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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Barclaycard and new Government legislation


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Hello, can anyone help please?

 

As part of new City regulators affordability rules I'm about to have my barclaycard (£6000 balance) taken away from me as I'm only meeting the monthly payments and never clearing down the balance. Barclaycard wrote to me and asked for £750 a month which is way out of reach on my income. 

 

Having been around this site for many years I'm very reluctant to speak to them, does anyone have any advice on how I should proceed here? This card is around 5yrs old and I'm committed to paying off the debt. Stopping the interest and agreeing a payment plan would suit me but will they go for it? Should I let it default and just deal with the debt agency? 

 

Any advice would be most welcome.

 

many thanks

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Not really new was introduced in Sept 2018......

 

 persistent debt for 18+ months... lenders must contact customers, prompt them to change their repayment and warn their card may be suspended if they follow the same repayment pattern. They must refer to any debt advice available.
 

persistent debt for 27+ months... They will be sent a reminder of the information above.
 

persistent debt for 36+ months... lenders must offer customers a reasonable way to repay their balance. If customers are unable to pay, the FCA says the firm must show 'forbearance' and may have to reduce, waive or cancel any interest, fees or charges.

 

https://www.fca.org.uk/news/press-releases/new-credit-card-rules-introduced-fca

 

Andy

We could do with some help from you.

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why don't you send them our pro rata letter in the debt collection section of our library.

that way it puts them to notice of how you are proposing to deal with you debt and if they don't help (as they must) by freezing int and charges, you then have a stick to beat them with?

 

I agree with your default thinking, the quicker they default this (which they should once), the better it is for you in the long run financially and credit file wise.

 

as for any DCA, until/unless BC sell it on, rather that just get a DCA to pointlessly chase you should they not agree to the above, you ignore any DCA

they are NOT BAILIFFS.

 

 

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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pers i'd insist they default you and mark the debt as such.

don't wait for them to agree

pay what you said when you said

then see if they agree to your terms

id not letter two time that's there as well.

 

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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What's  your minimum monthly contract payment at the moment ?

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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They have requested I pay £750 a month to reduce the balance, I currently pay £140, but never pay anything off, just keeps the card alive.

 

To be honest they're doing me a favour, if they agree to £135 a month, stop interest and fees it will be cleared in 4yrs.

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Its entirely your choice which way to go with this and if you wish to retain the use of the card and avoid a default.....or lose the use and accept a default.

 

A couple of points to bear in mind though...the T&Cs of the agreement at inception stipulated the payment arrangements ..the minimum payment and % of balance that would have to be paid to to comply with the current T&Cs....which you are complying with.....so you have not breached the agreement nor is there any reason for the service to be terminated.

 

You have not been issued with a revised agreement not have the T&Cs been amended.

 

Just because some half baked scheme as been dreamt up to deal with persistent debt balance does not exclude it from complying with the CCA19974 and falling foul of section 140 A   Unfair relationships between creditors and debtors.

 

http://www.legislation.gov.uk/ukpga/1974/39/part/IX/crossheading/unfair-relationships

 

You cant move the goal posts half way through the match.

 

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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