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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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Associates Capital now CITI from 1994 PPI Reclaim???


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Over the weekend my hubby went up into our loft to try and find some paperwork in relation to another PPI claim I have but found an agreement for a car we bought back in 1994 from a Ford Dealership and its with Associate Capital.

 

I remember at the time we had a really bad credit record and the sales man said that if we added the PPI it would help our application for credit.

 

I remember being so desperate to buy the car as we needed one for work that we even took out the mechanical breakdown cover. We would of done anything in order to get the finance.

 

At the time we were managers of a public house and so the cover was not needed as we would of been paid a salary even if one of us was ill as you ran the business as your own and had full control over takings and budgets etc and so if you was ill you would of just given staff more hours to cover for you.

 

Also redundancy was not a worry as if for some reason the pub actually closed down, which was very unlikely, you would just be transferred to another one as we worked for the company as salaried managers.

 

I have a copy of all the original paperwork etc and want to try and claim back the credit insurance which was £544 plus interest of £244.80 paid monthly over the term of the loan.

 

I have googled Assocaites and can see that CITI bought them in 2000 so do I need to send my claim to them?

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be prepared for a long battle on this one Allison. I had s/e ppi on my associates card from 2001, and its taken me 2 years of letter writing to obtain settlement. They actually coughed just 2 weeks ago. They initially turned down and were dismissive by claiming they and the insursers ( in my case cumberland) were not a member of the ins ombudsman scheme that preceeded the fos, saying I couldnt refer to the fos being pre dec 2001.Anyway who were the insurers in your case? and send all letters to citi by signed for special delivery. I eventually wrote to citi europes chief exec and that did the trick

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Thanks OR ..

.for us with this one we weren't se but pub managers for a top brewery at the time.

 

We had a poor credit rating and was told we had to have it in order to get finance for a much needed car

 

. No box's were ticked etc and no questions asked as to if we needed it.

I have all paperwork from sale Including for dealerships invoice,sales reps card,mechanical breakdown cover with ter s that we were also conned into taking out with associates and the original agreement that has no date on it by the way.

 

I'm using the argument that we were told we had to have it to obtain finance and that nothing was discussed and no terms etc given to us in relation to the policy. As pub managers if we were sick we just gave staff more hours and would of still been paid in full as you run the business as your own with full control of expenditure etc and would never of been redundant as if for some weird reason the pub closed they hundreds more tat we could of moved to.

 

Have filled out the questionnaire and will send recorded tomoz...fingers crossed.

 

Sorry forgot to say that haven't a clue who the insurance was with it was on the agreement but Jo other paperwork.

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send special delivery get it signed for otherwise believe me citi will ignore, £6.70 but will save you alot of time

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  • 2 weeks later...

Hi Allison, good luck with your claim. I am going to start a complaint with Citifinancial for a family membe's AVCO loan dating back to 1994. I have all bank statements showing the monthly premium paid to AVCO, but don't know how much of it was PPI. Does it show on your agreement how much of the original amount AVCO/Associates charged as front-loaded PPI? I am putting a speculative claim at the estimate of 15%. I also calculated that the interest was something like 30% APR! Thanks

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This is great, may be you could tell me what percentage of the loan amount was PPI? Like: if loan is 4500 ppi 500, then ppi is 10% of the loan amount. You dont need to show figures, just the percentage. I requested SAR and they came back saying they don't have anything which is fair enough as the loan was paid in 2000.

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Oh, thanks a lot! That gives me some more confidence. I am going to put a speculative claim on the basis that at the time they charged certain amount of PPI and certain interest. I have the closing statement and all the bank transactions.

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Hi Allison, thanks for the update. I am submitting a generic claim based on the fact that it was a single premium(front loaded) policy and that it was a poor value for money. I am also pretty sure there is no cancellation details on the agreement. Could you scan and post the terms and condition on this forum (blanking all personal data). It can make an interesting read. Thanks

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this ones starting to look more hopeful then Allison,Combined Insurance Company of America, your ppi insurers on this policy, were fined £2.8 million by the FSA on Dec 19th 2011, for putting its customers at risk of being treated unfairly:wink::wink:

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ooo thanks for that info OR hopefully this one will pay out...it won;t be a fortune but anything would be better than the knockbacks I've been getting.

 

CITI have been giving me a bit of a run around though...haven't posted on this thread about it because its just formalities but they wrote at first saying that as our address is now different they need proof of address and also more info as they couldn't find our file.

 

I wrote back with full history since 94 as moved in 96 and then again to our current home in 98 and also sent DOB's etc.

 

They then wrote back with the agreement number on, which I'm hoping meant that they found the file and once again saying they needed proof of address with names on etc.

 

It must of been because I sent a COPY of our latest council tax bill so have sent them the original one this morning recorded...they did say in their last letter that if they upheld they would not be bale to pay out until they had this info.

So fingers crossed x

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Well had a strange letter from CITI today saying that they no longer own the account and that it has been passed onto opus. Think they are getting confused as hubby did have a CITI card that was transfered to opus then to Cabot but no CCA so that one is finished and have confirmation from Cabot saying they won't pursue and will fall of credit file in 2016.

They say all correspondence should now go to opus but it was cities who bought Associates Finance and it is the agreement with Associated I am claiming the PPI on.

Not sure what to do with this one.

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see post no5 Allison, typical Citi runaround. Had all this nonsense for two years. Send a letter to the chief exec Citi Financial Europe and insist he sorts it out,it does get results

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  • 2 weeks later...

OMG another two letters today, one to me asking for more info as unable to locate the account and one for hubby saying as he's changed address need proof.....I have already sent this info along with original council tax bill and full history. I also sent them a letter stating that it was not a credit card but a joint loan wit associates for a car. You were correct saying they'll give me the runaround OR .

Tried to ring them but there's Jo number urghh will have to send yet another letter.

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Strong letter to the chief exec Allison, otherwise youll be back and forward to opus next. I really dont know if its delaying tactics or complete ineptitude, but I found only the chief execs office were able to sort it out. Send it Private and Confidential, and of course get it signed for:!:

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