My Daughter has just had a letter from a debt recovery agency from a parking violation in an NCP car park, which is probably correct. The issue is she has recently moved house and despite changing her driving license and logbook from the date she moved, she had no correspondence from NCP about the offence, only this letter from the debt people.
So as she followed what was required of her by the DVLA, i'm not sure they have followed the process correctly? Is she right to dispute it based on that?
Taipan wrote: ↑Sun Oct 13, 2024 1:59 pm
My Daughter has just had a letter from a debt recovery agency from a parking violation in an NCP car park, which is probably correct. The issue is she has recently moved house and despite changing her driving license and logbook from the date she moved, she had no correspondence from NCP about the offence, only this letter from the debt people.
So as she followed what was required of her by the DVLA, i'm not sure they have followed the process correctly? Is she right to dispute it based on that?
TIA
Did she actually get a parking ticket on the car?
(There was a recent article on parking fine scams in Which? so I'd give the letter a good hard stare).
Doubt is not a pleasant condition.
But certainty is an absurd one.
Voltaire
I've had something similar, two demands for £170 from whichever scammers Southern Rail use.
They make life as difficult as possible, the letters said as it had gone to debt collectors there was no appeal allowed. I could only contact them with the 'PCN' on the original letter that I didn't receive, the industry body who is meant to regulate them wouldn't get involved without that number either.
I finally managed to get the train company involved who viewed CCTV and found the anpr system was poorly designed and sent penalties when it shouldn't. It took two attempts from them to get the demands to stop.
The attempts to regulate the industry a few years ago don't seem to have worked very well, it's given them more power with less accountability.
It may or may not be a debt, but debt collection companies are just bullies with no power. Tell them to piss off (you will need to do this several times), you will dispute the debt with NCP.
Write to NCP, explaing situation and keep a copy. They probably won't reply but if it ever gets to court (unlikely) this will be your get out of jail card.
Taipan wrote: ↑Sun Oct 13, 2024 1:59 pm
My Daughter has just had a letter from a debt recovery agency from a parking violation in an NCP car park, which is probably correct. The issue is she has recently moved house and despite changing her driving license and logbook from the date she moved, she had no correspondence from NCP about the offence, only this letter from the debt people.
So as she followed what was required of her by the DVLA, i'm not sure they have followed the process correctly? Is she right to dispute it based on that?
TIA
Did she actually get a parking ticket on the car?
(There was a recent article on parking fine scams in Which? so I'd give the letter a good hard stare).
No. Its the train station carpark run by NCP using ANPR. So any breach is met by a postal charge with a photo, which she has never received.
Taipan wrote: ↑Sun Oct 13, 2024 1:59 pm
My Daughter has just had a letter from a debt recovery agency from a parking violation in an NCP car park, which is probably correct. The issue is she has recently moved house and despite changing her driving license and logbook from the date she moved, she had no correspondence from NCP about the offence, only this letter from the debt people.
So as she followed what was required of her by the DVLA, i'm not sure they have followed the process correctly? Is she right to dispute it based on that?
TIA
Did she actually get a parking ticket on the car?
(There was a recent article on parking fine scams in Which? so I'd give the letter a good hard stare).
No. Its the train station carpark run by NCP using ANPR. So any breach is met by a postal charge with a photo, which she has never received.
How many £ difference is there between what the debt recovery people are demanding and the charge if it had been paid up front? I'd try offering the original charge and explaining it couldn't be paid promptly because it never arrived. (No forwarding mail service?). Wouldn't be surprised if it was never sent and they just sell off all the charges to the agency though.
Problem with the advice to tell them to 'piss off' is they're very adept at screwing up your credit rating.
Doubt is not a pleasant condition.
But certainty is an absurd one.
Voltaire
Taipan wrote: ↑Sun Oct 13, 2024 1:59 pm
My Daughter has just had a letter from a debt recovery agency from a parking violation in an NCP car park, which is probably correct. The issue is she has recently moved house and despite changing her driving license and logbook from the date she moved, she had no correspondence from NCP about the offence, only this letter from the debt people.
So as she followed what was required of her by the DVLA, i'm not sure they have followed the process correctly? Is she right to dispute it based on that?
TIA
Did she actually get a parking ticket on the car?
(There was a recent article on parking fine scams in Which? so I'd give the letter a good hard stare).
No. Its the train station carpark run by NCP using ANPR. So any breach is met by a postal charge with a photo, which she has never received.
As said before though, the greater danger is that the agency ruins your credit rating. They're supposed to get a CCJ first and the agencies have been know to do that - pour encourager les autres perhaps. People seem quite happy to play fast and loose with someone elses daughter's credit rating. Pietin said that the original charge was probably a fair cop so the best outcome is probably to cut a deal to pay the original charge and not the ramped up one.
Doubt is not a pleasant condition.
But certainty is an absurd one.
Voltaire
CCJs need a Court, and that means you get notice and a chance to enter a defence. And the damage to credit rating really starts AFTER a CCJ. Up to that point it is just a disputed contract issue.
Yorick wrote: ↑Tue Oct 15, 2024 3:12 pm
Do folk still worry about credit rating?
Thought that was only for kids who need mortgages and loans?
This is for a kid, FFS man show a little bit of compassion for the world outisde of your fucking island paradise. I'm honestly getting sick of your superiority to everyone else on the fucking planet.
Despite the fine legal advice provided up there ^^^^, the one thing absolutely NOT to do is ignore it (telling them to go forth an multiply isn't likely to be an improvement on ignoring them).
Doubt is not a pleasant condition.
But certainty is an absurd one.
Voltaire
Yorick wrote: ↑Tue Oct 15, 2024 3:12 pm
Do folk still worry about credit rating?
Thought that was only for kids who need mortgages and loans?
This is for a kid, FFS man show a little bit of compassion for the world outisde of your fucking island paradise. I'm honestly getting sick of your superiority to everyone else on the fucking planet.
It was a genuine question. I forgot who it was originally aimed at.
Yorick wrote: ↑Tue Oct 15, 2024 3:12 pm
Do folk still worry about credit rating?
Thought that was only for kids who need mortgages and loans?
This is for a kid, FFS man show a little bit of compassion for the world outisde of your fucking island paradise. I'm honestly getting sick of your superiority to everyone else on the fucking planet.
It was a genuine question. I forgot who it was originally aimed at.
It's at the top of the thread, but either way, yes people care. Not everyone is mortgage free on here, far far from it.
Yes, 'folk' still worry about getting their credit rating dished. If there's a CCJ logged on it it's visible to banks, credit card companies, other lenders, property letters, companies that work on a credit basis (which could even mean mobile phone contracts are declined). It's also visible to potential employers (they may have to get your permission if they want to look). It can be difficult to get a mortgage - there are stories about housing chains collapsing because someone gets hit with a CCJ and a 250 point drop in credit rating part way through the process.
So, lots of people...in fact, probably, most are better off not fannying about over (particularly ignoring) a fine when the result could cost them a lot more.
Doubt is not a pleasant condition.
But certainty is an absurd one.
Voltaire
How to deal with this situation with a debt recovery agency?
The issue is she has recently moved house and despite changing her driving license and logbook from the date she moved, she had no correspondence from NCP about the offence, only this letter from the debt people. 
She is a 25 year old kid who does need mortgages and loans!