Jump to content


  • Tweets

  • Posts

    • 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          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
  • Our picks

dad52

Parking eye PCN - HOLIDAY INN EXPRESS LUTON AIRPORT, 2 Percival Way, Luton LU2 9GP -lost popla appeal

Recommended Posts

hi, did a few while in the area, did stop a for a while on each and i guess thats what did it..

Share this post


Link to post
Share on other sites

so double dipping

detection on 1st arrival 

departure on last U turn

 

ANPR system is obv not very good.

 

what date is the letter of claim please


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 

 

Share this post


Link to post
Share on other sites

LETTER BEFORE COUNTY COURT CLAIM is dated 1st october,  vehicle was parked outside from time to time, but never went past the barriers..

Share this post


Link to post
Share on other sites

so time for an ericsbrother snotty insulting letter by 1st nov on their useless ANPR system that cant handle multiple entry/exits by the same car in the same day


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 

 

Share this post


Link to post
Share on other sites

would this be best by post or email.? are there any templates to use?

Share this post


Link to post
Share on other sites

you never ever use email!! nor give them one

just gives them a free way to harass you.

 

EB should be around before your deadline

not sure if there is an example of a double dipping one here in a previous post already


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 

 

Share this post


Link to post
Share on other sites

The car did a few u turns, and stopped outside the car park for a while too on some of them.

Share this post


Link to post
Share on other sites

our custom google search box is you friend

 

x

 

d


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 

 

Share this post


Link to post
Share on other sites

Hi, i didnt think it was an  awful letter to PE.

Share this post


Link to post
Share on other sites

Read the link that dx has provided.

 

The letter from EB at the end is more like what you should be sending.

No point whining over the same thing to PE - they've laughed at you up until now so are they likely to have a change of heart now?

 

You're thanking them for trying to rip you off.... really??

 

Time for you to laugh at them and tell them how stupid you think they are.

 

I thought PE usually used solicitors for LBCs - is this

a) definitely a letter before claim and

b) definitely from PE and not their solicitors?

Share this post


Link to post
Share on other sites

hi, deff letter before claim from PE

Share this post


Link to post
Share on other sites

Okay, then follow the link from dx to get a better idea of what you should be saying.

 

You're not appealing, you're telling them to Foxtrot Oscar.

Share this post


Link to post
Share on other sites

 

so something along the lines of

dear sirs,

thank you for your letter dated the xxth of yy 2019.

 

I am glad you sent it because I had been feeling a bit low recently and it gave me such a good laugh i now feel much better.

 

as you know alex Shipp, aka the Parking Prankster very well you will also know the term "double dipping" equally well. 

your £9.99 camera system has failed to differentiate the difference between a couple u-turns on a public highway and a supposed parking event.

 

This has been compounded by a lack of any intelligent input from the person who supposedly applies quality control to things before a demand is sent out.

 

I now look forward to either a letter telling me that you are discontinuing this fools errand or a court claim form.

 

As you have now been warned that any action will be treated as vex you wont be surprised that I will seek a ful costs recovery order even if you later drop this claim because you should have known it has no grounds that lead to a cause for action.

  • Like 2

Share this post


Link to post
Share on other sites

p.s.

are you still ticketing buses at ASDA Beddington Lane or can you tell the difference between them and people with shopping trollies now?

 

 

 

this is not the only example but was well known locally

Share this post


Link to post
Share on other sites

I LIKE THE LOOK OF THAT.LOL

Share this post


Link to post
Share on other sites

Basically you are telling them you have a big stick and arent afraid to wield it if necessary.

With luck they will just go quiet now, you wont get an apology as that would be an admission that their kit is pants and they know they are just crooks

Share this post


Link to post
Share on other sites

And adding in that you know they are on  a hiding to nothing as you know they know they don't really have any claim and their poxy ANPR by caturing non parking vehicles is putting them in breach of GDPR, which they have broken in your case.  Might be worth telling them they are being reported to ICO for their ANPR that seems to be behaving like CCTV doing general surveillance.


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 OTHER

 

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!

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...