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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Renewal declined now defaulted !!


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Thanks Pat/Bernie and Goldie I am going to send the letter draughted by Bernie and also send a copy of the new policy.

 

One Call insurance are not nice people to do business with and change DD instructions willy Nilly BEWARE!!

 

I will update this post with the outcome.

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:mad: My insurance renewal quote from One call insurance went from £330 to £980 so I said no thanks. Then they took two payments in Aug and Sept.

 

I contacted them and asked what they were doing and they said I had to proove I no longer had the car and required the policy.

I said the onus is not me to correct the mistake and they refused to refund me.

 

I contacted my bank who said they would investigate and they refunded me the payments and advised I cancel the DD.

 

Now the broker one -call has sent me a letter saying under section 87(1) of the consumer credit act I have been defaulted.

 

What can I do?

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Hi Cisco

 

Did you take insurance with another company then instead? & did you tell One Call that you didn't wish to renew the policy?

 

If you've got insurance with another insurer, then by simply sending them a copy of the new certificate should suffice. And if you told them you did not wish to renew, they should not have continued to take payments from your bank. However, if you didn't tell them to cancel the insurance & assumed it would automatically cancel, then they were within their rights to continue to take premiums as most policies auto renew unless you say otherwise. However, as I said, if you can provide them with evidence that another insurance was in place or that you sold your vehicle, they should go away & stop pestering you!

 

You have to remember though, from their point of view, if you didn't tell them you wanted to cancel the policy, but are now telling them you didn't want to renew, you may have been on cover with that vehicle for the last few months but are now expecting a refund. So as long as you can provide evidence that you either a) didn't need insurance or b) had insurance elsewhere - you should be fine.

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Thanks for post in reply, I told them categorically that I would not be taking a renewal and this is on their file.

 

I do have another policy which I would send them, however the whole incident is questionable conduct as I am concerned.

 

The point of being defaulted is my concern and any company who throws these defaults around Willy-Nilly so to speak are doing so simply to spite people who excercise freedom of choice.

 

The fact my bank has reimbursed the payments makes a case against the justification of unauthorised withdrawals.

I have not signed to authorise any payments and certainly have not signed any documents or mandates regarding a renewal.

 

Call centre staff have quoted the conversation I had with them when I said that I would not be renewing.

 

Thanks again GoldyR

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Sorry, I don't know the technicalities of being defaulted but I would write to them as follows.

 

Dear Sirs,

 

Re Policy No: [x] Renewal Date [dd mmmm yyyy]

 

I am writing to you to complain about your handling of my declination to renew my insurance with you.

 

Your staff have confirmed that your records confirm that I declined your invitation to renew. No further action should have been required from me.

 

However, you ignored these instructions and continued to take funds from my bank account. I have now recovered these funds using the Direct Debit Guarantee.

 

You have now written to me saying that under section 87(1) of the consumer credit act I have been defaulted.

 

I am in default of nothing. Could you please deliver to me within fourteen days of the date of this letter a letter confirming that you have cancelled this default and that you have unravelled any notice to any credit reference agencies or any other impact whatsoever on me as a result of this action taken by you.

 

Yours faithfully

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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O.K today I received a letter from ONE- CALL in DONCASTER informing me they have cancelled my insurance as of 30/10/2007

 

They are demanding £341

Charge for cover =£202 days (84 days)

Policy fee =£14

Legal cover =£24

Breakdown cover =£34 (Never asked for this cover in first place)

Charge (default or admin fee) £65.41

 

I have 14 days to pay and ONE-CALL say they can renew my cover even when I said I did not want to be renewed before renewal date.

THEY SAY THEY ARE AUTHORISED BY FSA - if thats the case then the LAW MUST CHANGE!!

 

I said I would send them a policy I have on a new car taken out before the renewal date was due with ONE-CALL, they said they would not accept this after telling me on a previous occasion they would accept it !!

 

THEY INSIST I WRITE TO DVLA AND OBTAIN A LETTER FOR THEM SHOWING I TRANSFERRED OWNERSHIP OF THE CAR INSURED BY ONE-CALL BEFORE THE POLICY WAS RENEWED.

 

ANYONE WHO THINKS THIS IS GOOD CONDUCT NEEDS A SHRINK !! :eek:

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As I said previously, to resolve this situation amicably you should provide them with a copy of your new insurance certificate. It's all very well saying 'it's none of their damn business' but this attitude isn't going to get you anywhere & will just prolong the angst for you.

 

If you want to get this resolved & move on to more important things in life, then do the necessary & resolve never to go near this company again. Far too many people spend hours of their precious lives argueing over a 'principle' with a company, what is the point?! :confused:

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  • 2 weeks later...

I think you need to insist that the matter is dealt with by their internal complaints team if its not already been done so. They should send you a "final letter" outlining their final response on the matter and details of how to contact the ombudsman. Insist that you have this, and if their response is still not satisfactory then take your complaint up with the ombudsman.

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Hmm

 

I would do a s78 request for a copy of the agreement where you signed to agree to pay such monies - I would imagine they would only have a signature for last year

 

At the same time send them a copy of the new insurance

 

And also tell them failure to remove the default will result in you issuing court proceedings for damages via defamation and harassment

 

 

What an utter bunch of ******'s

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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