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    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
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premier parking anpr pcn - overstay - Railway Approach Car Park, East Grinstead, RH19 1EP


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Hello all.

I am hoping that I can receive some useful advice from some of you on this forum, and I thank you in advance for any assistance you can provide.

 

I have recently been sent a PCN for parking in a pub car park.

The letter states that I had been sent the PCN because "Whole Period of Parking Not Paid For" to which I was confused, as I had purchased a ticket to cover my stay whilst eating at the pub.

 

I appealed the PCN (issued by Premier Park) via their online facility stating that I had paid for parking and that I believed I had paid for two hours duration.

 

My appeal was subsequently rejected, and Premier Park now stated that the reason I was being charged was because I had not paid sufficient costs to cover the period of my stay; I had only paid for one hours parking not two as I thought, and therefore had overstayed my time by 21 minutes.

 

Understandably, I am annoyed but essentially, it was my error, I should have checked the time paid for on my ticket but I was in a rush as late for the occasion. However, Premier Park had also made an error sending out the first letter stating that I had not paid at all.

 

I have contacted the pub that I stayed at (The Railway Tavern in East Grinstead) to ask if they can help on my behalf as Premier Park must be operating on the pubs behalf, but they are not exactly forthcoming in intervening.

 

Also of interest, the address shown on the letter for where I became liable for a PCN is not quite the same as the car park where I incurred the PCN. If one types in the address on the letter, it indicates a car park in a different area on the other side of the road, some 400 yards from where I stayed.

 

Where do I stand on this, do I pay them or can I ignore the letter even though accidentally I had not paid the full amount?

 

Additional Information

 

1 Date of the infringement: 23rd October 2018

 

2 Date on the NTK: 30th October 2018

 

3 Date received: Not sure, 1st or 2nd November

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? YES

 

5 Is there any photographic evidence of the event? YES

 

6 Have you appealed? YES, but I don’t have a copy at present.

Have you had a response? YES.

 

7 Who is the parking company? Premier Park

 

8. Where exactly: Railway Approach Car Park, East Grinstead, RH19 1EP

 

For either option, does it say which appeals body they operate under. Yes, they operate under the BPA

 

Here is a copy of Premier Parks response to my online appeal:

 

Dear Mr ****

 

Thank you for your appeal against the above Parking Charge Notice (PCN). We have carefully considered your appeal, however on this occasion the appeal has been rejected for the following reason;

 

Your vehicle overstayed your paid parking period by 21 minutes

 

You have now reached the end of our internal appeals procedure and therefore you now have two options;

 

You can pay the total amount due as shown above via the following payment options;

 

Call us on: 01302 513232

 

Pay online:

 

Send a postal order: Premier Park Ltd, PO Box 624, Exeter, EX1 9JG

 

You can appeal to an Independent Appeals Service, POPLA (Parking on Private Land Appeals) using the POPLA reference code provided above. Please note, should you decide to appeal to POPLA and your appeal is subsequently rejected or you withdraw your appeal, the option to pay a discounted amount will no longer be available and the full amount of the PCN will become due.

 

If you decide to appeal to POPLA, you will need to visit their website, where further details of how to appeal (either online or by downloading the relevant forms) can be found.

If you are unable to access their website, please call us for further information on how to obtain the forms. Please ensure your POPLA Reference Number, as noted above, is quoted on all correspondence to POPLA.

You have 28 days from the date of this letter to submit an appeal to POPLA.

If you appeal to POPLA we will suspend recovery activity on the PCN and the charge will not increase until the appeal has been determined.

By law we are also required to inform you that Ombudsman Services provides an alternative dispute resolution service that would be competent to deal with your appeal.

However, we have not chosen to participate in their alternative dispute resolution service.

As such should you wish to appeal then you must do so to POPLA, as explained above.

If you do not make payment or submit an appeal to POPLA within the relevant timeframe, the outstanding PCN may be passed to our appointed debt collection agency for further action. All costs associated with this process will be added to the amount outstanding.

IMPORTANT INFORMATION

Unless any additional relevant information or facts are provided, Premier Park Ltd considers this to be their final decision regarding this appeal.

Please note that all payments are subject to a 50p administration charge.

This message was sent from an unmonitored e-mail address. Please do not reply to this message.

GDPR – to view how we use and process your data and your rights, including how to object or restrict such use, please see our privacy policy available online at

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was this an anrp capture or a ticket on your windscreen?

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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can you scan up both sides of the ntk please to one multipage pdf please

read upload

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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hiow did you pay for parking? Is the place local to you? if so can you get pictures of the signage there.

 

You say that management not that helpful, who did you actually speak to there?

 

 

As you have jumped the gun by appealing the pub may be reticent to now do the decent thing but it is worth letting them know that you intend to take this further with either the brewery, your bank ( recharge on your debit card) and the council ( illegally placed signs making the liable tf or any enforcement action taken by council planning dept) and lastly they should know that you havent yet left a review of your stay on trip advisor, google etc and you will be leaving an honest review of the entire experience, not just how the beer of food was.

 

 

This may well have a useful effect for others but once left they cant undo what is done as their reputaion is already damaged so they wont want to help you. Let them know that you are giving them the chance to get PPC to drop the matter at their instruction and if they have no say then you let rip

 

 

the other thinmg you ahve done by appealing to them as the driver is make yourself liable for any made up charge they wish to add to your account when by not appealing you would have had the law on your side to stop then asking for more than the flat rate on the NTK.

 

 

Their NTK is not POFA complaint to create ANY liability let alone a keeper liability so that could be a saving grace. They fail to use certain key phrases and dont state who the creditor is, you have shot the stool away from your feet on the first part but that hasnt undone the fact they havent issued a lawful demand.

Edited by honeybee13
Paras
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well, get some pictures for starters and then do all of the things I suggested. Find out who the licencee is for the pub and go after them to get it cancelled. Let thme know their name will be mud over this if they dont at least try to call of the cowboys.

 

As siad, tell them you will do a chargeback on the card you paid their bill on as you didnt agree to apy £100 to eat there.

 

 

Read lots of other threads on private parking so you can understand why we say do this or that.

Generally once the parking bandits have a sniff of a cahce of getting some money they dont give up easily, you have made them think you are going to pay up by appealing before taking advice so you dotn contact them from now on until you have exhausted every other avenue eve if they get some lame dca to write scary letters on their behalf.

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