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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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RBS Directline Credit Card CCA return


Andy01
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Hi this is my new thread with DL.

 

 

I requested CCA on the 18th May but they failed to reply

I wrote to them on 10th June "account in dispute".

 

 

Now our letter has been crossed and I just got their reply today that they can not find anything

and they will not be able to enforce in court

 

 

they want me to continue to pay:confused:.

 

 

So please look into these attachment and advice me for my next step.

 

 

Thank you

 

http://i698.photobucket.com/albums/vv342/Andy01/DL1.jpg

http://i698.photobucket.com/albums/vv342/Andy01/DL2.jpg

http://i698.photobucket.com/albums/vv342/Andy01/DL3.jpg

http://i698.photobucket.com/albums/vv342/Andy01/DL4.jpg

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As they have said they can't take any enforcement action, they can ask you nicely to pay but equally you can just as nicely tell them to swivel. ;)

 

The problem is they can still devastate your credit file until it becomes Statute Barred six years from your last payment.

 

No doubt if you decide not to continue paying they'll close the a/c and sell it on to claim tax relief. It might be worth waiting while they do & then if some parasitic DCA crawls from under a rock sometime you can either kick them into touch by sending a copy of the letter where they admit there's no CCA or offer them a full & final offer at around 10-15% of the outstanding debt on the proviso the remove any defaults from your credit file.

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excellent Thanks CB So I will just wait and see if they reply to my ACCOUNT IN DISPUTE Letter which has been crossed. Will they send me any DN or not? I am not worried about my Credit file at all.

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You'll probably still get a few begging letters for a while until they realise they are urinating against the wind, before they flog it on to some fourth rate DCA who specializes in unenforceable debts. :rolleyes:

 

As for sending a DN, who knows? They probably will so they can be vindictive and try & begger up your credit rating.

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Like you said they can carry on begging not gonna get blood from this stone. Atleast they admit that they can not take me to court so rest I have got enough time to write letters to good for nothing DCA

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Please do not lose that letter :D

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Uploading documents to CAG ** Instructions **

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CB and Cerber Its all your guy's help. I am really glad to find this site.

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Good Morning all,

Here is somthing I picked up yesterday's Daily Mirror newpaper might intreset you.

http://i698.photobucket.com/albums/vv342/Andy01/Mirror.jpg

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  • 3 weeks later...

Thanks Again for your help

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....................................................

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I think they had already reply to my CCA request on 15th June

http://i698.photobucket.com/albums/vv342/Andy01/DL1.jpg

 

and my letter in dispute crossed on 10th June and

 

 

I got this reply today from RBS.

 

 

They must be the part of Dirctline.

 

 

fotoflexer Pictures, fotoflexer Images, fotoflexer Photos, fotoflexer Videos - User Media - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

 

So I think i should wait and see.

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Thanks Cerber can you please Check my Halifax thread.I got there reply almost after a month

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I hope you have those letters tucked away safely :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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CB Trust me my friend they are very safe .Nice to hear from you. Thanks

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  • 2 weeks later...

Hi guys do you think I should write to them for F/F or should I wait?

Account No:

Ref No:

Dear Sir/Madam,

Thank you for your letter dated 15th June 2009 from Direct Line and letter dated 3rd July 2009 from RBS of Scotland confirming that there is NO enforceable agreement exists between us. So there for you are not in position to enforce any payment due to the fact that you are unable to provide an enforceable credit agreement.

So to that effect I am willing to make a full & final offer of £200.00 (12%) to bring this matter to a conclusion.

Please note you may also consider under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This is on the proviso that any adverse information recorded with the various credit reference agencies is removed from my files & that I receive written acceptance to these terms from you within 14 days of receipt of this offer.

Yours faithfully

 

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cerberusalert is pretty good with drafting letters of this ilk, so it might be a good idea to wait and see if he/she has any advice to offer in respect of your F&F :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The letter's fine but i doubt whether they'll accept. They'll be more likely to sell it on to a bottom feeding outfit with a shedload of other unenforceable debts & then claim tax relief.

 

Of course there's nothing to stop you making the offer but I think you'll have a better chance with one of the lowlifes.

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Thanks so in that case I think I will wait . Cheers guys

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If you had ever been helped by this site and satisfied than by Donating This site is just simply helping others too, who are really in need. Please make a donation.

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