Notice of Default

annannanna

I received a parking fine in August last year. It was in my residents car park, I had a ticket but it had blown off the dashboard so was not visable.

I have received a few letters from debt collectors and after reading the info here I have ignored them.

I have now received a letter from the debt collectors stating Urgent Notice of Default saying if I do not pay by Thursday they will issue proceedings. It says they are now instructed to register a default notice against me and proceed to issue legal proceedings

I am in the process of buying my first house to anything on my credit file would not be good.

Should I still ignore this or does this letter mean they are actually going to take me to court?

Thanks
Anna

trisontana

It's probably just another meaningless threatogram trying to scare you into paying up. You credit record won't be affected unless it actually goes to court (very unlikely), you lose (very, very unlikely) and then you don't pay whatever the judge orders within 28 days. This is such a remote possibility it's not worth worrying about.

Could you please tell us the names of the parking company and their debt-collector. We like to name and shame on here.

annannanna

The parking company is called Legal Parking Enforcers (UK) Ltd or LPE and the debt collector is called Judge's Demand !

peter_the_piper

Strewth, I've never seen names so designed to frighten someone into paying even unenforceable invoices. In the past the more legal sounding the names have been, the less likely they are to follow up.

trisontana

They certainly like their phoney legal sounding names don't they?

These companies are known about and you should be OK. If, by the remotest chance, you do receive properly stamped court papers then go over to Pepipoo and they will be able to help you. As you have not communicated with them in any way then they have no way of identifying the driver so that will make it very, very hard for them to proceed with a court case.

annannanna

So they definitely cannot put anything on my credit file unless they win a court case?

How can they say they are going to register a default notice if they are unable to do that?

pogofish

annannanna wrote: »

The parking company is called Legal Parking Enforcers (UK) Ltd or LPE and the debt collector is called Judge's Demand !

I would think that Section 40 would take care of those jokers completely:

Section 40 of the Administation of Justice Act 1970 makes it an offence for any person, "with the object of coercing another person to pay money claimed from the other as a debt due under a contract, to
(a) harass the other with demands for payment which, in respect of their frequency or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation"

Just forget about them.

trisontana

annannanna wrote: »

So they definitely cannot put anything on my credit file unless they win a court case?

How can they say they are going to register a default notice if they are unable to do that?

Welcome to the parallel universe of the private parking industry where they think they have the same powers as the police or councils, that debt collectors can come to your house and seize goods, and that they can damage your credit record without going to court. Or to put it more succinctly, they tell a lot of lies.

To answer your question, without a court case your credit record cannot be harmed.

AlexisV

Urgent Notice of Default

LOL. Completely made up phrase.

trisontana

annannanna could you scan and post up all the paperwork (minus personal details) you have received from this company? Then they can be added to the letter-chains at the top of this sub-forum.

Sir_Roger_deLodger

Notice of Default? How can you default on something you never owed in the first place?
And that name, Judges Demand! Best one I've seen yet.