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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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Lancashire Mortgage Corporation/Together -Renewal Charges


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Hi

 

 

A few years ago we took out a bridging loan with Lancashire Mortgage Corporation/now Together.

 

In the documents sent to us was an "Offer Letter" which confirmed the amount to be borrowed ,rates of interest etc but NO mention of any renewal fees of 5% of the total loan.

In fact in the letter it states "Exit Fee-£0".

Very misleading.

 

It was however mentioned in the Bridging Loan Agreement and this was missed by us, solicitors and broker (allegedly) !!!!

 

We are taking legal action against the solicitors and broker but this company Together are completely out of control with their charges and it has cost us a very large 6 figure sum.

 

We have placed numerous complaints to their Internal Complaints team but each time they hide behind the fact that the loan was not a regulated product.

 

Has anyone else suffered as a consequence of this dreadful company ???

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  • 2 years later...

We feel we have been badly let down by  a solicitor involving a bridging loan. He failed to recognise this was a commercial loan and not a standard residential mortgage. This also suggests he did not have the necessary expertise to undertake this type of work on our behalf. This was confirmed by him in forwarding the incorrect set of Terms and Conditions of Engagement (Retainer) sent to us.

 

This stated it was a re-mortgage of the property  when we now find out it actually was an Unregulated Commercial loan. He has totally misunderstood his instructions and considered the matter to be a standard residential re mortgage

 

During our one and only meeting with him at his office he failed to advise on the terms of the loan agreement relating to a commercial bridging loan undertaken on a property we were refurbishing for our own occupation.

 

After we had left his office he then falsely completed and signed the ‘Solicitors Certificate’ on behalf of the commercial bridging loan lender stating he carried out the following during our meeting : -

 

2 – ‘I have explained to the borrowers the extent of their liability and the contents and effect of the lenders form of legal charge/standard security/mortgage deed and the loan agreement which it secures.`

 

8 – Each borrower was seen alone and understood the contents and effect of the credit agreement and legal charge/standard security/mortgage deed.’  

 

9.-the Borrowers was/were familiar with the details of the transaction and signed the Charge/Standard Security/Mortgage Deed and Credit Agreement of their own free will and accord”

 

We categorically state that he did not undertake anyone of these contrary to the provisions of the Certificate. A clear act of dishonesty.

 

We understand this form was sent to him the day before our meeting on the  so he was aware of its existence before our meeting.

 

If he had admitted to us that at our meeting he should have been undertaken the provisions of the Certificate, he could easily have requested for us to return to the office the following day and then to be seen separately and to be advised of the terms of the loan. He failed to do this and the loan proceeded.

 

If he had done this then we would have been aware of the substantial additional costs involved with the bridging loan and would not have proceeded.

 

I would be very interested to note if anyone else has had  a similar problem with a solicitor.

 

Sadly we were forced to sell our home .

 

 

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HI HB 

 

Thanks for the response.

 

We have now forwarded it to the SRA as in my mind it is an of dishonesty, just waiting for their response.

 

We have gone down the litigation route but just didn't get anywhere as their solicitor said the form was for the Lender but in any event he lied.

 

The Legal Ombudsman (LO) can act even for failures of service that the SRA might not act on.

The LO can refer breaches of the SRA’s codes to the SRA, too.

 

You’d need to raise a formal complaint with the solicitors, and they will need to advise you of the option to escalate to the LO as part of any response.

 

Thanks Bazza

 

I have done both. Sadly there are additional errors relating to this solicitor which are now with the LO .

 

 

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  • 1 month later...

Morning

 

Sadly it appears the LO and the SRA are reluctant to investigate and not really sure why as the matters are very black and white in my opinion.

 

I will keep trying but it looks like this incompetent will continue tp practice ruining other decent hard working lives.

 

The Legal System in this country need to be changed and mediation should be mandatory and not voluntary.

 

We had a dispute with a negligent solicitor which has cost us our home and their insurers (DWF) refused to attend mediation despite their weak defence of the incompetent involved.

 

Despite the strength of our case if we had lost it would have ruined us.

 

Why does our current legal system allow Mediation to be voluntary and not mandatory ? It is so unfair and just allows the larger companies to get away with their mistakes which in our case cost us everything .

 

 

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threads merged...

 

so you have won the case?

 

mediation is only there to narrow differences and p'haps come to an agreement without extra court costs for either side, 

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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Hi

 

No the defendant solicitors refused to go to Mediation but they did come up with a very low offer just before our case was time barred.

 

Very reluctantly we accepted this offer however I have reported the incompetent solicitor in question who are looking at the matter at the present time.

 

The solicitor is clearly negligent but DWF played the game on this one and we didnt have the funds to issue proceedings.

 

Mediation should be mandatory not voluntary, this incompetent got away with it and we lost our home as a consequence of his negligent actions 

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  • 1 year later...

We were badly advised to take up an unregulated bridging loan with Lancashire Mortgage Corporation now Together back in 2015 cost us our home,savings,second property and my Ltd Company.Anyone else complained about the renewal charges attached to this loan,cost £58,000 when we sold the property.

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  • 5 months later...

three threads merged for complete history

 

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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