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    • 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.    
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Wonga Payment Plan / Default


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Hi I took out a payment plan over four months with Wonga which I met on time, and have now settled the balance.

 

Unfortunately, Wonga has decided to mark this loan as defaulted on my credit report, despite the agreement of a payment plan, and the subsequent meeting of payments.

 

Do I have grounds to question this default? :(

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Hi dave. Can you tell us the date the payment arrangement was made, and the date the closing payment was made. Also, what was the date wonga put on there, and did they send any kind of a default notice before doing so?

 

 

Also, what was the overall time you had the loan, from receiving the money, to the final payment? And how long from receiving the loan to the payment plan being accepted?

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

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Hi RenegadeImp

 

I took the loan out on 28th December 2012, and negotiated the payment plan on January 28th 2013.

 

Payments

 

Feb 28th 2013 - £402.39

March 28th 2013 - £402.39

April 28th 2013 - £402.39

May 29th 2013 - £275

 

I did not receive any default notice from Wonga. In fact they assured me over the phone it wouldn't count as a default if I met my payments.

 

Thanks for your help!

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Sounds like you can contest the default. However, the problem you will have is you spoke to a phone rep and you dont have any evidence of what was said.

 

In the first instance, i would write down everything you can remember about the loan, right from the start, then form a full complaint.

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 Renegade

 

My account was set to default on 1st May 2013 with a balance of £275 - 28 days before my last payment of £275 was due,

and the balance is now marked as satisified in experian.

 

I had met all the payments of my plan in full and on time before this.

 

Do I need to make the formal complaint via Wonga, or a third party?

 

Pretty gutted to be honest, after I thought I had conquered my payday loan nightmare.

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I would make it direct to their data controller and place a dispute with the credit record agency. Wonga will try and say it is fair, but it isnt. Especially when we have a lot of people on here who go 6 months + and no default is registered.

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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  • 2 months later...

Hi I was just wondering how you got on with this?

 

I will be negotiating a 2 month (or 60 day) payment plan this month on the 25th (payment is due 28th), I have called them to ask if this will be marked as a default on my credit file and the advisor has told me that they will not mark a default within the 1st 120 days of the due date, if you have not settled within 120 days they will default me, it will just show as late payments untill then so I should be fine.

However you say they marked you as delfault after 90 days???

This worries me! Did they remove the default for you in the end?

 

My plan will be as follows £500 28th Sept

£500 28th Oct

£270 28th Nov

 

So as you can see it will be settled within 2 months of the original due date.

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The fact any mark is on your file from a bad could look bad in a lenders eyes. Thats why most pdls dont report to the files unless they ate blackmailing you when you are trying to repay.

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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  • 1 month later...

Hi hits555.

 

Can you start a new thread with as much info as you can about your situation? THat way we can give specific advice to you and not get it muddled with other peoples :)

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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