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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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Debt settlement advice


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Hi All,

 

New to the forum, but would like some advice please.

 

I had a massive amount of debt which came to a head 5 years ago.

 

I have been making monthly payments on the debts for the past 5 years to agreed payment plans with several companies, having had them agree to freeze interest and accept payments that were affordable for me.

 

A family member has now offered to settle the debts in full for me, after what seems like a very long time keeping my head just above water, as long as the companies agree to take a final settlement amount and to reflect this on my credit report.

 

I can't find any templates related to this online. Is there anything I need to tread carefully around when requesting a final settlement, on the basis that I asked for interest to be frozen?

 

Also, does anyone know of any templates I can use for this?

 

Your help and support greatly appreciated.

 

TIA

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list your debts please and who you pay

 

I hope you sent the people you pay a CCA request to check they hold the required enforceable paperwork before blindly paying them anything?

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 and Welcome to CAG

 

Before you consider settlements......have you ever requested copies of the agreements from the " several companies " using a section 77/78 request (on CCA1974 Regulated agreements) ?

 

How do you know they legally own the debt...allowed to collect on the debt...can enforce the agreement in event of litigation ?

 

Regards

 

Andy

We could do with some help from you.

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Thank you for this, Andy. Not something I was aware of, but will be requesting this from all of them before I do anything else.

 

A must....always.....

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

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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list your debts and who you pay please

and what type of debt too

as CCA is not applicable to all.

 

once a debt has been defaulted

it vanishes upon its 6th birthday from your file

 

paid off or not

and settling a debt doesn't improve your score either.

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,

 

Here's the companies that are currently collecting the debts:

 

Wescot

Credit Solutions Ltd

Ascent Collections

Central Debt Collection Services

Link Financial Outsourcing

Fredrickson International Ltd

Capquest

Cabot Financial (Europe) Ltd

 

They are mostly credit card debt, but a couple are store cards.

 

These aren't the original companies that I had the debts with, in the main, but have had the debts transferred to them during the time.

 

Thanks for the help and guidance.

 

So, are you suggesting I shouldn't make full settlement payments to these companies if it isn't going to make a difference?

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CCA Section 78 the lot with exception to below.... if you could confirm the exact debt ?

 

Credit Solutions Ltd

Ascent Collections

Central debt collection Services

 

...instructions are provided in the link above.

 

You cant use section 77/78 on mobile phone accounts or current account overdrafts or utilities

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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Your ebeing cash cowed on pretty much all of them, but as above, you need to get those requests off to stop them in their tracks.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Credit Solutions Ltd - bank overdraft

Ascent Collections - hire purchase

Central debt collection Services - bank overdraft

 

Thanks renegadeimp, I will do that.

 

Worried by what you mean by "cash cowed" - sounds like I have had the wool pulled over my eyes and shouldn't have paid them anything in the first place? :(

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yep that's what DCA's do sadly.

 

they are not bailiffs and have ZERO legal powers..

 

I bet you've been talking to them on the phone too??

 

here a thread to read

this guy just wrote off +£52k in debt.

 

and he is not alone..

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?479350&p=5097474#post5097474

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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Credit Solutions Ltd - bank overdraft CCA not applicable

Ascent Collections - hire purchase Section 79

Central debt collection Services - bank overdraft CCA not applicable

The rest are section 78

 

Andy

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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So how do I stand with these all still showing on my credit file then, with most of them listing as default?

 

doesn't matter what you do

the default is there for 6yrs

paid or not paying or not....

 

so , go use that money for a holiday

other than that burn it...that's about as much use it will do your credit file.

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 rest are section 78

 

Andy

 

So for the ones that CCA does not apply, should I go ahead and contact them about a final settlement amount?

 

Sorry, another piece of advice needed. I only have their account references - not my original references. Is that ok for the letter, or will it cause me problems?

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So for the ones that CCA does not apply, should I go ahead and contact them about a final settlement amount?

 

No leave them in abeyance for now

 

Sorry, another piece of advice needed. I only have their account references - not my original references. Is that ok for the letter, or will it cause me problems?

 

Use their references...if you know the OC reference type (previous account number xxxxxxxxx with original creditor)

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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doesn't matter what you do

the default is there for 6yrs

paid or not paying or not....

 

so , go use that money for a holiday

other than that burn it...that's about as much use it will do your credit file.

 

So your advice is go spend the money that you owe as your credit score won’t improve either way?

 

Shouldn’t it be if you have the funds to service your debts then go do it? Minus inflated fees and charges of course.

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nope once defaulted paying off debts does not improve your credit rating in anyway.

 

only if you really do owe all the money and its 1000% enforceable

and never to a DCA - do you ever start to even consider paying the debt.

SAR cca etc get every piece of info first!

 

throw the moral arguments out the window.

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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  • 2 weeks later...

I have received responses from Wescot for 3 accounts I have with them. See attached.

 

What's the next step here - do I need to send them revised cheques?

 

Seems a bit odd if they are collecting?

 

 

TIA

 

ok so it won't let me post the image....

 

Any advice?

 

https://drive.google.com/open?id=1iKB7-50pqxekEd3hup6LfYalz9lmi8cH

 

That seems to have done the trick...

Edited by dx100uk
merge
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please use UPLOAD to send us docs

 

what part of the CCA request did you not read?

 

you don't ever send CHEQUES!!

that gives them a signature to scan and pop on FAKE agreements.

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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They are not the creditor or legal owner so cant accept payment or the request...only pass it on...deal with the creditor...not the ambulance chasers.

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

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lucky you!

well done

 

that's why we say use blank PO's then they do fwd them on

who are their clients?

another DCA or the original creditors?

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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