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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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mums swift loan - paid £36k for a 2005 £10k loan - they still want £36k more!!


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Hi hoping someone can help.

 

Just recently found out my mum borrowed £10k in 2005 she has paid to date £36k and still owes £36k.

They increased loan on two occasions to cover arrears.

 

We made final offer of £20k to them but they refused countered at £34k.

 

In my letter I made reference to her mental health not being fit to sign for loan and also they must have know not able to afford.

 

They have passed to complaints.

Unfortunately during this time my mum diagnosed cancer and has only weeks to live.

I desperately wanted to sort before she dies but unless I can find £34k not going to happen.

 

When my mum dies will the freeze loan until house sells??

I've asked for the actuarial statement.

 

How do I claim charges back can I do this even after she dies???

 

I'm heartbroken about all this can't believe this company is allowed to get away with what they do.

Any help greatly appreciated.

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one thing you need to say is what company it is also you should send a sar's (Statuary access request ' that will give you all the info they hold dont forget to include £10 for it . also you did not say what kind of loan is this

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Name names please.

 

What company is this?

 

A SAR (Subject access request) will get all of the info needed to reclaim any fees/charges etc.

 

However, this isn't a priority ATM, your Mum is!

 

Unless this is a secured loan? Then this can and will wait.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Sorry it's with Swift Advances and it is a secured loan.

 

 

I will ask for SAR.

 

 

My main concern is mounting charges even after she passes.

 

 

I know it's morbid but it's stressful enough without worrying when my dad died mortgage company just froze account until house sold. Worried Swift won't do same

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Well here's the 'Lending Code' which they have signed up to, this is the current one, so will have changed since 2005.

 

Were they aware of your mums mental health issues at all?

 

Telling them now of financial hardship and your mums current diagnosis (in writing) will/should put a stop to any of their extortionate charges being levied on the account.

 

I'm intrigued to find out just how a 10k loan from 2005, has shot up to over 60k!!

 

Get your local MP involved too.

 

Once you have sent them the SAR (£10) they have 40 days in which to send you everything they have regarding this account/agreement, but you may have to get your mums permission to deal with her finances on her behalf for them tosend you the documents.

 

Once you have received the SAR, then you can trawl through it all and tot up their fees/charges and go about claiming them back under the hardship rules.

 

Does your mum have much equity?

As cold & heartless as it is, but when she passes, would her estate cover her debt?

 

Such a cruel world. :sad:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks we have POA so dealing with them direct now.

 

I've not told them mums diagnosis as thought they would sit and wait for money by the time mortgage and them are paid will be nothing left

we don't want or need any money but it pains me they will have got a total of £72k on an original £10k loan.

 

 

How long does it take to claim charges back?

 

 

Is there sample letter I can write to them.

 

 

Thanks

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you need all the statements ...

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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Send them a SAR, they have 40 days in which to send you everything they hold.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

For 72k to be owing on a 10k debt, there is definitely something very very wrong!

I know they have no morals, but seriously!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They add an amount at the beginning of the loan on top of the original amount borrowed. The agreement is a sheep in wolfs clothing. On £10k it's poss they added £20k from day one so you're paying £30k plus interest accruing on the debt.They don't tell you this type of loan is not suitable for short term borrowing, meaning the redemption figure is calculated using the whole term quoted on the agreement say in this case 10 or 15 years.

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36k paid so far on a 10k loan??

 

Gawd blimey!!

 

That's absolutely ridiculous...

 

I do feel for your mum & yourself & I do hope you get this sorted out asap, so that you both have peace of mind & can enjoy the time you have left together without all this stress...

 

Good luck indeed!

I don't suffer from insanity, I enjoy every single minute of it!!

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use the cisheet here

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

put every charge in on its own row.

enter their int rate [apr] in cell d15

 

 

the sheet will work the interest charged on them out for you

no need to enter that figure

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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