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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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MMF rang my boss at work to threaten her they will come to HER home about MY debt!


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hi all

 

just had a call from my boss.

 

.stating she had a call from mmf going to visit her home.

 

..she told them I don't live there.

 

.was really embarrassed.

 

..can they do this

 

..i felt sick knowing they contact her and am being bullied daily by them.

 

..Im on jobseekers have arrears with my rent

 

..so all I have is going to them..

 

.anyadvice.

 

.my boss is really understanding.

 

.but this should not be allowed..

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Hi, Did MMF discuss the ''problem'' with your boss??

 

You say you are on JSA are you working for this 'boss' or is this an ex-employer?

 

Either way it's wrong for MMF to make contact in this way.

 

Are you getting phone calls, e-mails, texts or letters on a daily basis?

 

I can draft a letter for you that should stop this.

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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good grief,

do this lot ever comply to any rules!

 

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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they rung on Friday..and left her a message..she rang back saying I don't live there...they rung her again on Saturday from a guy called mike who told her he was coming round to visit as I was ignoring the calls...she had a go at him explaining he was discussing personal things when she wasn't me...physically sick...and embarrassed..

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Do MMF have your residential address ?

 

If not and you don't want to be hassled, then why take any action. If you want to deal with it, then make them an offer of token payments (say £1 a month) by letter, explaining that you are currently on JSA.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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OK: Send the following to:

 

Private & Confidential

Mr Rob Sands

Director of Compliance

MMF Ltd.,

 

Date:..........:

 

Ref: use one from any of their letters:

 

FORMAL COMPLAINT:

 

Re: Unauthorised Contact with a 3rd Party/ Data Protection Breaches/ Breaches of OFT Guidance on Debt Collection:

 

Dear Mr Sands,

 

I refer to recent contact made by MMF Ltd; with Ms. xxxxxxxxxxxx, in which an operative of MMF Ltd., claiming to be called MIKE who had threatened to call at her premises, this was despite being informed that I did not reside at her address, previously another unknown operative had contacted her and had divulged personal data about me, again after being informed that this was wrong.

 

Obviously this conduct is a breach of the Data Protection Act 1998 and breaches several sections of the OFT Guidance on Debt Collection 2003/2006 updated Nov. 2012 all these breaches are being reported to the OFT/FCA and the ICO.

 

I am sure I do not have to quote 'chapter and verse of the Act and the Guidance document as I am aware that MMF Ltd., constantly breaches and ignores all regulation and legislation and denies that the provisions do not apply to it an approach that has no merit whatsoever.

 

Furthermore the constant contact from MMF Ltd., made to me personally has now reached a level that is clearly harassing and this WILL NOW CEASE!!

 

I suggest that you Mr Sands take notice of a recent Appeal Court Judgement Roberts-V-BOS which has defined the behaviour that amounts to harassment, it is quite clear from this that the conduct of MMF Ltd., in this case is harassment.

 

As is my right I demand that MMF Ltd., ceases all contact other than in writing. I am aware of claims by MMF Ltd., that such requirement do not apply to it, again I'm sure MMF is aware that this stance is nonsense.

 

For Clarification and the avoidance of any misunderstanding: MMF Ltd., WILL cease all telephone, e-mail, text contact with Ms................: immediately.

 

MMF Ltd; will contact me ONLY IN WRITING by Royal Mail postal services all other contact WILL be disregarded.

 

I will NOT allow any agent/ representative to visit my home at any time and will not discuss any matters with any such 'visitor'.

 

Should such a visit take place the person concerned will be invited to leave failure to comply will lead to their removal with police intervention if necessary.

 

Recorded signed/for post is best and check the date it's received, use the 'Protection House' address don't use PO BOX numbers.

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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Just seen your post re employer that's fine.

 

The draft above covers all points I think.

 

This will I hope shut them up!!

 

Julie we have a thread running with the purpose of placing a 'mass complaint' regarding MMF to the OFT/FCA may we use this data please?

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 of course..add me to the complaint..am disgusted at there nasty ways...and to add they do have my residential address..as they have been sending letters to me here...so why they need to visit my employers is beyond me...thankyou for the letter, will send this off tomorrow first thing . recorded delivery..but im taking it further..they crossed t he line..

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this mike guy at mmf is really scaring me.

.just had text from him..

 

"coming to visit you unannounced" will be there in 4 days..."

 

omg...they are not listening.

 

.emailed them again yesterday to say contact in writing only

 

..sent off letter to them that you put up for me.

 

Am not disputing debt have offered a pound a month.

 

.but had nothing at all back.

.no letters.

.just emails and texts.

.warning home visit

 

..I find the texts threatening.

 

.and have warned them I will show them to the police.

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I think Mike may have previously worked for another DCA,

the 'coming in 4 days unannounced' is clearly harrassment,

you will receive another text message or email in the early hours saying 'coming in 3 days' and so on,

 

then starting on 'legal action taking place in 7 days'

(somebody else has told me they have had a couple of those ones, trying to get the number off them who is sending it.).

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it came from a mobile no.

 

.and also received this message in email

 

..i have been told to ring police by the cab

..as this is harassment and threatening.

 

I believe from what the ICO said to me this morning.

 

 

.they are aware of mmf.

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just ignore them.

 

you keep waving your arms around

and responding

 

they'll keep trying to spoof you.

 

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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this mike guy at mmf is really scaring me.

.just had text from him..

 

"coming to visit you unannounced" will be there in 4 days..."

 

omg...they are not listening.

 

.emailed them again yesterday to say contact in writing only

 

..sent off letter to them that you put up for me.

 

Am not disputing debt have offered a pound a month.

 

.but had nothing at all back.

.no letters.

.just emails and texts.

.warning home visit

 

..I find the texts threatening.

 

.and have warned them I will show them to the police.

 

Julie this being has absolutely NO Authority to do anything he cannot enter your home, cannot do anything bust bluster.

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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I wish MMF would buy one f my old debt. I'd LOVE to have some fun 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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I wish MMF would buy one f my old debt. I'd LOVE to have some fun with them.

 

Careful what you wish for:jaw:

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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Careful what you wish for:jaw:

 

All my debts are long SB or have been written off my the OC's. All £11,000 of them. Love to have them chase me for 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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after putting in a complaint with OFT..who are now investigating the MMF,

 

I received a letter this morning stating I am right in stating no visit unless a appointment as been made..

 

But this doesn't apply to creditors so LOL

..so we give you notice that our agent will be calling.

.Well go ahead idiots.

 

.OFT actually replied when I mentioned there names.

 

..Oh no not them.

 

..so im paying in 1.00 per month as my rent which is in arrears comes first

 

.. just thought I would update you..

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just got letter this morning..im just paying a token gesture of 1.00 as this is all I can afford.they attached a bank mandate form which im not complying to..im paying in a pound to there bank account every month now.. .

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Again, why are you paying ANYTHING?

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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after putting in a complaint with OFT..who are now investigating the MMF,

 

I received a letter this morning stating I am right in stating no visit unless a appointment as been made..

 

But this doesn't apply to creditors so LOL

..so we give you notice that our agent will be calling.

.Well go ahead idiots.

 

.OFT actually replied when I mentioned there names.

 

..Oh no not them.

 

..so im paying in 1.00 per month as my rent which is in arrears comes first

 

.. just thought I would update you..

 

You give them FORMAL NOTICE that any such visitor will be invited to leave or will be removed with police assistance if necessary, if this in needed all you need to tell the police is that you feel scared and intimidated by threats being made.

 

I cannot wait to see an MMF muppet visitor arrested.

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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