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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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Acenden, Spml, Eurosail, Ge money. Are these all same company?


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Hi

 

I pay smpl on Morgage but they are Acenden now.

 

I've just sent them a Sar in the hope of reclaiming charges as I know I was in arrears about 7 or more years ago with capstone what's my chance of success here?

 

I've just noticed they have cashed the cheque and £10 has been credited to my Morgage account.

 

Is this normal practise?

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the rest are all linked but not GE money

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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Hi

 

I pay smpl on Morgage but they are Acenden now.

 

I've just sent them a Sar in the hope of reclaiming charges as I know I was in arrears about 7 or more years ago with capstone what's my chance of success here?

 

I've just noticed they have cashed the cheque and £10 has been credited to my Morgage account.

 

Is this normal practise?

 

Responding to S.O.S

 

They can actually do what they like with the £10.00 as long as they :-

 

a) fulfil the request for your Subject Access Request within the specified time of 40 calendar days and

b) do not try to say that you have made a payment to your account.

 

It is an unsolicited gift from them to you.

 

You might want to drop them a quick note along the lines of.

 

Dear Sir/Madam

 

Subject Access Request DATED

Account references...

Name

 

On DATE, I sent a Subject Access Request to your Data Controller. Enclosed with that request was the legally required fee of £10.00.

 

It has been noticed that you have applied that fee to the mortgage account - I would remind you that the fee was for the Subject Access Request onlyand for no other purpose and you are obliged to provide that to me within 40 calendar days.

 

Please confirm that you have made a gift of £10.00 to the mortgage account and are in the process of providing the Data I have made a legal request for.

 

Regards,

 

CruzHughes

Keep an eye on the date so know when you need to start jumping up and down if they don't provide the data on time.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Brill thanks.

 

Are they known to to provide data on time?

 

This Morgage has 10 years left to run and I had not realised its interest only.

 

I still owe 70 grand

 

when I first bought house it was for around 45.

So as you can imagine I need to find out what's gone on..

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I have no knowledge of this company and their response times to SAR requests. Perhaps have a quick look at other threads where someone might have sent SAR to them.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Getting any money out of Acenden is an uphill battle, but it's always worth having a go. Let us know when you get the SAR info back and we can advise further.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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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Yep sadly that's about par for these fleecers

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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You are not the only one they have done this to.

Applied the wrong repayment figure.

Get ready to complain to the Financial Ombudsman Service when you have your documents from Acenden.

 

Acenden is a "mortgage servicing platform" that was bought out of administration in 2015 by the global equity group BlackRock (from the Lehman Brothers liquidators PwC).

 

SPML is no longer, since early 2009, the beneficiary of the legal charge (the mortgage) of any SPML-originated mortgages.

 

Eurosail is a Special Purpose Vehicle created by Lehman Brothers

- there are several Eurosails

- to which SPML "sold" its mortgage assets, all of them,

while retaining the ownership of the "title" (the brand, as it were)

because the sales were not "perfected" except in the case,

apparently, of second-charge mortgages:

 

 

these Barclays Bank required the sales to be perfected, if it was to continue providing payment processing facilities.

Eurosail is the beneficiary of the legal charge.

 

Acenden will probably fulfil your SAR quite quickly but may omit stuff that makes them look bad.

 

Edited to add:

you can verify all this, above, by reference to documents lodged at the Irish Stock Exchange and available on-line.

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Capstone was Acenden's old name.

I think you probably paid SPML, not Capstone.

 

 

You are doing the right thing, starting now.

 

 

Someone else on this forum didn't start until one month before the end of the term of the mortgage,

and he had most of it still to repay (because they had applied the wrong repayment figure).

Which was probably too late.

 

 

You can start collecting all the information you will need: eg bank statements

- if you no longer have these, ask your bank for copies. (Bank may charge for this.)

 

Also recommended is making a screen capture every day of your loan account page on the Acenden web site.

 

 

They do sometimes double-charge and, unless you have contemporaneous details of when that happened and how much, it would be almost impossible to prove it later.

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It's ridiculous

there's £268.00 going in and £234. Going straight back out in interest?!

 

I can go back to 2007 cos I changed banks and I've been with the same bank since then.

I don't live there anymore.

 

But I want to gets all the facts straight before I go to solicitors to sort financial side out with ex.

 

As she seems to have run up an awful lot of debt in my name and she thinks I haven't a clue.

 

Gathering a lot of evidence over a good few things at the moment and its frying my brain.

Have a look at my other threads. :!::shock:

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Hmm,

so they expect you to pay for a certified copy of your own signature

- in what other way have you had dealings with this company?

 

 

Because they will only require proof of your identity if they have not had any dealings with you for a long period.

If they have provided any other sensitive information to you over the past say, 18 months then they are stalling ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Weird ain't it??

I rang them the other week to query arrears and they send statements to my adresss regularly

and have done so each time I moved after I left marital home house with mortgage on.

 

 

How do I word that they don't need my signature to proceed with my straightforward sar request?

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Well My honest opinion (and this will be disagreed with) is that it is perfectly acceptable for them to ask for ID in my thoughts.

Page 19 - Booklet below.

subject-access-code-of-practice.pdf

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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if you read the sar thread in its entirety

its advisable to list your old addresses

and

include a copy of your current CTAX demand as proof of who & where you are now.

 

you must sign an SAR too

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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It's ridiculous

there's £268.00 going in and £234. Going straight back out in interest?!

 

Save your anger and energy for extracting yourself from Acenden. They seem to have done this sort of thing to thousands, and from what I have seen to me it looks like deliberate policy not honest error. Anyway, you are not expected to be a financial wizard checking their figures; they are obliged by law to get it right first time and never get it wrong. But it may entail a lot of work on your part.

 

When you have the information from Acenden - in particular the audit trail of your account - find a calculator on the web and put in what you borrowed, at what interest, what you repaid and when; these calculators also tell you how much you should have repaid every month in order to clear the debt within the period of the loan.

 

This is from 2013 but still relevant.

 

http://www.iii.co.uk/stockmarketwire/90297/cml-help-interest-only-mortgage-borrowers

 

Has Acenden ever written to you about your plans to ensure you can meet your contractual obligation to pay this off when it reaches maturity?

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This is from 2013 but still relevant.

 

http://www.iii.co.uk/stockmarketwire/90297/cml-help-interest-only-mortgage-borrowers

 

Has Acenden ever written to you about your plans to ensure you can meet your contractual obligation to pay this off when it reaches maturity?

 

Nothing other than when I logged on to website it said that!!

 

"It's ridiculous

there's £268.00 going in and £234. Going straight back out in interest?!"

 

Where's the other £34 going then?

Hopefully I will find out when I get sar.

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  • 4 weeks later...

Received sar back.

There are phone transcripts with parts blanked out.

 

Most of paperwork is to do with buildings insurance that I've been paying over 400 a month for.

 

What should I be looking for?

 

There are a few letters where they have credited the account as They were saying I'd been overcharged for letters

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£400 a month?

a year surely?

 

 

penalty charges...fixed sum like £25 etc

letter/phone/dd return/debt management /arrears...

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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