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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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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


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they are NOT BAILIFFS

tell 'em to do one and never return or you'll call the police on 101

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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This guy who called today would be the Field Agent they said they were going to send - they obviously havn't cancelled his visit. Sub prime lenders love sending these guys out as they think it makes them look as if they are engaging with you and trying to help - however they will have added somewhere in the region of £90 for the privilege of him calling on you unannounced. You need to write to Prime telling them that you did not request or agree to their Field Agent calling, that he left a letter in an unsealed envelope with an individual who has nothing to do with this matter and you don't expect to see any charge for this visit added to your account.

Help us to keep on helping

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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if they don't do nowt by the date - its dead

they cant do what ever they took you to court for

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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Prime/Alpha received letter yesterday..

 

Phone call this morning from excel... once he said where he was from I stopped him and told him I had no wish to speak to him.

 

He said all his wanted to know was. Again I stopped him saying he's been miss informed and to go to alpha as debt has been subject to 2 lots of court proceedings.

 

But again he said he needs to know. Wish I'd let him elaborate lol

 

I told him as far as I'm concerned that's all he needs to know.

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a SAR is to get a copy of the information a company holds on you.

Why would you reply?

 

 

You need to use the information they have provided to see if it is correct,

that they are processing any information held properly and fairly

and that they have provied you with a copy of everything in a clear format with explanations of any jargon they use

 

You need to be looking at the accounts to see what they have added in the way of charges and fees, interest, penalties or whatever so you can challenge ther activity and the totl they claim is still owed. When you know all of this you can write to them but to demand a refund or account adjustment.

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It's a bit more confusing than that.

 

As they say a loan is outstanding and a charge sercured on my house however the Loan info they hold does not correspond with the legal charge that was placed on house 2 years before this loan that are claiming..

 

Two different amonunts 2 years apart. Plus mass irresponsible lending on the previous owners part

 

I'm unsure how I challenge the agreement they have to the one secured at the land registry 2 years prior though.

 

I have a lot more info on all the previous loans with other company from a 2016 SAR .

 

Compared to what they've sent me in Sar regarding the 2008 loan they say is owed. I don't think they would have all the other docs.

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Refer to post#774

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Baffling me why he's gone there. They know where I live.

 

Land registry were as much help as a chocolate teapot their reply and I asked further questions.

 

Thers in normal text.What I sent in reply in bold

 

Hi can you assist further please?

 

entry C4 on your title relates to a charge you took out with Progressive Financiall services Loan settled on 3/4/2007 who subsequently went into Liquidation and a portfolio of their charges (over various properties) was sold to Alpha Credit Solutions on 17 September 2016. So why was this sold to alpha in 2016?

 

Once a charge is paid the Loan Company should apply to Land Registry to have the charge dis-charged from the title. You will need to seek Legal advice on how to have this charge removed if it has been satisfied. The loan company should have discharged it in 2007 upon settlement yet now Alpha have it.

There is no entry of a charge dated 2008 in favour of Alpha Credit on your title so they would not be entitled to repossess your property. But they are trying on the above 2006 charge. Alpha credit do now have a deed of variation for a charge dated 2006 . So how have they got this deed of of assignment? How can they claim it's for a debt taken out in 2008?

I have been to court twice for possession with them. Once last week and once before in May. They have adjourned both times before the hearing as I have submitted lots of evidence towards the 2008 debt being bogus.

 

The 2008 debt was in serious dispute with the previous company prior to it being sold.

Is there anything you can do to make Alpha prove that the 2006 charge should be on there in their name with this deed of variation. As it seems to me this has been put on my property without any proof whatsoever of the registered debt is either real, legal, or enforceable. Not forgetting it was settled April 2007.

 

They are trying to claim a debt that has nothing to do with this charge as it was apparently taken out 2 years later.

 

Reply I've just received

 

Please see the reply that was sent to you in regard to this matter.

Please note that Land Registry is an administrative agency and is unable to give legal advice

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The whole thread baffles me :wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Received this from LR today

 

The application form dated 17 September 2016 has your name and property, listed at page 5, against Charge dated 19 October 2006.

Likewise the Deed of Variation dated 17 September 2016 also has your name and property, listed at page 13, against Charge dated 19 October 2006.

I have so far not come across any reference to a charge dated August 2008 in relation to your property.

 

If you have any documentation relating to the 2008 charge to which you refer that you wish to send to us then we will give it consideration

however as previously stated with regards to the 2006 charge, we cannot remove a charge entry without a discharge.

 

Land Registry’s role is administrative, recording details of property ownership on the basis of deeds/documents received and you may wish to consider seeking legal advice as Land Registry cannot provide legal advice.

 

My reply

 

There is no charge in 2008 on any of my deeds this is why I've come to you.

Only the company alpha credit saying they hold one from a loan taken out that year.

They have tried for repossession twice on this.

Yet there is no charge on my property.

So I would not have any documentation for this as there is none.

 

But from what I see from my official copies they hold a deed of variation on a charge dated 17 September 2016 against Charge dated 19 October 2006.

2 years prior to the date they claim it's from, which should have been discharged in 2007.

Yet the company progressive finance have managed to pass/sell it on to Alpha with many other property's.

 

As it stands at this moment in time after numerous letters sent by myself to the company Alpha credit since march 2017.

They have no proof of paperwork to back up their claims of the debt, if so they would have provided it by now.

However they have taken me to court twice for repossession.

Which has been adjourned twice by the judge due to their failure to provide anything I have requested.

 

This company that did not have to prove its case to you but you the Land Registry accepted the variation of the charge.

And still they have yet to prove that any money is legitimately owed to them.

 

Is there anything you can do to get them to showing proof of validity of the claim relating to the charge they own by a deed of variation?

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send them that unredacted list of charges alpha have bought of other people too cruz.

they might be able to unfathom the story better

you never know what a clever bod might do once that's in their hands

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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The doc you mentioned they already referred to by them as being on page 13. I'm unsure how I can respond further here. They just don't seem to be taking any notice to what I'm saying. Banging my head a a brick wall springs to mind.

 

Anything you could advise me to send them. I haven't responded to email below yet.

 

Follow up from LR.

 

As previously stated Land Registry’s role is administrative only, recording details of property ownership on the basis of deeds/documents received.

 

A charge that has been registered will remain on the register until a formal application is made to discharge it. The application to register the deed of variation was in order and registered in accordance with the application submitted to Land Registry.

 

I can only recommend that you seek legal advice and Land Registry cannot offer any advice in this matter and would suggest you consider obtaining advice from a legal professional or a body such as the Citizen’s Advice Bureau.

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automated safe to ignore

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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Share on other sites

Been going through file. 1st lot of court proceedings issued for the 24th May.

 

After the 3 letters in june and July they issued 2nd lot of Court proceedings on the 12th of July. 7 weeks after the 1st hearing.

 

I'm on the 2nd letter now since 2nd court hearing on 21st Aug. I'm sure I'll get another soon. The 7 weeks are up 9th October so let's see if they do issue proceedings at the same time frame.

 

They haven't responded to letter dated 30/8 refusing a field agents visit and requesting I don't get charged.

 

Clearly I've been charged as the fees to the sum of £263.20 are on today's letter. No breakdown though :???:

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Another letter today from prime dated the same as one in 802. Worded differently. Also telling me that they are still charging me for excel mans visit even though I refused. So they've have read my letter dated 30/8.

 

No arrangement fee in place makes me laugh.

 

They haven't really took any notice of all the complaints from March :???:

Prime 14th Sept.pdf

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