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    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
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MMF - Still acting dodgy Wageday Advance


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Hi

 

10 days ago, I get sent an e-mail from MMF saying my debt is being referred to Moriarty Law. Ummm, OK then.

 

I replied saying, "I have no knowledge, please provide agreement etc". 4 days later, I get e-mailed a copy of an agreement from Wageday Advance. The signature is dated 23 November 2012 and the credit limit is £120

 

I then asked for statement of account, breakdown of charges and notice of assignment. On 23 March, I get a very simple breakdown saying the loan date is 1 May 2013 and the original loan value was £330

 

Those two don't match.

 

I asked if this debt was included in the redress scheme arranged between MMF and the FCA and was told it wasn't.

 

On Friday, I asked for the complaints procedure and for all debt collection activities to be halted; I got that today.

 

I will be asking for this debt to be included in the redress scheme and for all current and future collection activities to cease.

 

All I can say is, if you get an e-mail from MMF chasing debt ask for proof and lots of it.

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They were also stripped heavily of anything they could do. Theyre all teeth and no bite now.

 

Also, have you ANYTHING in writing ( not email)

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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Well today I got a response to my complaint. In part, it said:

 

We have reviewed the loan agreement which had been sent to you and can confirm that this relates to running account credit. The loan agreement provided shows your first contract with the business but as this is running account credit, further loans can be obtained under this agreement. We trust that this helps to explain why the details vary, however, if you would like further information on this, please feel free to query this via [email protected].

 

Surely, if a new loan is issued, a new credit agreement is issued too?

 

They have said this is their final response and invited me to complain to the FOS within six months.

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Me thinks they are in error as a running credit agreement is for things like a credit and store card accounts. That is you pay off parts that then increase the original borrowing level (Credit limit)

 

With a personal loan you either need an agreement to vary the original signed by you, or a totally new credit agreement.

 

Had this when i had dealings with providant doorstep loans and weekly collection. Was offered another loan with original still oustanding and had to sign a new credit agreement

 

Motor mouth finance are not very bright but wait for more comments as this is only my own personal experience

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MMF have gotten several default judgements in court recentlty by serving claimforms to old addresses.

 

 

that's all this is about..

 

 

we've won in court

here go read

now cough up mug.

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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