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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.    
    • Peter McCormack says the huge investment by the twins will help Real Bedford build a new ground.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PTSD after 13 years


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my husband lost his job through redundancy around 13 years ago the we had what could only be called a life changing event and my husband had to stop his new business as he was diagnosed with PTSD. We ended up with £20,000 in debts as we had no money coming in. I raised what money I could and my husband manage to sell all his work equipment as he could no longer use it and after a few months we got the debts down to around £11,000, since we have had to survive on my husbands DLA and over the years he has got much worse and I have been told he is unlikely to recover, we have been paying what we can afford to Moorcroft DCA and Credit Securities DCA for over 12 years now, I am disabled and now with the government cuts and the council is now making us pay 25% of our council tax, that means that the few pounds we gave to the DCAs has now gone my husband cant leave the house very often and because of his condition cannot talk to people or use the phone, When Moorcroft called the other night my husband completely lost control and shouted F*** off at the collector and slammed the door in his face. a few minutes later a scribble on the back of an envelope said my husband was being taken to court with no signature etc as we have tried our best to pay these debts regularly but now through no fault of our own we have lost the ability to pay them, my husband has been in a worse condition since and I don't know what to do or where to turn as I can see things escalating.

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I think you need to tell it more about the dents please.

value and dates

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Hi

Im

No expert but as far as im aware a Dca cannot sribble you being taken to court on a envelope as they have no legal power to do so unless they own the debt. If they are just acting on behalf of the OC they can do didly squat!

As bankfodder says more details would be required.

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Hi sorry about that the debts are Credit Security Ltd ( Re Lloyds TSB) £6972.41 (Home improvement Loan)

Credit Security Ltd ( Re Lloyds TSB) £1605.43 (Credit Card)

Moorcroft Debt Recovery Ltd (Re Provident Personal Credit) £2114.30

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Hi Shirts,

I am so sorry for all the problems you have been having over the years and can only say that I Honestly know where you're coming from. Due to my ill health and not being able to work we lost our house, we struggled for many years and everything got on top of us when my husband then had to finally give up work to become my Full time carer.

 

Again we carried on struggling and eventually through no fault of our own we were issued a section 21 notice to quit our flat because we could not give the landlord a date of when we would be moving out and into a council place as we honestly didn't know when we would be given one.

I couldn't manage the stairs with my disability any longer and we were advised by my OT to apply to the council.. Thankfully someone must have been looking down on us because 2 weeks before we were due to quit we were offered a Disabled flat...

 

Money worries eased a bit as the rent was less but it still wasn't great so we three months ago went for an IVA.. It was the best thing we could have done, we are still able to hold our heads high knowing that we are still paying something towards our debts but they have all been taken away and we no longer get all the phone calls and letters every day demanding money..

 

Life is still tight, no room for luxuries but at least we can afford a hot meal every night instead of sandwiches as we often used to have as we couldn't afford to eat.. We didn't want the stigma of Bankruptcy and lose total control of our money or bank account so an IVA was the best thing for us. Everything was handled with care and understanding and everyone was really helpful and are only a phone call away if we need them. We now only have to pay £235 each month instead of the £1,980.+ we were having to find every month... This money is paid over 5 years and after 6 years you are considered debt free and have a clean credit file...

 

We have a little bit of spending money which means that now due to my health I get what I need instead of having to go without as we always used to have to do. We still have to keep a tight rein on how we spend but it's a lot easier than before and as I said, we can hold our head up..

It would have been easy to go for bankruptcy but I wasn't comfortable with that and although we didn't owe a lot compared to others it was a lot for us and would have taken a lifetime to eventually pay back on benefits.... Hope this helps somewhat Shirts..

Edited by ragsrule
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Hi Shirts and welcome to CAG

 

Have you sought help with these debts from one of the recognised free services like National Debtline - https://www.google.com/url?q=http://www.nationaldebtline.co.uk/&sa=U&ei=sj-ZUYepBKSW0AXOyIEI&ved=0CAcQFjAA&client=internal-uds-cse&usg=AFQjCNFEd4tBmlVW6QsamGJEiRwU248MQg

 

They may be able to offer help and advice about your circumstances.

 

Have you challenged the debts in any way, for instance by sending the creditors a CCA request. You'll find a CCA request template here - http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

 

Have you kept all the paperwork relating to these debts. In particular, did you receive Default Notices for either debt.

 

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