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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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morgage arrears i have to go to court help!!


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I have a court case on the 27 july.Regarding morgage arrears I am petrified,incase they take my house from me.I owe about £2000.I did have a arrangement with yorkshire bank.But couldnt keep to it.They wanted £100 every week.I only had £200 comming in.By the the time i bought food payed my gas electric Had nothing hardly left.Plus i Have been with them 10 years it only this last year i have had trouble paying them.I lst my job which was full time.Now i only work 7hours a week.Cant find work anywere.And i have to get a light job because of my back.Has anyone any idea what will happen? Its the fist time i have had to go to court.And i feel like i am going to have a nervers brackdown i am that frightened. :( Anybody help me please? I amin debt with other things to like coucil tax,Water rates tv licence.And others too.Please help????

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Hi there, try not to get into a panic - let's see what can be done to help.

 

If you only work 7 hours a week, are you claiming all the benefits you can ?

 

How much is the normal monthly mortgage payment ?

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its £50 per week.I had a 3 deaths in the family and i turned to drink.It all got out of hand.I couldnt handle it anymore..I am crying my eyes out typing this I dont no what to do.They BANK WANTED £100 a week of me.I couldnt do it.I made a few payment but fell back onto the alcahol again.Its just got out of hand.I told them i couldnt afford this but they insisted i payed it.I even unpluged my phone because they rang and rang.They didnt want to no.Now i ma at my witts end.I owe in total my morgage is £20 grand.Its only this last 12 mths i have got behind.Never misses a payment till then,The worst of it is my husband doesnt no.He would leave me if i told him.

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Is the mortgage only in your name ? does your husband not contribute to the mortgage ?

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

 

 

This site is run solely on donations

 

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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Hi there, so I take it the mortgage is only in your name? The first thing you need to do is complete a budget sheet so we can get an idea of exactly how your finances are. I have affixed one to this post - it calculates automatically as you fill it in. It's obvious you can't pay an extra £50 per week towards the arrears and given your income the court will not expect you to pay that. Let me know when you have done the budget sheet and then we'll see what can be done.

Budget Sheet.xls

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It is a joint account.I also have my son living with me who cant claim jobseekers.as he left his last jobBecause of his diabeties..So we have to keep him too.As he cant any money anywere.

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Hi there, so I take it the mortgage is only in your name? The first thing you need to do is complete a budget sheet so we can get an idea of exactly how your finances are. I have affixed one to this post - it calculates automatically as you fill it in. It's obvious you can't pay an extra £50 per week towards the arrears and given your income the court will not expect you to pay that. Let me know when you have done the budget sheet and then we'll see what can be done.

Hi i will fill this later today. thank you very much xxxxxxxxxx

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