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    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
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Credit File and partial payment


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Hi

 

Wondered if anyone could help??

 

I have been payin of my debt for a LONG time through StepChange, to be precise

i've paid off around £11k in 8/9 years and recently have changed to Pay Plan

who have advised me to to a debt relief order which i don't really want to do.

 

However

my grandad recently passed away and my dad has £4k that he said he is willing to pay off my debt if i can get reduced payments on them all.

 

Using the National Debt Advice Service templates and calculator i have sent letters to all my creditors which are all debt collection agencies to if they will accept a partial payment to settle the debts. I'm trying to get around 10k down to 4k.

 

However upon checking my credit file, Noodle, which used to show all my defaults

it no longer has anything on it so i'm wondering where these defaults or debts have gone?

 

Westcott Service Ltd have recently written to me to say they have sent my offer to the Royal Bank of Scotland and is waiting for them to see if they will accept it however i assumed my debt had already been sold to Westcott so would be up to them.

 

They also said my credit file would just be marked as partially settled which doesn't really bother me as i am a student and don't plan on even attempting to get a mortgage for at least 10 years by which time it would have dropped off my file.

 

However if its not already there will the Royal Bank of Scotland add it to my file again.

 

Hope that makes sense??

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don't go wasting that money

 

 

can you list your debts please

 

 

sadly I think you'll find you've been cash cowed for years on many of them

 

 

a DCA is NOT A BAILIFF!!

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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a debt cant comeback on your file

paying them off will NOT improve your score

if they are all owned by DCA's then send each one a CCA request

make them PROVE they hold legally enforceable paperwork..i bet they don't!!

 

 

wetcloths don't buy debts they just chase.

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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Thank you for replying

 

My Debts are:

 

Idem Capital Securities: £3500

Westcot Credit Services: £2433

Idem Capital Securities: £1742

Robinson Way: £868

Welcome Finance: £698

Akinika Debt Recovery: £350

Blair, Oliver & Scott: £221

Robinson Way: £159

Moorcroft: £88

 

Stepchange have been paying them off each month for years (this is a mixture of mine and my husbands debt from years ago, we have a joint step change account) most of them have only been getting a fiver a month for about 8/9 years! however we have paid off in total around 11K.

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what were each debt type and who were the original creditor

cash cowed me thinks

i'd be cancelling the dmp now.

 

 

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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Share on other sites

Original Creditors

 

Idem Capital Services - MBNA Limited

Wescot Credit Services - RBS Mint Card

Idem Capital Securities - Halifax - Overdraft

Robinson Way - Lloyds CC

Welcome finance - Welcome Finance

Akinika Debt Recovery - We think 02

Blair, Oliver and Scot - Halifax CC

Robinson Way - Tesco Credit Card

Moorcroft - Nationwide Credit Card

 

If i cancel the DMP won't they start harassing me again. Currently i don't pay interest so worried they will start that again.

 

If i send of a CCA request - which apart from Welcome Finance, non are original creditors. What happens if they don't have a credit agreement with me or they fail to send it, I've read i can make a complaint about them but what happens to the debt?

 

Sorry although i have been in debt forever i've always just relied on step change to provide me with the right advice so not sure on procedures.

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until/unless we see an enforceable CCA you stop payments to them!

they are ruddy fleecers..you are being cash cowed blind and these stupid DMP providers don't check and couldn't care less as they get a ciy of the payments you make thru the backdoor of the banks.

 

a DCA is NOT A BAILIFF

and has

NO LEGAL POWERS WHATSOEVER.

 

send a CCA request to each one

bar the idem bank account as its not cover

nor the o2 debt

 

i'd simply just stop payments to everyone

and deal with the deforestation as it comes thru you door.

and we'll help you.

 

go use that money to have a nice holiday

not lining the pockets of ruddy debt collectors

all you will be doing is funding their fleecing of 1000's like you.

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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