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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Finance u / Daniels Silverman


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Ok Guys Lets Have A Blonde Moment. LOL

1 start re-paying finance u and try to make up any short fall in arreas

2 send D silverman esq the letter on the previous post

3 apply for a subject access.etc.

Oh and to say many many thanks for all your help i know time is precious but you PEEP's remind me me that we are all human and there is still some really good ones out there present company included.

Your help would be gratefully received postggj if i have the right credentials as far as the subject access etc goes...

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can you scan the agreement into your computer

 

deleate name and account numbers, vehicle details

 

to post the agreement onto your thread

 

GOOGLE PHOTO BUCKET

Edited by postggj
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Ok i shall have to read the manual and check how to save the document in the correct size . typical bloke buy something switch it on and then read how it is supposed to be done.give me until monday evening and i shall let you know how i get on.

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There are two aims to this:

 

The Main Effort is to get you back on track complying with the court order; this will make it harder for Finance U to take further action. It will also take the clowns at Daniels Silverman out of the picture.

 

After that, we'll look at whether there's any action you can take against them.

 

In the meantime, get some rest as you realise that you can be in control of this, not them.

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Thanks i am in the process of doing the letters now and i shall mess with the scanner later. once again thankyou !!!! ishall keep you informed of any events..

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Hello everyone just a note to say i am having a problem with my printer/scanner i have a used one from work coming tomorrow so i shall scan and upload the documents you have asked for.

Letter to daniels /silverman has been sent recorded. and the letter for finance u with cheque will go in the morning as i had to double check what bits i needed to omit from it.:|:|:|

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  • 1 month later...

Hi everyone sorry its been so long . here is an update SORRY IT IS A BIT LONG WINDED!

1. i sent the letter outlining my rights to silverman and co,however they totally ignored the first letter sent recorded. i then received a letter 3 days later dated the same date as my recorded letter demanding payment in 7 days,which i ignored,i then had 2 messages on my answer machine at home asking me to contact them regarding the outstanding balance which i ignored. I then wrote another letter outling my rights but drawing their attention to the first letter,they ignored that,i had a message on my answer machine at home again i ignored that,i then got a call on my mobile at work which i answered and it was a lady from silverman and co asking when i would be making the next payment and i should make it to them and if i am struggling ( which i am at the mo but i will continue ) i should fill an expenditure form out and they could drop the payments to £50 a month if that is all i can afford.I told her my rights and i do not have to speak to them and the payments would continue to be paid to Finance u via the paying in book that i have.

Then on Sat 31/07/10 i recieved a notice of sum of arreas from Finance u showing the couple of payments that i have made and then it shows a debit of £3582.37 added to my account that is the exact amount of money that silverman had put on top of my court order.... what next Please..THANKS IN ADVANCE

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  • 3 weeks later...

Any updates on this ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin3030

Well i took it upon my self to write to Finance U asking them to explain the additional charges as i believe the finance agreement is now subject of a CCJ and they cannot add any more charges unless the judge allows this . that was sent on the 04/08/10 recorded and it has still not been collected from the post office.

Also i received notice of court action from Silverman/co asking for £20,684.00 so they have added even more interest,i also have another 2 messages over and above the ones mention in my previous post . I am doing as i was advised by keeping up the payments so the original judgement is going down ,but these people are relentless in the matter of a couple of months Finance U & Silverman have added over £5,600 to my CCJ.

I am considering writing to Grahame Humphries at Corner Park Garage and send him a copy of the letter that i mailed to his Finance U business address and asking him to get Simon to explain these additional charges.

Should i fill in the OFT complaint form on both of these company's?

I thought that this was dead as nobody has answered my previous post's

So thanks for your concern any help would be gratefully recieved....... I bet you wish you never asked now LOL

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There's no point asking Finance U to explain the additional charges - the matter is the subject of an order of the Court and you must stick to it. Don't talk to anyone on the phone - if they call, don't answer their security questions and tell them to put anything they want to say in writing.

 

Keep your own record of what you pay off the judgement amount.

 

By all means complain about both firms - contact Consumer Direct, and fill in OFT forms for both.

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Many thanks Scarletpimpernel

I have found the forms for the OFT on here. I can find the consumer direct easily enough. Just 1 silly question regarding the OFT do i leave all the sections refering to your client blank and explain that i am a lone complainant.

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It's best to avoid the term 'complaint' - OFT don't deal with complaints from consumers, bizarrely, but they will accept reports about consumer credit licence holders. You may want to make clear, in a covering note, that you aren't complaining, merely bringing these licence holders' activities to their attention.

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£5,600 added !

This is scandalous-they should not be allowed to get away with it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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