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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Asset collections and Avant loan settlement figures


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I previously took Avant credit to the FOS won the case and had a £4500 loan reduced to £2200.

 

Avant then made me a good offer as I was struggling for money. They emailed me saying pay us £877 and we'll close the account.

 

I managed to get the money together and went to pay them £877, only to find Asset Collections now own this and will not accept anything less than 2k.

 

I have sent them the email from Avant. Which they have refused to accept.

 

Do I have any power here to keep the offer at £877?

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why are you blindly offering to pay a powerless DCA they are not bailiffs

 

have you sent them a CCA request to check the debt is even enforceable?

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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  • 4 weeks later...
why are you blindly offering to pay a powerless DCA they are not bailiffs

 

have you sent them a CCA request to check the debt is even enforceable?

 

I sent them a CCA request after this, it's been just over 3 weeks since they signed for it, with no response.

 

Just wondering the best course of action now? I'm still getting the odd email and phone call from them threatening further action if nothing is done.

 

Do I just sit tight and wait?

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ignore till they respond with an enforceable agreement that you scan up and we check

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...
ignore till they respond with an enforceable agreement that you scan up and we check

 

I've had the credit agreement back and now i'm getting emails with

 

 

"We have been trying to contact you to discuss your account but have had no response to date. Our goal is to resolve this matter with you, however if we do not hear from you we will have little option but to refer this matter, which may result in commencing legal proceedings against you.

 

This would result in a claim being registered with HM Courts and Tribunals Service (England & Wales), Northern Ireland Courts and Tribunal Service (Northern Ireland) or Sheriff Court (Scotland) with a view to gaining a County Court Judgment (England & Wales) or Decree (Northern Ireland & Scotland) against you.

 

Please note; in the event of a claim being registered, we are legally entitled to add costs to the outstanding balance.

 

However, even at this late stage you can prevent this by contacting our Customer Care Team who are trained to understand your personal circumstances and to establish an affordable repayment plan where appropriate. Also, subject to affordability we are open to consider all reasonable offers of settlement.

 

ACI are committed to treating everyone with courtesy, compassion and understanding to help you manage your financial situation."

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Block and bounce emails

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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Very much sounds like its unenforceable and theyre just throwing out threatograms. If something legit came, it would come by post. Not email.

 

Also:

 

ACI are committed to treating everyone with courtesy, compassion and understanding to help you manage your financial situation.

 

Nice of them to give me a good laugh this morning.

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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Looks ok sadly

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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Sit on your hands for now. I would wait and see if they issue a letter of claim, then you can do whats needed. Theyve already shown theres something funky with the debt. Wait and see if something comes through the post.

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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have you moved since taking this out?

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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reductions normally mean they know its a lemon debt but theyre still trying to milk money from you.

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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Thats strange its not showing

Unless they've cleared it as part of their deal?

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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What is the defaulted date they state?

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

Id let this run a while

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 months later...

I know it's an email and not written instruction but I've had a "Instruction of TM Legal Services Limited" come through.

 

"TM Legal Services Limited are instructed by us to commence the legal process. You will shortly receive communication from TM Legal Services Limited, which will include details of how you can contact them."

 

Should I still ignore this?

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Yep. Wait for something in the post. Note how they dont define legal process. It could be the start of sending a PaP letter, it could also just be them trying to send more threatograms. Plus note how they sent it by email, and not post. They have no idea if the email is being used, and its very likely automated and no human apart from you have seen it.

  • Confused 1

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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block their email address and bounce that one back as undelivered.

keep confusing them.

 

its simply a free way to sc@m people that think they have magical legal powers they don't.

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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