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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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Clivey888 v RBS Help with MCOL required please


clivey888
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Hi there,

I have received a fob off letter from RBS last friday after LBA basicly stating that charges are fair and will not refund.

 

A little history about this is that 3 years ago my bank card was left in my local branch when i requested a dd to be cancelled, The card was handed over to lady to take account number i then went back to work forgeting my card, After i rec tel call at work stating my signed card was left there and would i like them to put in post, I stated no i will come and collect, The lady then stated it's no problem which i agreed.

 

My bank card was sent out to me normal post not recorded or special and was stolen resulting in funds to the tune of £600 being stolen from account by means of purchases in different shops to the calue of £50, I rec no apology from the bank and to make matters worse the lady in question lied and said i had requested it to be posted......I was fuming and stated i would be leaving and would pay the overdraft on my account and the joint account back £200 a month to clear £3000 they refused and wanted all back straight away which i couldn't do, This then escalated to there collections whom passed on to debt collection to whom i have been paying each month to clear.

 

Last month i phoned my local branch and to my surprise spoke with the lady that actuall sent my card in the post 3 years ago whom could not be any more helpful and got me my statements with no charge or questions asked after 3 days.....Wonder why she did that lol....

 

I then sent request for charges to be repaid with no interest and rec letter back stating that they were investigating then i rec letter stating charges fair etc and to liase with debt collection firm after my LBA refusing any refund.

 

They have made there position clear and would like to now do a MCOL but am confused about how to word this on line, Any suggestions and help would be greatly appreciated.

 

The sum i am claiming is £2116 charges plus 8% interest = total £2762.04

 

Also what can i expect them to do after the MCOL and what is the time scale.

 

Your help will be greatly appreciated

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Hi Clive,

 

First of all if its 14 days since you sent the LBA then moneyclaim is the next step, there is a template for the wording in the library.

 

Just take your time and post here what you're writing before you submit if you want somone to check it over for you!

 

Once MCOL is submitted the bank have 14 days to acknowledge the claim and then a further 14 days to enter a defence.

 

If you read around the forum there are lots of us who have been in the same position and there is help to most questions on the threads, but if you need any further help just post here!

 

Stacy xx

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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