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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Debt Management Advice


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I'm currently working abroad teaching English for a year after University. While here, I was also working as a marketing consultant for a UK company back home, and they were paying me around £800 a month. However, last month they cut my salary significantly to just over £300 a month. So i'm in a bit of a pickle now. I have various creditors, including 3 payday loans which were due to be paid at the end of July, and now are overdue with interest accruing daily.

 

I currently have 8 creditors to pay:

 

Payday loans: Quickquid (£450) Wonga (£450) Paydayuk (£450)

Credit Card: Capital One (£250)

Phone Contract: O2 (£150)

Bank Overdraft: Clydesdale Bank (£350 - currently in Default and missed previous payment plan)

Utility: British Gas (£350, currently paying £35 monthly in payment plan)

 

Total owed is around £2500. Normally, this wouldn't really be a huge issue as with my original wage, I could afford to pay them off after a couple of months. However, with my income now at around £400, after deducting rent and expenses I only have about £50 to cover my debts...

 

Due to my missed payment history and the default with Clydesdale, plus the recent non-payment of the payday loans, my credit rating is seriously damaged and I'm unable to secure any sort of loan to help consolidate this debt. Also, my family have their own financial issues at the moment so I cannot borrow from them.

 

What is my best option in these circumstances?

 

Since I already have a Default registered on my credit rating, I'm most likely going to be screwed for getting any decent loan / credit for 6 years anyway. Is it worth trying to have my debt partially written off through some agreement, if my credit rating is already in a dire state?

 

Any help would be great

 

Thanks

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I'm currently working abroad teaching English for a year after University. While here, I was also working as a marketing consultant for a UK company back home, and they were paying me around £800 a month. However, last month they cut my salary significantly to just over £300 a month. So i'm in a bit of a pickle now. I have various creditors, including 3 payday loans which were due to be paid at the end of July, and now are overdue with interest accruing daily.

 

I currently have 8 creditors to pay:

 

Payday loans: Quickquid (£450) Wonga (£450) Paydayuk (£450)

Credit Card: Capital One (£250)

Phone Contract: O2 (£150)

Bank Overdraft: Clydesdale Bank (£350 - currently in Default and missed previous payment plan)

Utility: British Gas (£350, currently paying £35 monthly in payment plan)

 

Total owed is around £2500. Normally, this wouldn't really be a huge issue as with my original wage, I could afford to pay them off after a couple of months. However, with my income now at around £400, after deducting rent and expenses I only have about £50 to cover my debts...

 

Due to my missed payment history and the default with Clydesdale, plus the recent non-payment of the payday loans, my credit rating is seriously damaged and I'm unable to secure any sort of loan to help consolidate this debt. Also, my family have their own financial issues at the moment so I cannot borrow from them.

 

What is my best option in these circumstances?

 

Since I already have a Default registered on my credit rating, I'm most likely going to be screwed for getting any decent loan / credit for 6 years anyway. Is it worth trying to have my debt partially written off through some agreement, if my credit rating is already in a dire state?

 

Any help would be great

 

Thanks

. Go to your local citizen advice beauru they will do an income and expenditure form and deal with your creditors,this is free of charge and they give the best advice,good luck.
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. Go to your local citizen advice beauru they will do an income and expenditure form and deal with your creditors,this is free of charge and they give the best advice,good luck.

 

It's not possible for the OP. In the very first sentence they point out that they are living overseas.

 

One default is very likely to have a big impact on your credit file for sure. You've two potential options, though. The first is to negotiate reduced payments on an informal basis - this is usually achieved by completing a financial statement and making affordable offers of payment.

 

Your second option could potentially be a Debt Relief Order: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=37_debt_relief_orders

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. Go to your local citizen advice beauru they will do an income and expenditure form and deal with your creditors,this is free of charge and they give the best advice,good luck.

 

Thanks for the reply 64doogz. The problem with that being: I'm working in South America as a teacher at the moment on a 1 year contract. I won't be able to get any face to face help over here! Just over the phone at best to sort everything out.

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It's not possible for the OP. In the very first sentence they point out that they are living overseas.

 

One default is very likely to have a big impact on your credit file for sure. You've two potential options, though. The first is to negotiate reduced payments on an informal basis - this is usually achieved by completing a financial statement and making affordable offers of payment.

 

Your second option could potentially be a Debt Relief Order: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=37_debt_relief_orders

 

Thanks for the response sequenci. I should point out that i'm of Scottish nationality and therefore that wouldn't apply to me? Thanks

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Thanks for the response sequenci. I should point out that i'm of Scottish nationality and therefore that wouldn't apply to me? Thanks

 

It wouldn't sadly. That said in Scotland Bankruptcy is far cheaper than it is down here:

 

http://www.nationaldebtline.co.uk/scotland/factsheet.php?page=01_bankruptcy

 

What's useful is that in Scotland they've done away for the need for you to attend a court hearing too.

 

You could have a go at going through this, it's pretty useful! http://www.mymoneysteps.org

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  • 2 weeks later...

Do you think that bankruptcy is really the best option for me sequenci? Or is it more sensible for me to try and see if my creditors will accept token payments of a couple of quid, for a couple of months, until i'm back in the UK and earning a decent amount again? I'd say within 4-5 months i'll be back on a wage of 1k or more a month.

 

I spoke to payplan and they're going to arrange a call to go over my finances etc, and try arrange a plan with my creditors. Like I said before, I can probably set aside £50 a month at most to repay them all. Regarding the payday loans, have to give decent kudos to Wonga as they immediately froze my interest for 30 days to allow me time to give them an income expenditure sheet etc. Quickquid and Paydayexpress, not so kind. I'm also trying to open a couple of basic bank accounts, before my credit report really gets messy.

 

Since my credit is already at its lowest point and with the default, pretty much barred from getting any credit until that is discharged...what should I do?

 

What are the repercussions of my different options:

 

Declaring bankruptcy and wiping all debt

Trying to arrange a partial debt write-off with my creditors

Arranging payment plans to repay all of my debt currently owed

 

If repaying all of my debt currently owed is still going to knacker my credit, then i'd rather come to an agreement with my creditors to write off most of the debt, pay a small amount for a couple of months, and then repay the remaining balance in full...is that possible?

 

Thanks again for your help.

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Given that we're dealing with payday loans you've probably two decent options here.

 

1) Bankruptcy

2) The Debt Arrangement Scheme (http://www.dasscotland.gov.uk/)

 

The latter is very useful as it's an arrangement which is binding on the creditors - which means that interest and charges are guaranteed to be frozen, and that your creditors will not be able to enforce any court orders against you whilst it's in operation. The important thing to do is to consider how long it'll take to become debt free. If you feel that you can clear it within a few years then bankruptcy *may* be quite a harsh mechanism to consider. It does, however, offer a massive amount of peace of mind - and for many of the people I've helped it allows them the ability to make a fresh start quickly. The DAS is great too as it's NOT a formal insolvency measure but it IS binding on the creditors. It's a bit of a win/win as far as paying a monthly payment to the creditors is concerned.

 

If you can raise a lump-sum then making offers of full & final settlement could be a useful route forward also.

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