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Debt collection letter - is this a scam/valid/enforceable?
Still
post Thu, 29 Nov 2007 - 17:25
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I received a letter from a Debt Collection agency based in Halifax saying they were acting on behalf of BPM Ground Services Ltd who had an outstanding debt of £90 against me in relation to a parking ticket(s). They quoted the make and registration of my car but gave no further information. No date or location when this ticket was issued.

When I phoned to query I was told that it was issued on 16th January 2007 and that BPM managed car parks so it would have been in a car park.

When I said that I have never returned to my car in a carpark and had a ticket on it and there has been no correspondence at all from BPM and the first I have heard is this debt collection letter, he said that as BPM went into liquidation they wouldn't have been able to write to me but that his company has taken over the debts and I now owe them.

He also said he was unable to tell me where this car park was as he said BPM have gone into liquidation and he did not have access to that information.

The conversation went downhill from there!! I said not only do I have no proof that this parking debt is genuine or indeed where it was supposed to have been issued I also have no proof that this Debt Collection Agency is genuine and not someone pulling a scam.

Surely this can not be enforceable when out of the blue I am sent a deblt recovery letter where they can not give me any details of where the supposed offence took place 11 months after it is supposed to happen?

If this is a genuine Debt Recovery Company how do I handle this and stop them blackening my credit rating????

thanks
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post Thu, 29 Nov 2007 - 17:25
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Andyr86
post Thu, 29 Nov 2007 - 17:28
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I had a simular problem, knew BPM were in administration so advised charge is in dispute and to pass bavk to BPM and never heard anything back.

Also its a private ticket, just ignore it and they will eventually go away.

Andy
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bama
post Thu, 29 Nov 2007 - 17:32
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it wasn't an 'offence' and it is a scam.
send them a registered signed for delivery letter telling them no more than
that the alleged debt is disputed and that they have to refer back to the issuing company.

if it was me I would send them a
"See you in Court"
letter


they don't have any chance whatsoever IMV.

what is the full name and (any) Postal address for these chancers ?


--------------------
Which facts in any situation or problem are “essential” and what makes them “essential”? If the “essential” facts are said to depend on the principles involved, then the whole business, all too obviously, goes right around in a circle. In the light of one principle or set of principles, one bunch of facts will be the “essential” ones; in the light of another principle or set of principles, a different bunch of facts will be “essential.” In order to settle on the right facts you first have to pick your principles, although the whole point of finding the facts was to indicate which principles apply.

Note that I am not legally qualified and any and all statements made are "Reserved". Liability for application lies with the reader.
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Still
post Thu, 29 Nov 2007 - 17:40
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They are called Credit Resource Solutions PO Box 633 Halifax HX1.

I forgot to say that the man became very agitated and said that as we were getting nowhere he was going to send "Field Officers" round to my house then hung up on me he was very very unpleasant.

How much trouble can this company cause can they supply information to credit reference agencies. I am presuming that this "debt" is not enforceable but can they still cause trouble?

many thanks
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bama
post Thu, 29 Nov 2007 - 17:59
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they can not affect your credit. much posts here about this. Adenuff posted very eloquently on it. Have a quick search and also see the PPC FAQ that hangs off the Read This sticky at the top of this forum.
PPCs (and their 'debt collectors') are operating a scam, it is a Con so expect them to lie.

edit addition:
found it
http://forums.pepipoo.com/index.php?showtopic=24362&hl=

This post has been edited by bama: Thu, 29 Nov 2007 - 18:02


--------------------
Which facts in any situation or problem are “essential” and what makes them “essential”? If the “essential” facts are said to depend on the principles involved, then the whole business, all too obviously, goes right around in a circle. In the light of one principle or set of principles, one bunch of facts will be the “essential” ones; in the light of another principle or set of principles, a different bunch of facts will be “essential.” In order to settle on the right facts you first have to pick your principles, although the whole point of finding the facts was to indicate which principles apply.

Note that I am not legally qualified and any and all statements made are "Reserved". Liability for application lies with the reader.
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Muggerbee
post Thu, 29 Nov 2007 - 18:00
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They can only cause trouble for themselves, all depends how much you want to punish/annoy them
As soon as they start getting angsty and threatening then they instantly become your Biatch laugh.gif


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Still
post Thu, 29 Nov 2007 - 18:10
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Bama - thanks that link was great. Actually feel a bit stupid because I wasn't aware that there was a difference between a private parking notice and a council issued one well you live and learn.

Greatly relieved. I will ignore and see what happens although kind of like Muggerbees idea of them becoming my Biatch!!


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bama
post Thu, 29 Nov 2007 - 18:14
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Adenuff did the good work.
You are not alone in not knowing the difference - many scumbags PPCs fake Council tickets deliberately as part of the scam.
Now you know how this scam works tell ALL your friends about it.


--------------------
Which facts in any situation or problem are “essential” and what makes them “essential”? If the “essential” facts are said to depend on the principles involved, then the whole business, all too obviously, goes right around in a circle. In the light of one principle or set of principles, one bunch of facts will be the “essential” ones; in the light of another principle or set of principles, a different bunch of facts will be “essential.” In order to settle on the right facts you first have to pick your principles, although the whole point of finding the facts was to indicate which principles apply.

Note that I am not legally qualified and any and all statements made are "Reserved". Liability for application lies with the reader.
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dave-v
post Fri, 30 Nov 2007 - 19:52
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I also recieved a letter from these guys yesterday relating to a £90.00 debt they claim I have with BPM Parking Services. As this was the first I had heard of this I rang them, but the woman I spoke to would only tell me that if I didn't pay they would take me to court, and that if I wanted any details of the parking offences I would have to pay them an additional £25.00

I've written them a letter stating that if they believe a parking offence has been committed then they should provide me with evidence within 14 days, or desist from contacting me again in relation to this matter. I also pointed out to them that as a civil matter, it is not me as the registered keeper of the car who is liable, but whoever was driving, and that in law the onus is on them to prove who was driving at the time of the offence (if indeed an offence occured, which I doubt).

Their full name/registered address is -

Credit Resource Solutions Ltd
46 Prescott Street
Halifax
West Yorkshire
HX1 2QW



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bama
post Fri, 30 Nov 2007 - 21:28
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welcome to the board.

and


Nice One !


--------------------
Which facts in any situation or problem are “essential” and what makes them “essential”? If the “essential” facts are said to depend on the principles involved, then the whole business, all too obviously, goes right around in a circle. In the light of one principle or set of principles, one bunch of facts will be the “essential” ones; in the light of another principle or set of principles, a different bunch of facts will be “essential.” In order to settle on the right facts you first have to pick your principles, although the whole point of finding the facts was to indicate which principles apply.

Note that I am not legally qualified and any and all statements made are "Reserved". Liability for application lies with the reader.
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sarahg1969
post Fri, 30 Nov 2007 - 22:03
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This is their website:

http://creditresourcesolutions.co.uk/People.html
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bama
post Fri, 30 Nov 2007 - 22:12
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QUOTE (sarahg1969 @ Fri, 30 Nov 2007 - 22:03) *


not the first time they have come up on the board.

over 100 million of debt under management in 2005 - and yet still they are filed on Companies House with the standard 'small company total exemption'.

good grief they must be inept.. or lying to someone/severalones.

can't help but wonder if this is a case where the debt collection agency owns the scumbag PPC ? ?

standard procedure applies i think.


--------------------
Which facts in any situation or problem are “essential” and what makes them “essential”? If the “essential” facts are said to depend on the principles involved, then the whole business, all too obviously, goes right around in a circle. In the light of one principle or set of principles, one bunch of facts will be the “essential” ones; in the light of another principle or set of principles, a different bunch of facts will be “essential.” In order to settle on the right facts you first have to pick your principles, although the whole point of finding the facts was to indicate which principles apply.

Note that I am not legally qualified and any and all statements made are "Reserved". Liability for application lies with the reader.
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fatboytim
post Fri, 30 Nov 2007 - 23:54
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QUOTE (bama @ Fri, 30 Nov 2007 - 22:12) *
over 100 million of debt under management in 2005 - and yet still they are filed on Companies House with the standard 'small company total exemption'.

good grief they must be inept.. or lying to someone/severalones.

can't help but wonder if this is a case where the debt collection agency owns the scumbag PPC ? ?

standard procedure applies i think.



It also says by July 07 they had collected £4m for clients, 4% sucess rate over 20 months isn't great.

I wonder if they 'bought' BPMs debts, and hence they push a bit harder than when they act as agents for reputable companies.


fatboytim


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bama
post Sat, 1 Dec 2007 - 00:26
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if they bought BPMs debts their own 'repute' is already gone.


--------------------
Which facts in any situation or problem are “essential” and what makes them “essential”? If the “essential” facts are said to depend on the principles involved, then the whole business, all too obviously, goes right around in a circle. In the light of one principle or set of principles, one bunch of facts will be the “essential” ones; in the light of another principle or set of principles, a different bunch of facts will be “essential.” In order to settle on the right facts you first have to pick your principles, although the whole point of finding the facts was to indicate which principles apply.

Note that I am not legally qualified and any and all statements made are "Reserved". Liability for application lies with the reader.
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sarahg1969
post Sat, 1 Dec 2007 - 01:08
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Having checked, I can see nothing to suggest that they are connected to BPM. I assume they bought their debts.
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Barnsley Boy
post Sat, 1 Dec 2007 - 07:53
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QUOTE (sarahg1969 @ Sat, 1 Dec 2007 - 01:08) *
Having checked, I can see nothing to suggest that they are connected to BPM. I assume they bought their debts.


It is up to us to try to ensure that Credit Resources Solutions have bought a pig in a poke rather than the jewel in the crown. I'm absolutely amazed that the selling on of such disputed debt is allowed under bantrupcy law.

I can't imagine that Credit Resources Solutions have paid much for the debt [guess 5 pence in the pound].

Suggestion - to get this higher up in google can someone, with higher kudos than me, start up a new thread seeking victims of BPM now being chased by Credit Resources Solutions.

[the bold bit is Bama's idea - apparently has a higher profile on search engines.]

This post has been edited by Barnsley Boy: Sat, 1 Dec 2007 - 07:56
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bama
post Sat, 1 Dec 2007 - 13:58
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someone Pm'd me with the bold text thing, haven't really looked into in depth just passed it on.
it does seem a complex issue viz:-
ww.ihelpyou.com/forums/showthread.php?s=&threadid=10225

finding an easy tag for the names of the (in)famous would help other victims I suppose.
AFAICS putting the [s]scumbag's[/s} PPC's name in the title text will help such as in this thread the text
"Debt collection letter - is this a scam/valid/enforceable?" would garner more attention if it contained 'BPM' and 'Credit Resource Solutions'.

I also find it very hard to believe that the DCA is this case is reputable (or sane). maybe they bought the debt to boost the books despite knowing that they are dodgy i.e. unenforceable. but if they know they are dodgy then they are playing the exactly the same percentage con trick game that the usual suspects do and should be treated with the same respect i.e. none.

This post has been edited by bama: Sat, 1 Dec 2007 - 14:04


--------------------
Which facts in any situation or problem are “essential” and what makes them “essential”? If the “essential” facts are said to depend on the principles involved, then the whole business, all too obviously, goes right around in a circle. In the light of one principle or set of principles, one bunch of facts will be the “essential” ones; in the light of another principle or set of principles, a different bunch of facts will be “essential.” In order to settle on the right facts you first have to pick your principles, although the whole point of finding the facts was to indicate which principles apply.

Note that I am not legally qualified and any and all statements made are "Reserved". Liability for application lies with the reader.
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Arisuta
post Sat, 1 Dec 2007 - 15:03
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Having looked at their web site, it struck me that the profiles of the head people all sound rather vague, so many years in the leisure industry, catering etc. I suspect that they worked as dishwashers and pool attendants and the one from the Royal Bank was kicked out for money laundering or fraud. It is all too pat and sounds like they are meant to be misleading. Debt collection has always had a seedy side to it and giving themselves fancy titles and airs and graces can't alter the fact that they are living off the misery of others. Hope they go bust! tongue.gif
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Barnsley Boy
post Sat, 1 Dec 2007 - 15:55
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From Credit Resource Solutions Website:

We specialise in debt in the following areas:
  • Tertiary placement, let us work hard to squeeze value from your debt.
  • High dispute Consumer/Commercial debt, let us find a way to collect your disputed debt.
  • Debt purchase, let us add immediate value to your bottom line.


May as well say "we specialise in scraping the bottom of the barrel". Might be just about legal but unsavoury to say the least. Despite the smiling girl on the webpage [although even she looks a bit sharky] I would not like to invite any of these people round for dinner.

"High Dispute Debt" err............ isn't that against the OFT guidelines whereby you write to the DCA, say the debt is disputed, refer back to issuing company and they are meant to do just that.

"Tertiary placement"
An innocuous term for collecting on accounts that have been through several debt collection agencies and are considered to be virtually uncollectable - for example, because they have not been admitted for over 6 years and are statute barred or they have not got the proper paperwork. OFT Guidelines have quite a lot to say about this as well.

Debt Purchase - lets hope they have caught a cold on this one.
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Still
post Sat, 1 Dec 2007 - 18:20
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Bama - I found this site because after I talked to the "gentleman" at Credit Resource Solution i googled their company and also BPM Groung Services to try to find out more when I googled BPM a link to this site came up as number 2 - and how glad was I that it did. I hope everyone who receives their letters find their way here also - many thanks!!
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