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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Advice for monies taken from account Cash Genie


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Morning all. Bit of background, took a £150 payday loan from Cash Genie in February 2011 and kept rolling it over after paying my £45 per month. What also happened to me is that the solicitors starting taking monies from my account also. Spoke with them on several occasions to not effect.

 

 

I finally managed to close in July 2012. Total loan was £150 and total I paid them back was £1267.80 to Cash Genie but another £980.60 was taken from my account by their sister form carter forbes.

 

 

I was in direr needs then and had several other PDL's so robbed peter to pay Paul.

 

 

I have finally sorted myself out and feel strong to challenge them. Would anyone have any suggestions as to how I do this?

 

 

I have all the paperwork from my bank dates , times etc..Thanks

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Hi Bigmarti,

 

I am by no means an expert, however I have been in a similar position to you I.e Robbing peter to pay Paul. I would gather as much info as you can on ALL your previous lenders, collate in a spreadsheet, Gasp at how much interest you have paid out over the years. And then send out an email to all companies expressing dissatisfaction about how the irresponsibly lent you money or rolled over a loan so much that they took advantage of your generous nature... The key focus is these companies need to be viewed as being "fair". If you have evidence they may not have acted responsibly or fairly then the FOS would most definately look into your accounts.

 

One thing I would suggest doing though is contacting Cashgenie TODAY, they have been paying out left right and centre for these kind of things and you may find they have no money left by the time they receive your complaint.

 

Many people on this site will be able to help you with any letters, however I would refrain from getting angry/irate but give an honest letter/email, stating firstly, why you are complaining, how these loans affected you at the time, why rolled over, E.g couldn't afford to pay back due to loss of work, other payday loans, snowballing effect, affordability, should they have given you the loan. And finish up with what you would like to happen, and obviously last but not least ending with if they do not answer satisfactorily you will of course escalate the complaint to the FOS.

 

Regards

Jake..

 

Information is from complaining about irresponsible lending with Wonga and QQ, the former being satisfactorily settled and the latter I am still waiting for.

Edited by foxy502
Terrible grammar!
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Hi Jake,

 

 

Thanks for you note, it was helpful in pushing me in writing to all the payday loans that I took out over the period of time, nothing ventured , nothing gained.

 

 

I will let all know how I get on.

 

 

Thanks BigMarti

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