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    • I have been with PP since April 2006. I have paid in total around £40K but still owe £14K. I have reduced the payments over the years as I no longer work. I have had an excellent credit rating since 2014 and all the debts listed below have never appeared since 2014. I am now going to live abroad and unsure how to proceed. Details are:   3 x Hoist 2 x bank accounts 1 credit card originally with HSBC/then Lewis/Hoist/HSBC/Hoist Total £2.5K (£1600 is the CC) I applied some years ago for a CCA. They placed my account on hold whilst requesting info from HSBC. They sent 2 follow up letter to me saying still waiting and since then nothing although they regularly offer me settlement letters with a 20/30%  discount. 5% on the bank accounts      Link credit card originally Egg then Barclaycard and now Link. CCa requested some years ago via Barclaycard and they sent a reconstituted agreement  and confirmed they were unable to provide the copy of terms for my agreement but went on to remind me I still had a duty to pay although they could not enforce. Amount outstanding £2K   Link x 2 MBNA CC. I applied for CCA and both received (they had to request them from MBA first so took time ) Total outstanding £6K   Paragon was M&S CC CCA requested and received but by Moorgate (must be Paragon?) Amount outstanding £900   Westcott credit services was Natwest/RBS was a Mint CC sold to Westcot/Cabot and then back to Westcot CCa requested and received Total outstanding £2K   All the CCa provided a copy of the agreement with my signature. There was no PPI, I checked all that. Im unsure how to proceed and wanted some advice, my thoughts are:   Should I give them my new address abroad? Occasionally some of them send me a statement, but I wish they would not as this all happened before I remarried so have never shared this info with my hubby.   Do I reduce the amount I am paying via PP from the current £70 to a more affordable amount    Should I bin of PP and go direct to them with new address and F&F offer of around 20% ( I will be in a position to offer this next month) but it would be a one of as I will be gifted some money   I will no longer be on the electoral role in the UK but do not want to cause any problems down the line. I would just like this whole thing done with. I defaulted in 2004 so 16 years ago and so many charges were added at the beginning, I think the debt to start with was only £45K.    Any advice would be greatly appreciated. Thanks in advance    
    • sounds like it might not have been actually sold until hoist got it? was that a notice of assignment?    
    • Thats the one. sorry, doh!   Let me dig about and find it after I sort the other thread out, thanks   Yeah, it is, more or less the same as my other thread.
    • pers i'd insist they default you and mark the debt as such. don't wait for them to agree pay what you said when you said then see if they agree to your terms id not letter two time that's there as well.   dx  
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JC101

Marstons and PCN - do i owe £235 visit fee when no note left of proof?

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Hi - thanks for your help!
 

I had a  parking ticket that went to Marstons to be settled by the 7th November,

I thought it was the 17th

 

I went online to pay it yesterday (so 1 working day later) and they had added the further £235 Enforcement fee?

There had been no visits or letters from them

- is this charge legal without them actually doing anything further?

 

Thanks,


Jason

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The enforcement fee of £235 may only be charged AT THE TIME OF THE VISIT......not before. 

What you would need to do is to call the company and ask them why the fee has been added when supposedly, no visit has taken place. 

 

Please post back with any response. 

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Have you had the first Compliance letter, where £75 would be added?


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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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Yes, i received the letter and £75 compliance in the post.

That gave me until the 8th to sort out an arrangement.

I didnt as was away for the weekend.

I got a text from the enforcement agent to say i really need to get this sorted, and I paid yesterday.

 

 

Today I received a note from him through the door to say the enforcement fee is outstanding. 

 

His text says

' On the 8/11 the case passed to an enforcement stage and the statutory fee of £235 was added making the balance £513 as of Friday 8/11. I've contacted you yesterday in order to avoid getting the car clamped etc...:

 

He text me as i've had some dealings with him years ago, so i guess he was helping me out (although only to make sure he got paid..) 

 

Their office seem to imply their is satellite confirmation that he came to my property, but 100% no letter received through the door.  

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who did you pay?

and did you include the £75 in that figure?


..

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I paid Marston directly online,  I have a receipt for that, and yes, included the £75 in that figure. 

 

I've now received a response from the bailiff when I questioned if he visited - 

 

"There is an enforcement fee charged and logged with a visit on the 08/11/2019 at 06:20 hrs.

I don't know if a letter was left or not.

 

A second visit was logged yesterday morning at 06:31 when your vehicle was spotted parked a cross the road from your address.

 

You can access the full log of all these visits with GPS coordinates from Marston Group.

 

In order to get access to this you have to file a Data Subject Access Request with Marston Group.

 

I will be on XXXXXXX around 09:30 am tomorrow and I can show you what it is recorded on the system.

 

Regards,

Marstons"

 

I really dont want to pay and then have to claim back with a small claims court if necessary (although have done that and received £1000 in compensation) 

 

Thoughts?

 

 

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so all in order for them

they have proof of visits

 

so what time yesterday did you pay?

if this was after 06:31 AM ...you owe the £235 fee.


..

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Do they not need to leave a note? 

 

I've had experience where they say they've been and havent. 

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One issue would be Cleared Funds, as in pay online and it may be 3 days before the payment is showing in their bank


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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Hi Brass, no - that definitely wasnt the issue as they admitted to amount was only missing the £235. 

 

I'm just confused - if they didnt leave a note, then what proof do i have they had come to my property?

 

Thanks

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not that I am aware of

though you'd think they would leave something.

 

you'll have to SAR them.

id do that rather than ring.

 

though we all know GPS data can be faked but would someone do that? IMHO no.

 

 

 


..

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Unfortunately there is no statutory requirement to leave a notice, although most do.

Were you in at the times they said they called?


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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