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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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Mortgage arrears barclays


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I have got approximately £4500 mortgage arrears and 6 broken arrangements even though I have informed them when I have broken them as I knew I would and I have been off work this month so broken my last arrangement. The reason for the mtg arrears is due to being I'll when pregnant then my other half leaving me! My last arrangement I have been paying £1089 which was £488 towards my normal payment and the rest off the arrears however barclays wont set another arrangement up for me instead say they will be referring it to some debt management people. I am not sure what to do and don't want my house repossessing but not sure If it's going to happen. I am currently working full time n really struggle making a payment of £1089 but have been since jan 2011. Please advise

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Given your income, you are paying far too much towards the arrears ! no wonder you can't keep it up. I suppose Barclays told you what they wanted you to pay instead of you telling them what you can afford ?

 

You need to write to them encllosing a budget sheet and making an offer of payment you can affiord. I have affixed the budget sheet we normally use, it calculates automatically as you fill it in. If you need help constructing the letter to Barclays, I'll happily draft one for you. Your home won't be repossessed if you can keep up payments and a reasonable amount towards the arrears.

 

Once you have completed the budget sheet come back and let us know how much you have left over each month to pay towards the arrrears.

Budget Sheet.xls

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They have said because of the broken arrangements they will be putting it forward to a debt management company who will visit my house, as the leel of arrears is high and also the high number of broken arrangements.

Barclays said they needed to be paid over a year however will not set anymore arrangements whatsoever even though I wanted to set it for the same amount o start from next month.

I have done a budget previously and genuinely have reason or non payment but the way the senior rep at barclays spoke to me it was clearly stated they would be referring it if I missed this months payment, to which my reply was I would have no way of paying it however could spread it over he remaining six month of the arrangement but the man said no it would be referred.

Thanks

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Well they can say what they want, but you should only pay what you can afford. If they send a debt advisor to your home they will most likely charge you for it, so you need to write them the letter I suggested with your realistic offer of payment, that way if they do take further action you can prove you have tried to come to an arrangement with them. Lenders always want arrears paid over a shorter period of time than is usually practicable but there is no point in saying you will pay a large amount each month if you will struggle to keep it up. If it ever did go to court the judge would only order what you can afford.

 

Have you filled in the budget sheet I affixed to my previous post ?

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I will do that tonight and work everything out, is it likely that my home will get repossessed?

I am worried as I have two young children.

I still have the arrangement in place that will break until the 30th June and they said it would take three weeks for the company to come out, who to be honest I would prefer not coming as my children will be here if I am not at work.

I explained to the colleague at barclays that I know ie had broken arrangments but this one I've paid 5 months required. I did ask them to add it on or extend the term but they also said no.

I feel like I don't have any options left due to violating precious arrangements if that makes sense. However I have always stayed in contact with them to prior warn them if I knew I wouldn't manage to make it. Many thanks again

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I'll draft a letter for you and affix to this thread, once you have done the budget sheet let me know how much you can realistically afford to pay towards the arrears each month in addition to the normal monthly payment. Please don't cut back on essential things just so you can offer a large amount to keep them off your back, much better to offer an amount that you can sustain.

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I think I'm just scared of losing my home hence the reason forthe large payments, I have been cutting back beyond belief on everything to maintain payments. granted I have a car I need and try still to get kids think but hunt on car pots etc. I'm just scared they'll come repossess my house like has now been threatened by barclays

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Hi, I know you're scared and they'll know that too, that's why they take advantage of your fear and demand large payments because they know you'll do amything to keep them happy. They can't "just come and repossess your home", they would have to take you to court first and there is no way a judge would allow repossession of your home when you have an income and can make your mortgage payments plus a bit extra towards the arrears, also you have two children living in your property which makes a big difference.

 

Fill in the budget sheet and then let me know what you can afford.

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Hi I can afford £800 but that leaves me to where I have just enough spare for petrol to get to work so should I ask that I pay less or this doesn't leave any money for kids clothes and to do anything at all, I dont want then to refuse it

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Hi there, I suggest you offer much less - if they refuse it you make the payments anyway and see what they do. If they were to take this to court there is no way the judge would expect you to pay £400 extra per month - he would more than likely halve it !! There is case law which the judge can consider that allows for arrears to be paid over a long peroid of time - even over the remaining life of the mortgage. Barclays will know all about this case law, but will not expect you to know.

 

If you wouldn't mind - could you email your budget sheet to me at [email protected] ? I can then advise what you should be including.

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Hi, yes I have received it and replied.

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Yes, but I can't read it as it is scrambled in the body of the email. Can you attach the file to an email rather than put it in the actual email ?

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Hi there, I haved affixed the letter to go with the budget sheet. Make sure you send by special delivery and keep a copy for yourself. Check on the royalmail website a few days after posting to print off the signature receipt -keep that safe with your copy of the letter in case we need it later.

Joanne1989.doc

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Have you checked if they have signed for it?

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Did the post office not give you a white till receipt ?

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Do you have access to a fax machine ?

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It's ridiculous that the post office gave you no receipt - the whole point of recorded delivery is that you can use the receipt to check that it has been signed for. If you have a spare £5 you could send the letter again by special delivery - that way it is guaranteed to be delivered the next day - but you must insist on a receipt so you can check they sign for it. Do not leave the post office without getting a receipt. Make sure you keep a copy of the letter and budget sheet for yourself.

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