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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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Irresponsible Lending Claim due to 7 PDL company loans over gambling


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Hello all, really hoping for some advice on my story, will try keep it short as much as possible!

 

i am going to be brutally honest i developed a gambling addiction about 6 years ago, what started out as fun soon became addictive.

 

one loan turned into another and then payday loans started which were so easy to get ( i know there is responsibility on my side but if you have never been inside a gamblers mind it doesnt work the same way as a normal person when it comes to finding the next " loan " )

 

i am now taking steps to recover from this as all my family knows

in the meantime i wonder if i can claim for irresponsible lending against the below firms due to the fact i had several defaults on my file,

 

one as recent as 2018 and multiple accounts showing in arrears/defaulted from 5 years ago, multiple search history on my file which shows how desperate i was to get credit all showing at the time they credit checked me when i applied for a loan with them

 

Mr Lender - 18th Feb £200 - with interest £311

Wonga - 28th Feb - £200 - With interest £234

Myjar - 31st March - £100 - With Interest £150

Cash4unow -10th April - £200 - With Interest £295

Loans2go - 13th April - £200 - with Interest £1019 (took out for longer term)

Oakam - 17th April - £150 - With Interest £311

Peachy - 19th April - £100 initially then allowed me to top up with an extra £200 on the same day - With Interest £556

 

i would like to state that Peachy havent done a credit check, spoke to them this morning and they say they do credit checks, i checked my file on noddle for the 19th and there is no footprint from them on that date under Peachy or cash on go ltd (funny enough in my accounts its registered i have an active loan with them)

 

with all the defaults and accounts in arrears and my credit rating being 1 out of 5 (its at the lowest end of available credit score) surely all this should have alarmed them to consider not giving me the loan and it should have showed i couldnt afford to repay anything.

 

how can they call themselves responsible lenders? surely the defaults themselves should have caused them to say " this person cant pay loans back that are over 5 years old "

 

any thoughts how i should progress with this?

 

i have sent email off to them all lodging a complaint not using any templates as i wanted to write it myself as i dont feel a template really fitted the point im trying to get across to them.

Edited by hamilton20010
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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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Welcome to CAG - hamilton20010

 

DX is right - We have a guide that goes End 2 End - From establishing your claim to referring to the FOS.

Any questions - Please do let us know.

 

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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Welcome to CAG - hamilton20010

 

DX is right - We have a guide that goes End 2 End - From establishing your claim to referring to the FOS.

Any questions - Please do let us know.

 

Where are the templates letters at please? i bet i have clearly missed them in an obvious place!

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letters not email - 1st class

get free proof of posting from the PO counter too if you can

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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how do i upload attachments or pictures?

 

got a letter from one of my creditors i need advice on

 

PDF it or use officelens to scan the document

And you can then attach it to your post

 

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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right attached :)

 

well the creditor is Mr Lender, i filed an irresponsible lending claim because of my gambling addiction and the fact i had several defaults on my file at the time i applied and lots of accounts on file already in arrears.

 

one thing i find interesting is that they have lied about what i put down for " other outgoings " i would never put a random number in like £168 i always round things to the nearest £10 or 100 or whatever so i dont know where they got £168 from, the only thing they asked to verify with me at the time was payslips

 

they say my credit score was 549 at the time of loan, on noddle its 1 out of 5 447 score and thats rated very poor so if it was 549 it still would be poor.

 

They say they responsibly lent and checked my credit file even though its littered with defaults from accounts that have not been paid.

 

im wondering whether to accept this offer or take it further? hold out to see if a month or so down the line they will keep reducing the balance

 

thanks for any advice

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always push further

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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always push further

 

would there be a specific template i should send back?

 

also some of my debts got back over 3 or 4 years where i complained to get the interest and charges back and they declined but i didnt take it further so i dont know if i should complain to them again using templates from this site?

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No

 

YES

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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Ive unapproved the attachment for you... Rename it on your PC to something random and reupload it :)

 

That way you dont reveal your name to the world :)

 

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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These loans were supposed to take into account defaults... But if they are lending to you when they can see you arent servicing other debts that that is a BIG No-No...

Off to the FOS You go :)

 

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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These loans were supposed to take into account defaults... But if they are lending to you when they can see you arent servicing other debts that that is a BIG No-No...

Off to the FOS You go :)

 

i will :) do i tell them i am going to the FOS or keep it quiet?

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cant do a thing go silent key on them

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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