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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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Creation Finance and Insurance Company taking unauthorised payments from bank a/c


Markrowe
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I have recently recieved an invitation to renew my car insurance with Oncalldirect, in the invitation it said that I would have a set monthly payment for 3 years. I contacted Onecalldirect to say I didn`t want to be tied into a 3 year contract but they assured me that at the end of each 12 months I would be free to shop around and take insurance with someone else if I wished. I accepted this but when I got home from work that evening I found a letter from a finance company regarding the car insurance, it was for a 36 month contract and instructed me to sign and return. I decided to do nothing, didn`t sign and didn`t return it. I phoned Oncalldirect the next day but couldn`t get through on the phone so emailed them to say I wouldn`t be renewing my inusurnce with them and that I had found another provider, I recieved an acknowledgement from them and so thought no more about it.

That was about a month ago, I got home from work 2 days ago to find a letter from the finance company stating that I was in arrears with the finance and that I had 7 days to pay. I phoned them to ask why they had set up a finance agreement in my name without my authority. I was told that Oncalldirect had set it up in my name and was told I had to contact them. I then phoned them to ask what was going on and was told that I should have spoken to them on the phone to let them know I wasn`t renewing my car insurance with them and not by email, I explained the problem that I had had getting through on the phone which was why I emailed. They said that wasn`t a good enough reason but because I was still within the 14 day cooling off period that I would be able to cancel and that it would cost me £45.50

I argued my point and said there`s no way i`ll pay because I had let them know I wouldn`t be renewing.

I got home from work again to find a letter saying that Oncalldirect had taken a debit card payment from my bank account on behalf of Creations Finance for the £45.50 and instructed me to set up a direct debit for future payments.

I didn`t authorise that payment, Oncalldirect had my card details from my initial deposit made 12 months ago and used it to take this £45.50 without my knowledge.

Are they allowed to do this.

Sorry its long winded

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Well, first youre in the wrong forum. 2nd, if you have the original email copy or you did indeed notify in advance that you wouldnt renew, then its theft. Plain and simple. They cant demand you call them by phone, especially when you contacted by email and you recieved a full acknowledgement.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi and welcome to CAG

 

I've moved your post to thread of its own into the insurance company forum.

 

The guys will be happy to advise as soon as they are available

 

ims

 

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I've flagged your post for an admin to move it. Theyll send you a private message letting you know where it got moved to.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thread moved to Creation forum given new information.

 

Creation appear to be dibbing in to bank account without authorisation.

 

Have also changed the thread title slightly to reflect the position

 

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  • 4 weeks later...

These people are [EDIT] ,I get home at 5:30pm and thats when they close, the guy I spoke to couldn't help me, couldn't help but notice the smile in his voice. Had enough of this country when it comes to money we get screwed over by the government and companies. Where are the people and organisation who are suppose to protect us? Octagon supposedly sent me a letter about a missed payment I didn't get it, but got one which informed me Creation are cancelling my car insurance policy and I am being charge around £235 but then the debt collection people say its £288 and thats come from Creation. I feel so frustrated.

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These people are [EDIT] ,I get home at 5:30pm and thats when they close, the guy I spoke to couldn't help me, couldn't help but notice the smile in his voice. Had enough of this country when it comes to money we get screwed over by the government and companies. Where are the people and organisation who are suppose to protect us? Octagon supposedly sent me a letter about a missed payment I didn't get it, but got one which informed me Creation are cancelling my car insurance policy and I am being charge around £235 but then the debt collection people say its £288 and thats come from Creation. I feel so frustrated.

 

Probably best to start your own thread

 

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