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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Phantom loan mini credit


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Hi, today I had a letter from minicredit.co.uk about a loan that I knew nothing about I don't know what else I can do I have talked to my bank and they are sending the money, they apparently sent to me says in this letter they tried to call / text / email me but this is the first time Ive heard from them why would they start a loan without getting confirmation from the person who is meant to be setting it up!

 

 

what can I do ?

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Can you give us more information. What you said doesnt make sense. You talked to your bank who are sending money they apparently sent to you?

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

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sorry ill try to be more clear I got this letter today, ive talked to my bank this afternoon they told me they will send the payment back to minicredit tonight, but what I don't get is why did this happen I have not signed up for any loans at all I have no reason too

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Ahh gotcha. Well, the first thing to do is head to your bank first thing tomorrow and put it in writing that you want ALL transactions blocked to minicredit and their sub companies. This ensures they cant try and take money they arent allowed to take ( they will try).

 

Then onc eyou are 100% sure your bank account is secure, get a full and formal complaint to minicredit and send it by recorded delivery, and make sure you track receipt. If you need help with that complaint tomorrow, just post back and we'll get you a good one sorted.

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

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Ive talked to my bank with "lost" card which they said to do that way they cant take any payments from me, this isn't fair I had no idea about this someone else did this in my name with my details it was £80.50 which is going back from my bank but in Total they wanted £268.10...Which is Fair enough not as much as others who ive read on here but its frustrating as I did not know about this and im not working at this current time

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No. Your bank is COMPLETELY wrong.

 

You need to put the following in writing:

 

 

Account Number: xxxx

Sort Code: XXXX

 

 

Dear

 

With effect upon receipt of this letter, you are instructed to cancel and refuse any and all transactions relating to Minicredit and any mechants they may use. This cancellation also applies to any CPA's ( Continuous Payment Authorities) that are active on my account)

Under Para 55 Payment regulations 2009, you are obliged to comply.

 

 

 

Get it signed, dated and stamped by the bank manager, and ensure you get a copy ( let them keep the original). Once you have done this, should the bank allow ANY money to them, you are entitled to full redress immediately, or the bank could face heavy penalties from the FCA.

 

This is one of two ways to ensure your account is secure. The other is to simply get a new bank account and cease using your current one.

 

Cancelling or reporting your card lost, will only stop them using that card number. Nothing else.

 

Your bank isnt halifax or santander is 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

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No im with NatWest, I don't want to pay this loan looks like I may have to but I did not agree to this I don't even know how this happened is there anyway to get this written off I have no reason to have a loan in the first place

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Please stop worrying and read what i have advised. Your replies are beginning to sound very strange.

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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Please stop worrying and read what i have advised. Your replies are beginning to sound very strange.

 

Sorry..well my bank told me they are paying back the £80.50 from my account at midnight tonight. if that clears off this crazy interest/charges fine then move on just don't get how this loan was done without even talking to me or contacting me first

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Carl

You must put in a formal complaint. Put this words in big red letters. You need to past it my royal mail signed for. In it you need to ask them for details they hold such as phone number,email address, IP address of the computer which applied for the loan.

If after 8 weeks it is not resolved go to the fos as i suspect that they will try to put a default on your credit file.

As well as post you can always email it but that would of course give them your email address. Not a good idea

Any opinion I give is from personal experience .

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So if the IP which the loan was taken out on doesn't match mine I can get the charges removed? they only time I found out about this was this rather shocking letter

Not necessarily as you could have used someone else's computer. But if the email address is wrong and maybe DOB etc it is all evidence of at best incompetence and at worst something criminal. When was the money paid into your account?

Any opinion I give is from personal experience .

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Thing is they are saying I have a account with them, which is wrong cos I don't unless someone made one in my name what don't understand is it says in this letter they tried calling/texting/emails and sending letters to talk to me this if the first time ive heard from them I don't see how they can get £80.50 to £268.10 almost £200 in charges

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Im gonna bow out of this because i have concerns.

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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Why not just tell us the truth and you defaulted on the loan and now minimuppets are harassing you and adding on charges?

 

I say that because from the info ypu jave given us, thats whats happened.

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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Do not ring them, others have advised you what you need to do please follow the advise given.

 

Take the letter that was posted further up by renegadimp to your bank asap to stop the pdl from attempting to collect any payment.

 

Email ( use a different address like a throw away one) or write to the pdl and ask for

1. Date taken out

2. Full name of who

3. Date of birth of who took it out

 

You could send a sar which will cost 10.00 so you can get all info that they hold for you and request copies of all letters,emails,telephone log calls etc

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Ive never had any dealings with this company before any other pdl so im positive that someone else has done this in my name

on this letter at the bottom it says " legal action can be taken against you if you don't make payment infull within 10 days and your account details will be referred to credit reference agencies such action will adversely affect your credit score and your ability to receive credit in the future "

 

 

 

 

Is this something they can do or just blowing smoke? ive sent them a email asking for more information on who took out this loan but im still waiting for them to get back to me Im really quite worried if I talk to them on the phone that they will blame me for this when I don't even have need for a loan

Edited by Carl19
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You say you have never had any dealings yet you are willing to pay the charges or negotiate to reduce them.

 

Anyone else would be kicking off denying everything and getting action fraud and the banks fraud team involved.

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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You say you have never had any dealings yet you are willing to pay the charges or negotiate to reduce them.

 

Anyone else would be kicking off denying everything and getting action fraud and the banks fraud team involved.

 

 

ive talked to the banks fraud team, I just want this sorted I don't want to pay this back when its nothing I knew about

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yet you are still willing to pay the charges.

 

If you can get the facts of this story straight, i can definitley help you. There just seems to be too many random facts in it right now. Without solid information, the best we can do is give you general advice.

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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