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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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Civil Enforcement Ltd (again!)


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sounds like demanding money with menaces or black mail. Take the letter to you local police station.

 

 

Who unfortunately will say that it is a civil matter then send you on your way.

 

Rstainthorpe - do they say 'will' or more likely 'may'? Fact is that you have received an invoice, not a legal fine or penalty. To get anywhere near a bailiff's visit they will have to:-

 

1. Issue a County Court claim (they won't)

2. Win the case (they won't)

3. Not receive payment of the Court Judgement (go back to Point 1)

 

You could write to them and argue, but this will mark you out as a player, so your best offer is to tough it out. You will get reminder letters, probably increasing the amount 'due', and containing more threats of Court action. The next stage will be letters from debt collectors making the same threats (just remember they can't blacklist you, or do any more than threaten), then they will probably offer you a discounted rate to settle before they are 'forced to take legal action'. Finally when they realise that it is actually costing them more than anything they could hop eto recover, they will disappear.

 

If at any time you need reassurance or help with something you are worried about, simply post back here.

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I too have recieved a letter from them. However they say that a bailiff will come to my property for the monies.

 

:lol::lol::lol:

 

Will this happen or will they have to take me to court first?

 

No and yes.

 

I also do not want a CCJ issued against my name.

What are the legal technicalities of all of this?

 

You wont get a ccj against your name, it is all part of the bluff to frighten you into paying, don't fall for it.

 

I am totally disgusted that they do this, i am a single mother that was 11 minutes over the qualified time, and now they demand £120. I do not want to pay.

 

Simple, then don't.

 

Please advise.

 

OK, ignore all the free toilet paper the ppc will send you.

 

Thank you

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Having now read a great deal on this subject (thanks to sites like this) I feel so much more informed.

 

I am very aware of the tactic to ignore and not be seen as a 'player' ie someone who is prepared to engage and communicate, someone who is maybe worried, someone who is concerned - more importantly someone who is a potentially vulnerable and therefore a victim. I understand this, however there is a also a large school of thought out there which says do this but - and here is the point for discussion, send a first and only letter to them first setting out your store and position. This being an insurance policy which in the highly unlikely event of court proceedings will be looked on favourably by a magistrate.

 

Back to the floor - would appreciate the Experts Views. Thanks

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time and time again it has been proved that simply ignoring them works, why on earth would you even concider entering into dialogue with them. Would you reply to the many [problem] emails you get asking for your bank details so that they could send you £50,000 ??

The IGNORE route works the best , this is what the PPCs hate the most , this is why you get the PPC trolls on these forums telling you to appeal or pay up and appeal!

This is what the PPC would do to you if you sent in an appeal, all they are after is your money!

Edited by SURFBOY

hello all:-)

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??????????

 

quote

 

This being an insurance policy which in the highly unlikely event of court proceedings will be looked on favourably by a magistrate.

 

first what insurance and why would a Magistrate be looking @ it

 

if and when it actually went to court its a COUNTY COURT NOT A CRIMINAL ONE

..

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. This being an insurance policy which in the highly unlikely event of court proceedings will be looked on favourably by a magistrate.

You are not required to respond to [problem] mail, and it would make no difference to a DJ if you did or not.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Yes - sorry County Court.

 

So advice is not even one opening (back-off letter) simply silence?

 

A 'back-off' letter to you and me means exactly that, to a [EDIT] it's the biggest come on ever. You have confirmed your name and address and shown you might be pushed into paying if the threats get hard enough.

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The amount of attempted extortion is well out of hand. Should we all boycott all retailers where these cowboys operate the car parks and all spread the word to, say, 10 others? That would be a big loss of trade and might apply minds when renewal of contracts is considered.

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Yes I agree, highlighting to businesses Sharks that operate car parks that they rely on for their income is a good lobbying tactic and one which could yield a new type of pressure. Let's do it.

 

Still waiting to hear from someone who has been through the letters and threats and come out of the other side with a smile.

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The amount of attempted extortion is well out of hand. Should we all boycott all retailers where these cowboys operate the car parks and all spread the word to, say, 10 others? That would be a big loss of trade and might apply minds when renewal of contracts is considered.

 

Yes I agree, highlighting to businesses Sharks that operate car parks that they rely on for their income is a good lobbying tactic and one which could yield a new type of pressure. Let's do it.

 

Still waiting to hear from someone who has been through the letters and threats and come out of the other side with a smile.

 

Unfortunately that is something that will never work in the UK. We seem to be a nation of whingers and do nothing. It was tried with petrol but motorists couldn't even be bothered to drive a few extra yards to boycott a certain filling station.

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Boycotting and more publicity seem to be the only way we can help prevent others getting conned; I expect the majority of people just pay up but we are talking (even at the reduced early payment rate) of half a pensioners weekly pension, which is appalling for an, often inadvertent, infringement of possibly only a few minutes!

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I am happy to ignore the notice that we received today. My only worry is, the notice was issued against the company vehicle. So the notice was passed on by the finance department who have asked us to deal with it. Which is fine, but if i ignore it then they will just keep writing to head office. Who may decide to pay it and take it out of my husbands wages.

So, as much as i dont want to it sounds like i might have to write to them once, so that they write to us here rather than head office. Then i can ignore them. What do you think?

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Boycotting and more publicity seem to be the only way we can help prevent others getting conned; I expect the majority of people just pay up but we are talking (even at the reduced early payment rate) of half a pensioners weekly pension, which is appalling for an, often inadvertent, infringement of possibly only a few minutes!

 

There is an advert running at the moment for one of these comparison sites and it sums up the UK to a tee.

There is a girl on the phone agreeing to her car insurance quote and saying "I suppose I will have to pay it", but the phone is taking from her by some guy who says down the phone, "It's a hatchback not a limosine, you've got to be having a laugh".

 

The Uk people never puts up a fight, we just tend to lay back and accept it, and that is true in all walks of life.

 

We need a 'union' of the people to stop us being continually walked over.

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Well i got a response back from these F****** jokers!

They sent me a 'Cessation of Correspondance' basically meaning they are not going to be writing to me, rergarding this matter anymore...pay or else!!!

They put at the end of the letter..they will pass this over to a debt collector!!!

 

Whats now guys?

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They put at the end of the letter..they will pass this over to a debt collector!!!

:eek::eek::eek:

Ahhhhhhhhh, not debt collectors? You mean people with absolutely no powers to do anything but send out silly letters some even in scary red ink?

Better pay up quick:grin:

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Hi. I have read through a lot of the posts but not all due to time constraints and the slowness of my computer, so hope I will be forgiven if the answer to my question is here somewhere. I have been sent the usual outrageous demand by CEL (parking in Budgens free car park for half and hour to take my elderly father in law shopping - they say I was in the access road - they cannot possibly have the evidence of this that they say they do as I was wholly within the carpark.) My question is simply has anyone ever, whether they wrote back to dispute or simply ignored all correspondence, been summonsed to court or had a debt collector turn up on the doorstep? I live with a learning disabled brother who is very suggestible and I am worried that if I just let things take their course that he will let someone in. (He has form for this as I once came home to find an enormous hole in the front garden dug up by BT with his "permission.) Many thanks for any help.

Regards

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