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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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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Wonga FOS complaint help


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Hi all.

 

These boards have been invaluable over the years so I am hoping you can be again.

 

I had some wonga loans a number of years ago, and recently decided to tackle them having come out the other end of struggling.

 

In a short story I contacted wonga advising irresponsible lending etc. And wonga said they didn't blah blah blah. Contacted FOS and they have been back and forth with me. They have since advised that 4 or 10 loans should be paid back to me (circa £500), but that the other loans were fine. They ruled that due to the loans they have ruled in my favour includes top up loans, it evidenced that I couldn't afford these. However the other loans did not include top up loans and there is no basis that these were not affordable.

 

I have argued this and advised that Wonga had and have no idea what was affordable or not as they never requested any income and expenditure details from me. I have sent statements to them which highlights that over a period of 10 months there was at least one loan per month, which it me indicates a clear problem in affordability.

 

They have reviewed my statements and advised that even if wonga did affordability checks that my statement doesn't indicate any problems in paying them back. I have argued this again by highlighting that a loan was taken every month. They won't budge on this and have advised that is their final decision.

 

They have offered for this to be moved to an ombudsman, is there any point in this? If I accept their offer to remove said loans from my credit file and have the funds paid back, am I legally allowed to take wonga to court for the other loans?

 

The whole situation is so frustrating, I don't care about the money and would much rather they remove all marking and don't pay me a penny back. I know wonga took advantage of me at that time and hooked me into a spiral of loans and interest and charges etc. But I'm just not sure what else I can do.

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  • 2 weeks later...

Hi, I was just wondering how you got on with this? I am in a similar situation, the ajudicator thinks that Wonga are not obliged to carry out any specific checked when it comes to affordability and that taking only my income into consideration is sufficient. They have disregarded my other debts and bank statement. I am currently waiting for an ombudsman to make a decision on this. Did you choose to go to an ombudsman?

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