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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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Data Protection v Debt Recovery


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Hi guys

Can anybody advise me please. I sent a standard data protection act letter to HSBC on 15th Dec 06 and received a letter on the 2nd January with a return of my postal order saying they would oblige. Anyway I received some statements but nothing else. I rang them last week to chase up and they said they would call me back. Suffice to say they didn’t, but I got a letter dated 20th Feb from their debt recovery department in Birmingham which I have copied for you in full.

 

We are writing to notify you that HSBC Bank plc and HSBC Trustee (C.I) Limited has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance) to FV-I, Inc effective 22nd December 2006.

 

The total outstanding balance is £3576.08 as at the date of sale 22nd December 2006.

 

Your current outstanding balance is £3576.08 (deducting any direct payments from the original balance made to HSBC since 22nd December)

 

Under the terms of this assignment, and as defined in the Data Protection Act 1998, FV-1 is now the Data Controller of your Personal Data contained in the records of this account.

 

NCO Europe Limited has been appointed by FV-1 to manage your account and it is essential that all future payments and correspondence regarding this account be directed to NCO Europe Limited at;

 

NCO Europe Limited Tel 0870 0492370 or 0121 6982900

PO Box 1127

Preson

Pr2 0EF

 

You should contact NCO Europe Limited to organise payment on this account as a matter of urgency

 

Yours sincerely

 

Like most people I had a loan with HSBC and on late payments got stung with bank charges that escalated so out of control that I just stopped dealing with them. I was signing on at the time so it became impossible to catch up. On coming across this site and moneysavingexpert.com I worked out crudely from some statements that I still have, that they probably owe me approx £3,000 in charges without interest..

 

So a couple of questions as I’m not sure what my next step should be.

  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

Thanks for your help

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  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

stick with hsbc for the letter.

owing does not negate it.

typically they would use the money and give you the rest.

what worries me here is the a/c was in dispute when they sold it to a dca, that i think is wrong. write to the dca, inform them the a/c is in dispute, then it should all be bounced back to hsbc.

dx100uk:cool:

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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Hi guys

Can anybody advise me please. I sent a standard data protection act letter to HSBC on 15th Dec 06 and received a letter on the 2nd January with a return of my postal order saying they would oblige. Anyway I received some statements but nothing else. I rang them last week to chase up and they said they would call me back. Suffice to say they didn’t, but I got a letter dated 20th Feb from their debt recovery department in Birmingham which I have copied for you in full.

 

We are writing to notify you that HSBC Bank plc and HSBC Trustee (C.I) Limited has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance) to FV-I, Inc effective 22nd December 2006.

 

The total outstanding balance is £3576.08 as at the date of sale 22nd December 2006.

 

Your current outstanding balance is £3576.08 (deducting any direct payments from the original balance made to HSBC since 22nd December)

 

Under the terms of this assignment, and as defined in the Data Protection Act 1998, FV-1 is now the Data Controller of your Personal Data contained in the records of this account.

 

NCO Europe Limited has been appointed by FV-1 to manage your account and it is essential that all future payments and correspondence regarding this account be directed to NCO Europe Limited at;

 

NCO Europe Limited Tel 0870 0492370 or 0121 6982900

PO Box 1127

Preson

Pr2 0EF

 

You should contact NCO Europe Limited to organise payment on this account as a matter of urgency

 

Yours sincerely

 

Like most people I had a loan with HSBC and on late payments got stung with bank charges that escalated so out of control that I just stopped dealing with them. I was signing on at the time so it became impossible to catch up. On coming across this site and moneysavingexpert.com I worked out crudely from some statements that I still have, that they probably owe me approx £3,000 in charges without interest..

 

So a couple of questions as I’m not sure what my next step should be.

  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

Thanks for your help

 

Here;s some interesting info - FV1's registered address appears to be 25 Cabot Square in London...What's HSBC's address, I bet in somewhere very nearby? FV-1 are not a limited company and their agents are NCO europe...DONT phone NCO, they are rude, aggressive and nasty...I'm going to dig around some more re FV-1 cos something's not right here...

Just hate every DCA out there

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  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal?

stick with hsbc for the letter.

owing does not negate it.

typically they would use the money and give you the rest.

 

what worries me here is the a/c was in dispute when they sold it to a dca, that i think is wrong. write to the dca, inform them the a/c is in dispute, then it should all be bounced back to hsbc.

 

dx100uk:cool:

 

This is the letter I'm about to fire off to NCO Europe...What do you think?

 

24th February 2007

Ref/acc no:

To Whom It May Concern,

 

The first thing I am going to tell you is; I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY. The second thing I am going to tell you is; THIS ACCOUNT IS IN DISPUTE….There, hopefully you can understand that.

Without going into too many details of the acts you will be breaking, let alone guidelines, if you attempt to try - I would like to inform you that I am fully aware that you cannot attempt to collect any alleged monies that your client claims I owe whilst this alleged debt remains in dispute.

Until this dispute is resolved with HSBC initially, then I will be have no dealings with NCO. Once my original dispute is resolved I will then be dealing with FV-1 and FV-1 only. Once they legally prove they are entitled to collect any monies from me, I will have further legal avenues to pursue with FV-1 and FV-1 ONLY re this alleged debt. I find it interesting that FV-1 are not a limited company and their registered address (Cabot Square- London) will need a personal visit to verify their existence.

Forthwith, if you attempt to make ANY further contact with me, I will consider NCO in breach of the many legislations that in in place to protect the general public. Consequently, I will file a complaint to the OFT and my Local Trading Standards Office against you. NCO Europe has a diabolic and shambolic reputation, and are very well known for the ‘bully-boy’ tactics they try to employ. This will not work with me, so please do not attempt to try. You may be able to fleece those less ‘clued-up’ than myself, but I will not lie down and pamper to your aggressive, illegal scare tactics.

 

Kind Regards

Just hate every DCA out there

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well here is my link to what i found out about fv-1

 

it's in a new thread

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68333-fv1-i-know-who.html

 

morgan stanley feature ?????? which surprises meee !

  • Haha 1

:cool: sunbathing in juan les pins de temps en temps

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well here is my link to what i found out about fv-1

 

it's in a new thread

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68333-fv1-i-know-who.html

 

morgan stanley feature ?????? which surprises meee !

 

Mmmm, wonder if they'll set up their own website---wonder what domain they'll use :lol::lol::lol:

Just hate every DCA out there

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