Jump to content


  • Tweets

  • Posts

    • No, do the section 75 chargeback to your credit card provider.
    • See what dx thinks but it seems to me that sending a photo of your own pass isn't relevant to what happened. Let's wait and see what he says. HB
    • 1st letter image.pdf1st letter 2nd page.pdf
    • Many thanks for the replies and advice!   I what to send this email to the Starbucks CEO and the area manager. Your thoughts would be appreciated.   [email protected] [email protected]   Re: MET Parking PNC at your Starbucks Southgate site   Dear Ms Rayner, / Dear Heather Christie,   I have received a Notice to Keeper regarding a Parking Charge Notice of £100 for the driver parking in the Southgate Park Car Park, otherwise infamously known as the Stanstead Starbucks/McDonalds car park(s).   Issued by: MET Parking Services Ltd Parking Charge Notice Number: XXXXXXXXX Vehicle Registration Number: XXXX XXX Date of Contravention: XX.XX.XXXX Time: XX:XX - XX:XX   After a little research it apears that the driver is not alone in being caught in what is commonly described as a scam, and has featured in the national press and on the mainstream television.   It is a shame that the reputation of Starbucks is being tarnished by this, with your customers leaving the lowest possible reviews on Trustpilot and Trip Advisor at this location, and to be associated with what on the face of it appears to be a doubious and predatory car park management company.   In this instance, during the early hours of the morning the driver required a coffee and parked up outside Starbucks with the intention of purchasing one from yourselves. Unfortunately, you were closed so the driver walked to McDonalds next door and ordered a coffee, and for this I have received the Notice to Keeper.   It is claimed that the car park is two separate car parks (Starbucks/McDonalds). However, there is no barrier or road markings to identity a boundary, and the signage in the car park(s) and outside your property is ambiguous, as such the terms would most likely be deemed unfair and unenforcable under the Consumer Rights Act 2015.   I understand that Starbucks-Euro Garages neither operate or benefit from the charges imposed by MET Parking. However, MET Parking is your client.   Additionally, I understand that the charge amount of £100 had previously been upheld in court due to a ‘legitimate interest in making sure that a car park was run as efficiently as possible to benefit other drivers as well as the local stores, keeping cars from overstaying’.   However, this is not applicable when the shop or store is closed (as was the case here), as there is no legitimate interest. Therefore, the amount demanded is a penalty and is punitive, again contravening the Consumer Rights Act 2015.   As the driver’s intention of the visit was genuine, I would be grateful if you could please instruct your client to cancel this Notice to Keeper/Parking Charge Notice.   Kind regards
    • I received the promised call back from the Saga man today who informed me that the undertakers have decreed it IS a modification and they will need to recalculate a quote individually for me. However it all sounds very arbitrary. The more I think about it, and with help from forum replies, the more I am sure that it is not a modification. If for example the original seatback had become damaged by a spillage or a tear, I would be entitled to replace it with the nearest available part. The problem is when it comes to a payout after an accident, there is no telling what an individual insurer will decide when he notices the change. I am still undecided which of the two best routes to go with, either don't mention the replacement at all, or fill in the quote form without mentioning, and when it comes to buying the insurance over the phone, mention it at the time.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics


L1882
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3861 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Evening all,

 

I'm looking for general advise on my debt situation

 

This may be a long and winding post so please bear with me.

 

I won't bore you all with the details of why my finances got into a mess but suffice to say that losing my job at the end of 2009 led to me defaulting on a number of credit agreements.

Despite writing to all the companies in question, asking them to stop adding charges and also to accept a minimal payment I was singly ignored by one and all.

 

I ended up with 2 CCJ's, one for a large loan which I pay at £50.00 per month and 1 for a credit card which I pay at £1.00 per month.

 

In addition I had a number of other credit cards and loans - I guess like many I was borrowing from Peter to pay Paul until the bottom fell out of my world.

 

For the last few years I've been treating demands for payment with the same respect they treated my offers - I've simply ignored them.

 

I am now working and though far from flush I probably could make payments to my creditors with a view to clearing my debt over the next few years.

If I ignore those items that are already subject to CCJ's I think my total debt is around £7000.00

- the stat demand relates to a debt of 1600.00.

 

I've not made any payment or acknowledged any debt for nearly 4 years but still quite a way from the 6 year limit.

 

I don't want to be made bankrupt and more generally would you advise that I contact all my creditors with an offer,

even though each will probably only be offered around £20 to £30 a month

- and if I should are there some standard letter templates that can be used to make these offers?

 

Sorry for such a long post - looking forward to hearing your opinions and advice

Link to post
Share on other sites

can you please list your debts [original creditor/bal/who owns it now]

 

and confirm their defaulted dates from you credit file please.

 

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... 

Link to post
Share on other sites

According to the credit file I have:

 

Credit Card with Lowell for £937 - this was originally Sky/Barclaycard with a limit of £500.00

- says default is 22/07/2010 but I'm fairly sure that was the date they bought the debt

 

Loan From Lowel for 1813 - I think this was Bank OF Scotland originally - this shows a default as May 2013 which is absolutely not true and is when they bought the debt

 

Loan From Lowell for 1593 - default shows as 18/01/2010 - think this must have been Bank of Scotland as well

 

Current account from Lowel - originally Lloyds TSB, default date of 10/03/2010

 

I'm not certain any of thsoe default dates are actually the last dates payments were made

- I'm fairly certain that the very latest payment will have been may 2009 (i was a year out in the original post, was end of 2008 I lost my job)

Link to post
Share on other sites

No. No point sending a sar to the DCA's. They wont have any info on you. You should CCA them though.

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

Link to post
Share on other sites

just to clarify

 

there is no relationship between the defaulted dates on a CRA file and your last payments.

 

if you are lucky

 

noddle listed below in my links

might list the last payment in the blue pull down arrows of each debt listed.

 

as lowells have so many of your debts & that running SD on another thread you have

 

you need to be careful here.

 

gather as much info as you can like the statements for each via an sar

find out things like YOUR last financial Use of each debt

and identify what each debt originally was and with whom [type of debt]

 

if you can identify PENALY charges & PPI

and those equate to a substantial part of each debt, then you need to consider reclaiming

 

the more each debt is made of stuff to reclaim the better and the less chance of court action.

 

you might alsp p'haps consider sending the debt owner now [lowells etc]

 

a caa request

 

though like reclaiming, this cannot be done on bank accounts

 

id so you might find this thread useful.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?404202-Sigma-red-Barclays&p=4352726#post4352726

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... 

Link to post
Share on other sites

Just thinking out loud here... No CCA normally means no enforcement of the debt in court right? So if Lowell dont produce a satisfactory CCA, does that mean they cant go through with bankruptcy? I know they can get a CCJ out of spite but cant enforce it, but im unsure about how it works with BR.

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

Link to post
Share on other sites

cca must exist for any court action.

 

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... 

Link to post
Share on other sites

Cheers DX - is it worth send an SAR to all my creditors, a sort of pre emptive strike?

 

yes but to the original creditor

 

ONE SAR is all that is needed per group [ for say all Barclay debts]

 

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... 

Link to post
Share on other sites

Right so basically I should send a SAR to all the original creditors and snd a CCA to all the current debt owners?

 

Right I'm searching for the templates now. I'm watching the other thread re the Stat Demand - I do know a friendly solicitor so I'm going to see if he can help on that one as well

Link to post
Share on other sites

cca request

 

sar ....click it!!

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... 

Link to post
Share on other sites

Send it recorded delivery in order to confirm receipt of delivery from the Royal Mail website (if they've done their job properly) and it's less than a couple of quid!

 

Just sending normal 1st class means that they can always deny receiving it!

Link to post
Share on other sites

free proof of posting is all that is need at the po counter,

 

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... 

Link to post
Share on other sites

Thing is that with many DCAs you do not get a proof of receipt - even with Recorded Delivery - the tracking status simply shows that the item is out for delivery even long after it has arrived, and you have wasted money unnecessarily.

 

Proof of postage is more than sufficient to evidence service if it came down to an argument.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

Link to post
Share on other sites

I understand what you are saying, I've had the odd couple of letters that have been 'out for delivery', but on the whole I have got the signed receipt of delivery.

 

What I do find strange is that CAG, in the past always advised to send CCA requests by RD in order to get a copy of the signed confirmation from the RM site.

 

60p or £1.70.

 

I know what I would be using, as I consider the CCA request to be one of the, possibly most important letters when starting out with trying sort your debts.

 

Of course the final decision remains with the OP. :-)

Link to post
Share on other sites

Thanks for all the advice guys. I'm tempted to send the letters Special Delivery - costly but quicker and definitely signed for.

 

DX I've made templates of thsoe letters and sent the most pressing ones today with proof of posting from the PO - I'll do the others over the weekend.

 

Brigadier

the statutory demand has not been served, yet.

 

They have hand delivered a letter indicating they attended my property twice yesterday and were unable to see me (I was out!)

but that they will return on the 3rd of October at 10:00AM at which time, if I am out, they will post it through the door with this being considered as served.

 

DX has helped me move the stat demand element to the legal forums.

 

Lowel are now the debt owners and a company called BW Legal now appear to be issuing the Stat Demand with delivery by another company called P&A Receivables Services

Link to post
Share on other sites

Emm P&A are very persistent in their approach as are Lowell when it comes to SDs, BW Legal like to 'farm out' the 'dirty work' on such cases.

 

So as soon as the SD is served you will need to get it set aside asap.

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:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...