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    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
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Paid F+F to CL on GE Edge card debt - now won't remove default


Melbel
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why not just call the number withholding your own and see who answers "Hello its Mr Peter Smith you left a message on my phone earlier who are you" get the drift, but don't give any details as they are probably phishing

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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could be Optima Legal

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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just rang it - "offices are now closed open mon-fri 8am-7pm" but no mention of who the company is, obviously don't want you to know

 

I don't agree, they've left their number, hardly the tactics of a company trading anonymously. DCA's are usually in your face.

I reside in Dawlish Warren but am not a rabbit.

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Yes you are correct, it was Abdul from the Lewis Group....

Who Calls me updated:

http://whocallsme.com/Phone-Number.aspx/01274853850#pGjdsQQcjUwBGdAjMP-bB7A

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hiya all.

 

Sorry i couldnt reply properly before - was in here on my phone.

 

I did call them back and was gonna hang up but was on hold for yonks so gave in and thought i'd ask here.

 

I do have a live account with Lewis group - no problems, been paying them by standing order for months. I wont be contacting them anyway. Thay can write to me if it's so important

 

Thanks all

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  • 7 months later...

Hi all

 

Yet another situation to pick your brains over.

 

I have a small debt which has resulted in yet another lovely default on Credit Report.

 

I am paying and have been paying the token £1 per month for quite a while now.

 

They have asked me if i can up the payment to £1.20 (which i can)

but then i got thinking, maybe i should just offer them percentage and settle the debt on the understanding they remove the default.

 

Ok - so i only owe £132, from what i've read on here, 15% is the going rate for settlements however £19.80 doesnt seem a lot to get them to settle this debt.

 

Should i go up higher or stick to the 15 %???

 

Thanks in advance... :cool:

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It is with a DCA, i have been paying them the £1.

 

The OC issued the default against me.

 

 

Hi Mebel

 

If the debt is with the OC [ original creditor ] then you could try & offer 50% of the debut on condition they remove the default from your credit file.Might be worth a try, as my old grandma used to say ... " if you don't ask, you don't get".

 

good luck

 

Middxx

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Unless they are going to wipe your CF you aren't going to gain anything.

so make sure they agree to this in exchange for 2 years worth of payments, £24 if they refuse send another letter offering £20 :D

Having said you won't gain at least you won't have the aggro of making the payment every month.

good luck

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Hiya Middxx

 

The debt is now with the DCA, it has been for a couple of years i think.

 

I could stretch to 50% but will start lower to give myself haggling space. from what ive read in here 5-15% is the going rate but that's probably for much bigger debts. i was just wondering what would be a decent starting point...:)

 

Hardup, thats what i'm going to do then.. do i ask for it in writing before i pay (the wiping of the CRA)?

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have you made sure they agreement is enforceable?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I Havent even done that dx i thought as its small maybe i should just get it out the way.

 

Do you mean check its enforcability and perhaps use that as a bargaining tool??

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Yes that is what DX means, sorry I always presume this has been done.

But in my opinion if you can be rid for £24 then all the letter writing postage and ink is saved on but its your call,

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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  • 1 month later...

Update

 

I have received my CCA from them, its got a company called Edge as the heading. It is also titiled ''credit Card agreement'' even though this was finance in a shop for stereo equipment and the original Creditor is CL Finance.

 

It has my signature etc and looks ok.

 

I have no Default Notice

 

Now, I am going to make them an F&F offer to remove the default. On the baisi they have the agreement should i offer 15% bearing in mind this would only equate to £19.65?

Edited by Melbel
mistake
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Upon closer inspection, it appears the cca could be unenforceable.

 

There is no credit limit (even though they mention changing it from time to time)

The paperwork has highlighted bits missing where they are supposed to fill in info such as my address, interest charges etc..

 

CL finance have defaulted me and sent me the CCA although the agreement was between me and GE money.

 

I think I will point out the flaws in the agreement along with a 15% offer

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  • 10 months later...

Morning Caggers

 

I had a small debt worth around £122 with CL Finance which was being pursued by the Lewis Group.

 

To cut a long story short, I CCA'd them and told them the agreement was unenforceable and offered them a percentage in F&F settlement to remove the default and close the account.

 

They disagreed the CCA was unenforceable (surprise surprise) but agreed to the F&F settlement.

 

Great, so I pay the percentage as promised on the last week in April. Checked my credit file yesterday and they have removed the percentage off the debt but not settled the account!!!

 

Obviously I need to write to them but I was wondering is there a standard letter or wording I could use and also, what do I threaten them with??

 

Is this a common thing with DCA's and how long should my file have taken for it to show as settled?? I noticed it had been updated on the 26/5/11 so Im assuming the 'settled' should have easily showed by now?

 

thanks

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