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    • Ok so to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage.  I have ignored these debts as I'm aware of the statue barred system.  Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts.  I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer.  It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward.  I maybe up for full and final but the accounts equate to £1000 roughly.  Can someone advise me on the best option for these without judging.  I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA.  I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor.  Sorry for the long read but this is massively important I avoid a CCJ. 
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    • Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown:   MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33   Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.      
    • Hi dx100uk Thanks for reply Have downloaded all bank accounts going back to 2012, checked same for JDWilliams/ J D Williams/ Williams and can find no indication of payment at all to any name or similar But Express Gifts ( Studio Cards? ) according to bank statements made last payment ( £35 ) on 24/07/2013. The reference numbers shown by Lowell do NOT match the account numbers shown on my credit file?   Once again many thanks for help Trace
    • When you list your debts, can you include  the approximate month/year you took out the account or loan.  Also when the accounts were defaulted, if you have received a default notice and could not pay the amount on the default notice.   If you have Government debts such as Council Tax, please state the current position.    Are you currently working ? Do you claim any benefits  ? If you are on low income, have you applied for any help. It would be Universal Credit now and not  Council Housing Benefits, unless you have any existing Housing Benefit claim.    
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okbhav

MET ANPR Stansted Starbucks/McDonald

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Good morning, I hope that you are able to assist with a parking charge issue notice that I believe has been unfairly issued.

 

Apparently, the reason for the issue is that the driver left the premises (Code SPC) in that they walked 50 feet to a McDonalds on the same site. The signage is one of 4 that are used on the same site, all look the same except with different terms and conditions.

 

The "evidence" in this case is still images from a CCTV system.

 

The area referred to on the signage is not clear.

 

[ANPR camera capture]

 

please answer the following questions.

 

1 Date of the infringement 19th December 2018

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 14th February 2019

 

3 Date received Arrived in post yesterday AM 16th February 2019

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] NO

 

5 Is there any photographic evidence of the event? Yes

 

6 Have you appealed? {y/n?] post up your appeal] YES

Have you had a response? [Y/N?] YES- Refused

 

7 Who is the parking company? MET Parking Services

 

8. Where exactly [carpark name and town] Southgate Park, Stansted (Retail site at Stansted airport shared between McDonalds, Starbucks)

 

For either option, does it say which appeals body they operate under. Mentions POPLA if appeal received within 28 days

I would be grateful of any advice that you could offer.

 

Regards

CCtv (4).jpg

CCtv (8).jpg

Refusal.jpg

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oh no the 'you left our car park police'..

 

I see you've read this thread

https://www.consumeractiongroup.co.uk/forum/showthread.php?486036-MET-Parking-charge-Southgate-Park-Stansted&p=5178472#post5178472

 

did you read all of it? ..post 12

if so i'd now ignore things until/unless you get a letter of claim from of there fake/tame paperwork only solicitor.

shame you appealled and identified? yourself as the driver..mind..


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Hi

So, the ANPR capture was 19/12/18 and you get the letter 16/02/19!

 

They are out of time for any action to be taken. With ANPR capture, they must contact the keeper within 14 days so I would just ignore them.

 

EDIT:

Just realised you have already appealed. What was the date of the first letter, not the one above?


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First notice arrived on 16-Feb-2019 in post.

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First notice arrived on 16-Feb-2019 in post.

 

I don't quite follow. If the first letter you received is the appeal refusal, what was there sent to you to know that a contravention had taken place?


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can we see the NTK please..

this might not be ANPR

 

scan to PDF only bothsides in one PDF only

read upload


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attached appeal refual came in e-mail dated 19-Feb.

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need the NTK Please


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I apologise if I seem to be a bit dim with this case.

 

You are saying the first letter you received was on 19th of this month but you say you appealed and it was refused.

 

Did your car have a ticket attached to it? If so, is that when you appealed?


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I apologise if I seem to be a bit dim with this case.

 

You are saying the first letter you received was on 19th of this month but you say you appealed and it was refused.

 

Did your car have a ticket attached to it? If so, is that when you appealed?

 

My car did not have ticket attached to it.

NTK (dated 14-Feb) arrived in post on 16th Feb 2019.

I appealed on the same day - Online.

Appeal Refusal arrived in e-mail on 19th Feb 2019.

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Thanks. That is what I thought. Shame you appealed. The Notice to Keeper is well out of time and MET would be very stupid to take this further.


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Just one other thought. They have given you a POPLA code. You could use it and appeal to them. Stating that the NTK did not arrive within 14 days should be a slam dunk and chances are that MET won't even contest it. They cannot prove they did issue in time as you have the proof they didn't.


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bet they didn't ticket the ambulance..

so not ANPR capture then but CCTV.


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bet they didn't ticket the ambulance..

so not ANPR capture then but CCTV.

 

I can see ANPR images for entry and exit. But they have cctv capture for my moments.

Shall i just ignore?

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not ever seen them take one of these leaving the car parked and walking out the area the ticket covers, taken to court.

 

cant see how they can...you paid to park a CAR, where the occupants go is totally immaterial

they cant restrict a persons movements..it's a free country.


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What was in your appeal to them, did you ID the driver or not?

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I can see ANPR images for entry and exit. But they have cctv capture for my moments.

Shall i just ignore?

 

already answered in post 2 what to do even if you did ID yourself as the driver.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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this is one to take to the ICO as I would bet that no-one has permission to use the CCTV in this manner and anyways the so- called rwmaining on site term has been trashed in court as meaningless and thus an unfair contractual term, which voids the whole contract.

Now the ICO used to show what each company registed as data processors could do but I cnat find this resource so they have presumably moved it. CCTV is not the same category as ANPR and has its own ombudsman.

However, that all takes time and in the meanwhile MET will be bothering you for money so avoid any further correspondence and blacklist their email as spam so they dont continue to try and contact you tyhat way.

 

As said above you shot yourself in the foot by appealing whne they had no reason to even ask the DVLA for your keeper data as they were timed out to do so but no-one will punish them for lying and no-one will punish the DVLA for being stupid b by not having any sort of quality control on the automated access to their database.

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