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    • 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
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
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Debt after so many years


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Hey all,

 

In a nutshell I took out a loan in my younger day's (1998) I am guessing I must of defaulted on the loan £14,000 from Barclays, so fast forward to now, I have been paying £26 a month to payplan (which I am getting off lightly with i think). If for some reason I stop paying (not that I intend to) can they then put a note on my credit file regarding this debt. Basically what can they do?

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Hey all,

 

In a nutshell I took out a loan in my younger day's (1998) I am guessing I must of defaulted on the loan £14,000 from Barclays, so fast forward to now, I have been paying £26 a month to payplan (which I am getting off lightly with i think). If for some reason I stop paying (not that I intend to) can they then put a note on my credit file regarding this debt. Basically what can they do?

As you are still paying, they probably can legally enforce the debt. If you are only paying £26 per month, then more than likely you owe a lot more than £14,000.

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As you are still paying, they probably can legally enforce the debt. If you are only paying £26 per month, then more than likely you owe a lot more than £14,000.

Hi and thanks for replying the good thing is that started paying back the loan with the loan and interest was frozen so it's definitely less than 14000 :-) I am see what u are talking about but am wondering aside from a cjj (which I won't let it get to) could they put the default back on as my credit report is come May default free ;-)

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No if there was a proper default date then it must disappear after 6 years.

 

Problem with Barclays is that they are very reluctant to issue default notices and sometimes the default date is long after the first technical default

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Have you checked your credit file lately it's probable that there is a marker there already and on al 3 major credit reference agencies.

You will either have a default entry which will be removed 6 years from the default date or an arrangement to pay marker which is as bad and can continue for more than 6 years.

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What are the chances of there having been PPI applied to the account ?

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What are the chances of there having been PPI applied to the account ?

Possible on a 1998 loan (no PPI no loan era).

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

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I have checked Experian and Equifax and the Barclays loan appears on none of them. Also as to the PPI thing I am not to sure, thing is I am just paying £26 a month which suits me. I think if in the future they decide to change things I will see if PPI is attached and then pursue dont want to rock the boat and up my payments u see.

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