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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
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camerons latest missive


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Can we please have a brewsters millions "none of the above" candidate :lol:

 

Problem is it is not just a candidate we need but a whole new party.....and that needs money amongst other things.....:-(

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personally i think voting has become about choosing the lesser of two evils you have to vote to keep the worst out and not the best in

 

They are all the same. Puppets for the large corporations/private bankers.

 

Have a look at this (it is about the US, but it is the same here):- http://www.youtube.com/watch?v=PYZpWTvre9c

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I don't understand the obsession with getting disabled people into work when there's 2.6 million plus people out there who are unemployed and can work.

 

Becoming disabled is not life style choice unlike having children therefore if disabled people want to work then why not... I do not like your attitude toward disbale people. The government has been trying to make it very difficult for disabled people to survive making them go for reassessment to get benefits ot live on... are they suppose to die and that would be a big saving for the goverment. :x:mad2::mad2:

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Becoming disabled is not life style choice unlike having children therefore if disabled people want to work then why not... I do not like your attitude toward disbale people. The government has been trying to make it very difficult for disabled people to survive making them go for reassessment to get benefits ot live on... are they suppose to die and that would be a big saving for the goverment. :x:mad2::mad2:

 

think you have taken Nystagmite post out of context.

I agree with you on something though being disabled is not a life style choice, but having children is, are you saying then the goverment should target the ones who keep having children whilst on benefit?

A lot of people who have children on benefit are disabled...

No easy answer

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Becoming disabled is not life style choice unlike having children therefore if disabled people want to work then why not... I do not like your attitude toward disbale people. The government has been trying to make it very difficult for disabled people to survive making them go for reassessment to get benefits ot live on... are they suppose to die and that would be a big saving for the goverment. :x:mad2::mad2:

 

eh? I've got no idea what you're about. I am disabled myself. You've clearly misunderstood me.

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Guest amianne

What has happened to society? Wasn't it the case that not long ago you lived at home until you could afford to get married and bought/rented your own home?

By which time you were working and able to pay your own way?

 

Now it just seems that at 17/18 with no job, no prospects, they expect to house/flat share with friends with the taxpayer funding their rent payments.

That to me is not the way things are done. If you can't afford to move out, have no job how can somebody have the nerve to expect that?

 

I stayed at home. paying lodge money to my mum & dad until I was 28 - 3 years ago. I had saved up, done without, had two jobs, all because I wanted to buy my own place. Am I abnormal? It seems I am.

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What has happened to society? Wasn't it the case that not long ago you lived at home until you could afford to get married and bought/rented your own home?

By which time you were working and able to pay your own way?

 

Now it just seems that at 17/18 with no job, no prospects, they expect to house/flat share with friends with the taxpayer funding their rent payments.

That to me is not the way things are done. If you can't afford to move out, have no job how can somebody have the nerve to expect that?

 

I stayed at home. paying lodge money to my mum & dad until I was 28 - 3 years ago. I had saved up, done without, had two jobs, all because I wanted to buy my own place. Am I abnormal? It seems I am.

 

To get benefit at 17/18 you usually have to BE estranged from your parents so if they are in that situation surely they deserve some help.

They dont normally ask to be thrown out of the famiily home, their parents do it for them

 

should we just let them live in the hedge then. :(

Edited by MIKEY DABODEE
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That to me is not the way things are done.

 

Lucky we're not all you then, eh? :) And yes Mikey I totally agree with your take on it.

 

What has happened to society?

 

The f*ing Tories took over thats what.

Edited by sadone
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IMO at least the Tories are trying to do somthing about the benefit culture the other lot just seem to want to give out more and more benefits. Not saying that the current Government are going about it the right way but at least its prompting debate and who knows one day someone may come up with an answer, wont be in my lifetime though.

If I have been of any help, please click on my star and let me know, thank you.

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All that is happening is Cameron is going back to basics. The National Assistance Act 1948 started it all off with a nice & simple system.

It was a safety net for those who hadn't paid any National Insurance.

Secondly it was designed to remove the poverty that pensioners found themselves in.

I don't see why we can't go back to where it all started - those that work look after themselves, those in need and have no recourse to any other funding get help.

 

Where in the original idea does it say that capable 20 year olds should have their rent paid for them

 

The National Assistance Act 1948 is an Act of Parliament passed in the United Kingdom by the Labour government of Clement Attlee. Itformally abolished the Poor Law system that had existed since the reign ofElizabeth I and established a social safety net for thosewho did not pay National Insurance contributions (such as the homeless, thephysically handicapped, and unmarried mothers) and were thereforeleft uncovered by the National Insurance Act 1946 and the National Insurance(Industrial Injuries) Act 1946. It also provided help toelderly Britons who required supplementary benefits to make a subsistenceliving,[2] and obliged local authorities to provide suitable accommodation forthose who through infirmity, age, or any other reason were in need of care andattention not otherwise available.

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Where in the original idea does it say that capable 20 year olds should have their rent paid for them

 

Where does is say that they cant then?

And some 20 years havent paid any stamps because there are no jobs out there, my daughter just landed first job, thirteen months of trying, but luckily lives with me for now, well looks like for a long time to come

Have you ever claimed housing benefit then?

If you have, who are you to say somebody else shouldnt be entitled then?

Edited by benidorm60
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Camoron has a chance to really hack people off in time for a Scottish vote to depart from Westminster, and then have enough time to try to patch it up a little before the general election, after losing so many Scottish labour MPs from the house.

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... The f*ing Tories took over thats what.

 

And continued the policy started by Labour to hack into benefits entitlement...

 

... the other lot just seem to want to give out more and more benefits ...

 

See above ...

 

Just one question. Whats the wage like in the DWP propaganda dept love? :)

 

Now THAT made me smile!

 

I joined the army at 16 to get away from home. I know! Let's bring back National Service. That'll sort it ... :D

Edited by RaeUK
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Amianne you have said one thing right... Cameron is taking things back...... but not to basics to the Draconian age.....

In my life I have lived through recessions etc but never as bad as this one. I thought the Thatcher years were bad but this government are continually widening the Rich Poor divide. One of the worst things they are doing is causing those who are lucky enough to be in full time employment and healthy enough to hold down a job turn against those who aren't by using the press to shout their damning propaganda.

 

As I said in an earlier post on this thread, MPs get their 2nd houses paid for, furnished, and runninng costs... is this right? Not in my opinion...... It is hypocritical especially on Cameron's behalf as he has received benefits when he did not financially need them.

 

I am in receipt of HB and ESA, am I a scrounger? No I have worked all my life untill being hit with a degenerative disease for which there is no cure for.

We do not live in a benefit Culture we live in a hypocritical culture where people are quick to stereotype an individual before ascertaining the facts to their situation

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And continued the policy started by Labour to hack into benefits entitlement...

 

I'm sorry, I thought that was a given. All the parties are the damn same these days, and thats the truly scary thing.

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Indeed, sadone, very scary. As things stand, come the next election I don't know who I'll vote for. I'm sure it won't be one of the three main parties. Never again ...

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might the reason people give to claim housing benefit is that their are no jobs out there

those that are out there are mostly minimum wage, fixed term or zero hour contracts

no traning or apprenticeships

all affordable housing sold off, landlords asking to high rents, what about rent caps

 

not everybody works in the financial industry

give us back a manufacturing industry

 

employment is a RIGHT

not a privilege

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Camoron has a chance to really hack people off in time for a Scottish vote to depart from Westminster, and then have enough time to try to patch it up a little before the general election, after losing so many Scottish labour MPs from the house.

 

 

Was that a deliberate mis spell of his name by any chance? Lol:lol:

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They have made it just as the big multi-nationals wants people really afraid of losing there jobs and will end up giving employer hours of free labour just to keep their employment. This is staff contacts to stay behind and tidy up the large retailer’s floor for free and this could be up giving free labour for up to 10 hours a week.

Wonder what is next on their agenda for everyone, I bet it will be not be a 5% tax cut like boy George gave to their millionaire friends and themselves the front cabinet. The rest of us can go and eat cake.

Boy George had no problems in making the poorest pensioners pay for that nice benefit for them. Grrrrrrrrrrrrrrrrrrrrr It is enough to make you want to vote for BNP next time around.

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Grrrrrrrrrrrrrrrrrrrrr It is enough to make you want to vote for BNP next time around.

 

I could never vote for them as their policies would mean my grandson and his father would be in line to be kicked out of the country due to black ancestry - not to mention my gay/bi family members, and probably the disabled, and also myself....

 

No. BNP ain't for me.

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I may be getting a little confused here but from what i can deduce when children leave home the parents are now forced to move into a single bedroomed house or have their HB cut, so these families wont have any room for the kids to move into anyway.

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