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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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MBNA/link - Judgement awarded against me - can't pay!


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Hi. I have received a court claim from Link, for an old MBNA account.

 

 

Ages ago I asked to see a copy of my credit agreement etc and they sent me, after months of waiting,

a crappy photocopy of something which says credit agreement on it.

 

They also sent me a letter stating they are charging me £102 for litigation fees, which they are required to do by law.

 

I guess as they have 'proved' the debt then I would be wasting my time trying to argue with them?

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Who says they've proved anything.

 

You will need to scan and post up here copies of any documents you have received plus the Particulars of Claim on the Summons you received in order for an opinion to be properly expressed. Make sure you remove personal identifyers from anything you post.

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Your scans beat me to it!!

 

If that is all they have provided they don't have much to go on.

 

You will need to send off your Acknowledgement of Service to the court within the deadline otherwise they will get judgement by default.

 

To give yourself more time - defend in full. You can change your mind later if your later decide that is a better course of action.

 

Then, if you have not already done so, send a Subject Access Request to the original creditor (MBNA) with the payment of £10.

 

To the solicitors who issued the claim a CPR 31.14 for copies of the documentation they are going to rely on in court. (no payment required here).

 

Send everything Recorded Delivery and do not sign with your regular signature.

 

No doubt others will be along shortly with further advice and pointers.

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Hi. I have received a court claim from Link, for an old MBNA account. Ages ago I asked to see a copy of my credit agreement etc and they sent me, after months of waiting, a crappy photocopy of something which says credit agreement on it.

 

They also sent me a letter stating they are charging me £102 for litigation fees, which they are required to do by law.

 

I guess as they have 'proved' the debt then I would be wasting my time trying to argue with them?

 

Astonished, that Link appear to have proceeded to Court action on the basis of the torn off slip or form as posted up by joan of arc!

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Most such actions are won by DCA's by default. So even if a piece of toilet paper was presented as 'evidence' they would still win the majority of cases because they go through undefended.

 

Must be a good business ripping off the unwary as they do. Locally I know of several who have received summonses and just torn them up and thrown them away. Stupid but it does happen!

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Most such actions are won by DCA's by default. So even if a piece of toilet paper was presented as 'evidence' they would still win the majority of cases because they go through undefended.

 

Must be a good business ripping off the unwary as they do. Locally I know of several who have received summonses and just torn them up and thrown them away. Stupid but it does happen!

 

Yes, am aware of that fact...very sad:(

 

Hopefully, the original poster will return for further advice!

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  • 2 weeks later...
  • 1 month later...

Hi. I've posted on here before, but not for a while.

 

I have had judgement awarded against me in favour of a debt owed to Link.

The judgement is for the full amount, which I can't pay, and which is how all this started in the first place!

 

I phoned them up (withheld my number) and told them I couldn't pay it.

They said no worry, we'll send you a form to make an offer of payment.

 

Well, a week ago a form came but from the Court in Northampton, not from Link.

It's an N245 form, and says I have to pay the court £35 just to make an offer!

 

Am I going about this the wrong way?

 

 

All I want to do is offer Link an affordable monthly amount.

I don't recall that a fee is necessary from past experience,

but don't have the details of my previous case available

(my old posts on here seem to have vanished).

Can anyone advise? :confused:

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Hi joan, I'm sorry to see you back with a question, bu it's also good to see you back, if that makes sense!

I believe you need to apply for a redetermination hearing to try an arrange affordable repayments. If you are on benefits etc you may not have to pay.

How is the writing going?

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Hi cymruambyth, nice that you remembered me :)

 

 

The writing is going OK,

slow but sure and certainly isn't going to make me rich anytime soon!

 

 

I decided not to fight this one in court after last year's fiasco which was one of the most stressful experiences I've ever had to endure.

 

 

I would advise anyone to NEVER represent themselves in court.

It's like going to a foreign country without speaking the language and being expected to barter in their local dialect.

 

 

The entire justice system needs an overhaul,

 

 

in 2010 it is unacceptable that courts, judges and barristers are allowed to talk in a completely foreign language

to normal laymen in order to exclude us and thus maintain their superiority over us.

And of course I'll be putting it all in a book at some point.

 

 

A word beginning with "W" sums up the lot of them.

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Hi Joan I hope you are well (see you have not lost your sense of humor)

 

The N245 is the correct procedure and yes it does cost you £35.This is your redetermination application and if successful counters any application for a charging Order in the future, should you fail to maintain agreed payments set by the redetermination then the Claimant may use the option of a CO.

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy, many thanks I'm sending it off tomorrow :)

 

Then next week I'm going to spend a day claiming from all the credit card companies for unlawful charges. Got the back copy statements ready...

Great to hear you are fighting back Joan :) I remember your case and how stressful it was for you - glad to hear you feeling better, now.

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Don't forget to charge them interest.

 

Hi Andy, many thanks I'm sending it off tomorrow :)

 

Then next week I'm going to spend a day claiming from all the credit card companies for unlawful charges. Got the back copy statements ready...

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  • 2 weeks later...

Sigh...confused again!

I have sent off the N245 to the court, with the fee enclosed, so I'm now waiting for that offer of £10 a month to be accepted or rejected by Link. :-|

 

However, yesterday both me and my husband (who has nothing to do with the debt - it predates our meeting)

received scary looking big envelopes from Link. :-(

 

 

Opening them we found pretty much identical contents, as follows:

 

 

  • letter stating that an 'Interim Order' was obtained by Link against my interest in our jointly owned house.
  • copy of the order
  • copy of an application for a Charging Order

The decision on the charging order is to be made at Cardiff County Court on 8th October.

I have to register any objections to the Charging Order before then.

I also have 7 days from date of service (?) to apply to set aside or vary the interim order.

 

 

It also says I can have the hearing in my County Court if I apply in writing to the Cardiff Court.

 

I'm not sure what objections I can raise against the Charging Order.

 

I don't want to go to Cardiff so I will have to apply for a transfer to Sheffield. Is this free?

 

Is it worth applying for 'set aside', whatever that is?

 

 

I have 7 days from date of service.

 

 

The date on the letters is 19th August and they arrived yesterday (25th).

 

Given that I have sent a payment offer to the court,

doesn't that put everything on hold until the offer has been agreed or rejected?:-?

 

I really want to avoid a charge on the property.

 

 

It will be the second one,

having lost to Lloyds TSB last year!:-(

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Incidentally, I can't fathom this new layout. How do I quickly find my own hreads without searching the forums?

 

Go to the top of a page, look for 'My profile' and click it, look to the left of the page that opens, under your username, it has :

Find all posts

View Articles

Find all started threads

 

HTH

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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I put all this aside for the BH weekend, but I need to do something to try and head off the threat of a charge on the house. What kind of things are a defence against one being awarded, or is it a foregone conclusion? :)

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You can defend it quite easily, it is prejudicial to your other creditors, is unfair as it turns an unsecured loan and the penalties of an unsecured loan into a secured one and the case has little merit as you are defending the initial CCJ. I will be around later this evening to offer some advice but it is NOT a foregone conclusion.

 

The OFT have also stated that charging orders for unsecured loans are against the guidelines for debt collecting practice and the government itself doesn't want charging orders for loans under £25,000.

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Hi Sillygirl. :) Thanks for that info. I've had a look at the sticky thread about charging orders

and it seems maybe I could also argue that it is prejudicial against my husband,

who has no part in this debt, but is the mortgage payer and joint owner of the property.

 

I have sent off a N245 to their court,

with offer of instalment payment,

but am still waiting for a response.

If they accept my offer, doesn't this also set aside the charging order? :confused:

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