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    • Many thanks for the replies and advice!   I what to send this email to the Starbucks CEO and the area manager. Your thoughts would be appreciated.   [email protected] [email protected]   Re: MET Parking PNC at your Starbucks Southgate site   Dear Ms Rayner, / Dear Heather Christie,   I have received a Notice to Keeper regarding a Parking Charge Notice of £100 for the driver parking in the Southgate Park Car Park, otherwise infamously known as the Stanstead Starbucks/McDonalds car park(s).   Issued by: MET Parking Services Ltd Parking Charge Notice Number: XXXXXXXXX Vehicle Registration Number: XXXX XXX Date of Contravention: XX.XX.XXXX Time: XX:XX - XX:XX   After a little research it apears that the driver is not alone in being caught in what is commonly described as a scam, and has featured in the national press and on the mainstream television.   It is a shame that the reputation of Starbucks is being tarnished by this, with your customers leaving the lowest possible reviews on Trustpilot and Trip Advisor at this location, and to be associated with what on the face of it appears to be a doubious and predatory car park management company.   In this instance, during the early hours of the morning the driver required a coffee and parked up outside Starbucks with the intention of purchasing one from yourselves. Unfortunately, you were closed so the driver walked to McDonalds next door and ordered a coffee, and for this I have received the Notice to Keeper.   It is claimed that the car park is two separate car parks (Starbucks/McDonalds). However, there is no barrier or road markings to identity a boundary, and the signage in the car park(s) and outside your property is ambiguous, as such the terms would most likely be deemed unfair and unenforcable under the Consumer Rights Act 2015.   I understand that Starbucks-Euro Garages neither operate or benefit from the charges imposed by MET Parking. However, MET Parking is your client.   Additionally, I understand that the charge amount of £100 had previously been upheld in court due to a ‘legitimate interest in making sure that a car park was run as efficiently as possible to benefit other drivers as well as the local stores, keeping cars from overstaying’.   However, this is not applicable when the shop or store is closed (as was the case here), as there is no legitimate interest. Therefore, the amount demanded is a penalty and is punitive, again contravening the Consumer Rights Act 2015.   As the driver’s intention of the visit was genuine, I would be grateful if you could please instruct your client to cancel this Notice to Keeper/Parking Charge Notice.   Kind regards
    • I received the promised call back from the Saga man today who informed me that the undertakers have decreed it IS a modification and they will need to recalculate a quote individually for me. However it all sounds very arbitrary. The more I think about it, and with help from forum replies, the more I am sure that it is not a modification. If for example the original seatback had become damaged by a spillage or a tear, I would be entitled to replace it with the nearest available part. The problem is when it comes to a payout after an accident, there is no telling what an individual insurer will decide when he notices the change. I am still undecided which of the two best routes to go with, either don't mention the replacement at all, or fill in the quote form without mentioning, and when it comes to buying the insurance over the phone, mention it at the time.
    • Please post up their letter so we understand what they've asked. You need to cover up your name and address and their reference number. HB
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Have Payday Loan of £500 - Now cant pay - what now? advices please


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Have £500 of payday loans due on 30 Dec. They hold several cheques totalling £500(or have passed them on to a third party or Head Office).

 

Due to change in employment Cannot continue with them or afford to pay them the £60 to roll over for another month. - at whatever interest rate it is!!

 

Will they bank the cheques they hold ( then my bank will bounce them or pay them as guaranteed by cheque card ) - what alternatives are there?

What do you think they will do or offer. any ideas?

 

anyone know? your advices much appreciated.

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Have payday loan of £500 due next week at ....% interest!(too high to mention - but needed funds at the time) - now circumstances have changed.

 

Will they still bank the 4 cheques totalling £500 which they hold with my cheque guarantee details on back - or how do they deal with people who dont pay.

 

Any advices would be appreciated - just need to be prepared on how to deal with them and my bank.

 

Many thanks and

 

Happy Christmas:)

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Hi Pathway and Happy Christmas to you too :)

 

There is a thread here that may give you some ideas :-

 

http://www.consumeractiongroup.co.uk/forum/payday-loans/172652-payday-loans.html

 

My first thoughts are that you should write to them, not phone them and explain the sitiuation. I think that you should also cancel any cheque's that are still outstanding so you don't incur any bank charges at least.

 

Lex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hey anyone know how these guys deal with things?

 

I cant cancel the cheques because they have written cheque guarantee card details on back?

 

Any advices greatly appreciated!

 

Got to deal with it by Monday !

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Hi

 

I think you can carry these loans forward if you pay the interest before your due date. As mentioned above it would be good to speak with them since they may be able to help. Do not just do nothing since you will then have bank charges for the bounced cheques and Payday Loans will also charge you for the same, plus they may re-present them and you will then get done x2.

 

It is tough but you must call them and come to an arrangement.

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Hi Pathway,

 

Even with your card details on the cheques you can still 'stop' them by phoning the bank with the cheque numbers.

 

I would adivse that you contact them by email as it is getting close to time.

 

Lex

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This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I had a similar experience once and tried to stop the cheques, but because they were guaranteed the bank still tried to cash them Usually you can replace the cheques with fresh cheques dated for a month later for a fee. This is how I got into the vicious circle of payday loans - get out as soon as you can!! My cheques bounced and got sent to a DCA, which I then paid off monthly.

Debt Managers (Barclaycard) £7150 - CCA sent - poor photcopy of app form - they rtnd acct to BC. Then Robinson Way come on scene - sent packing straight away. Will they try a third attempt????? :) Yes they did, roll on Westcot, told them were to stuff it. Not heard anything since but Lowell Financial have been searching my credit file. Round 4, ding a ling ling!!:D Now Crapquest on the scene - bought the debt and want the balance... don't think so 8)

 

Equidebt (Co-Operative Visa) £6800 - CCA sent in June - no response still!! Was Ex-Northern Rock card so probably lost. Equidebt have now agreed to write off and remove credit ref listing completely!!! :lol:

 

 

Robinson Way (Abbey) - debt sold to RW £1840 - await letter from them....cant CCA as bank account.... agreed to settle for £368 :-D

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best advice i can give is speak to them and explain the situation

tell them to hold the account for another month and you will send a cheque to cover a months interest.

they should be ok on this being these payday people are money hungry.

do it first thing in the morning, but do speak to them,

ask them not to bank your cheques as they will be returned.

 

update your thread on there reply as the last thing you need are charges for returned cheques.

 

if they dont play ball, we will see on getting the cheques stopped to avoid charges, you will need more advice on that one as stopping cheques is a gray area for which a valid reason is needed as they are a promis to pay notes

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