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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Poundstillpayday excessive default charge.


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Hi.

 

After numerous harrassing phone calls from PTP at home, work, mobile and to my landlords, I have finally received a letter from Clarity, however it still includes a default charge.

 

My last loan with them was for £500.00, repayable at £650.00.

 

Having been stuck in this loop for 9 months, losing a large chunk of my monthly salary to the £150.00 charges I decided enough was enough and stopped paying at which point a £58.00 default charge was applied.

 

Anyhoo, Clarity sent me out a "Notice of Instruction" requesting payment etc.

 

Unfortunately due to the loss of my parners employment and ill health, I have had to enter into a Debt Management Plan with CCCS, therefore I will be including Clarity in this plan.

 

My point is, I am of the understanding that this £58.00 default charge is way over the top, however before I place the PTP/Clarity debt into the Debt Management Plan, I would like to know the regulations that I could quote to Clarity stating such.

 

Any help on this would be appreciated.

 

Best Regards.

 

Derek

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Like bank charges they would have to justify to a judge - I would get clarity to remove this from their balance. Tell them that if they don't that you will see them in court, however if they agree they will be getting regular payments. Clarity offered me a 25 per cent discount for early settlement so they can afford to deduct this charge.

 

Best of luck

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Hi,

 

Just received the following response from Clarity after having asked them to remove the £58.00 excessive charge.

 

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

Derek,

 

Thank you fro your email. Please refer to Pounds Till Payday terms and conditions. Full payment of £708.90 is now due. Please email or call our offices to discuss the matter further. The number is 08445611715 and open until 8pm.

 

Kind Regards

 

NAME

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

 

What act covers excessive unfair charges?

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Hi,

 

Just received the following response from Clarity after having asked them to remove the £58.00 excessive charge.

 

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

Derek,

 

Thank you fro your email. Please refer to Pounds Till Payday terms and conditions. Full payment of £708.90 is now due. Please email or call our offices to discuss the matter further. The number is 08445611715 and open until 8pm.

 

Kind Regards

 

NAME

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

 

What act covers excessive unfair charges?

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They were always likely to try and resist to start off with. I believe that the charges are considered to be an unfair contract condition, ie penalty charges are unlawful.

 

Two ways of dealing in my opinion.

 

1. Refuse to come to an a payment arrangement until they remove charge

2. Agree monthly repayments (they do accept quite low figures) but make it clear that you will not pay the charge and that they will have to go through the courts for it (they wouldn't dare!!)

 

Best of luck.

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I got a reply from this, which is as follows:

 

Dear Sir.

 

We note your comments.

 

Would you be in a position to repay £567.00 at this time.

 

Yours Sincerely

 

XYZ.

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They have missed your point. Shows how much discount they can afford to give. Restate your offer of so much per month but point out you are not paying the charge. By all means if you can afford their settlement offer than you can accept.

Most importantly only pay what you can afford.

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hi i don't know if i'm in a right thread. i do have a loan in ptp as well and i am struggling. I have received a phone call today a i missed the payment. they won't acknowledge my offer and the one i've spoken to accuse me as well of terminating the call.(which is a complete lie)My concern is they said my offer won't be acknowledge unless i'm on debt management plan, which is i'm not at the moment. they gave me another 30days to settle the amount including the charges. Any advice on this as i cant still afford to pay them next month.

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