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    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
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    • We have finally managed to obtain the transcript of this case.

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Thunderpuss2k vs Birmingham Midshires (Halifax) **WON**


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I would imagine its a simple ERC for ending the old product, although they could possibly argue that its for a service of switching products. If they do state that its a service for switching don't take their word for it ask for a copy of the terms & conditions of the old product and see if there was a term relating to ERC which reflects the charge.

 

Zoot

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I received an arrangement fee for £149 and a ERC of £1548.79 for changing product within 120 months so just minus off £149 because thats all it should have been.

 

To be fair they have stated such in their letter of explanation to me. Just need to get the £1548.79 hummmmmm

 

So I take it that their letter to me says ERC of £1548.79 and new product switch means that they have to prove their losses of the £1548.79.

 

Still working on the default but that is next
:-D

 

Halifax

Sent LBA
27/6/06

Been on hol for a week, got home found letter from them dated
27/6/06 offer of £92 claiming £1155.10 so no deal.

Filed claim with Moneyclaim 12/07/06

Halifax acknowledged claim 25/7/06

Court papers received 28/7/06 Halifax intend to defend.

HALIFAX SETTLED IN FULL 1/8/06

Donation made

Birmingham Midshire (mortgage charges) Prelim letter sent 2nd Aug 2006, full offer received 11th Aug with conditions.

13th Aug accepted offer unconditionally.

BIRMINGHAM MIDSHIRES (MORTGAGE) SETTLED IN FULL 24/8/06

Sent SurlyBonds template letter to get defaults removed to Birmingham Midshires 27/08/06

DEFAULTS REMOVED 5/09/06.
THATS 9 DAYS LATER, YES 9 DAYS

 

 

 

 

 

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Hiya Thunderpuss2k, just checking your thread which I've been watching with interest and wondered if you had any news on your Early Redemption Penalty claim yet?

Igroup - S.A.R - (Subject Access Request) sent 07/08 - not signed for so second sent 24/08 prelim sent 03/10 LBA prepared for Wednesday (if I can get my blinking printer working!!)

Gmac - S.A.R - (Subject Access Request) sent 07/08 - reply rec. 31/08 prelim sent 03/10 LBA prepared for Weds (subject to printer playing nicely!!)

Lloyds bank account - S.A.R - (Subject Access Request) sent 07/08 prelim sent 14/09 LBA sent 03/10 final go away letter received so now waiting for payday to start MCOL

Capital one V - CCA sent 07/08 - now in default

Capital one M - CCA sent 07/08 - now in default

Lloyds V - CCA sent 07/08 - info provided so now to S.A.R - (Subject Access Request)

Lloyds M - CCA sent 07/08 - info provided so now to SAR

Capquest/Citicards - CCA sent 07/08 - now in default

Cabot/Monument - CCA sent 07/08 - now in default

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No news apart from their final decision to not repay me the money. Now that the cheque they sent me for penalty charges has cleared, I've put in a claim for the redemption charge this morning, which should be dealt with on Monday by the court.

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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I don't want to gloat BUT I WILL. Had a letter today off BM they have removed my 3 defaults. That took only 9 days from asking/telling/legal stuff etc.

 

Now then on to the ERC as BM seem to be buckling at the knees got them on the run :p

 

Lizzy

 

Halifax

Sent LBA
27/6/06

Been on hol for a week, got home found letter from them dated
27/6/06 offer of £92 claiming £1155.10 so no deal.

Filed claim with Moneyclaim 12/07/06

Halifax acknowledged claim 25/7/06

Court papers received 28/7/06 Halifax intend to defend.

HALIFAX SETTLED IN FULL 1/8/06

Donation made

Birmingham Midshire (mortgage charges) Prelim letter sent 2nd Aug 2006, full offer received 11th Aug with conditions.

13th Aug accepted offer unconditionally.

BIRMINGHAM MIDSHIRES (MORTGAGE) SETTLED IN FULL 24/8/06

Sent SurlyBonds template letter to get defaults removed to Birmingham Midshires 27/08/06

DEFAULTS REMOVED 5/09/06.
THATS 9 DAYS LATER, YES 9 DAYS

 

 

 

 

 

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Just a quick update - although not a very exciting one. BM have acknowledged the claim, and they (or rather HBOS plc) intend to defend all of it.

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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they have till the 24th to respond to mine-how close to the deadline did they come with you TP?

 

Quite quick actually, few days after they were served.

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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Good luck Thunderpuss - mine with SPML is being contested also...the clock is ticking!

 

;)

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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I'm guessing BM have the same legal team as Halifax. Acknowledgement signed A O'brien?

 

I made my claim 4th Aug, Acknowledged with intent to defend on 9th, deemed served on 12th, Letter stating would payout 6th Sept, cheque received 9th.

 

So it shouldn't be too long for you

 

All the best

 

Zoot

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  • 3 weeks later...

Letter this morning from HBOS. The usual 'you agreed to be bound by the terms of the mortgage, we believe the ERC is legal and right, etc'.

 

To cut a long story short.. without admission of liability they're willing to refund £4388.36 of the ERC, £291.56 in interest and £120 court fee - total £4799.92. Cheque should be with me within the next five days. OK so I lose out on nearly £33 of daily interest, but what the hell. :)

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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Letter this morning from HBOS. The usual 'you agreed to be bound by the terms of the mortgage, we believe the ERC is legal and right, etc'.

 

To cut a long story short.. without admission of liability they're willing to refund £4388.36 of the ERC, £291.56 in interest and £120 court fee - total £4799.92. Cheque should be with me within the next five days. OK so I lose out on nearly £33 of daily interest, but what the hell. :)

 

This is a good day all round for ERC's well done.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Fantastic news!

 

Another success they're coming thick and fast and long may it continue!

 

I'll arrange for your title to be changed and don't forget to fill out the survey.

 

Enjoy your payout

 

All the best

 

Zoot

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Great news Thunderpuss.Just waiting to see if they pay me my ERC before i go on holiday next week. Enjoy.

 

Uk...

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Congratulations :-D :-D I'm soooooooo pleased for you, well done.

 

Halifax

Sent LBA
27/6/06

Been on hol for a week, got home found letter from them dated
27/6/06 offer of £92 claiming £1155.10 so no deal.

Filed claim with Moneyclaim 12/07/06

Halifax acknowledged claim 25/7/06

Court papers received 28/7/06 Halifax intend to defend.

HALIFAX SETTLED IN FULL 1/8/06

Donation made

Birmingham Midshire (mortgage charges) Prelim letter sent 2nd Aug 2006, full offer received 11th Aug with conditions.

13th Aug accepted offer unconditionally.

BIRMINGHAM MIDSHIRES (MORTGAGE) SETTLED IN FULL 24/8/06

Sent SurlyBonds template letter to get defaults removed to Birmingham Midshires 27/08/06

DEFAULTS REMOVED 5/09/06.
THATS 9 DAYS LATER, YES 9 DAYS

 

 

 

 

 

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