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    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
    • Good Evening, I've got a fairly simple question but I'll provide some context incase needed. I've pursued a company that has operations in england despite them having no official office anywhere. I've managed to find a site they operate from and the papers there have been defended so I know they operate there. They've filed a defence which is honestly the worst defence ever, and despite being required to provide their witness evidence, they have not and have completely ignored the courts and my request for copies of it. I'm therefore considering applying to strike out their defence on the grounds the defence was rubbish and that they haven't provided any evidence for the trial. However, it has a trial date set for end of june, and a civil application wouldn't get heard until a week before then, so hardly worth it. However, my local court is very good at dealing with paper applications (i.e ones that don't need hearings, and frankly I think they are literally like 1-2 days from when you submit it to when a Judge sees it. I'm wondering if I can apply to strikeout a defence without a hearing OR whether a hearing is required for a strikeout application.   Thanks
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Advice please - NatWest PPi Claim


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Hi,

 

I submitted a claim to NatWest as I believe I was missold PPI on a loan I took out back in 2004. The loan is now fully repaid.

 

The PPI was front loaded.

 

I have now received their review of my concerns:-

 

I claimed that I was only provided with a quote for the loan with PPI attached

I was self-employed when I took out the loan and their staff were aware of this

I was not asked whether I had any existing insurance benefits that would cover the repayments

The single premium policy was not explained to me

 

They refer to my signing the Loan Agreement Form which showed:-

 

The payment protection insurance premium payable

The single payment for the insurance being added to the loan

The level of interest on the loan and premium

The months repayments including the ppi

That the policy was optional

 

They also refer to the Application Form which shows:-

 

I signed that I was self employed and that I wished to purchase the optional Loan Protector Insurance.

 

In response to my concerns they say that the policy was provided on a 'non-advice' basis and that I was provided with a Certificate of Insurance containing the criteria I would need to satisfy to be eligible for cover under the policy and basically that I should have read them and cancelled it if not suitable.

 

My main gripe is that I wasn't offered the loan without the loan protector insurance and that had I known that "unemployment" in the case of self-employment basically means "bankrupt" I would have never taken out such a useless product.

 

They have sent me the Ombudsman Service leaflet.

 

Brief question - should I write back to them or go to the FOS?

 

Any help is greatly appreciated.

 

Very unhappy bunny

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  • 10 months later...

My complaint was originally turned down by Natwest in September 2010 and I sent it to the Financial Ombudsman and the Adjudicator upheld my claim. Natwest wouldn't accept his findings and were also awaiting the outcome of the Judicial Review.

 

I have chased the FOS this week as I haven't heard anything for months and assumed it was in the queue for an Ombudsman's decision. I have received notification this week that Natwest are making an offer to settle my complaint but it could take approximately a month due to the large numbers being processed.

 

The insurance loan repayments were £42.30 per month for 60 months from March 2004 - February 2009. These equate to a total of £2538 over a period of five years. They show the premium loan as being £2014 plus APR 9.9%.

 

One question please - can I claim 8% interest on the £2538?

 

Very unhappy bunny

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Hi there

 

What you should expect is each of the monthly ppi loan repayments plus 8% interest on each of those payments from the date they were actually paid right up to the settlement date.

 

I've attached a spreadsheet you can use to work out the amount you should expect.

 

You only need to enter list data in columns A, B and C....the rest of the calculations are done for you.

 

Hope this helps

 

Regards

 

ims

 

StatutoryInt.xls

 

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  • 2 months later...

Hi

 

Thank you for all the advice re my claim with NatWest. I am still awaiting a offer.

 

Just wondering how long they are taking generally to resolve these claims. I was told by the FOS on 25th July that Natwest would make an offer and they would contact the Bank after 14 days if they did not hear from me on the assumption that I would accept . The FOS tell me that they wrote to them on the 18th August, 2011. Natwest say they haven't heard anything from them and that the claim was a "forced closure" by them on the 19th September 2011 and that they are currently taking approximately 28 working days to settle claims.

 

Just wondering what others are experiencing with Natwest.

 

My ppi payments were £42.30 per month for 60 months from March 2004 to February 2009 = £2538.00. I have calculated (tried to) and estimate that I should get in the region of approximately £3900. Does this sound about right.

 

Any help much appreciated.

 

Kind regards,

 

Very unhappy bunny

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