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    • Ahh, discussion thread. Thank whoever. Forgotten what the points were  now, I will read and get back later.
    • I have completed answers as noted above.   Name of the Claimant ?  IDEM Capital Securities Limited Date of issue – 12 Nov 2019   What is the claim for – the reason they have issued the claim? a)      A credit card agreement made between MBNA Europe Bank Limited and the cardholder b)     Claimant purchased the balance on the account on xx/2016 c)      Cardholder accrued balance £5500 d)     Cardholder defaulted on payments e)      Claimant issued formal demand requesting payment on xx/2019 f)       Amount now due £ 5500 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 What is the total value of the claim? £6000 (now including fees) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Credit Card Do you recall how you entered into the agreement...On line /In branch/By post ? By post When did you enter into the original agreement before or after April 2007 ? July 1995 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes 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.  Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?  Yes Did you receive a Default Notice from the original creditor?  Yes -though I am unable to find a copy Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?  Unsure Why did you cease payments? Advised to as there was no enforceable CCA What was the date of your last payment? Feb 2019 Was there a dispute with the original creditor that remains unresolved?  Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  Originally informed MBNA that we were in difficulty and arranged a payment plan with them, they later sold the debt to Britannia Sarl (?) and we continued with the same payments, this was then sold to Moorcroft and we again continued the same payments. At some point later we contacted Moorcroft to advise our circumstances had changed and we offered a lower payment.  We were asked for income and expenses which we didn’t provide as we had contacted a debt help organisation who helped us work out what we could afford, however we did receive a letter on another debt at the same time accepting a lower payment (the circumstances were exactly the same – MBNA debt, sold to Britannia, sold onto Moorcroft) We continued with the lower payments.  In the last year we discovered that all our other debts were no longer showing on our credit files but this one was showing as continual defaults month on month. We contacted IDEM to ask why and they said the previous DCA hadn’t agreed to the lower payment and therefore we were continuing to default. At this point I sought advice from CAG and they advised me to ask for the CCA. I received a photocopy of the original application form and a page of Terms and Conditions that I was advised by CAG were not a CCA and I should stop paying.   I further received a pre-action protocol which I completed and returned and in response I received a notice of assignment, account statement and default notice  as I had requested, but they ignored the fact that I said they had provided an unenforceable CCA.
    • Just to update no reply from Marston regarding letter no further visit as yet.    
    • said that many times already.   time to move on me thinks   dx
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omc92

Meteor Parking 'ticket' Orpington Station

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Hi

 

,I have been looking at other posts and I am unsure what to do.

 

On Friday I parked at Orpington Station car park and paid £6 in advance online for my parking ticket.

 

It said my number plate will automatically be picked up

but to be sure i printed out my receipt to leave on the dashboard.

 

I returned to my car that evening to find a parking ticket!

 

I asked the man in the station and he told me that they have special 'sections' that you have to park in before 9.30am.

 

However throughout the whole online booking process i was not told this

and the worked at the station said theres a sign as you drive in but thats it!

 

I looked for the sign as you drive in but could not see it (probably due to overgrown bushes

and builders advertisement boards etc).

 

He told me i should appeal it as i did pay and a lot of people dont realise about the areas,

expecially if its their first time parking there.

 

However from looking on here everyone seems to be saying ignore it?

 

If i ignore it what is the likely outcome that will happen?

 

 

would anyone suggest appealing it?

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Who issued the ticket?

 

And what is the exact title of the ticket at the top (eg "Parking Charge Notice", etc)?

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Who issued the ticket?

 

And what is the exact title of the ticket at the top (eg "Parking Charge Notice", etc)?

 

The ticket is from a company called Meteor and the title is 'Notice of breach of terms and conditions of Parking at any car park owned or managed by Meteor Parking Limited on behalf of Southeastern'

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Sounds like a privately issued charge then. The advice usually given these days is not to ignore it. For advice, you'd be better off posting on the forum for private charges (or maybe one of the mods can move the thread). See here: http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?88-Private-Land-Parking-Enforcement

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Hi,

 

I have been looking at other posts and I am unsure what to do.

 

On Friday I parked at Orpington Station car park and paid £6 in advance online for my parking ticket.

It said my number plate will automatically be picked up but to be sure i printed out my receipt to leave on the dashboard.

 

I returned to my car that evening to find a parking ticket!

 

I asked the man in the station and he told me that they have special 'sections' that you have to park in before 9.30am.

However throughout the whole online booking process i was not told this

and the worked at the station said theres a sign as you drive in but thats it!

 

I looked for the sign as you drive in but could not see it (probably due to overgrown bushes and builders advertisement boards etc).

He told me i should appeal it as i did pay and a lot of people dont realise about the areas,

expecially if its their first time parking there.

 

However from looking on here everyone seems to be saying ignore it?

If i ignore it what is the likely outcome that will happen?

would anyone suggest appealing it?

 

The ticket is from a company called Meteor and the title is 'Notice of breach of terms and conditions of Parking at any car park owned

or managed by Meteor Parking Limited on behalf of Southeastern'

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OK, ticket on windscreen means that you can appeal as the driver of the vehicle

and your appeal is that you paid and that there were no conditions applied to your purchase at the time of purchase

and so anything else is not park of a contract you entered into and therefore not applicable.

they wont like this so will probably reject your appeal

 

the other option is to wait until meteor send out a notice to keeper and

 

this has be be between 28 and 56 days after the ticket is stuck on the screen.

before or after that and no claim against keeper, just driver and

you are not obliged as keeper of vehicle to name that person.

 

If they do write then appeal and if the appeal is rejected they should give you a POPLA number.

 

Many station car parks come under the Railways Act so PoFA wouldnt apply anyway

but metoer is owned by the railway companies and they would rather screw a few quid out of you

than seek to use their byelaws to fine you as they dont get that money.

 

If the signs are not visible then that is another reason for not forming a contract as insufficient notice

or signage means contract is an unfair one under consumer law.

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It's a private parking company, so it's just a speculative invoice. The markings on the ground are merely graffiti.

 

Wait for the Notice to Keeper to arrive (if one does at all!). If it does, appeal it stating you already paid and the sign wasn't visible on entrance to the car park. Demand a POPLA code with your appeal.

If they reject your appeal, appeal to POPLA with the code they gave you stating you paid. POPLA will accept your appeal since you paid.

 

Remember it's not a "fine". Only the authorities can issue a "fine". This is just an invoice.

Keep us updated.

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The important thing is that you paid to be there, the rest is open to dispute/appeal or a counterclaim by yourself.

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