Jump to content


  • Tweets

  • Posts

    • 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
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
    • Peter McCormack says the huge investment by the twins will help Real Bedford build a new ground.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Hart/payday overdraft


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2571 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello. i obtained a loan through andrew hart/payday overdraft. However in the same month i became homeless and unemployed. i explained my situation and advised i would pay the debt asap. however i did break my repayment plan. i understood i would have charges and asked if he could just freeze them and when working i would make proper payments. i got a job and in total have paid between 400-500 to him. however i felt this was enough. but andrew hart has now said i owe him over 2grand. I stopped making payments and asked him to provide me with a breakdown of why i owe more. i sent him countless emails asking for this, he ignored them all. eventually he responded with a breakdown, which is ridculous!!He is now threatening court action, AGAIN. i dont have a good credit history, but my other debts are all with nice payment plans, charges frozen and its great im clearing them all. How the hell is it good to charge some one a further 2k, on top of the near £500 i have paid, for what was a £60 loan? Any advice would be great. ThanksRachael

Link to post
Share on other sites

  • Replies 97
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well i will fight it all the way. i made payments whenever i could, i did contact him, i have emails to prove how many times i chases him for a breakdown. i have a breakdown but it doesnt show my payments. its as though he ignores them! luckily i have emails confirming he recieved payments.

Link to post
Share on other sites

https://www.paydayoverdraft.com/cms/Terms-Conditions.html

Have had a look at this, and they justify charges on the basis that you don't make repayments nor do you communicate with them. Have you gone through their complaints procedure? If not, go on the offensive and make a complaint. Put together a case file for the Financial Ombudsman: include copies of emails sent and received; payments made; original loan amount and date taken out; and a covering letter stating that they are causing you extreme distress and failing to take into account extenuating circumstances (unempoyment etc.). Check out the irresponsible lending document, available from the FOS site.

 

'Failing to treat borrowers in default or arrears difficulties with

forbearance.

The OFT would encourage creditors to consider suspending any further interest

and charges and/or allowing deferment of payment of arrears under

circumstances in which a requirement for immediate payment of arrears may

either increase the borrower's repayments to an unsustainable level or otherwise

necessitate the repayment period for the borrower being substantively extended

such that it becomes unreasonably excessive.35

In the OFT's view, creditors should consider reducing or stopping interest and

charges when a borrower evidences that he is in financial difficulty and is unable

to meet repayments as they fall due or when he can only make 'token'

repayments such that his level of debt would continue to increase if interest and

charges continued to be applied.'

 

This is a quote from it that may be relevant to your situation. Refer to this in your letter to the FOS and in your complaint to the company. You can download a form (the letter) from the FOS site and fill it in to send with your documents substantiating your claim that Andrew Hart has not adhered to pint 7.4 on page 66 of the irresponsilble lending pdf. Best of luck Fight fire with fire!

Link to post
Share on other sites

i am going to pursue it with financial ombudsman. i never ignored his emails, obv i never got any post mail as id left the propertyWhen i tried to make a complain with payday overdraft, andrew hart said this is my company so tough basically. i cant complain about his vile nasty attitude. He talks to me like something off the bottom of his shoe. he doesnt answer my questions just says court action court action. he's a vile man

Link to post
Share on other sites

i am going to pursue it with financial ombudsman. i never ignored his emails, obv i never got any post mail as id left the propertyWhen i tried to make a complain with payday overdraft, andrew hart said this is my company so tough basically. i cant complain about his vile nasty attitude. He talks to me like something off the bottom of his shoe. he doesnt answer my questions just says court action court action. he's a vile man

Explain his attitude to FOS on the form you download. If there isn't enough room, add another sheet. His attitude is, he thinks, going to wear you down to such an extent that you will just do what he wants. Believe me when I say that if you direct your energies to filing your complaint with the FOS you will gain strentgh. It is tiring and upsetting but it is a positive thing, and far better than becoming more and more depressed trying to deal with someone who is hell-bent on not listening to you. The FOS has the power to recommend withdrawal of his consumer credit licence and the threat of the FOS taking action will hopefully go a long way to 'putting the boot on the other foot'.

Link to post
Share on other sites

You could get a PO BOX no from the post office, I am sure the FOS would understand if you have not got a stable place of residence.

 

Back in the old days people used to be able to use their bank as a place for post to be kept if they were travelling, doesn't seem to happen now!

Link to post
Share on other sites

I dont have a stable living situation at the minute, and if they needed a postal address i couldnt provide one

Is there someone who would allow you to use your address for post? The FOS form does ask for an address, and an email address. You could go to your local CAB and ask for their help with your complaint to the FOS, who can also be contacted by phone. The CAB may give permission for you to use their address on the form, but if they contact the FOS on your behalf, in your presence, it adds further strength to your case. It adds to your vulnerability. Please don't be offended: this company is exploiting your vulnerability. I have used the FOS on behalf of my son, and they intervened and the matter was resolved fully.

Link to post
Share on other sites

His attitude mentioned seems to be present from the very start of his relationship with customers.

 

9. INVESTIGATION COST

In lending money to you the client we expect you to honour your repayment on time. If you fail to do so we will incur time and cost to recover the debt that you are avoiding.

PLEASE NOTE THESE ARE AVOIDABLE AND ARE COSTS THAT YOU WILL INCUR BECAUSE YOU ARE AVOIDING COMMUNICATION AND REPAYMENT SO WE ARE IN OUR LEGAL RIGHT TO CHARGE AND COLLECT THESE BY YOU SIGNING THE AGREEMENT HERE. IT IS BECAUSE YOU ARE MAKING US SPEND OUR TIME AND USE INVESTIGATIVE TOOLS TO FIND YOU AND PURSUE THE DEBT YOU COULD HAVE WITH US

 

It would seem that you also incured time and costs, and without response, so you can tell him that your fees have cancelled out his fees and without negotiation.

Link to post
Share on other sites

Hi rach

 

Report them to the OFT, that can be done online.

Report them to Trading Standards that can be done online.

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

 

http://www.financial-ombudsman.org.u...complaints.htm

 

Send them a SAR request, they have 40 days to respond with all the data they hold on you.

Template in the library. Once you get a postal address sorted out. Then ask for further advice.

Link to post
Share on other sites

Hi Rach

 

From monday 8th Jan I believe that a Credit Union can help you.

 

http://www.itv.com/daybreak/money/ph...islation-2012/

 

http://www.abcul.org/media-and-research/news/view/193

 

Finding a Credit Union :- http://www.findyourcreditunion.c o.uk/home

 

 

thank you every one. i hope i can get this resolved. he is a horrible man and advise anyone against trading with him again x
Link to post
Share on other sites

Please report mr (deliberate little 'm') Hart to Trading Standards and the OFT.

 

having looked at his websites (3 in total) all the charges within them are unfair and unenforceable at law (IMO)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

There are more than 3..

Ignore and log his calls, laugh at him down phone and hang up. Keep all emails & Text's.

I went through it all with this company so I know how you feel.

http://www.consumeractiongroup.co.uk/forum/showthread.php?297067-Company-says-that-I-owe-them-money-but-have-no-idea-who-they-are...-is-it-a-con

Link to post
Share on other sites

There are more than 3..

[/url]

 

Are you sure?

 

the OFT throw up 3 names

Doshloans

Paydayoverdraft

Wagepayday

If he has more than that, I would like to know as any others are not allowed

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hart's ability to create problems should not be underestimated; he is all the more dangerous because he is stupid. Despite complaints the OFT have failed to act and unfortunately individuals like Hart will only end their activities when they are stopped by the authorities. We can only wonder how the OFT could imagine that someone as utterly unprofessional and unpleasant as him is fit to hold a consumer credit licence.

Link to post
Share on other sites

Hart's ability to create problems should not be underestimated; he is all the more dangerous because he is stupid. Despite complaints the OFT have failed to act and unfortunately individuals like Hart will only end their activities when they are stopped by the authorities. We can only wonder how the OFT could imagine that someone as utterly unprofessional and unpleasant as him is fit to hold a consumer credit licence.

 

As far as I can tell the OFT are about as much use as a chocolate fire-guard..! I would be seriously considering instigating a commercial lien against him for the Tort of harassment myself.!

ʎɐqǝ uo pɹɐoqʎǝʞ ɐ ʎnq ı ǝɯıʇ ʇsɐן ǝɥʇ sı sıɥʇ

Link to post
Share on other sites

Hi im looking for some help I did have a loan off this company but missed a payment. I did try talking to them to say they were unhelpfull would be an understatement they said my offer of payment was too low then I started getting texts and emails and phone calls saying they cost £5 each sometimes 3 or 4 a day I tried communicating via texts and emails getting threating genric replies al while the added charge after charge a default charge now legal charges. Iv got to the point saying ok issue the claim Ill challenge part of the claim as the unfair charges. He still emails and texts and calls I asked why he was doing so if he had issued a claim no reply to that have been waiting a week for this claim not had it yet. Do I have any chance disputeing the charges ?? I wouldnt mind I said Im happy to pay the original loan and some FAIR charges but they said no. Any help would be appreciated James

Link to post
Share on other sites

I think I would be inclined to say 'well stuff you because that is all I'm paying', that's me mind you.

 

Duplicate post removed.

 

I have considered that but the keep trying to take the full amount from my card Im worried about giving new card details to make a payment now incase they take all my wages. They tried to do it so many times on my old card my bank fraud dept called me

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...