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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Guys,

 

What do i do now its just been confirmed in the last few minutes that my dads (god bless you dad) funeral is on the 12th may 09 at 10:00 the same time and date of my next hearing.

 

It is obvious i cannot now attend this date is their a practice direction or cpr for this happening.

 

Or do i just phone the court and explain i have sent letters to optima legal and mbna explaining that my dad was terminally ill in the hope of getting the case deffered but have heard nothing back (long shot i know)

 

Is there a mod about that can advise

 

Regards

 

PF

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 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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You need to phone the court and speak to listing - ask them whether they will take it out of the list with a letter or whether you have to apply on a N244 - it depends on the court which approach they take

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Thanks Guys i phoned the court and spoke to listings they where very helpful and he said in that instance due to bereavement a letter to the DJ will be sufficient.

 

Letter duly send this afternoon via SD

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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So sorry for you PF. My OH lost his mum in Oct 07 to cancer, and then his dad last November to asbestos related lung cancer - my sympathies are with you, it's a horrible thing to cope with.

 

Lexis x

Time flies like an arrow...

Fruit flies like a banana.

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Thank You Lexis

 

Just a shame mbna/optima cannot show a bit of decentcy just goes to show what slimeballs they are.

 

I have for the last hour been staring into abis trying to come to terms with all this.

 

Think i will go to see my doctor tomorrow as i feel ****e with a low immune system going down with a cold im sure has been brought on by all this.

 

they say things come in 3's wqell i can tell you it sure does.

 

take care

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi PF, Im real sorry to hear of your loss.

 

please let me know when the hearing is re-scheduled for when you are told and i will , providing that im not on a case already, attend pompey courts with you on the day of your hearing,

 

Id really love to give them a bloody nose for ya:)

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Id really love to give them a bloody nose for ya:)

 

And so say all of us!! ;)

 

Loadsa hugs and kisses PF...make sure you look after yourself hun xx

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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im seating here with a tear down my face because the people here are truly amazing i would like thank the moderaters there kind words have been fantastic

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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im seating here with a tear down my face because the people here are truly amazing i would like thank the moderaters there kind words have been fantastic

mate , you are very welcome, as i said though the most notice possible would be great as our schedule is filling up rapidly so when you hear from the court for the hearing , drop me a PM and we will have to have a chat about the hearing etc to get things sorted

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Time to take care of yourself for a while PF. You've been through enough to know that money really doesn't matter. If you haven't got your health and loved ones the rest really doesn't matter.

 

I'm sorry your dad has gone, but glad he's not suffering. It gave me great comfort when my mum died last year to know she didn't have to go through any more. She's had enough.

 

You've got my eyes leaking now. xxxx

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thank you PT that would be a fantastic sight to see if u cant attend i will understand as im fully aware of the good work you do if u cant perhaps u would be so kind in helping me find a solicitor as i have more than0enought to

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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get this put to bed with the fraudulent DN and agreement they now say is not an agreement

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Right thanks all in the mean time i will go though this whole thread a summarize the main points in the hope it will make it easier to follow.

 

Im sure that will be a great help to PT and other moderators.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Right thanks all in the mean time i will go though this whole thread a summarize the main points in the hope it will make it easier to follow.

 

Im sure that will be a great help to PT and other moderators.

 

Regards

 

PF

 

Might it be easier to start a new thread PF, copying all the essential posts and just including a link here for all to follow?

 

You could also give it a new title such as MBNA Thieving Baskets v PF !! ;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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get this put to bed with the fraudulent DN and agreement they now say is not an agreement

 

So if it is no longer an agreement, what is it PF :confused:

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Yup indeed PT but im sure they have now shot themselves in the foot because the agreement they brought these proceedings on they say is NOT AN AGREEMENT but a pre-contractual application form the agreement they say is attached to the card carrier well to date I nor the court have seen this card carrier.

 

They have changed there witness statements so many times it is hard to believe what is true.

 

Welshmam that is a good idea i will copy and paste all the relevent docs and posts to another new thread as there is a lot of stuff on here that has no bearing in the case which makes it hard to follow.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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  • 2 weeks later...

Good Afternoon All,

 

Guys im bricking it now and very distressed, I,ve tried to phone the court to find out what Optima have told me is true but i cant get an answer on the phone it just keeps ringing ( are they at lunch do you think).

 

Anyway ive just got two letters both dated 7th may from optima legal one says the court has not received my letter requesting my hearing be vacated which is this tuesday.

 

The second letter says the judge has not adjourned the trial date so the trial on the 12th may still stands.

 

As you know my dads funeral is on this date so there is no way i can go to the trail and if they get judgment by default i will appeal.

 

I finding it hard to believe that a DJ would allow it to go ahead given the circumstances.

 

Do you think optima are trying to pull a fast one knowing that i will not attend ?

 

Also ive heard nothing from the court on this surely i would of done ?

 

Please help any words of wisdom here

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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