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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.

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Santander Default - Personal Loan


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Santander Default

 

Short story first

– I had a financial Problems due to Gambling , pay day loans etc…

I sorted everything having help from the Forum here sending complains and going with some of them for Monthly repayments plans. I have arranged all payment arrangements myself, and done all negotiating myself also.

 

I have a Loan with Santander and from October my Monthly payments were not any more affordable for me

 

I called Santander and we agreed minimum payments each Month of £20.00 where I was paid anyway usually £100.00 or even more.

 

I never missed anything what we agreed.

After a couple of Months I received letter about arrears

 

I called them again and someone told me that its automated printed letter and because I am on the repayment plan I should not be worried about and I should continue paying what I can.

 

On Friday I received another letter dated 22.05.2018 telling me that they going to place Default on my account.

 

I was sure that being on repayment plan Default won’t be placed

 

I just called them again and someone from collection Team told me that I am not an arranged plan or repayment plan so they can place Default.

 

How many days I have to clear my areas (I have around 2,600.00) – I am not sure if I can pay this in full in one go but do I have some time to stop them?

 

Can I put my account on hold and complain because of the wrong information given?

 

I have to add that I don’t have any copies of the letters which I received from them, I didn’t keep them, probably my fault.

Edited by dx100uk
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sadly they are quite entitled to default you.

arrangement/hold or whatever makes no odds

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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scan it up

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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Share on other sites

On my first call after sending them letter and asking for help to lower my Monthly repayments

I went with someone from Santander across over all my expenses, loans, bills etc and only affordable amount was on that time £20.00/ Month.

 

Knowing from beginning that they will place defaults I will organise my expenses/ plans maybe differently

but I was told that any defaults won’t be placed, because I am paying what has been agreed,

 

I don’t have this in writing as always they sent only letters to contact them over the phone,

but for all that time from October I was not chased by anyone from Santander regarding payments,

because I was paying and always on time.

Edited by dx100uk
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