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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
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    • We have finally managed to obtain the transcript of this case.

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pinkduchess v HSBC


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as its friday......

 

A fellow was reading the paper one day lamenting the fact that his

doctor has ordered him to lose 75 pounds. Next thing he sees is an

advertisement for a guaranteed weight loss program. Guaranteed like

heck, he thinks to himself. But lets see what they think they can do.

He calls them on the phone and subscribes to the 3 day, 10 LB weight

loss program.

The next day there comes a knock at his door, and when he answers,

there stands before him a voluptuous, athletic 19 year old babe

dressed in nothing but a pair of Nikes and a sign hanging around her

neck. She introduces herself as a representative of the weight loss

company. The sign reads, If you can catch me, you can have me. Well,

without a second thought he takes off after her (like who wouldn't).

A few miles later, huffing and puffing, he finally catches her and has

his way with her. After they are through he kisses the girl one last

time and thinks to himself with a nod, I like the way this company

does business.

For the next two days, the same girl shows up and the same thing

happens each time. On the fourth day, he weighs himself and, sure

enough, he has lost 10 pounds. Deciding that he likes his somewhat

more slender physique, not to mention the method of treatment, he

calls the company back and subscribes to their 5 day, 20 LB weight

loss program. He thinks that losing 20 pounds in only 5 days seems

like a lot, but he is intrigued by what their workout schedule might

be like this time.

As expected, the next day there comes a knock at his door. When he

answers it there stands a 22 year old knockout dressed in nothing but

a pair of Reeboks and a sign hanging around her neck. She is simply

stunning, the most beautiful woman he has ever seen. She introduces

herself as a representative of the weight loss company. The sign

reads, If you can catch me, you can have me. He's out the door like a

shot. This gal is in excellent shape and it takes a while to catch

her. But when he does, it is worth every cramp and wheeze. She is

wonderful, the best he has ever had. He is really looking forward to

the next four days... For the next four days, the same girl shows up

and the same thing happens each time, much to his delight. On the

sixth day, he weighs himself and, unbelievably, he has lost another 20

pounds. I love this company, he thinks to himself, I never knew

losing weight could be so easy and so much fun.

Feeling much better about himself, he decides to go for broke and

subscribe to the companies 7 day, 50 pound weight loss program. Are

you sure, sir? asks the representative on the phone. This is our most

rigorous program. Absolutely, says he, I love your program. haven't

felt this good in years! The next day there comes a knock at his

door and he enthusiastically answers it. There stands before him a 200

pound perfect specimen of a man dressed in nothing but racing spikes

and a sign around his neck. He introduces himself as a representative

of the weight loss company.

The sign reads, If I can catch you, I can have you.

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as its friday......

 

Oh gawd! roll on Saturday......... :lol:

 

Just kidding PD .....smashing joke!:D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi PD

 

Thanks for the PMs.

 

We're going to lay this ghost together aren't we?

 

Oh dear, having said that, Pete will come up with something won't he?

 

Have spent the day getting my parachute account set up for internet banking - it's working - it's in credit:D but only thanks to Vandermerve minor who spiked it. VDM major, regrettably, doesn't give a stuff about his Dad - which I can handle - or his mother (which, actually, I can't handle:()

 

What's all this about Freaky and a deer joke? I've been swapping a few with him on a newbie's site (Shonk) and he's sounding a bit frisky.

 

Good oke is Freaky - doesn't take offence about rugby comments:D

 

I really loved your joke - honest - I really appreciate those where the sting's in the tail. Oh, b****r I've done it again - really pd I'm not doing the double entendres on purpose

 

Wait for me tomorrow.

 

Van

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Was it something I said on Crusher's thread Jo - has everybody gone home? :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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I dunno. I sort of expressed how I felt on the 90,000 thread. glad your here though, I was starting to get a bit worried.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Thanks Jo, glad your here too - I just thought we were maybe monopolising Crusher's thread without him joining in...........:eek:

 

Still , it is the week-end I suppose! That's probably why it's gone quiet - :)

 

PS -showing my ignorance here jo - what's the 90,000 thread?

 

It' s ok! .

I've just found it !! Doh!

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Castlebest created a thread coz the HSBC was nearing its 90,000 post. It went a bit mad. Here it is if you want to have a bit of a giggle:-

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/114987-90-000-posts.html

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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That was bliddy marvellous (as Auburn would say) - you are mad you lot - but funny with it, - I've just had a great laugh ..........:lol:

 

Well done for starting it , Pete, - well done for finishing it Freaky! And well done the rest of you for filling it in. :grin:

 

I had to go out, I'm so sorry I missed getting a post in - Drat! :!::)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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the only thing that wans't answered was Aud's post. I think that she was starting to tell a joke (well I hope she was) and then got swept away with all the fun of trying to get to be the one who did the 90,000 post.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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I'll bet her fingers are as sore as her foot now wi' all that frantic typing ! LOL!

 

And as it was mostly numbers we wouldn't know if she was doing her usual anagrams.............. Oops ...... I thin kI'll be in trou ble again when she reads this .....;)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Good Evening PD :)

 

Yes that was a tragic situation...... difficult to judge ...:(

 

 

I take it you missed the 90,000 posts as well , I've just laughed my socks off at the frantic keying that must have gone on...... or pmsl as auburn would say. :lol:

 

Nice to have you back, PD & Pete - Jo and I thought we had missed the 4-minute warning earlier on..... there was nobody around!

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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