Thanks for the reply dx.

I noticed in another thread you mentioned that the poster should send a letter to the original lender stating that they do not want to deal with a DCA because they are abusive and threatening. Shall I proceed to do the same?

Hi I hope all is well and wishing everyone a happy new year.

I've just received a letter from Tesco stating that the debt has now been ''passed to their DCA Moorcroft..'' and that I should await contact from them within the next few days.

Shall I still continue paying Tesco? Or wait and see what moorcroft say?

yes, I found the plot but I can't find anything that states about the original parking period.

i've spent the last 30mins trying to find any information about this but I cannot find anything.

1 Date of the infringement  27.01.2020

2 Date on the NTK [this must have been received within 14 days from the 'offence' date]  31/01/2020

3 Date received  05/02/2020

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  Y

5 Is there any photographic evidence of the event?  Y

6 Have you appealed? [Y/N?] post up your appeal] Have you had a response? [Y/N?] post it up - N

7 Who is the parking company? MET PARKING SERVICES

8. Where exactly [carpark name and town] (841) Great Cambridge Road Retail Park Enfield

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

There are two official bodies, the BPA and the IAS. If you are unsure,

please check HERE - I'm not 100% sure but they have a complaints section and they mention BPA.

Tback Parking Charge Notice.pdf

Hi,

I received a PCN from MET for overstaying at a carpark.

90 minutes Free stay period.

Actual period of stay 110+ minutes.

It was a genuine mistake on my behalf I was catching up with a few friends and lost track of time.

We were at one of the restaurants at the car park.

Do I have a leg to stand on if I appeal?

Thanks, T

Oh wow. Hopefully it doesn't happen again, but if it does I'll keep that in mind!

Hi, 

I forgot to update the thread. We complained saying we didn't receive it to BP on twitter. After a few emails we got a letter saying they're going reduce the pcn to the initial amount. 

On 29/11/2018 at 17:35, renegadeimp said:

How long was the loan term. 1500 interest is extremely excessive and there's a few avenues open.

Hey, what avenues would she have? Still struggling with monthly payments and now some solicitors have sent her a letter saying she has 7 days to pay 2months of arrears. otherwise L2G will serve a default notice and look to reclaim the money by legal routes.

Yes, all of those were done just before our move too. We were at the old address for 5 weeks after the incident, surely it would've come during that period.

EDIT: I am speaking on behalf of my father btw.

We moved mid December and have had a redirection service put in place for mail too. I have no idea why we haven't received it.

1 Date of the infringement 04/11/2018

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Not received

3 Date received PARKING CHARGE NOTICE REMINDER Received today

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] Not received

5 Is there any photographic evidence of the event? Not received

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

Have you had a response? [Y/N?] post it up

N/N

7 Who is the parking company? MET PARKING SERVICES

8. Where exactly [carpark name and town] BP Stansted SF Connect, CM24 1PY

- - - Updated - - -

- - - Updated - - -

My bad, it doesn't mention 'fine'

Good evening,

I have received a letter from MET Parking Services starting that a fine is now overdue, the problem is, no initial letter was sent.

They are demanding payment within 14 days, what is the best way forward. I go to Stansted a lot and I'm not 100% sure the charge is genuine as it was from a few months ago.

Date of incident is the first week of November and this is the first letter I have received regarding this (today).

Hi,

I've just received another stating I must pay the whole remaining balance in a week, otherwise they will send it to their recoveries department to work out a payment plan or send my account to a debt collector or put a default on my credit file.

I have already agreed a payment plan for 6 months, are these just generic letters or do I need to reply to them?

Thank you.

Hi,

Got it all sorted and paying them on a pro-rata basis for the next few months.

They've also sent me a default notice and said the arrears on my account have to be paid within 28 days.

Is this just generic? Because they have acknowledged that I will be paying them pro-rata.

It will also ensure that you do not have any problems in the future if you become insolvent.

Just out of curiosity, can you expand on this please. Thank you.

That makes sense why they've asked for the balance of that account then.

Understood. So will it be worth her pursuing this with a IRL complaint? Also she said they only done a 'quotation and personal search' rather than a full credit check on her.

Full of defaults, yes. One credit card and a rather large bank loan.

Will forward that link to her.

Length, 18 months.

Edit: she just checked and said its mainly late payments on her accounts.

Will different credit report companies show up different results?

Situation is similar to mine in terms of she's been making reduced payments on her unsecured loan for 6+ months so it shows as payment has been made on her clearscore.

I'm sorry, I thought I deleted the original one. I tried to find a more appropriate sub forum for it.

Good evening all, writing this on behalf of my friend who is in need of some help.

She took out a personal unsecured loan 3/4 months ago with Loans2Go for £500 and the amount that needs to be repaid is a smidge over £2,000 (Crazy interest rates, is this legal?)

She's struggling with the monthly payments and will not be able to make this months payment.

What's the best route forward for her?

She also mentioned when she signed up they only sent her a CPA agreement and no documents about the loan T&C's etc.

Thank you

Understood, I'm just going to carry on paying what I said I will and I won't be replying to this letter.

Also, I'm moving homes but I have setup a Royal Mail redirection service, shall I inform them of my change of address?

Good evening all, writing this on behalf of my friend who is in need of some help.

She took out a personal unsecured loan 3/4 months ago with Loans2Go for £500 and the amount that needs to be repaid is a smidge over £2,000 (Crazy interest rates, is this legal?)

She's struggling with the monthly payments and will not be able to make this months payment.

What's the best route forward for her?

She also mentioned when she signed up they only sent her a CPA agreement and no documents about the loan T&C's etc.

Thank you

Well I guess I can pay more now after negotiating with my other creditor. I will inform them of this.

No need to tell them the balance with the other creditor, right?

Thank you once again.

I understand, I will keep you guys updated if anything changes.

Do you mean I have a slim chance of losing in court as I am still paying them all I can afford?

Also I've renegotiated with my other credit and dropped them down to a certain amount so I can pay Tesco equally.

Shall I just send them this new budget form with updated details of this and mention I will be paying them the new amount monthly?

Or just leave it all and just carry on paying x/month without replying like DX mentions.