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    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cash Genie charged £2300 interest whilst I was on a payment Plan - how do I get rid of them


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Absolutely fuming. I very stupidly took out a loan of £150 plus £45 interest total £195 with Cash Genie on 9th January 2010. I was already in financial difficulty and missed the payment; they added interest, charges and late payment fees to the tune of £72 each month which they said they would waive after much negotiation over a payment plan starting April 10 of £5 per month.

 

I continued paying this until the loan was paid off in June 2012 – or so I thought. I heard nothing further from them until March 2013 and out of the blue I got an email from them stating I had missed a payment, I was a little confused by this &wrote back to them saying that I did not owe anything and would not be paying them another penny and I got a series of emails saying I had a declined payment and that they would add interest.

 

This prompted me to log into my online account, something I had not done since 2010 and to my astonishment they had reapplied a new loan to me in April 2013 and added interest way back to January 2010 and the balance I owed at that point was £1903.91!!!!I immediately wrote back to them stating they had illegally taken out a loan in my name, added interest to a loan that had been repaid and that I would report them to the OFT & FOS. I got an email from them stating they would investigate and then nothing until this week, an email from Carter Forbes stating I now owe £2377.91!!!!

 

I made a complaint and their Compliance officer broke down what I paid and what they’d charged . I set up a Standing order in 2010 so they couldn’t get my bank details, but it finished 3 months earlier than it should of because I’d miscalculated when it should finish. I owe £14 because of it.

 

I am in no way intimidated by these idiots but it would appear ignoring them when I assumed they had retreated with their tails between their legs just makes them add interest of £45 per month without telling me and go quiet for a while.What is the best way to tackle them and get rid of them once and for all? I am prepared to pay the £14 but nothing more. Should I offer to pay £14 as my final offer and leave it at that?

 

I am also prepared to get the OFT and FOS involved. Any advice on best way to proceed would be greatly appreciated.

Edited by citizenB
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http://www.consumeractiongroup.co.uk/forum/showthread.php?399260-Feel-that-you-ve-been-treated-unfairly-by-your-Payday-loan-lender-COMPLAIN-TO-THE-FOS!!

 

If you believe you have been treated unfairly by the PDL then you should send a formal complaint, initially to their Head office - if they fail to resolve this to your satisfaction then you should follow the instructions in the link above to make complaint to the Financial Ombudsman.

 

If you have already made a complaint and they have blown you off, then they should have provided you with a final response letter - you can then make your complaint to the FOS.

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

Uploading documents to CAG ** Instructions **

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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

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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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http://www.consumeractiongroup.co.uk/forum/showthread.php?399260-Feel-that-you-ve-been-treated-unfairly-by-your-Payday-loan-lender-COMPLAIN-TO-THE-FOS!!

 

If you believe you have been treated unfairly by the PDL then you should send a formal complaint, initially to their Head office - if they fail to resolve this to your satisfaction then you should follow the instructions in the link above to make complaint to the Financial Ombudsman.

 

If you have already made a complaint and they have blown you off, then they should have provided you with a final response letter - you can then make your complaint to the FOS.

 

Thank you citizenb I made a complaint they said I had failed to keep up a payment plan and therefore added interest. However they fa to mention that they did not tell me I owed £14 or that they were adding interest, they also failed to mention that they fabricated me reconfirming a payment plan in 2012 so that they could fail it & add moe interest and that they retook out a loan in my name in April 2013 again so they could claim missed payments & more interest. Their final response was I can pay £379 instead of £2311.79 !!! So I think I prob have a good cause to complIn to the FOS. Thanks again

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I would say yes, you do have good reason to make a complaint to the Financial Ombudsman!

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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