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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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House sold do i have to pay anything back to dwp?


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My brother due to mental illness has been on long term sick since 1989, DWP having been paying the interest on his mortage. He has now sold his house. Does anyone know if he has to pay back money to the DWP, there is a shortfall on his endowmentand he will come out with very little equity. If he has to pay back to DWP how can I be sure that he is being treated fairly, I would appreciate any guidance. Thank you all.


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He does not have to repay mortgage interest payments to the DWP, no.

 

If his equity is more than £16,000, it may affect any means-tested benefits he receives, although this is a complex area of the law.

 

On edit: I'm working here on the assumption that he's receiving Income Support, IB or ESA on the basis of inability to work, and that's why he's had MI payments made to his lender on his behalf. If this isn't the situation, you'd need to tell us a bit more - what benefits does he receive, for example?

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He does not have to repay mortgage interest payments to the DWP, no.

 

If his equity is more than £16,000, it may affect any means-tested benefits he receives, although this is a complex area of the law.

 

On edit: I'm working here on the assumption that he's receiving Income Support, IB or ESA on the basis of inability to work, and that's why he's had MI payments made to his lender on his behalf. If this isn't the situation, you'd need to tell us a bit more - what benefits does he receive, for example?

 

Thank you for replying so quickly to my thread.

 

My brother receives DLA. IB and income support. We sadly lost our mother earlier this year and she willed the house between her 4 children with the proviso that my brother could live there for as long as he wished, this is why he has has sold his house. After costs etc the equity from sale should be approx. £25,000. When the house was put on the market we enquired of DWP if anything had to be paid back but they would not commit to a % of pay back but certainly gave the impression that they would expect to be paid some of the equity.Any light you can throw on this grey area would so greatly received.

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My brother will not buy another house but will live in the house which my mother has left to us. Any idea what DWP will do about this?

 

His DLA won't be affected. There's something about the money being ignored for x months if the intention is to buy another house.
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If he's not buying another house then the DWP will probably treat his equity as capital. This won't affect DLA, but it would affect any means-tested benefits such as IS. A person with more than £16,000 in capital is not entitled to these benefits.

 

The mortgage interest payments made to his lender count as part of his benefit from the DWP point of view - they're not relevant to the situation and the DWP can't ask him to repay them.

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If the house is aleady sold, your brother needs to make a call to his benefit centre state that he has sold the propety and has capital of 25k after the sale.. The claim will then be suspended, he can also do a change of address, he will then be asked to send in copies of completion statements to include bank statement showing the date the money sale of the house went into the account. The claim will then close from the date the 25k went into his account. If he has been paid past this point then they may be a small over payment of I.S.

If he is in receipt if IB the capital will not effect this money and he will still receive this benefit.. But if he was IB credts then his benefit will cease as he would have been on full I.S.

The mortgage interest will not be recovered. This is the policy now :)

If he doesnt inform the dept and they keep paying the mortgage, this sometimes happens then they will be an overpayment and this will be raised.

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Thank you so much for this information, I have trawled the internet looking for the answer. Is this based on DWP latest policy? I assume so.

 

The capital limits for means-tested benefits are set by Parliament, not the DWP. The fact that the interest payments are not recoverable I'm less sure about - I mean, I know it's the case but I couldn't tell you if that's law or policy.

 

If you want to independently verify advice you get here (a wise idea - we do our best but we are fallible :wink: ) then a lot of the guidance to processors is available by searching the DWP website. Hint for this is to use google rather than the site's own search function. Go to the google homepage as type something like "site:dwp.gov.uk income support capital decision makers guide" (without quotes) and see how it goes. Searching the DWP site is annoying, but very often the information is there - buried under a ton of stuff you don't care about.

 

Edit: most other search engines offer a similar function if Google is not your preference.

Edited by antone

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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