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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • 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
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Fred Bassett v MBNA


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I've never written to Wescot about this, at least not since Arrow took it over, but I did see them off when MBNA owned it. For the moment, I'm just going to play dumb and give Moorcroft the run around to see how heavy they get. So far on this account, I've seen off Iqor, AiG, Aegis and Wescot.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Was it in Alphabetical order ?

 

Aegis

AiG

Iqor

Wescot

 

Or did they perhaps just stick a pin in a list :lol:

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Uploading documents to CAG ** Instructions **

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Was it in Alphabetical order ?

 

Aegis

AiG

Iqor

Wescot

 

Or did they perhaps just stick a pin in a list :lol:

I have had the exact same letter this morning. I paid for a company called Credit Clear 2 years ago to take care of the sar request etc. I did get a copy of my agreement and CC said it was unenforceable but they are now asking for more money to act for me on a even though

I was told would never have to pay anymore. I refused to pay again but now getting worried about this action.

The account was opened in 2000! What do you think I should do?

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I have had the exact same letter this morning. I paid for a company called Credit Clear 2 years ago to take care of the sar request etc. I did get a copy of my agreement and CC said it was unenforceable but they are now asking for more money to act for me on a even though

I was told would never have to pay anymore. I refused to pay again but now getting worried about this action.

The account was opened in 2000! What do you think I should do?

 

Best thing to do Mulberry is to start your own thread on this one - you'll get all the relevant advice.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Was it in Alphabetical order ?

 

Aegis

AiG

Iqor

Wescot

 

Or did they perhaps just stick a pin in a list :lol:

 

Hmmmm.......

 

Mine went by:

 

Debt Clear Recovery & Investigations (MBNA)

Credit Solutions Ltd

Aegis

Restons

Wescot

 

and after some delay back to

 

Wescot - appointed by Global.

 

David

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So yours went D C A R W, or as we all prefer to put it, DCAs R W anchors!

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I've just had a letter from Debt Managers Ltd, when it was supposed to be Wescot, and, they're sending a doorstep collector all the way from Edinburgh!!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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There were a couple of famous bodysnatchers in Edinburgh, many years ago - Burke and Hare.

 

They'll be employing Burke, I expect.

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Got thread going about MBNA selling ours to Moorgate ! must have got the best deal as they have sent all letters and no probs atm as the amount is same as last statement from MBNA themselves and payment through dmp with no change requested :)

 

hope you all get sorted :)

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I've just had a letter from Debt Managers Ltd, when it was supposed to be Wescot, and, they're sending a doorstep collector all the way from Edinburgh!!

 

That's a long way to go for somebody to tell you to get stuffed.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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If they're coming all the way down from Edinburgh Fred, just ask them to bring down some sliced sausage, white pudding, haggis, McIntyres morning rolls and clouty dumpling .................. ooops and some macaroon bars! :lol:

 

Impecunious! :-)

 

You can take the girl out of Edinburgh but ............................

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It's not me they're after, it's Windywoo. In reality, they would probably find some local lackey to do it and I bet whoever that turns out to be doesn't have their heart in it - and that's if it even happens at all.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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It's not me they're after, it's Windywoo. In reality, they would probably find some local lackey to do it and I bet whoever that turns out to be doesn't have their heart in it - and that's if it even happens at all.

 

Can't wait!!:madgrin:

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Can't wait!!:madgrin:

 

Even from here I can tell that you're bricking it.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 3 weeks later...

i've been getting a lot of letters from DCA, I went off the rails about 18 months ago after a breakdown. I went on some what a blur which i am not proud of!

 

I took a load of pay day loans, maxed credit cards, overdrafts loans. I would say over 10,000 in total - not all at once.

 

I got my self sorted out and after 6 months i tried contacting some of them offering payment plans, a total of 9 creditors which i could spare 200 a month.

Most of them wanted more and would not stop the interest so my payments wouldn't go anywhere. I said i'll got to CAB and they said fine.

After a month or so, i went through a debt relief company and they tried again they would not freeze anything and my payments would go no where.

 

I told them to stick it and i've returned most of the post unopened. All the way through this i have been doing some research. DCA don't have the power to do anything, they can send who ever they like to the house but again they can't do anything unless informed by law.

You can revoke any invite to your property so they can be done of trespassing.

 

The biggest find was debt being sold, they act on the law of property 1925. However, they still don't have a leg to stand on and they will keep pushing you to make a new agreement with them which is then legally binding.

 

In T&C's it does state that the creditor may pass your debt to a DCA to chase this... "pass" is the key word.

For credit consumer rights act, there is no agreement between you and the purchaser of the debt. no signed contract, this does not always have to be the case but you have never agreed anything with that company or companies, no T&C's and all 3 parties need to have an interest in the debt

\what you will find on your credit report is that the original debt has been paid so they no longer hold an interest in you.

 

I have a lot of letters i have already used, if anyone would like me to post them i will

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i've been getting a lot of letters from DCA, I went off the rails about 18 months ago after a breakdown. I went on some what a blur which i am not proud of!

 

I took a load of pay day loans, maxed credit cards, overdrafts loans. I would say over 10,000 in total - not all at once.

 

I got my self sorted out and after 6 months i tried contacting some of them offering payment plans, a total of 9 creditors which i could spare 200 a month.

Most of them wanted more and would not stop the interest so my payments wouldn't go anywhere. I said i'll got to CAB and they said fine.

After a month or so, i went through a debt relief company and they tried again they would not freeze anything and my payments would go no where.

 

I told them to stick it and i've returned most of the post unopened. All the way through this i have been doing some research. DCA don't have the power to do anything, they can send who ever they like to the house but again they can't do anything unless informed by law.

You can revoke any invite to your property so they can be done of trespassing.

 

The biggest find was debt being sold, they act on the law of property 1925. However, they still don't have a leg to stand on and they will keep pushing you to make a new agreement with them which is then legally binding.

 

In T&C's it does state that the creditor may pass your debt to a DCA to chase this... "pass" is the key word.

For credit consumer rights act, there is no agreement between you and the purchaser of the debt. no signed contract, this does not always have to be the case but you have never agreed anything with that company or companies, no T&C's and all 3 parties need to have an interest in the debt

\what you will find on your credit report is that the original debt has been paid so they no longer hold an interest in you.

 

I have a lot of letters i have already used, if anyone would like me to post them i will

 

A good summary Robbo95, I think also it would be a good idea to post up your letters as it could well be use to many.

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Hello robbo, This is very interesting and takes a bit of the sting and threat away, so there is every chance that stressed people may avoid a more serious illness!Yes please post any letters, Many thanks Ro

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  • 3 weeks later...

I actually had a call from Moorcroft today. I couldn't believe it - mainly because it came through on my hub phone and I've never given that number out to anyone. I refused to go through the security questions, but I did think long enough to ask the woman on the other end of the 'phone "does this mean your call is valid even if not listened to by me"? She didn't have a clue what I was talking about.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 2 weeks later...

So all things considered, my wife and i have been put at a huge loss over the years, by MBNA Stealing money from our accounts under the guise of PPI Now they have sold the resulting dept to moorgate, who have employed ( i gather ) Arden, who keep phoning and which we ignore! we are still paying MBNA the token payment they accepted, What advise in view of Robbo's post above would you give ? To keep paying MBNA and not enter into an agreement with Arden? We are a bit at a loss as to the best option, if we have one! We have yet to try and claim back PPI from MBNA, The damage they did by their irrisponsible behaviour has a huge knock on effect to any small business, yet this seems to be totally disregarded. Any advise please? i would have dearly liked to have seen copies of Robbo's letters, but he appears to not have been on line for sometime! regards Ro

Edited by ro284
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Ro, best advice to be honest would be to start a separate thread on this. There are plenty of people on the forum who could advise you on PPI. Unfortunately, I'm not one of them!

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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