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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 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? 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    Have you had a response?  n/a 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'  
    • 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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    • 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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      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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Mobile Phone Contracts & Consumer Credit Agreements


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So... We have recently had a case come up where a DCA was stating that a Mobile Phone Contract was part of the Consumer Credit Act of 1974. This raised a few questions so we'd like to clarify this stance.

 

Currently - No Mobile Contract is subject to a Consumer Credit Agreement however they are exceptions to this rule and it is not always clear.

 

When taking out a contract it can be done in one of 2 ways and this is becoming a focus of some companies.

 

1 - The contract is purely a service agreement and the customer is expected to pay the monthly rental of the contract for the prescribed terms before being released from said contract. This is known as a "Service Agreement" with a "Free Gifted Handset" that is factored into the final cost.

 

2 - The contract is split between 2 agreements - 1 x Service Agreement for Airtime only (Calls, Texts & Data etc) and 1 x CCA for a Mobile Phone Handset / Tablet Device - "Device Plan" - Your monthly bill is 2 separate costs which form the "Monthly" tariff you pay which would equate to the "Service Agreement" Option above.

 

This provides a lot of flexibility allowing customers to upgrade early and their tariff automatically reduces after paying off the handset device cost on its own to the airtime agreement. Useful if after 24 months you want to keep the same tariff and dont have to adjust the tariff to get the best deal.

 

We could do with some help from you.

 

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Which companies do these?

 

Currently we know of 3 companies

 

O2 / Telefonica

Virgin Mobile

Tesco Mobile

 

---------------------------------------------------------------------------

 

They all operate their own Terms and Conditions for said contracts which vary across revisions etc

 

Virgin Mobiles - HERE

O2 - HERE

Tesco - HERE

 

---------------------------------------------------------------------------

 

Costs look like this;

 

Representative example

 

Duration of credit agreement - 24 months

Upfront cost - £0.00

Monthly device payment - £19.00

Total Credit amount - £456.00

Total amount payable for device - £456.00

Interest rate (fixed) - 0%

Representative APR - 0%

Device cash price - £456.00

 

We could do with some help from you.

 

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What to look for on my CRA?

 

Mostly, there should be either 1 or 2 entries on your Credit File for these accounts.

 

1 is for the Financing of the handset @ 0% APR mostly

The other is the Airtime Plan. Depending on how many accounts / contract you have with them, you could have a large quantity of telecoms accounts appearing on your CRA.

 

This may trigger a negative result to your score so please be weary when taking out these deals. While scores are for the most part a guideline, having 2 extra accounts could be detrimental to your chances for credit in the future if not well managed.

 

---------------------------------------------------------------------------

 

What happens if i default on my contract?

 

This will mean that the company will be liable to send you a default notice to remedy the arrears under the Consumer Credit Act Of 1974. However this is for the Handset Finance agreement only.

They will also send you a further letter confirming that your services may be cut off / have been disconnected and find you in default of the agreement that you signed up to for the Airtime Plan.

 

However be aware that for the Airtime Agreement - There is no law and this is NOT subject to the Consumer Credit Act.

 

We could do with some help from you.

 

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