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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Provident loans help


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Hi I.m new here and need help .

 

 

Over the yrs me and the wife have had provident loans

we have defaulted 3 times on them for thousands over the yrs.

They still lent to us mind.

Over last few yrs we have never missed a payment but got our self in debt with them.

 

To the point we paying £200 a wk in repayments over long term.

We kept renewing loans for more to keep money in our pockets it would last us a fee wks until next renewal to the point that we are at the limit.

 

We did pay it off once to lower payments and renewed straight away then to get more money back but this is how we got to the limit .

We paid off with our Christmas no ey borrowed 2 wks later to get our money back but borrowed even more .

 

My wife as aspergers and she hates not paying it especially as we know the agent as live locally.

We on benefits which as been stopped at moment due to change over from was to income support not had money for nearly 3wks andooking at another fee wks before it's sorted.

 

We missed last wks payment they been fine with it and going to try and help but can't afford to pay it back at all.

My son and daughter been helping is out for so long even my son's boss giving is money to lend .

 

CAB just told us to contact them to make arrangement to lower payment but we been told it looks like we been irresponsible lending and between defaults and constantly renewing for more shows we couldn't really afford them they never looked at our money coming in and cause we needed the money for Christmas we lied what we had coming in I know it's wrong but was desperate.

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Ive added spacing to your post...

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def irresponsible lending

 

 

get that complaint running.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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read the pdf in post 2?.........

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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read the pdf in post 2?.........

 

Update I emailed the directors yesterday evening

I sent it to every one listed as the ceo

 

 

got returned out of all the names on the ceo webpage.

Only 1 allowed it .

 

 

I then had a look on the other provident pages and found another director and it was sent there aswell.

Got a reply today to say they are looking into our complaints.

 

I have all our books going back yrs and boy I am shocked myself what we.ve had and how they allowed it

at the time u don't see it but every few months, some every wk.

 

Will keep u posted how it goes

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go nail 'em!!

 

 

little dicky bird tells me that the FCA are FERY interested in Provident at present

they've had 100's of complaints from people getting letters from lowells on debts going back to the early 2000's some beyond

that lowells are now chasing and many they are trying to litigate on too.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Are they really

I keep getting chased by them aswell

but thry statuary bard as they are over 6yrs old

I believe around 8/9 yrs

I just ignore them cause I know they can't do nothing

 

 

I also believe provident won't take to court cause of the interest rates.

 

 

From what I can see I have paid what I have borrowed prob 3 times over in the last 6yrs .

 

Only thing I.m unsure of is that I know we been lent irresponsible b

ut in terms of figures how do I break down what I want.

 

 

I have memory problems so what I read don't always make sense of

I can't absorb the info to make sense without someone telling me what it is I need to do so if anyone can help i.d be greatfull .

 

 

Just need to explain what it is I need to calculate so I can get someone to do this for me

 

 

cause without knowing I can't explain to the other person.

If that makes sense sorry for so many questions.

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didn't say provi take you to court

ofcourse they don't

I was relating to lowells

they will and do

 

 

they send out 1 or 2 letters to an old address

then if they get no response

they issue a speculative claimform.

 

 

matters not if its Statute Barred.

if the claim is not contested

no human looks at it

rubberstamped default judgement.

 

 

1st people know is a judgement for claimant magically arrives at their correct address

that's why its SO important to update debt owners of a change of address

 

 

750'000 claimforms are issued every year

more than 85% are never contested

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you I.m not sure what I.m suppose to be asking for in the reclaims.

 

 

I.ve for certainly been lent money irresponsibly.

Loan renewed as soon as possible.

 

Numerous loans a yr

some every other wk started at £100 raise to fee hundred then to the 1000 to 2000 .

 

 

No loans paid off all together always renewed .

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perfect complaint then

off you go read the guide

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Irresponsible lending - probably.

Irresponsible borrowing -certainly IMO

Wanted loans for Xmas etc - sounds like a tenant?

 

 

What would you have said/done if Provident had rightly turned you down for a later loan?

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With paying them so much every wk we had no money left for savings and what's wrong with being a tenant anyway we can't all own our own houses.

Plus isn't taking numerous payday loans out no different

 

 

so you saying people who keep talking pay day loans with numerous companies it's their fault for taking the loans out .

Even though your taking one out to allow u to live for the next few wks.

 

 

No need to judge us ,we already told provident we hold some responsibility in the emails.

But perhaps you should be on this forum if you can judge anyone so quickly

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  • 9 months later...

If we have helped you win please consider a donation

Off to the fos then

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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