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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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    • 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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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am feeling v v stressed with all of my debt at the mo and have run out of steam, any advice really really appreciated. just got so much to deal with all on my own and feeling v lost!!! its mbna and capital one mainly at the mo.....capital one have just disappeared and im not sure what i should be doing there? mbna as below....

 

i have my mbna cca and would like to get this posted up here, how do i do this as is scanned from my work email so need to also edit my details?

 

and just to add to everything else, i spoke to my phone provider today asking them to block an 0161 number which apparently is robinsons? assuming they are a dca, i have no idea who they are representing, anyway asked for this no to be blocked as they keep on calling every single day. provider said no, this wasnt possible. any ideas please?

 

thanks

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Depending on who your phone supplier is, you are entitled to a change of number once a year free of charge (pain in the a**e i know). Failing this don't answer any security questions if a dca phones you and tell them to do everything in writing only.

Andy...

 

 

 

 

 

 

 

 

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i have my mbna cca and would like to get this posted up here, how do i do this as is scanned from my work email so need to also edit my details?
Open it with 'Paint' and blackout personal details then save as a jpeg file... rename it so as not to delete the original. Then upload it to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & copy and paste the URL back here.
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Hi,

Here is a photobucket how to I stole:

 

It seems tricky at first, but is fairly simple really.

 

1, Scan your DCA letter/whatever you want to show on the forum.

Ideal setting is 100dpi as it's closest to computer monitor display resolution.

 

2, Save the scanned image as a jpeg

Step 2.5 Edit out any personal information, barcodes or any other comments, notes or markings around the edge of the document. Never change the original document you received

2.5, Load the saved image into MS Paint. (comes free with Windows.) Use the pain brush or spray can to remove/paint over any personal info, such as name, account number, address, etc. Also remove any barcodes, as some DCAs may be able to identify you from these.

 

3, Create an account on Photobucket.

 

4, Once you have a Photobucket account, you'll find on the main webpage little box where you can upload photos. Click the "upload image" box and then tell it where on your hard disk you saved your scanned jpeg. It will then upload the image to Photobucket and it will show you thumbnails of the images you have uploaded. Under each image there are links that you can copy and paste.

 

5, Copy the IMG link below the image you want to put on the forum. Then reply to thread on CAG. Right click with the mouse and select "paste" from the little menu that pops up.

 

6, You'll then get some text appear in your message that looks a bit like this.

 

imagename.jpg{\IMG

 

When you submit the reply, the text will change into the image you uploaded onto photobucket. The text you copied and pasted is just the information the forum needs, so it knows where to find your photo and display it in your message.

 

 

Courtesy of Fuzzybobble

 

 

 

When anyone phones, all you do is refuse to answer any security questions and state quite firmly, "IN WRITING ONLY" then hang up.

here is a telephone harassment letter as well>

 

Harassment by telephone - Consumer Wiki

 

Never sign anything, just print your name and send all letters by recorded delivery.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If its a mobile phone get another sim if its BT block it with choose to refuse i think virgin also do a similar feature to choose to refuse.

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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thanks everyone, will try all of the above.

 

re virign, theyve just said nope, cant be done and i cant change my no at the mo as have got loads going on....think i may just answer tomorrow and say to dca,send me in writing,bye!!

 

re capital one, should i still be paying the token £1 payments even tho ive not heard back from them yet?

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also, i did have ppi with mbna (am going to send them a claiming charges back letter soon too!!!) and then i cancelled it back in 08, anyone up to speed with this and if so what letter should i now send them. i will get the cca up here tomorrow as my pc keeps crashing!!! grrrr...nite all from a very drained in debt person....xxxx

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I'm afraid it's an online agreement which includes a 'tick box' which is deemed as an electronic signature & would be deemed as enforceable. However, I notice that it includes PPI which you are able to reclaim, along with any unfair charges they may have made since you opened this a/c. This should help reduce the amount owed.

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thank you. thats a real shame re mbna, so the fact that my actual written signature doesnt appear means its ok? ive tried writing to them so many times to try and arrange a payment plan but theyre not having it, dont know what else to do?

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