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Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - bananastand

got a debt collector letter today asking for £160

date of alleged parking CHRISTMAS EVE

I know for a fact I didn't get a yellow ticket on the screen and I have 100% not had any previous letters.

It's an NCP and I paid by app and I've got the times - of course now I realise they dont use yellow tickets, just cameras

BUT the debt collector says it's too late to appeal the ticket

I know the odds are against me

Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - concrete

This is strange. Surely there can not be a debt without a court judgement against you. If as you say there has not been any correspondence regarding this it is possible that judgement has been given in your absence. Therefore the first question I would ask is to see the judgement, what court is it from and when was it issued. A company simply cannot state there is a debt and hire a collection company to collect it unless there is an actual debt ratified by a court. If so there will be paperwork to prove this. Maybe someone is flying a flag here and trying to scare you into paying. Don't give them a penny until written and verified proof of this debt is shown. I would also contact the CEO of NCP and ask him to explain this situation to you. Mobile records should show if you paid by APP and your bank statement will verify this also. Unfortunately these sharks make you do some digging to defend yourself but you have no choice if you wish to refute this and stick it up them in return. Good luck. There are several people on the forum with good legal knowledge and experience and I am sure one of them may comment with better advice. In the meantime stick to your guns.

Cheers Concrete

Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - Bromptonaut

A company simply cannot state there is a debt and hire a collection company to collect it unless there is an actual debt ratified by a court.

They absolutely can and regularly do. You can though ignore them or tell them to take a running jump. They cannot send in bailiffs with powers to seize property etc but mere debt collectors who hassle and implicitly threaten are a commonplace escalation for debt owed.

If there is a CCJ, and it would be remarkably quick for an infringement at Christmas 2020 it would show up if the OP used a credit checking app such as Credit Karma. Unless there's some discontinuity around his address there should have been a claim and various other correspondence from the County Court.

My guess is that it's simply been passed to a debt collector in the hope that OP will pay up.

If the OP has the time and patience then it's probably worth making inquiries of the Car Park Operator as to the precise details of the infringement and when notices were sent to you.

Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - bananastand

sorry guys there's no judgment yet (I'm still waiting for a small claims judgment against someone I sued last january)

it goes "your case has been passed to **** debt recovery UK ....to avoid further action.... if you do not pay.... we will be forced to take further action.... our solicitors might be instructed....Please note it is too late to appeal the original ticket.... our client might initiate legal proceedings at any stage....

NOW THEN I understand there is some sort of cut off point after which you cant appeal but I can prove I paid for the cotton-pickin' parking anyway AND this is literally the first I've heard off them
Much appreciated thankyouplease

Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - bananastand

thinking about it, even if there is a cut off point when you can't appeal - I didn't know of any infringement and got no letters and I can PROVE I paid

Writing to NCP CEO sounds like a good idea, suggesting that I am happy for him to take it to court

.....maybe

Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - daveyjp

As its a private ticket try here and do some reading of the FAQs.

https://forums.moneysavingexpert.com/categories/parking-tickets-fines-parking

Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - bananastand

about 8 years ago I successfully got a ticket quashed but the rules have tightened up since then ANGRY FACE

Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - concrete

A company simply cannot state there is a debt and hire a collection company to collect it unless there is an actual debt ratified by a court.

They absolutely can and regularly do. You can though ignore them or tell them to take a running jump. They cannot send in bailiffs with powers to seize property etc but mere debt collectors who hassle and implicitly threaten are a commonplace escalation for debt owed.

If there is a CCJ, and it would be remarkably quick for an infringement at Christmas 2020 it would show up if the OP used a credit checking app such as Credit Karma. Unless there's some discontinuity around his address there should have been a claim and various other correspondence from the County Court.

My guess is that it's simply been passed to a debt collector in the hope that OP will pay up.

If the OP has the time and patience then it's probably worth making inquiries of the Car Park Operator as to the precise details of the infringement and when notices were sent to you.

Sorry Bromptonaut, my terminology is incorrect. Of course they can state whatever they like but without a judgement they cannot enforce the debt. I always though a debt was money owed, not just money said to be owed. For it to be owed you need an invoice completing the contract or a judgement declaring it a debt owing. These unscrupulous types will try scare tactics at the first opportunity hoping it will result in payment. Should be stopped. My apologies for the confusion.

Cheers Concrete

Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - bananastand

thanks everyone that forum on MSE is certainly very interesting reading. You may be assured I will keep y'all up to date

Saab 9-3 Convertible - parking, no ticket, no letters, now debt collector - Heidfirst

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