dropoff

Jopsie Eccles says they were told to pay £170 or go to court

A mum has blasted the “ridiculous” £170 airport parking fine she received after a five-minute drop-off led to the threat of court. Josie Eccles had travelled to the airport with her husband, 33, to catch a flight to Malta with her mum and three-year-old son.

The 32-year-old claims her husband pulled into the drop-off zone at around 2pm, unloaded their luggage and said goodbye before heading off. But the couple later realised they had forgotten to pay the airport’s £5 drop-off charge within the required 24-hour period.

Josie says they accepted they would have to pay a penalty and even tried checking the airport’s payment portal for the charge – but no fine appeared. “My husband was there for under five minutes,” said Josie, a marketing consultant from Cheshire.

“A couple of days later, I was still in Malta and was speaking to my husband on the phone and asked if he had remembered to pay the charge. I was frustrated that both of us had forgotten to pay within the allocated window, but aware that these things happen and just accepted we would probably have a penalty to pay.

“My husband then checked the payment portal on the website where you usually pay the charge and entered the vehicle details, expecting to see a penalty fine, but nothing was there. I tried again a few days later, and still no charge appeared, so we thought we’d just wait and see if we got a letter in the post.”

But it wasn’t until almost two months later that Josie says she opened a letter from a debt collection firm. The letter claimed she had ignored previous correspondence and said the charge had risen to £170. Josie was given the option of paying the £170 in full or £42.50 over four months, while the letter warned the amount could increase further and potentially lead to court action.

She says she was stunned because she had never received the original parking charge notice. Josie said: “I was very confused, as it had been two months since the airport drop-off and I had received no correspondence at all so to receive a letter from a debt recovery company seemed rather extreme. At this point, I thought it must be a misunderstanding, and I would be able to resolve the issue by speaking with them.”

Josie claims she immediately tried to appeal the charge through Manchester Airport’s car parking operator, APCOA. But she says she received an automated response telling her that she had missed the appeal window and that the matter had already been passed to debt collectors.

She then called the debt recovery firm to explain what had happened. According to Josie, they told her that Manchester Airport had evidence that a letter had been sent to her on June 5. But when she asked whether it had been sent by tracked or recorded delivery, she was allegedly told it hadn’t.

Josie says this left her in an impossible position because the original letter contained the information she needed to pay the penalty. She said: “Not at any point did I try to get out of paying anything. I just wanted the opportunity to pay the initial fine, which would have been £60 if paid within 14 days.

“The only way I would know how to pay the penalty fine was by reading the instructions sent in the letter, so without the letter I had no chance of ever paying the charge before it was handed over to debt recovery. He said my options were to either pay the fine in full, which is £170, or I could seek independent legal advice and email in a dispute that they would look into it.”

In the meantime, Josie says she received two further letters threatening potential court action and warning that the amount could rise to up to £235. Josie claims she contacted the debt firm again and says a member of staff confirmed that her emails had been received but told her the company would not investigate disputes.

She says she was told her choices were to pay £170 or go to court, where the charge could potentially rise. She alleges she was then told that Manchester Airport would be responsible for taking any court action. Josie said: “I completed an online enquiry for Manchester Airport explaining I wanted to pay the £60 fine, detailed my communication with the debt company and reattached the dispute I had submitted to them with all the legal grounds.

“Within 10 seconds of submitting, I had received an AI response stating this had been handed over to debt recovery and I should liaise directly with them. I then forwarded that response along with my online enquiry submission to the complaints department, saying that was not an adequate response and I would like somebody to review the case so I can resolve this and pay the £60 fine.

“I have still not had any response or acknowledgement.”

Josie insists that she accepts responsibility for forgetting to pay the original £5 charge on 30 May but she believes the escalation is unfair because she claims she was never given the opportunity to respond to the original penalty.

She said: “I’m extremely frustrated. I hold my hands up; we forgot to pay the standard £5 charge within the next 24 hours, so a fine was expected, but to increase it to up to £235 was ridiculous. If I had been ignoring communication, it would maybe be justified, but I have responded to every bit of communication I have received, which surely shows I would have responded had I received the initial letter.

“I can afford to pay the fine; it’s not about financial difficulty. It’s about the principle of the system being set up to catch you out and the lack of reason they have. If the letter is so important, surely it would be sent tracked?

“Or at least they would try a few attempts before sending it over to debt collectors.”

She believes airports should introduce a free grace period for motorists who are only at the terminal for a few minutes. Josie added: “I’ve used Manchester Airport many times both before and after this encounter and always paid the drop-off charge on time.

“They’ll have a record of this on their system, which validates the fact I did not intentionally avoid paying. Sometimes people forget and these things happen. Other passengers could easily make the same mistake.

“It’s very easy to forget. There’s no option to pay at a machine or barrier while you’re there, so they are relying on people remembering to pay later on, which, whether you’re the person travelling through the airport or the person doing the drop-off, it’s easy to get distracted.

“I’m sure that’s why they removed the barriers, as they knew it would catch people out. The cars are logged using ANPR on their registration plates, so surely you should be able to pay on the same payment system even if outside the 24-hour window, with an additional penalty charge added.

“I think it’s ridiculous airports charge you for drop-off and pick-up. I think under 10 minutes should be free, but unfortunately all airports in the UK at least charge these days.”

An APCOA spokesperson said: “We have been in contact with the customer and offered the original charge of £60. The customer has since made payment of the £60, and the matter is now resolved.”

Manchester Airport has been contacted for comment.

ST. CLOUD, Fla. — Florida chef Elijah Button was chopping onions in June when his knife slipped and sliced his middle finger to the bone.

It was his worst kitchen accident to date. But having given up his Affordable Care Act health insurance plan in January because of a $100 monthly premium hike he couldn’t afford, the 21-year-old in St. Cloud didn’t have the money for emergency care.

“Going to the hospital for it wasn’t even an option,” he said, gesturing toward his finger before preparing a pot roast for his aunt and uncle in their suburban home. “My first thought was, ‘how am I going to fix this?’”

After Republicans in Congress let enhanced federal subsidies for Affordable Care Act health plans expire in January, millions of Americans including Button had to decide whether to keep insurance that often doubled or tripled in cost — or risk going without it.

Months later, with no action from lawmakers to replace the lost funds, they’re facing the consequences. Some are dealing with strained budgets and exorbitant medical bills, while others avoid the doctor in fear of the cost.

Florida, whose large population of gig workers, entrepreneurs and small business owners relies heavily on the federal health insurance marketplace, has become one of the nation’s most visible epicenters of that impact.

Figures first reported by The Associated Press showed that about 440,000 Floridians dropped their Affordable Care Act plans this year — more than in any other state. Thousands more who kept coverage are struggling to get by, as prices of necessities like groceries and gasoline remain steep, and health insurers project another year of double-digit premium hikes.

While Florida had the most affected residents, its struggles are reflective of broader nationwide concerns over rising healthcare costs and a lack of meaningful policy to address them.

In the deep-red state where congressional districts were recently redrawn to strongly favor Republicans, the cost of healthcare is a major campaign issue. Republican midterm candidates have been promoting fraud crackdowns to protect federal health programs, while Democrats have been urging voters to help Congress change hands so they can restore subsidies.

Button, who is estranged from his parents, asked his uncle for help with his bloodied finger. With a butterfly bandage, splint and daily cleanings and dressings, it healed. But the scar still gnaws at Button as a symbol of what else could go wrong.

“It just feels like I’m living in a house of cards,” he said.

Florida’s population and politics make it ground zero for ACA fallout

Last fall, debate over the expiring subsidies consumed Congress, resulting in a record 43-day government shutdown as Democrats insisted on extending the COVID-era assistance and most Republicans refused.

Fast forward almost a year and lawmakers rarely reference the topic anymore. The administration says it is addressing affordability with fraud-busting efforts and deals with drug companies, but Congress hasn’t passed any significant legislation to lower health costs.

In part due to its large number of construction, hospitality and small business workers — and also because its Republican-led legislature never expanded the Medicaid safety-net health program — Florida has the largest Affordable Care Act enrollment in the country. At just over 3.8 million enrollees, it represents about a fifth of the nation’s total enrolled population.

Of the roughly 443,000 Floridians who left the marketplace, most are likely going without insurance, according to Cynthia Cox, a vice president at the healthcare research nonprofit KFF. She said that’s because it is typically a “place of last resort” to get coverage.

The data doesn’t tell the stories of those who kept insurance. Tracy Rand, a licensed mental health counselor in Leesburg, Florida, is one of them.

Ever since getting her ovaries removed last year due to benign but painful tumors, she has had severe menopause symptoms that require medication, including an overactive bladder and hot flashes that cause piercing headaches.

She uses clear plastic containers to organize the more than 30 medicines and supplements she takes daily, their bottles crammed into a living-room drawer and a tray on her kitchen counter.

The 51-year-old’s Affordable Care Act plan was going to surge in price this year from $55 a month to $1,100 a month, so she downgraded. Her new plan, with higher deductibles and copays, costs $160 a month.

To make that work in her budget, Rand quit a doctoral program she was working toward, started buying groceries at cheaper stores, gave up once-monthly dinners out with her husband and stopped meeting friends regularly at a paint-your-own pottery studio.

It’s been a difficult adjustment, but a necessary one for her health.

Rand said the prospect of insurers raising rates again fills her with dread.

“I don’t know what else we can get rid of,” she said, covering her face with her hands. “I don’t know if we’re going to have to file bankruptcy.″

Clinics for the uninsured are a saving grace — but they can’t take everyone

In Orlando’s leafy, brick-paved neighborhood of Colonialtown South, Tarsha Watson found her lifeline. A clinic there called Grace Medical Home provides low-income, uninsured Floridians with comprehensive care for a $5 per-visit fee.

Watson, 54, has a master’s degree in business administration, but she hasn’t been able to find work since losing her job two years ago. That means she doesn’t have health insurance. When she explored Affordable Care Act coverage, she was quoted $600 per month, far out of her reach.

At Grace, Watson learned her blood sugar is high and that she needed to lose weight. Now, she walks laps around her backyard pool and does Tai Chi YouTube tutorials to focus on fitness. She said she wishes everyone could have her experience.

“It’s very hard out here,” she said. “It’s not enough.”

At the clinic, patients cycle in and out of a wide hallway lined with appointment rooms as doctors scan supply shelves for complimentary over-the-counter medications. The expansive building has separate areas for dental, mental health, vision and pediatric care.

CEO Stephanie Garris said it’s one of 110 free or charitable clinics in Florida, but that’s not enough to handle demand. To treat more people in response to the Affordable Care Act changes, it recently started hosting a mobile acute care clinic for walk-in patients.

Garris said Grace Medical Home treated about 1,350 people last year. Every year, they take about 350 new patients.

“Would I love to double that, triple that? Of course,” Garris said. “I just think in the reality, with the huge number of uninsured that we have, it’s just not possible.”

Health costs become an issue in midterm campaigns

For U.S. Rep. Darren Soto, a Democrat defending his seat in a sprawling — and now much redder — redrawn district south of Orlando, health costs are a campaign focal point.

He said his district, which is near various theme parks, had the second-largest Affordable Care Act enrollment in the nation, in part because many small tourism businesses can’t offer employees health insurance.

“I just hear it everywhere I go,” he said. His Republican opponent, Navy veteran and former Trump administration official Dan Green, did not answer emailed questions about the subsidies but has emphasized affordability of groceries and property insurance as campaign priorities.

Soto voted with Democrats and some Republicans — including a few from Florida — to save the subsidies last year. The Republican majority declined and suggested other ideas, including funding Americans’ health savings accounts. No law along those lines has passed yet.

Button, a Democrat in Soto’s district, said he is open to different reforms for health costs, but said politicians aren’t acting fast enough.

“They keep trying to make excuse after excuse,” he said. “I don’t have six months to a year to wait for you guys to pass this through the hoops that you need to.”

Swenson and Martin write for the Associated Press.