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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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LLoyds Bank/Moorcroft/Midascreditservices - help needed


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Hi,

My son has an old debt with LLoyds due to going into unauthorised overdraft.

 

He is not working and not claiming benefits, we support him.

 

I have sent all sort of letter and statement of earnings in the past, also have asked them to take the charges away.

 

The original overdraft amount was £280 all the rest are charges.

 

They have at last frozen the account at £429.36 and he is getting letters from Moorcroft.

 

Now he also has received a litigation warning letter from Midas.

 

I would like to make an offer for a lump sum of £300 to get rid of this at last.

 

Do I send this letter to Lloyds, BXT 1LT as I had correspondence from them before?

 

Any idea if they would accept this?

 

Am I doing the right thing?

 

Your advice would be greatly appreciated.

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i would send a letter to lloyds marking it formal complaint

 

i done so and had a refund of around a grand and a cheque for £60 i complained more than once and yes another £60 cheque

 

saying that i was paying every month and interest they applied was more than i was paying

 

they may do a reduced settlement figure but they may sell the discount on to another bottom feeder

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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well ignore the fleecing dca's thats for sure

 

F&F to lloyds but demand they remove all negative data from his cra file and mark it satsified

 

partial is NO GOOD.

 

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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I have sent a letter of complaint to LLoyds in April.

 

They replied that they cannot remove fees and so on and would not refund anything but closed account and passed it on to Moorcroft.

 

They said I could contact ombudsman within 6 months.

 

The letter I am planning to send is the offer without prejudice from debtline.

 

It really grieves me having to pay them charges.

 

I did complain that the debt nearly doubled as the original amount was only about £280 for a direct debit payment they made which sent him into unauthorised overdraft.

 

Should I just offer that to Lloyds?

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dont read this question wrong..

 

bu

 

why are you looking to pay this off?

 

they'll go nowhere near a court which is why they have sold? it on

 

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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The reason for trying to pay it of was the recent threatening letter from Midascreditservice (stating that they are part of Moorcroft) giving a Litigation Warning if we don't contact Moorcroft by 13/6/12. Basically to get rid of them.

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aha

 

no dca has ANY legal powers to do ANYTHING to him.

 

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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Share on other sites

The reason for trying to pay it of was the recent threatening letter from Midascreditservice (stating that they are part of Moorcroft) giving a Litigation Warning if we don't contact Moorcroft by 13/6/12. Basically to get rid of them.

 

what they mean is we are begging you to contact us and pay us some money before we give up and pass it on to another bottom feeder

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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yes!

 

unless he needs his cedit file clean IF it shows at all?

 

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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  • 9 months later...

My son is still getting chased by Lloyds for £429 and they now passed the debt on to CSL.

 

I have offered to pay £300 in full and final settlement and they said they would take £329.

 

Now CSL have contacted me saying that the offer is on for 7 days.

 

I asked them if this will clear his credit file and they said they would put 'settled part payment, satisfied'!

 

I have asked them to confirm this in writing first before I would pay them as they wanted me to pay over the phone by debit card.

 

Does this mean his credit file will be clean?

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no waste of money!

 

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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PS is as good as a CCJ on a CRA file.

 

also means the rest can be gotten at a latter dates.

 

anyhow

WHY are you even contemplating paying these fleecers

 

I thought this was resolved long ago...

 

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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My reason and the latest news, dx:

 

I have just complained by letter to Lloyds ( on behalf of my son) again as I am getting constant harassment calls on my home phone

(and my son gets them on his mobile) from Westcott and also letters from CSl.

 

This was after requesting to be contacted by mail only.

 

Lloyds replied and have paid my son a cheque for £50 for the distress and inconvenience!

 

Quote: "We would accept £322 towards the balance.

 

If this payment was made we would accept this as partial settlement and your credit file would be updated to show this.

 

The account would then be recalled and you would not be pursued further for this."

 

I am not sure if this is good or bad?

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nope getting fleeced

PS is as bad as a CCJ.

 

waste of money.

 

did you get his cra file?

 

have you All the statements..

 

the fees are UNLAWFUL penalties.

 

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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