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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Need Help for Nanny


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Sorry don't no where to post this so putting here for it to be moved.

 

Hi All

 

Trying to help a friends Nanny. Sorry don't no her name so will refer to her as Nanny.

 

Nanny is Very ill has been given 6-12 mths to live.

 

We are assisting her with house sorting so it can be sold when she does pass on. This is a mid terrace house 6 of the rooms share a wall with the neighbouring house, obviously, these are 3 bedrooms bathroom, kitchen diner and living room. The problem is the neighbouring house. Nanny our friend and one other family member use to Rent the neighbouring house. Nanny brought the current house of the guy that owned both. Everything was fine at first then Nanny started having problems.

 

Every time they turn the cooker on the houses electrics trip. It only happens with the cooker. The Kitchen is all built in and when We looked under the cooker and found it was plugged into a extension lead. The ex owner at first said they done the electrics but now suddenly he cant remember who done the electrics.

 

Further to this the neighbours house has not been lived in since they moved out. The owner started work on the house and for the past 3 years the house has been a shell of some sorts. the internal walls have no plaster upstairs flooring non existent and the owners seem to have disappeared as well. Nanny is battling a mould issue on the connecting walls. She has brought and her grandson has used mould paint several times. The bathroom was only done in November last year and the damp/mould is back already. I have used a damp and mould cleaner on all the walls and expect to be doing it again soon.

The other side of house with only 5 connecting walls had no problems and has a lovely family living in it.

 

She does not want to cause a fuss or problem, as you can understand, but this clearly is not good for her or any ones health. How would you advise nanny/the family move forward. Informed Enviro health but they cant act as the owners have not responded to letters.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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Forgot to add the house next door to the empty one is occupied but they don't speak or read English. so could not understand what l was saying.

I think they speak Chinese and/or Indian. I no both takeaways opposite have a notice to say they go to the house on them and the lady did say something Chinese l recognise and a male spoke a different language

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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if an extension lead has been in use for a seriously long time is a semi damp environment

then i'd suspect the plugs pins will be blackened.

 

 

unplug the cooker from the lead and check.

another test might be to temporarily use another extension lead and see if it still trips.

 

 

if it doesn't theres your issue the lead

but ofcourse you know it shouldn't even be run on one in the first place!!

how big [KWH] is the oven?

or get its name/model

 

 

as for the damp

you'll never sort that till you sort the offending 'otherside' of the wall

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Does the empty property have a roof, doors, and windows (all in reasonable condition) ?

 

If the house is weather tight, I'm not sure Nanny can do much about any damp coming through the party wall.

 

As for the electrics. If it is a separate hob/oven, then it isn't that unusual to see a 13A plug on the oven. It shouldn't be on an extension lead, and the hob certainly shouldn't be wired in to the same bit of flex. By the sounds of it, it would be prudent to get an electrician in to take a look at the wiring in the kitchen and isolate the fault.

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Re the cooker.

Some can be put on a plug as long as under 3000 watt. This one is 3500 watt. You cant easily get to the extension as its behind the kick boards and l cant reach that far back, nor am l willing to touch it, They have had a electrician out and they did not seem concerned. They don't cook at the house its normally family or friend houses or take out.

 

The empty house yes does have a roof and the doors and windows at the front seem to be of good quality we cant see the back as no access to back garden. they are the uPVC ones that got put in yrs ago.

My thought is that the council seem to be giving in at the first hurdle. Surly they should know who to send the council tax bill to. They must get some a Ctax as the one we got said it still needs paying if empty and they only give 6mths grace so as its now 8 yrs then why have they not took further action.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Is the property owned or rented (private or housing association) ?

 

Andy

We could do with some help from you.

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Both owned Empty is the house they use to live in and is owned by the guy that they brought the one they are in off.

Well that's based on the last time they sore him and the builders.

 

TBH l have not known Nanny that long, about 2 yrs, the grandson via a friend for about 4 yrs.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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So is that yes its owned by Nanny or no its rented by Nanny ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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the house they live in is owned by Nanny.

 

The empty house is also owned. They think it is still by the same guy who they use to rent it off

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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