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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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Hi

 

I have received a letter from Zurich saying they have mis calculated my payments since 2004.

 

Giving me two options a refund + interest or keep paying what I am and increase cover

 

Can anyone send me link to interest calculator please had it on my old computer which is long gone.

 

Smiles

 

OSW

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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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Thanking you kindly ...

 

Just did figures based on 8% however just re read the letter they sent me and it states interest will be paid at a rate BOE rate less 0.35% until Jan 2012 and less 0.4% thereafter ???

 

 

How does this work then I thought it was 8% across the board???

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they've deprived you of your money

just like PPI they should give you 8% IMHO.

that's the FOS rules

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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incidentally they should be refunding the 8% on EACH OVERPAYMENT INDIVIDUALLY from its own date too

have you a list or can you work out and fill that sheet in like you did for the PPI? for each date of each over payment?

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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I thought this was the case =- love how these people make up their own rules the notice of the amount of interest they are going to pay is in SMALL print.

 

How many people will just fill this in and send it off

 

So how do I proceed? do I contact FOS or send it back crossed through denoting 8% should be applied? Or both

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you cant go to the FOS until you exhaust their complaints process or 8 weeks from complaint

I cant see their being anyharm in ringing the fos Tuesday and asking mind?

 

why not adapt what ive said in post 5 and inc that in the reply to zenith with a refusal

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've deprived you of your money

just like PPI they should give you 8% IMHO.

that's the FOS rules

 

This post yes?

 

And don't understand this bit ..... and inc that in the reply to zenith with a refusal - Oh reply to Zurich Saying I refuse the interest rate they denote ? Because of above?

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yes

 

inc this bit too

 

they should be refunding the 8% on EACH overpayment INDIVIDUALLY from its own date when you made the over payment

have you a list or can you work out and fill that sheet in like you did for the PPIi? for each date of each over payment?

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

Also when I fill in the spreadsheet total charges read £881.85 and in their letter it says charges = £871.74

Miss calculation somewhere given they have over charged my by £5.01 every month since 03/04 then I am inclined to trust the spreadsheet.

 

According to spreadsheet

charges £881.75 interest £778.24

 

Total £1660.09

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and you entered each £5.01 individually on each date you paid it in?

 

if so sent that to them too!!

 

well done

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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Yes indeed DX

 

I'm sure you realize what I'm like if I don't do things straight away it may take me years to do them :lol:

 

In say that I have an encyclopedia at the front door response from SAR request to egg I will open that soon "honestly I will"

 

On further reading it also infers my policy will end in 2021 (review) however my policy runs till I'm 56 so they are cutting short policy by 5 years, may be reading that wrong

 

DX .... Is this OK?

 

Further to your letter dated 21st August 2018, notifying us that you have overcharged us since 2004.

 

During this time, you have deprived us of our money which has added to financial hardship, under FOS rules the interest that should be refunded should be at a rate of 8% for each individual overpayment from the date that it was charged.

 

We are attaching a breakdown of charges and interest applicable to the same at a rate of 8% for your ease.

 

We decline your interest rate and request that you recalculate your figures to reflect the correct amount of interest that has been accrued over the period that you have been over charging us,

 

I rechecked spreadsheet and had duplicated 2 months entries now much nearer the figure they stated :lol:

 

I now have £871.83 the have £871.74

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wouldn't put financial hardship.

 

the FOS clearly state ...statutory interest at 8% ...

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...

yes that what the staint does and all you are entitled too..

you paid no extra int as it wasn't a loan..

 

you seem to getting comfused..

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...

DX

 

Yes confused that seems to be a recurring event with me lately.

 

All sorted now 8% to be paid - however I dread to think how many people got the original letter and signed it not realizing the interest rate was not applied correctly and lost money because of this

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