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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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New payday loan survival guide by mike dailly-govan law centre./ correct at 22.09.2015


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Sunday, 14 July 2013

 

How to tackle payday lenders: GLC's new Payday Loan Survival Guide

 

listen_en_uk.gif

Screen+Shot+2013-07-14+at+17.58.25.pngWith 90% of the payday lending market failing to comply with consumer protection laws to the severe detriment of vulnerable consumers, Govan Law Centre (GLC) believes there is now an urgent need to help people in the UK to fight back against payday lenders.

 

The payday lending market was recently referred to the Competition Commission, and in 2011/12 there were 8.2m new payday loans made in the UK alone. There is every expectation that this number will continue to rise, and with it the financial exploitation of consumers across Great Britain and Northern Ireland.

 

GLC has therefore decided to publish a free 'Payday Loan Survival Guide' for consumers across the UK. Our new guide explains how consumers can take back control of their finances, challenge unfair interest and charges, stop payday lenders from emptiying their bank accounts, and pay back debts legally due on a reasonable and affordable basis. The guide has been written by GLC's Principal Solicitor, Mike Dailly.

 

Govan Law Centre's new Payday Loan Survival Guide is designed for all consumers across the UK in difficulty with payday loans, and can be downloaded here (as a PDF) for free.

 

Our guide is free. It has been produced without funding, and we will be posting a link where charitable donations to GLC can be made by those who would feel able to help our work in this field. http://govanlc.blogspot.co.uk/2013/07/how-to-tackle-payday-lenders-glcs-new.html

Edited by tawnyowl
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Thanks for this Tawnyowl

 

Love the avatar :)

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you so much.

I am glad you like the avator.

One of the CAG members told me how to do it and helped me put it on some time ago.

I can not recall who, age and the mists of time are my excuses.

I think it may have been SOD-EM.

Definitely a member but also a general reference to Legal Loan Sharks some may say.

Anyway good on you Mike Dailly.

Sharkbiter,extreme.

The peoples champion.

The piece will help many.

Should get a medal and a song for writing such a piece.

Mind you he was or is Scotlands solicitor of the year.

Should be the solicitor of the decade.

I will now shut up and retreat to my perch.

Edited by tawnyowl
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You beat me to it Tawny. I was just about to put this on your thread. :-)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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TOOTHFAIRY are guilty of misselling right away. Their website boasts this - we welcome all customers, regardless of your situation, employment status or income level. You’ll find that we don’t try to tie you in for years, sell you extra products or charge any hidden fees. A letter offering repayment of the original loan of £400 without interest on the way! ..as they now want £2400! we must make it not worth their while lending. A huge thank you for this invaluable guide:)

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a worth while piece of work. will be donating, def worth it.

 

Just to make sure credit goes where it's due, this was produced by Govan Law Centre.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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  • 2 weeks later...

What about mis-selling on the basis that they seek to improve credit rating but they infact damage credit ratings due to being payday lenders....is there a guide or advice anywhere for that?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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That had occurred to me...but....first they would need someone to take them to court for a test case presumably...

 

e.g. credit rating score of 1 out of 5...and just because you are working they give you a loan. So much for them doing proper credit checks! Martin Lewis should be the one to know if they can be done for mis-selling they would all be guilty and that would be the end of them...

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I had an e-mail sometime telling me that having one from a company beginning in V I can't remember now but saying that if I took it that it would improve my credit rating which I thought was great for a small price.....surely if that's the basis in which someone took a loan out and it isn't the case, especially given that the lender has the resource and knowledge of the industry to know this isn't the case then they've mis-sold the loan??

 

I might be being a bit too simple here......

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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What about mis-selling on the basis that they seek to improve credit rating but they infact damage credit ratings due to being payday lenders....is there a guide or advice anywhere for that?

 

Do you mean even if you pay the loan off,the fact that the loan came from a payday lender can harm your credit rating.

And maybe other firms take the view-Bit dodgy this fellow he needed a payday loan.

I read somewhere people were turned down for a mortgage due to the fact they had taken out a payday loan in the past.

Found it.

http://uk.finance.yahoo.com/news/payday-loans-could-cost-mortgage-141535900.html

Perhaps a wise one will come on and answer your question.

Very interesting.

If so it certainly needs looking into

And may make some think hard about taking these loans.

Payday loans could harm your future.

When life takes a turn for the better.

Edited by tawnyowl
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Yeah everything repaid on time all hunky dorey.

Absolutely firms must take that view that its a sign of desperation and I've found articles that suggest pre 2012 payday lenders were classed as loans all the same so creditors wouldn't really know the difference but then things changed and CRA's classed them differently so it would, as you've said have that impact as a negative (with a slight twist of sugar that you've repaid on time).

 

Yet they continued to advertise that they would improve your credit file.....surely thats inaccurate leading consumers to take a decision that they wouldn't have otherwise taken.....

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Following it through...mis-selling normally applies to ppi - in which cases people got all their ppi money back. mis-selling of loans?...would everyone get all their interest charges back? Lovely thought that, everyone would suddenly become wealthy, and the economy would improve immediately as more cash can be spent properly...

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Again I might be simple but it depends the damage the individual suffered and the nature of the decision taken so I'd say something re credit file either remove entry or compensate for incorrect advice.....surely they're regulated by COBS which provides that they treat consumers fairly? Could it be a breach of contract that they make misleading statements in their adds which led you to take a decision?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Again I might be simple but it depends the damage the individual suffered and the nature of the decision taken so I'd say something re credit file either remove entry or compensate for incorrect advice.....surely they're regulated by COBS which provides that they treat consumers fairly? Could it be a breach of contract that they make misleading statements in their adds which led you to take a decision?

 

Hi orfoster Both your posts make perfect sense to me.

This part of the payday loan problem i had really not looked at before,but will now.

I had not even heard of COBS before.

Is this it. http://fshandbook.info/FS/html/handbook/COBS

Interesting thoughts from many

Let us find out.

Warnings should be issued in their shops.This loan could cost you your future dream,a house.Many things

Many credit agencies seem to group payday loans,if you have had them in a separate group on your credit file.

Someone comes along when you want further credit,perhaps in the future,sees this toxic product,goes into shock,and declines.

It will have possibly been covered before but thanks orfoster.

Let us get to the bottom of this.

What can be done,re the thought about you sold me this loan,no warnings were given about possible damage to my credit file,so you missold me this loan i do not know.

Or the breach of contract thought.And misleading statements.

But someone does,somewhere.

And will be along soon i bet.

My simple look at things.

Edited by tawnyowl
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Ooh, tawnyowl, you haven't heard of COBs or BCOBs before.. please have a look a the articles linked in my signature - highlighted in GREEN. :)

 

No 5 is the COBs link :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Oh.Thank goodness.A wise one has appeared.This is what i call the helpers the site team .

Helped me out many times in the past.

Thankyou for pointing out the links.

I will immediately (had to look that up, spelling and old age) take to studying..

Your links on your signature CitizenB are about to warm up.

Orfosters posts seem interesting to me.

Raises a few thoughts.The few i have anyway.Most these days are about the taming of the predators,the payday lenders.And their targeted lending.

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Oh.Thank goodness.A wise one has appeared.

 

:lol: thank you for your kind words.

 

I have been linking PDL health warnings on another thread this morning. I would very much like to see as many examples as possible of any PDL advising /advertising that by taking out a PDL and repaying it on time, would help someone's credit rating.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Good work.Do you think a thread should be started,and get peoples reactions to the credit file problems.Would you start one CitizenB

There is something of the night about it all.

How many people know that payday loans may harm their credit file.Or may affect future purchases

Or the thoughts of misselling,breach of contract.

It may have been done in the past, but faded in the mists of time.

But it could be a big problem.For many

Got me going last night and this morning.

And that takes some doing.

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Yes, I can sort that out, tawnyowl.

 

BRB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Here you go tawnyowl. If you think I can add something to the first post , then please say :)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?398164-Pay-Day-Loans-damage-to-your-future-credit-rating

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 month later...

Hi, hope this will be helpful. On this occasion, for what it's worth try to get them on the phone. If they are a "responsible" company they will agree to a plan. the O.F.T. says they must not ignore that kind of request. If you go ahead (I know from bad experience) and just decide to pay e.g. £10 a month into their s/c and account number, using your cust ref. number as a reference; unless it is agreed you run the risk of getting a default on your credit rating. You can check it yourself anytime, it's free for life- called Noddle. If they won't speak to you, and ultimately you get a default, contact in advance of that the O.F.T. explain everything to them. Then if the worst happens, you can get back to the O.F.T. and ask to get it removed.

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