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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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    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Get A Loan From Pounds Till Payday...


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Are you interested in a Pay Day Loan for Xmas? If so Pounds Till Payday are now re-open to new Applicants...

 

But think about it... Why would you want to?

 

High APRs & Interest Rates, a Default Charge and much more is what you're in store for...

 

But rejoice fellow members who've already had a Loan from them... I bring Festive News....

 

Have you had a loan from Pounds Till Payday?

Well I have some good news. Northway Financial has decided to continue trading in the UK. I have seen thread where people were attempting to make a reclaim on irresponsible lending.

 

 

What does this mean?

In order to continue Trading, Northway Financial have had to setup shop here in the UK with a designated UK Base and Company Name. The FCA have made this a requirement in order to give them an IP Number (Interim Permission Number)

 

 

Can I Complain now / What are my rights etc?

Previously a disclaimer at the bottom of the site stated that Northway Financial was regulated by the Maltese Financial Regulator and was exempt from any action by FOS / FCA and UK Jurisdiction.

 

Now that they have a Interim Permission Issued, parts of the requirement is that they become regulated by the FCA and are subject to the FOS Complaint Handling Criteria. They must comply with the FOS Complaint Guidelines and set it out similar to other companies...

 

IE - Summary Of Complaint

Investigation

Result / Decision / Compo...

Rights To Complain To The FOS.

 

It now essentially means that anybody who has been a customer can complain. But be aware that they may not necessarily accept the complaint in full and may reject it.

 

 

Who are Northway Financial?

NDG Enterprises – an operation consisting of 11 companies – for purportedly issuing illegal payday loans and then using aggressive means to collect those debts.

The companies named in the complaint include Canadian corporations NDG Financial Corp., Ltd., E-Care Contact Centers, Ltd., Blizzard Interactive Corp., Sagewood Holdings, Ltd., New World Consolidated Lending Corp., New World Lenders Corp., Payroll Loans First Lenders Corp., and New World RRSP Lenders Corp. Two other companies, Northway Financial Corp., and Northway Broker, Ltd., are incorporated in Malta.

 

They are part of a larger umbrella of companies that offer loans all around the world. The above is taken from a US Article.

 

 

What is the best way to challenge for "Irresponsible Lending"?

There is no concrete guide, but I would suggest reading here;

 

But commonly in summary, things like;

- Excessive rollovers

- Constant reloans over an extended period

- Multiple loans ongoing at anyone time

- Failed to do Specific checks / Credit Checks

- Income to Loan / Interest Ratio was quite low - IE; Paid £750 a month but the loan would have been £625 with Interest and no extra charges.

 

these would count towards a case and many lendrs are now being caught out... Wonga... CashEuroNet... Instant Cash Loans... CFO Lending... The list goes on.

 

 

Who do I Contact?

MMP Financial Limited / TA Poundstillpayday

Forward Building

46 Windsor Road,

Slough

Berkshire

SL1 2EJ

 

[email protected]

[email protected]

 

Firm Name: MMP Financial Limited

Interim Permissions Reference Number: 648327

 

The Financial Ombudsman Service

Exchange Tower

London

E14 9SR

 

[email protected]

 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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For reference, I will post a response from the new Contact for the FCA at MMP Financial when he responds to request for information.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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They are part of a larger umbrella of companies that offer loans all around the world. The above is taken from a US Article.
in the US they (their loans) are being held to account in the courts as being illegal as they are not domestically regulated.

hence them now wanting to be regulated here (preempting any sanction here).

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Does this mean the same for Swift Sterling, who are also under the same group? I tried to make a complaint last year against them and ended up referring it to the Maltese regulators who decided not to uphold my complaint. What route should I go down now/ cheers

 

Same as above... :) They are also under the MMP Umbrella

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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