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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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hi

i have fine which was passed on to philips bailifs.

 

the fine was £150+£80 victim surcharge+ £385 costs. total £615

 

i had parked my vehical and somebody blocked my drive. silly me i deflated there tyre with a nail.

 

i was origionaly made to pay £50PCM but never made a payment for 3mths as in finnancial problems

 

it was passed on to bailiffs and straight away added £85 on top.

 

as i had to pay this off

 

i agreed to pay in 2 payments (as could see money comming in for some work i done).

 

1 payment made and other was due in 30 days

but unfortunaly things did not work as planned.

 

after a further 2 weeks they call me and as i knew had more money comming in promised to pay following week.

 

then everthing the costs and visit just added up when paying the final payment.

 

the bailifs agreed to clear fine in 2 payments.

 

i made one succesfull payment and second one was not paid on time due to finnacial problems.

 

there was a call made to me from philips outstanding payment which i agreed with them and payment will be in next 7 days.

 

after 7 days i get the call and now the outstanding payment has increased by £200.

 

when questioned they said that a bailif had been to the property after the phone call as the system recognizes no payment from you.

 

now they are demanding more money .

 

i want to pay the origional agreed but they want more,

 

please help

 

can someone please advice as what can i do

 

i hope i have posted in the right section,

 

its just my financial situation is not good and this ontop is just making my life feeling down.

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you readlly need to concerntrate om paying this off

 

it is more important that Payday loans and mobile phone bills.

 

prob 2nd to rent/mortgage.

 

i'd suggest you cut a couple of non-priority bill down to £1 for a month to clear is.

 

you liberty is ultimately at stake here.

 

how long ago was the fine given.

 

if you go by the org £50PCM order

are you upto date with that schedule?

 

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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you readlly need to concerntrate om paying this off

 

it is more important that Payday loans and mobile phone bills.

 

prob 2nd to rent/mortgage.

 

i'd suggest you cut a couple of non-priority bill down to £1 for a month to clear is.

 

you liberty is ultimately at stake here.

 

how long ago was the fine given.

 

if you go by the org £50PCM order

are you upto date with that schedule?

 

dx

i was 50/pm with the courts but now the bailifs are dealing with it.i never made any payments to court.

the bailifs agreed to accept the full balance in 2 payments,i made one succesfull payment and second one was not paid on time due to finnacial problems.

 

there was a call made to me from philips outstanding payment which i agreed with them and payment will be in next 7 days.

 

after 7 days i get the call and now the outstanding payment has increased by £200.

 

when questioned they said that a bailif had been to the property after the phone call as the system recognizes no payment from you.

 

now they are demanding more money .

 

i want to pay the origionaly agreed 2 payment but they want more,

 

my question can they still make home visits add charges even i agreed to pay the second payment in 7 days.

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  • 2 weeks later...

After a research on bailiffs and there tactics,consumer rights and putting a big fight with the bailiffs i eventualy got the charges droped.i would like to share the experiance as i belive there must be many people out the who give in to these (legal way)low life tugs who will use any form of tactics to gain money from you.

i strongly ask to question every charge,gather evidence for being intimidating,unreasonable put them on the spotlight.capture conversation on phones,cctv,neighbour witness.

 

as my post above i complained about the charges to philips by email and was initally fobbed off.with help of a friend i wrote another email, requesting the breakdown of charges and the visit details of the calling bailiffs name and court certifiying it(i wanted this in writing from them so my court action against them would had been simpler,they tried to give some bu**sh*t GPS fixed location verbally.from my point of view these can not prove the bailiff was outside my door or simply could had been on pavement,driving down :???:etc...),in view to take legal action.the company was quick in respondeing by removing the disputed charges and closing the account in full as paid the second payment only.

 

i knew the bailiffs were trying it on from the beginning:lol: because i had a motor mechanic working on my vehical outside my house all day and the front door to my premises was wide open so the bailiffs woud had gained peacfull entry to my property.the mechanic was prepared to give statement if the matter needed to go to court.

i have also learned that a form 4 complain against a bailiff is very serious,and if presented to the court for wrongdoing of a bailiff with evidance,it can have a serious effect on them.

 

After this ill experiance,i have won but someone out there will not be lucky with these people and ask if come across these people to make life dificult for them ,when they get the message the consumers are not easy prey anymore,the low life bullies may start to think when taking debt cases from institues.

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