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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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    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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too many payday loans


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I have lost track of all my payday loans, and my boyfriend is out of work, so I am really srugling to pay all the houshold bills and pay the payday loans. I really want to reduce the amount I pay out each month and get all the companies off my back.

Does anyone have any advice they can offer me.

:juggle: at the moment i feel like i am juggling everything, once you pay one you need another loan to get by, and pay the others.

kay17

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Household bills first, payday loans second.

 

 

First thing you need to do is open a new bank account and have all money paid into the new one. Dont give the payday companies the new bank info. This is so you can secure your money, as the PDL's WILL take your money as and when they like if they have your info. They dont even care if they leave you with no money at all.

 

Write to each PDL and state that you are in severe financial difficulty then post their response in this thread. Remember, do NOT phone them. Only mail by recorded letter OR email from your inboc, never from a webform.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have started to sort my pdl out I have 9 and I feel better already. But make sure you close the bank account they debit from. I have emailed 6 of them and sorted a repayment out with 3 still waiting for replies from the other 3. Still have 3 pdl to inform of my financial difficulty. Good luck Kay17

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:violin::cheer2::amen::welcome::behindsofa:hello sunshine please email all pdl companies asap asking for a payment plan asap and keep a copy of the email at all times then if u can cancel ur bank card as lost to ur bank and get a new one sent then cancel any direct debits u have with all of them asap otherwise they may well raid ur bank account then when u email them tell them u are going to have to default payment as u are experiencing severe financial hardship then do not pay them a single penny until they agree a payment plan with u ,normally after u have defaulted they will contact u asking for further payment but u have to remain firm and strong at all times and send them a repeat email again stating u require a payment plan now .u do not have to write to them just email them and on ur email tell them they must not phone u only email correspondance is acceptable otherwise if u talk on the phone to them they can become agressive so now its ur turn to be in full control not them and u can do this with all our help on here and come back and update us for further advice and stop worrying u will get out of this i have others have and are on the way ur not on ur own so sleep well tonite and ul soon be sorted good luck PS CAN U TELL US EXACTLY HOW MUCH U OWE TO EACH ONE WE CAN HELP U FURTHER THEN XXXXX
:violin::ban::lock1::bump::clock:
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Just an up date

 

Mr Lender - repayment plan agreed standing order in place and received my balance in writing (email) - £400

 

Payday Uk - repayment plan agreed standing order in place and received my balance in writing (email) - £487.50

 

1 month loan - repayment plan agreed standing order in place and received my balance in writing (email) -£640

 

Quickquid - refusing payment plan but I keep emailing them.

 

Capital Finance One - called me at work yesterday after several emails asking them to only contact by letter or email. Sent 3 emails no response.

 

Payday Express - I have had a few replies by email, but they say I have to meet there criteria & have emailed them back every day but no response, so will keep at it. Did receive a text message this morning saying your payment arrangement promise has failed please call us, then an hour later another text saying my account will be passed to the debt recovery dept, I have then sent them 2 more emails since but still no response.

 

Poundstilpayday - on hold till end of month

 

Wonga - not due yet

 

Mini credit - not due yet - not looking forward to dealing with these after what I have read on here

 

Will keep emailing them - but just want to sort this out. Am feeling better by dealing with all this but I must admit when they dont respond I worry about them contacting me at work.

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If anyone calls you at work remind them of the OFT Guidelines in Debt Collecting and put the phone down, then put in a complaint to the OFT and Trading Standards.

 

Don't close the bank account you pay them from, you need to keep that account separate from the one your income goes into, that way they can only take the money you have in your account on the day. Try not to do things via your card but via standing order instead of direct debit, far safer and keeps YOU in control.

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I no longer have the account linked to the card I paid them with. But have set up standing orders with them that is the only way I will pay any of them like you say that keeps ME in control.

Just want to say thank you to everyone for all your advice.

Will also put complaints into OFT and trading standards.

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QQ have been trying to contact me by phone but I have several emails from them saying they wany £49.50 this month then £100 next month but I dont have that sort of money as I am trying to get my finances in order, have explained this loads of times but they still refusing to budge.

 

2009dg how did you deal with this was it by phone.

 

Any advice pls also if anyone has any advice on how to deal with payday uk (MEM) I would appreciate that also.

 

Need email address for wonga as well if any one can help

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NEVER deal with them by phone. In regards to repayments, they have to come to a mutual agreement that doesnt leave you in hardship and doesnt have them taking priority over your other debts. Even if they eventually took you to court, they could be left with £1 a month.

 

They dont like this, and they certainly don't like you knowing that you can do this, hence the reason why they are bullying and harassing you ( which is another violation of regulation).

 

Specifically the CSA 2008 regulations. http://www.consumeractiongroup.co.uk/forum/showthread.php?158567-2008-regs-CSA-Codes-of-conduct-Enforce-the-rules.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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2009dg how did you deal with this was it by phone.

 

Any advice pls also if anyone has any advice on how to deal with payday uk (MEM) I would appreciate that also.

 

Need email address for wonga as well if any one can help

 

No only dealt with them via email. Am disputing the extra charges though so things may change. With Payday UK it took time but eventually I got an email with an income/outcome form (very basic) which I sent back and a few days later I finally got a reply accepting what I had initially offered for the first 3 months. I'll then be left with £50 which I'll pay off in one go. I do plan on paying all my PDLs back early if I get the chance, once I have money I'll ask for final settlement figures.

 

 

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Hey 2009dg. Make sure that you are actually paying off the loan amount and theyve stopped interest.

 

PDL's have a nasty habit lately of saying you are paying the loan off, but in reality, they are counting your payments against the interest and any charges. So when you think you have paid off the actual loan, really youve only paid off the interest each month and any charges they decided to throw on.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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