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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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Been Made An Offer


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Got a letter from those lovely people at Cobbetts this morning basically saying although there charges are fair blah blah and how they consider my challenge in court would fail they are offering me a goodwill gesture of £600, about half of what I'm claiming for. :rolleyes:

 

I'm at the stage where we have both submitted our Court Allocation Questionaire and are waiting for a date.

 

I've not read about them making offers at this stage before so is this normal. Do I just send them a letter back saying thanks but no thanks, Im pursuing for all of it? :confused:

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they have done the same for me.. its their usual tactics, I am sending them this letter as we speak:

 

Dear Sirs,

 

Many thanks for your letter dated 15th August 2006 in which you state that you believe my challenges to Nat west would fail in Court. Unfortunately I have to beg to differ on this belief especially as Natwest have refused to defend so many other similar cases instead settling fully out of court. Therefore I and am happy to continue to proceed with this matter to press for a full refund of the charges.

 

I am very grateful of your interim payment of £XXXof the full amount and look forward to receiving a bankers draft for this.

 

I am however unwilling to agree to the specific terms and conditions you have added to this namely:

 

1 Not to disclose to any third party the fact of, or any details relating to, this payment;

2 Withdraw my claim

3 That this payment of £650 is a full and final settlement of the claim

 

However once settlement of the full amount of claim is received I may be willing to renegotiate those terms. I would however suggest that A non- disclosure agreement would add further costs for Natwest to the final settlement.

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.co.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim your rights as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

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I have also had an offer at this point. Sent a "no thanks" letter about 2 weeks ago, haven't heard a thing since ... getting a tad worried, but i'm sure everything will be ok!

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Guest NATTIE

that the interim payment is a partial acceptance and they can take that bit off claim and see them in court for the rest of it

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that the interim payment is a partial acceptance and they can take that bit off claim and see them in court for the rest of it

 

Thanks very much. Do you know if there is a template letter at all for this coz I'm carp at writing letters or will this do?

 

Dear Sir/Madam,

Case number: Blah blah

 

Thank you for your letter dated 15th August 2006.

 

I accept your offer of £600 but as an interim payment only as I still intend to pursue for the rest of my claim through the courts.

I am also unwilling to agree to the specific terms and conditions you have added to this namely:

 

1. Not to disclose to any third party the fact of, or any details relating to, this payment;

2. Withdraw my claim

3. That this payment of £600 is a full and final settlement of the claim

 

However once settlement of the full amount of claim is received I may be willing to renegotiate those terms.

 

Your faithfully

 

Southernscouser

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blummin eck

 

seems to be a lot of offers being made ... wonder where mine is?

 

as a rule are the offers being made after AQ submissions by both parties? ... how long after?

 

the courts AQ had to be in today!!!

Nat West, * WON *, 10/2006, £1287

A & L, * WON *, 11/2006, £188

Donation Made to Site

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Can anyone please tell me if this letter is suitable? I really don't wanna mess things up at this stage! :o

 

Thanks very much. Do you know if there is a template letter at all for this coz I'm carp at writing letters or will this do?

 

Dear Sir/Madam,

 

Case number: Blah blah

 

Thank you for your letter dated 15th August 2006.

 

I accept your offer of £600 but as an interim payment only as I still intend to pursue for the rest of my claim through the courts.

 

I am also unwilling to agree to the specific terms and conditions you have added to this namely:

 

1. Not to disclose to any third party the fact of, or any details relating to, this payment;

2. Withdraw my claim

3. That this payment of £600 is a full and final settlement of the claim

 

However once settlement of the full amount of claim is received I may be willing to renegotiate those terms.

 

Your faithfully

 

Southernscouser

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Can anyone please tell me if this letter is suitable? I really don't wanna mess things up at this stage! :o

 

How about - something along these lines -

 

Thankyou for to your letter dated xxxxxxx

 

I am prepared to acceted your offer of xxxx in partial settlement of my claim of xxxx. However I will continue to pursue the remaining monetary value of xxxx. I would expect this to be settled in full unconditionally by XXXXXX (date). If however you feel that this is a matter that needs settling before a district judge then I am fully prepared and willing to present my particulars of claim and all relevant disclosure documents and supporting legislation in xxxxx court, and would expect expect you to provide full disclosure of the true cost of your charges and the reasons behind your requesting myself to keep settlement to myself to the judge.

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

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