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    • Thanks for posting up the back of the NTK. The good news s that as it does not comply with the Protection of Freedoms Act, it means that you are not liable for the charge as the keeper as I explained in a previous post.  The PC fails for two reasons. The first is that it does not specify the period of parking. All it does is list the arrival and departure times of your car. Obviously that does not include the time taken to drive to the car parking space, manoeuvre the car into the space and later drive from the space to the exit. Nor does their times include things like getting kids disabled people out of and into the car as well as things like returning the trolley whilst still being parked. All of which can add a fair bit of time to the parking period which can then be subtracted from their ANPR times and makes your actual parking time a lot shorter than 118 minutes they seem to think it is. The second reason is that they failed to ask the keeper to pay Schedule 4 Section 9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges You as keeper are now in the clear which is a good reason for you to contact Sainsbury  stating that you are being pursued as the keeper when you are not liable under the Act as well as the oher things I suggested in my previous post. If you don't get it cancelled with Sainsbury this could drag on for months with endless letters unlawfully pushing the price up to scare you into paying.  
    • Brilliant! That's great to hear and honestly pleased I'm wrong, my advice was out of concern. I checked some of your previous posts last night and you've been giving great advice to others at times. Bringing a claim can be serious (counter-claims etc) and it didn't appear you were knowledgeable based on posts so far. Far from an expert myself, just interested and will try to help. I'll sit on the sidelines, best of luck with the claim!
    • Thank you so much for the advice  I will try and up my savings to £500 for the next 6 months. Although I do still have an uphill battle, I feel more able to deal with it.  I hope my experience with the cifas marker helps someone else who finds themselves in that quite horrible situation. It is a huge weight off my shoulders getting it removed.
    • Believe it or not, fully familiar with the County Court process. My posts were seeking confirmation by asking questions, nothing more as an aid to people who look at this thread in the future. People should not jump to conclusions.
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Close Brothers issued Default Notice & £30 penalty after one missed Payment on Home Ins Finance


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Hello Everyone.

As per the thread title.

I had one "bounced" direct debit to Close Finance.

 

They have immediately issued a default notice.

 

This is the first missed payment on a insurance repayment account in around 13 years.

 

They are enforcing a "we may charge £30.00 for a missed payment.

 

As before any help, comments and advise would be welcome.

 

Thanks

Regard t

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insurance repayment account?

 

 

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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motor insurance

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 crew Ted.......they have their own laws and legislation.

 

Its a bad agreement when you read their T&Cs...I always opted for full payment in cash once I knew this crew was behind the finance.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?472910-Close-Brothers-insurance-Finance-%A330-missed-payment-fee&highlight=close+finance

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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the 13yrs confused me.

 

 

you haven't been with them 13yrs?

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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I have had the insurance annually for that time, always with close, I cannot recall actually having an agreement with them, as the insurance is arranged with a broker

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you're not in a credit agreement with them are you?

Please see my previous post, not sure if I have a signed agreement. I am concerned that they have been a bit hasty with the DN

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Check your CRA,s just because they sent a DN for 1 missed payment...you should have 14 days to rectify the default...but you state you have now made alternative arrangement ?

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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Thanks Andy

Yes, I will check CRA. Previously, no listing for Close account on my records. I paid the broker the full premium Broker said they have told Close no need for DD account, as full amount has been paid. I have NOT paid their £30 charge!

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  • dx100uk changed the title to Close Brothers issued Default Notice & £30 penalty after one missed Payment on Home Ins Finance
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