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    • No, do the section 75 chargeback to your credit card provider.
    • See what dx thinks but it seems to me that sending a photo of your own pass isn't relevant to what happened. Let's wait and see what he says. HB
    • 1st letter image.pdf1st letter 2nd page.pdf
    • Many thanks for the replies and advice!   I what to send this email to the Starbucks CEO and the area manager. Your thoughts would be appreciated.   [email protected] [email protected]   Re: MET Parking PNC at your Starbucks Southgate site   Dear Ms Rayner, / Dear Heather Christie,   I have received a Notice to Keeper regarding a Parking Charge Notice of £100 for the driver parking in the Southgate Park Car Park, otherwise infamously known as the Stanstead Starbucks/McDonalds car park(s).   Issued by: MET Parking Services Ltd Parking Charge Notice Number: XXXXXXXXX Vehicle Registration Number: XXXX XXX Date of Contravention: XX.XX.XXXX Time: XX:XX - XX:XX   After a little research it apears that the driver is not alone in being caught in what is commonly described as a scam, and has featured in the national press and on the mainstream television.   It is a shame that the reputation of Starbucks is being tarnished by this, with your customers leaving the lowest possible reviews on Trustpilot and Trip Advisor at this location, and to be associated with what on the face of it appears to be a doubious and predatory car park management company.   In this instance, during the early hours of the morning the driver required a coffee and parked up outside Starbucks with the intention of purchasing one from yourselves. Unfortunately, you were closed so the driver walked to McDonalds next door and ordered a coffee, and for this I have received the Notice to Keeper.   It is claimed that the car park is two separate car parks (Starbucks/McDonalds). However, there is no barrier or road markings to identity a boundary, and the signage in the car park(s) and outside your property is ambiguous, as such the terms would most likely be deemed unfair and unenforcable under the Consumer Rights Act 2015.   I understand that Starbucks-Euro Garages neither operate or benefit from the charges imposed by MET Parking. However, MET Parking is your client.   Additionally, I understand that the charge amount of £100 had previously been upheld in court due to a ‘legitimate interest in making sure that a car park was run as efficiently as possible to benefit other drivers as well as the local stores, keeping cars from overstaying’.   However, this is not applicable when the shop or store is closed (as was the case here), as there is no legitimate interest. Therefore, the amount demanded is a penalty and is punitive, again contravening the Consumer Rights Act 2015.   As the driver’s intention of the visit was genuine, I would be grateful if you could please instruct your client to cancel this Notice to Keeper/Parking Charge Notice.   Kind regards
    • I received the promised call back from the Saga man today who informed me that the undertakers have decreed it IS a modification and they will need to recalculate a quote individually for me. However it all sounds very arbitrary. The more I think about it, and with help from forum replies, the more I am sure that it is not a modification. If for example the original seatback had become damaged by a spillage or a tear, I would be entitled to replace it with the nearest available part. The problem is when it comes to a payout after an accident, there is no telling what an individual insurer will decide when he notices the change. I am still undecided which of the two best routes to go with, either don't mention the replacement at all, or fill in the quote form without mentioning, and when it comes to buying the insurance over the phone, mention it at the time.
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Purple Payday offer accepted, what to do next?


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Hi guys;

 

i have been in touch with Purple Payday (also known as PaydayUK / MemCapital) through email and making them offer to clear my balance.

 

The debt goes back to October last year. I had trouble keeping up with the payment and now i am trying to get back on track.

 

I woe them £275. And i offered them £25 every month till January and £200 in January and they have accepted it. However, thay are asking for my details AND most importantly, the email says my credit file will be affected if the balance is not cleared by the end of this month!!!

 

Can anyone please help me what to do next? How can i avoid them placing anything on my files! Is there a letter template i can send off?

 

Many Thanks...

 

Here is the full email i have receieved from them:

 

Dear iceboy,

 

Thank you for your email.

 

We can accept your payment plan of:

£25 October.

£25 November

£25 December

And then the full balance remaining in January.

 

Please confirm the dates these payments can be taken and please also confirm your debit card details for us to set up and take payments.

 

Bank Name

Debit Card Type

Name as it appears on the card

Long Card number

3 Digit Security Number

Start Date (if applicable)

Expiry Date

Issue Number (if applicable)

 

Please be aware your credit file will be adversely affected if you do not repay your loan by the end of the month.

 

Your credit history will be further affected if this situation does not change, but if you contact us urgently we could prevent further damage to your credit file.

 

Regards,

 

xxx

 

Debt Recoveries

Keyes Whitlock & Company

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Keyes Whitlock are known as a 'solicitor for rent' and their email needs sending to Trading Standards

 

Do not give them your card details, I do hope you have got another bank account to use in case of raids....

 

Write back asking for THEIR details and say you will also like the option to pay online.... that way YOU control the payments, not them.

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Hi;

 

Thank you for your responds.

Sillygirl, i took your advice and asked them to provide me with their details so i could make the paymant. They sent me their details but i would like to know if theres a way of confirming the details?

 

Thank you...

 

This is the email they sent me today:

 

Dear iceboy,

 

Apologise - Here are the bank details.

 

For all cash payments - please use the account details below, deposits can be made in any branch of Royal Bank of Scotland or NatWest:

 

Account Name: Month End Money Ltd.

Account Number: 39524906

Sort Code: 60-00-01

Reference: xxxxxx/iceboy

 

Please reference your Loan Agreement number xxxxxx/iceboy on the payment slip so that MEM Consumer Finance Limited can allocate the funds to your account.

 

Did you know that as we work with a credit reference agency, we share your account information on a monthly basis, so when you repay your loan on time, this could also help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating.

 

Please call our free phone number 0800 074 5010 (Call charges may apply depending on your telephone provider) between 9:00am and 8.30pm Monday - Friday or 10am - 3pm Saturday.

 

Regards,

Debt Recoveries

 

Keyes Whitlock & Company

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Do not give them your bank details they are complete ********s! Tell them you need another way to pay ! But whatever you do dont give them your details coz theyl take money when they want.

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