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    • An update:  Letter dated 17th May 2022   Reference:  Parking Charge Notice - xxxx   Dear Sir/Madam   We are writing in relation to the Parking Charge incurred on 4 August 2020 at 15.08 at Asda Clapham car park.     We would like to confirm that this charge has now been cancelled and there is no outstanding payment due.   Yours faithfully   Parkingeye Team   So it worked your letter from Zimbabwe - see below:   TO WHOM IT MAY CONCERN   DCBL REFERENCE NO.  INCIDENT DATE:  4th August 2020 PARKING CHARGE NOTICE NO:  VEHICLE REGISTRATION xxxxxxxx   Please note the car with Registration xxxxxxx was scrapped  and taken off the road in August 2020 when I left the country.   My brother rented the flat:  xxxxx, Battersea, London xxxxx for 2020 but has since moved to a new address.  The address you have used in Battersea, is not my address and no family member lives at that address.  It has been tenanted to someone I do not know.  Please only contact me at my Zimbabwe address, where I have been living for the last two years.   It has taken 3 months for me to receive a Final Reminder from DCLB due to the fact they sent the Final Reminder to the wrong address.   I have written to the CEO of ASDA explaining that I forgot to collect my free parking ticket whilst shopping at ASDA and that I am a loyal customer.     I do not intend to pay your charge as you are already charging over the new code of practice issued by parliament, which states you can charge £100 only otherwise any amount over that is considered a “rip off”. You are supposed to observe the law according to your agreement with BPA, furthermore it is likely you have not applied for planning permission with is also defined in the new CoP.   I suggest you drop this unnecessary case.   Please note that I live in Zimbabwe and any letters addressed to Battersea will no doubt be binned.  If you want to continue to pursue this case, then you will have to contact me at my address in Zimbabwe, but I warn you letters do take a rather lengthy time on occasion.   I look forward to hearing from you regarding the above appeal.   Yours sincerely      
    • I have done but it mentions computer typing and I don’t have one or access to one so if Its handwritten do I have to sign it or still just print my name the same 
    • My second son (not the 3rd one we have helped in the past!) was having a stag do and parked at the Saunton Sands hotel for roughly 2 hours to get to the beach.  They went through the hotel but have no proof of any purchase, even though they argued this in their appeal.  The appeal was rejected and then he went to Zimbabwe for a period of time as he has been suffering from severe anxiety.  He needed to come home and be treated.  He arrived back in the UK 10 days ago and received a "Letter Before Claim" from CST Law on 11th May 2022.   The total outstanding is £170.  Can you make any recommendations?   Smart Parking Charge Notice was dated 3 July 2021 Location:  Saunton Sands Hotel, Braunton   The Parking Charge Notice:   "Smart Parking Ltd have the right to seek payment of the parking charge for unauthorised parking of the vehicle on the land on the relevant date as owner of the land, on the basis of a contractual right to occupy or to have possession of the land, or acting as agent of the landowner.   A Parking Charge Notice (PCN) is payable with respect to the vehicle registration mark ...... for the alleged breach of advertised terms and conditions within Saunton Sands Hotel, Braunton on 3/7/21.   The signage, which is clearly displayed at he entrance to and throughout the car park, states that this is private land and the car park is managed by Smart Parking Ltd.   A Parking charge Notice of £100 is now due for payment and must b e paid before the end of the 28 days from with the date of the notice.  If the parking charge notice is paid before 28 Jul 2021the amount of the parking charge notice will be reduced to £60.  If you were not the driver of the vehicle and you wish to provide the driver details, lodge a dispute appeal or query this must be made on line or in writing.  Please follow the instructions overleaf.   Following the landmark Supreme Court ruling of Parking Eye v Beavis, it has now been established that a Parking Charge Notice issued on Private Land is enforceable.  The Court rejected claims that such charges are extravagant, exorbitant or unconscionable and advised that such charges Acta necessary deterrent of breach of contract.  A full copy of the Supreme Court Judgement can be found on line at https://wwwlsupremecourt.uk/cases/docs/uksc-2013-0280-judgement.pdf.  If you feel you have sufficient grounds to appeal this notice you will find full details of the appeals process overleaf.  If you pay the PCN you are therefore accepting full liability for the charge, and are no longer eligible to appeal this notice. Yours  Smart Parking Limited  
    • Purchased a corner unit sette a LazyBoy brand from Scs in horwich for 5 thousand pound.  Yet on Scs website much cheaper. Furthermore salesman told me made in usa.  I discovered sette are made in far east, with massive complaints from review websites nearly all claiming that qualitu doesnt match Scs showroom quality. Have not yet had sette delivered but told by Scs i will lose 25% if I cancelled now before delivery date. I just want Full refund and not to lose 1250 pounds from my 25% loss for cancelling. I hope any advive can help.
    • do you really expect us to understand things from that 2 line block of text..   explain your story properly with sentences,  punctuation and a bit more detail with dates etc please   dx  
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Moved to France - negotiating down uk debt


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Hi all,

 

Great to see this forum is still live and kicking!

 

I left the UK in June 2009 and spent the rest of the year in the US. Since Jan 2010 I have been in France and am now fully resident here (salaried, taxed, buying my first house, etc).

 

A few years ago, I had huge problems with unsecured personal loans (+PPI) from Lloyds, which I managed to pay off in full (15k!) thanks to a lot of hard work and then used a debt consolidation loan from them for the remaining credit card and overdraft. The loan was taken out in Nov 08 to pay off 4600, total amount payable at 7.1%APR is 5801. I have been paying the 69 a month since nov 08, but I still have 63 months left.

 

I also have a 1000 (autorised) overdraft and 1500 on a credit card with HSBC. My UK salary was very good, plus I could earn commission so these amounts weren't a worry back in the day and the HSBC overdraft and card were easy to obtain even with my poor credit score. I've been careful to pay the minimum back on the card every month.

 

Now, although I'm much, much happier, my income is the French min wage. I earn 1042EUR a month, and I'll be paying 670EUR for the mortgage, plus bills. And my brother and girlfriend will be living with me but aren't earning right now (both looking for work). Needless to say, things are going to be tight for the forseeable future.

 

If I'm really careful, I reckon I could save around 1500EUR before november (including selling a lot of old car spares that are gathering dust).

 

I'm not going to do a runner and avoid paying my debts, but I'm already incerdibly stretched financially without debts from my past life weighing down on me. Do you think a Full & Final offer could work in my case? How much should I offer (20,30,50%?)?

 

Thanks

 

Eli

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Have you considered reclaiming the PPI and any unfair charges from the a/cs including the one you've paid off?

Anthrax alert at debt collectors caused by box of doughnuts

 

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Have you considered reclaiming the PPI and any unfair charges from the a/cs including the one you've paid off?

 

I did try to claim back 700gbp of charges a couple of years ago from lloyds but got a letter back that all cases were frozen until the test case was over. Never did anything with the PPI though.

 

That money would come in very handy but I have a lot on the go right now work wise and shouldn't really give myself another project. For now, I would prefer to focus on negotiating a low settlement figure for the outstanding debts.

 

Should I stop making the monthly repayments, let the accounts go into default for a while and then contact them with a full & final offer? I have a French bank account and don't plan on returning to the UK for a very long time (if ever) so I'm not worried about my UK credit rating or not being able to use those accounts.

 

What do the experts think? Cheers

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I did try to claim back 700gbp of charges a couple of years ago from Lloyds but got a letter back that all cases were frozen until the test case was over. Never did anything with the PPI though.
It's not worth trying to claim unfair bank charges but you can reclaim any unfair charges on loans, credit cards + PPI + statutory interest at 8% which is quite simple now after the FSA ruling.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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