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    • 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.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
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Help with Debt Managers Ltd - Arrow- Shop Direct (Carval)


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Have a read of my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?353972-Debt-Managment-Ltd-sending-txt-to-my-phone&p=3869681&viewfull=1#post3869681

 

Sounds like I'm a little further along their conveyor belt of Xmas cracker P.O box "Solicitors"

 

Just sent them a merge of about 4 letters, should keep them busy! :-D

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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thanks everyone I will read your post now Nishi

 

So if this debt is an alleged catalogue debt then is this covered under CCA and worth sending a request to them? thanks.

 

Can i get this default off since they didnt send me a notice?

If i help feel free to click star on my post. cheers

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Yes it is subject to the CCA, but they won't have one I guarantee it.

 

Do you recognise this debt? Did you have a catalogue?

 

If this isn't yours then the CRA should be informed to remove the incorrect data from your file or face legal action along with the clown who placed it o their.

 

If you do recognise it, then you can tie them up in knots, reclaiming all the fees and charges they have added then paying £1 a month, it will never go near a court.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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i have had a catalogue once before - but only used it lightly and they are claiming i owe over £400 which is incorrect.

 

 

one of the linked addresses they put on myfile is incorrect IE the house across the road - i have informed the CRA's of this

 

I guess i need to tell these lot the same?

If i help feel free to click star on my post. cheers

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Theyre claiming that amount because the debt is full of penalty fees which you can reclaim.

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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ok this is my draft should i send or not?

 

Disputed Debt.

 

 

 

Dear Sir

 

I have received your reply dated xx/xx/xxxx.

 

If you were not told by xxxxx that this debt is in dispute then you really should ask them for more details. I sent xxxxxx a letter on the xx/xx/xxxx requesting they provide evidence as to my liability for this debt. I can inform you even till this day they have not done so and nor have yourselves.

 

Furthermore they have placed a default on my credit file on the xx/xx/xxxx without even sending me a default notice. To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. A complaint to the ICO is in process.

 

I will not be making any further payments to you until you provide me with the documents I have requested. Whilst you remain in default of my request, you are not permitted to take any action against this account. This includes adding further charges and passing any information to the credit reference agencies.

 

Should you not have any documents to prove my liability in relation to this alleged debt, please confirm this in writing to me.

 

 

I look forward to your reply.

 

Yours boringly...

If i help feel free to click star on my post. cheers

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http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt - prove it letter

 

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency - letter for when it's "yo-yo'ing" around different DCA's

 

http://www.consumeractiongroup.co.uk/forum/content.php?425-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request - letter to whoever when they are in default of an agreement request.

 

 

See if any of those apply.

 

As a side note, you dont have to "pussy foot" around or ask that they consider doing things. Tell them exactly what they have done wrong, and what you want achieved. Bullet point it if necessary. DCA's and a lot of creditors just bin standard templates, or ignore it. The longer a letter is, the less attention it will get. DCA's normally have the attention span of a gnat, so keep everything short, sweet and to the point.

 

If you write " NOTICE OF FORMAL DISPUTE" or "NOTICE OF FORMAL COMPLAINT" in big black letters at the top of the letter however, it usually gets their attention fast.

 

Send them the prove it letter first. If they dont provide proof, then the alleged debt goes into dispute and they'll be stuck. Always remember, refer to the debt as the ALLEGED DEBT or the ALLEGED ACCOUNT. Do not use any other wording as it could be taken that you acknowledge it, thereby negating the need for them to prove it.

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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yes i sent that one last week to them

 

they sent me nothing to prove... so the letter above i was thinking of replying to them. they just asked me for previous address details....

 

cheers

If i help feel free to click star on my post. cheers

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If they didnt send any proof at all in that time, then the alleged debt is now in dispute and they need to remove your details from their system. You should also make a full complaint to the CEO of the DCA and to the OFT.

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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yep. You sent them a legal request, the account is now in dispute. Whatever they send, simply tell them that because they didnt respond to your request, you will now be reporting them to the OFT/FOS and no further correspondence will be entered into with them.

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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thanks they contacted me about 7 days ago with last letter - how long should i give them before i write back and tell them to take me off their system? same as a CCA request? 12+2 days?

 

thanks

If i help feel free to click star on my post. cheers

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If you sent the prove it letter, they usually have 7-14 days to confirm the debt is yours or they are removing your details from their systems. If they continue to harass you about the alleged debt without proof, then they are in breach of their credit license and MUST be reported.

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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There is in fact no speciied time limit some DCAs may reply

most will ignore and continue to press for payment.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You could always add a time limit. If proof isnt provided, then they are in breach of OFT guidance and possible harassment.

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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Arbitary time limits as used frequently by DCAs are practically useless

as we see very day ''must respond in 7 days or we may'' etc.

Statutory time limits have to be adhered to although penalties for

non compliance even on statutory limits are no longer very effective.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The fact that they still harass when in default of a legal request could be used against them

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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As said above the penalties are weak as are the regulators at present.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Recording your calls is a good idea but to be able to use this recording, legally you must make the person you are calling aware of the fact that you are recording the call and if they object you must stop recording - Comes somewhere under the Wireless and Telegraphy Act ... something or other. If you don't do this you cannot use the recording as evidence as it won't be legal. Just so you know ... Good luck!

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Actually you dont have to make the other caller aware. I thought the same as you originally but it seems that you can record a call whenever you like as long as its not covered under such things as the official secrets act or anything like that.

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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re: Recording calls ... Please see

 

see what????

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes you can record calls, and no you don't need to inform the caller on the other end you are doing so.

 

I record all of my calls, and I don't inform the other party that I am doing so, if there is a dispute of some sort, then by disclosing that I will listen to the recording of the call again, often diffuses the argument.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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