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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • 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.  
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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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Death of spouse and credit card debts?


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May I ask advice on this issue which I know nothing about. To do with married couple and one dies.

 

If a wife or husband dies and the deceased had his / her name only on a credit card / agreement then what happens to the debt outstanding?

 

Does the surviving spouse have to pay? Does any debt outstanding on the card come out of a joint account? What is the property (home) was in the name of both of them and what if the ownership of property (ie deeds - no mortgage) was in mae of the deceased who had outstanding debts?

 

From my experience with their letters etc I presume the credit card companies don't simply say ' sorry for your bereavement we'll write the debt off?)

 

Advice on this particularly grateful due to v recent bereavement in family.

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May I ask advice on this issue which I know nothing about. To do with married couple and one dies.

 

If a wife or husband dies and the deceased had his / her name only on a credit card / agreement then what happens to the debt outstanding?

 

Does the surviving spouse have to pay? No... Does any debt outstanding on the card come out of a joint account? Only if they know about it... What is the property (home) was in the name of both of them and what if the ownership of property (ie deeds - no mortgage) was in mae of the deceased who had outstanding debts? The executor of the estate normally sorts out any outstanding accounts but to be honest, I would be inclined to write to the credit card companies and say that the person has passed away. The may want to see a copy of the death certificate.... bu they're not entitled to any other info. at this point. Just see what they do after that but don't talk to anyone on the phone or they will try and get info. out of the surviving spouse.

 

From my experience with their letters etc I presume the credit card companies don't simply say ' sorry for your bereavement we'll write the debt off?)

 

Depends on which company it is and the amount of the debt in question.

 

Advice on this particularly grateful due to v recent bereavement in family.

 

I'm very sorry for your loss.... and am a little rusty in this area but creditors cannot sue a deceased person as such. What they can do however, is to try and make a claim against the estate... if they know there's any money floating about.... which is why I said not to talk to anyone on the phone.

 

At this point, I would just write to each one and inform them that the person has passed away and take things from there according to the responses you get. If they try to get you on the phone, just say that you're not up to talking abou things at present and need them to corespond in writing only. In fact, put this in the same letter to each creditor. It may be worth sending each letter off by rec. delivery as well... so that you know they've received it.

 

:)

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Hi wtwt

Sorry to hear of your bereavement

As far as I'm aware a "Debt" is a personal thing unless the original account was taken out in joint names eg

Mrs Revenant opens a credit card account and falls off her broom from a great height breaking her rather substantial neck the debt goes with her

If I was mug enough to have signed up to that account as well then I would deserve to be chased for the debt

Hope that gives a slightly light hearted explanation of what I think but of course more info will follow

Good luck

R

ps . . There's no Mrs Revenant just in case any thinks I'm being nasty ;)

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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The replies come in quicker than you think

I didn't realise that a debt could be chased via the deceased Estate so didn't mean to mislead in my original post

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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  • 4 years later...

papillon, I will start a new thread for you - you have tacked onto the end of an ancient thread.. will put a link back here for you and also send you one via private message.

 

SG, will move your post over as well.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?434259-Spouse-died-Unsecured-debts-being-pursued-by-Collection-Agents

 

^^^^^^^^^^ New thread started for Papillon7

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I would imagine that someone newly bereaved may well find Revenant's broomstick / broken neck post highly distressing. Moreover it doesn't offer anything useful to this sensitive topic. Would it not be better to delete it rather than let it upset people searching for guidance?

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That post has been around since 2010 oleg and is actually directed at revenant himself.. !!

 

Thread closed to avoid further additions on an ancient thread.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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