that we can both agree that a judge will know better. The charge requested morphed from £100 in one letter to £160 in the next. Another blunder adding this £60 admin fee. I suggest that you look at DDJ Harvey’s judgement at Lewes County Court on 05/02/2020 (Claim number F0HM9E9Z). He was not very happy with these made-up amounts, was he? 

As a busy NHS employee, you can imagine that I have better and more important things to do right now than deal with your threatening letters. It is a shame that you couldn’t obtain employment that might make you feel good about yourself.

 

Your client can either stop this foolishness now or else I look forward to receiving compensation by way of an unreasonable costs order under CPR 27.14. This payment will go a long way to funding a much-needed holiday after such a difficult year.

The parking company have no authority to enforce their conditions and therefore the threats to sue are at best empty and at worst harassment and abuse.

I trust that you will desist with these letters rather than waste further time, money and trees.

 

 

Sincerely,

 

xxxxxxxx

 COPIED TO PCM (UK) LIMITED: YOU DON’T WANT TO BE GLADSTONED! 

 

What a lovely sunny day to cycle to the post office to get my proof of posting receipt!

Thanks to all

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Yup, copies posted to both. Just sorry I failed to think of potentially the best line I could have used before posting - "as a urologist, I see a lot of balls but this really takes some beating"...

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