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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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Prestige Finance - Redemption Fees


dadofholly
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Hoping someone can help on something that is out of my area of knowledge.

 

Parents took out a secured loan with Prestige Finance in 2006 - regulated under the CCA.

 

The repayment period is due to come to an end a couple of months and so they only have a couple of payments left.

 

They had a letter in last couple of days informing them that they also owe £900 redemption and the figure has been calculated in accordance with the CCA 1974.

 

Can they make this extra charge even though the loan is not being paid off early?

 

Am waiting for a copy of the T&C's to see what they say, but can anyone give us an idea in the meantime - as we know not everything in the T&C's is lawfull anyway.

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Hi DoH,

£900 for removing the charge seems totally

unreasonable, you are right to get the Ts andCs,

have you seen the actual contract for this loan?

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Not yet Brig - have just seen a copy of the letter so far - only heard about this a couple of hours ago. Will hopefully get the agreement and T&C's in next day or so.

 

I thought the amount sounded a bit steep too.

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Way out imo maybe fees and £100 for admin would

be my idea of fair, unless they are adding a huge penalty

for the early redemtion, again unfair.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Sorry I missed the NOT in the post in that case it's well out of order.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

Have now managed to get hold of a copy of the agreement - but not the T&C's.

 

It states in the agreement that the total charge for credit includes

 

Interest

Brokers Fee

Legal & Documentation Fee

 

and that when these figures are added together with the loan amount, and divided by the months payable = equals the total repayable.

 

So i am asuming this indicates that there is nothing left to pay - there is no mention in the agreement of redemption fees - would i be correct in thinking that these would be included in the legal & doc fees?

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