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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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RBS 'Forgotten' Overdraft - wescot chasing - Help please!


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Hi Guys,

 

The last couple of years have been horrendous from a debt point of view.

I am out of work again and my family doesn't make enough to pay bills

and buy food so you can guess how stressful this is.

 

Two years ago we moved to lower our housing costs.

 

At about the same time "Egg money Manager" ceased and became part of Yorkshire ??? BS.,

so my instant access to bank accounts etc. was wiped away

- i tried reconnecting but couldn't.

 

Through regular charges applied to the account it was taken through the limit and the charges were ramped up again.

I had no paper statements coming in, but some forwarded letters from my old address told me they wanted their money back.

 

Head in sand never a good strategy I know, but depression and fighting to survive on all fronts meant I took no action.

 

About a month ago got a letter from Westcott (didn't connect the issue at first) asking me to contact them urgently.

 

I rang and confirmed i was said person and asked what it was about.

They referred to the RBS overdraft.

I didn't acknowledge but said I wanted to contact the bank to verify/get further information.

 

Westcott have bombarded me with at least one automated telephone call per day since asking me to contact them.

Eventually I spoke to them and asked them not to keep waking my poor husband up in the mornings as he works nights.

They have put 'harassing' me on hold for a couple of weeks while I contact the bank.

 

It used to be the case that they had to produce a credit agreement but I don't know if this is still correct?

 

I know they couldn't produce one for my husband back in 2009/10

and my account was a lot older than that so they are unlikely to be able to.

 

Is it worth a try to get them off my back - I certainly can't afford to pay them anything back.

 

Grateful for any guidance

 

Sweet

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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Hi, Is this a current account, with or without an overdraft? If so there is no CCA for this.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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why are talking to a no powers DCA

 

never ever phone a DCA

 

is this on your credit file?

 

 

 

dx

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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I agree stay off the phone keep a contact in writing only.

 

 

You need to check your credit reference files asap, Equifax and Experian have 30 day free trials, Noddle (Call Credit ) is Free but not always up to date.

 

 

When was the account last used, do you know the default date? If not the CRA files will help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok thank you, I will stop talking to them on the phone. It was a current account with an overdraft facility. I will check the default date and update here.

 

thanks for the advice so far,

Sweet

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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