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    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 The Defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX BARCLAYCARD) Written notice of the assignment has been given. The Claimant claims 1.The sum of £2792 2. Costs   What is the total value of the claim? £2977  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   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. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
    • Hello and thanks for your answer. My car is the dark grey in the right lane, at the back of the first black one and in front of the other black one (that stopped right in the middle of the box and then moved to the left lane). It was my rear 2 wheels that stayed in the box, as I had to break suddenly. I said in my appeal that the traffic was freeflowing and it was only after I'd entered the box that something happened ahead, hence why I had to stop suddenly in order to avoid causing an accident. I think I won't be able to contest it on the law/highway code. Hence why I'm asking whether the issue of the recording/photos of the reg, is something I could use instead. I normally wouldn't bother contesting it but I've been driving on this road frequently for the last 20 years and this is the first time this has happened to me and it was genuinely because I had to break suddenly. If the traffic is stationary, I wait by the traffic lights *before* I enter the box. Do I have grounds to contest it on anything?
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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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