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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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1st quote took my money


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Last year i was insured with 1st quote car insurance , my policy ended in September.

I never received a new quote & to be honest i forgot it was due for renewal, i no longer have the car, but on checking my bank statement they took £59 as new monthly cover [ £22 per month last year] out of my account, i contacted them to be told its my responsibility.

 

I really don't understand how they can do this, i never agreed to a roll on but there telling me its in the good old terms & conditions. Not happy but is there anything i can do or have they legally robbed me.

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phone your bank

tell them they have taken it with no binding contract.

 

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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phone your bank

tell them they have taken it with no binding contract.

 

dx

 

 

Thanks for the quick reply.

Could you expand on your answer please, 1st quote were adamant that because i had not cancelled in the 14 day period that it is down to me. I genuinely never received a new quote plus no new policy, they say they sent it out. What can my bank do?

 

Many thanks

Middx

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Phone the FOS for advice. Under FSA rules the Insurers have to issue renewal documents, so you have a chance to review and cancel if you require. When you phoned the company they have appeared to reject your complaint out of hand. They are not allowed to do this as this also breaks FSA rules. It is for this reason that I suggest that you phone the FOS.

 

http://www.financial-ombudsman.org.uk/contact/index.html

 

If the payment was by debit/credit card under a continuous payment authority, your bank won't help you, even if you hadn't received a renewal notice with details of automatic renewal and contiuation. You need to take this up with 1st quote via the FOS.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Phone the FOS for advice. Under FSA rules the Insurers have to issue renewal documents, so you have a chance to review and cancel if you require. When you phoned the company they have appeared to reject your complaint out of hand. They are not allowed to do this as this also breaks FSA rules. It is for this reason that I suggest that you phone the FOS.

 

http://www.financial-ombudsman.org.uk/contact/index.html

 

If the payment was by debit/credit card under a continuous payment authority, your bank won't help you, even if you hadn't received a renewal notice with details of automatic renewal and continuation. You need to take this up with 1st quote via the FOS.

 

 

Thanks very much for your advice.

Phoned the FOS & they have taken the details & will now forward my complaint to 1st quote, now just have to wait & see what transpires. Not sure how much clout the FOS has but at least they will have to deal with my complaint in a professional manner & not as flippantly as they dealt with me when i phoned.

 

Once again many thanks for your help

 

Middx

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UPDATE

 

Hi

Just a quick update , today i received a letter from 1st quote demanding payment of £247.20

According to them its the outstanding amount owed because of cancellation of the insurance i knew nothing about.

 

Any thoughts / advice is very welcome

 

Middx

Edited by snowy101
SPELLING
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Just send it back to them advising that you have asked the FOS to make contact with them. Tell them that you won't be paying anything, until the FOS have dealt with a complaint about several breaches of FSA rules.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Send the letter by recorded delivery so they can't say they never got it- and keep a copy for yourself in case you need to let the FOS have it.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Insurance policies are allowed to auto-renew, but they must send notification of the renewal to the customer 21 days prior to the new policy being incepted. Most insurance companies aim for 28 days to be safe.

 

Now the thing here is that no insurance company I know of sends this notification by recorded delivery, and if they do not do this then they are not able to prove whether it arrived in time or not. They may have sent the letter, but that's not the legal restriction. You must have received it. Of course it might not be your insurance company's fault - it may simply have got lost in the post. But frankly, that's their problem not yours.

 

 

Be adamant that you did not get the renewal notification. Say that you wish to have the policy voided from inception, as the insurance company broke the law in not giving you notification, and that you want all money taken returned to you (or your bank if your bank has covered the taken amount under the DD guarantee).

 

I am convinced that the FOS will see in your favour - just stick to the main point that your insurance company did not notify you, as that is all that matters here.

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agree with Wulfrym, Ins comps will not send renewals recorded due to cost. They also have to send a renewal at least 21 days before the renewal date.

 

When did you get rid of the car? was it before or after the renewal? as this could help your case with the FOS.

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  • 3 weeks later...

Just a quick update on this.

 

1st Joke are sticking to their guns & the 8 week rule has been invoked so now the FSO can become involved, they have sent me a letter & a copy of 1st Joke`s internal inquiry.

I will stick to my truthful guns in that i never received no new quote or renewal policy & hopefully the FSO will find in my favour.

 

Just a quick question ....... IF the FSO do find in my favour have they got the power to order 1st joke to reimburse my monies?.

 

Middx

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yes

FOS not FSO surely??

 

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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yes fos adjudicators decision is legally binding

 

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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Not quite right, the adjudicators decision does not have to be accepted by either party, they can ask for an Ombudsman to review. The Ombudsman's decision is binding.

I'm surprised they have allowed it to get this far as the amount is outweighed by the FOS fee which is unrecoverable.

However, don't be surprised if the FOS tale the view that if the insurer has a copy the letter and no reason to doubt it was sent on the day, recorded or not that is enough evidence of proof of sending. In the eyes of the law and the FOS proof of sending is enough to assume reciept. The renewal if automatic as part of your contract, and clearly brought to your attention is not to be considered as a surprise, as you have said, you forgot, but I'm not sure that will be considered a god enought reason.

Good luck though, this could happen to anyone of us, and despite terms and condition,. when it comes down to our own money, we would all do the same as you.

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yep sorry got the names wrong way around.

 

the ombudsmans decision is binding after refered to him by the adjudicator.

 

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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