Jump to content

Showing results for tags 'cardiff'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums


  • News from the National Consumer Service
  • News from the Web


  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...

Date Created

  • Start


Last Updated

  • Start


Filter by number of...


  • Start




Found 13 results

  1. Hi all, just found out I made an Illegal left turn in cardiff may 2017. Need help on which forms to use. Cardiff Pcn people have said I need to complete forms TE9 and TE3. TE9 just asks fo r some details, in my case I never received the initial notices as didn't re register my Car to my new address, but nowhere on the form does it ask why I didn't pay. TE3 I just don't understand. How do I let them know why I didn't pay the initial charge . Should I be using form te7 or other forms
  2. Hi there I have a question relating to a loan that I took in 2004 through Zenith Windows to install double glazing. But Zenith windows went into administration in 2010 I believe. Loan amount 5K. It is now paid off. How do I go about getting the PPI back from them and the unfair charges. Can anyone help please? Many thanks and much appreciated.
  3. received a PCN in the post from New Generation Parking Management 18 months ago - I sent them an email informing them that I am just the registered keeper and not necessarily the driver. (I used the template from this group) NGP never responded to my email. They have now passed 'the case' on to ZZPS/Wright Hassall Solicitors who have just informed me that the Protection of Freedoms Act allows them to County Court me. Is this right? (I did not state who was driving) The driver (my wife) has recently died and would I still be liable for the charge? This has really upset me and Wright Hassall after I told them that one of the drivers of the vehicle was now dead. TIA
  4. Hi all, I have received 2 Parking Charge Notices (for different contraventions) that are at different stages. I have received the NTK for infringement 1 while infringement 2 occurred on August 31st so I still have a few days before the NTK is sent. I am looking for some advice as I feel both have been administered unfairly. Please let me know if it's advisable to open a new thread for the second PCN to avoid confusion. PCN 1 For a windscreen ticket (Notice To Driver) please answer the following questions.... 1 The date of infringement? 04/08/2017 2 Have you yet appealed to the parking company yet? No if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload has there been a response? please post it up as well, suitably redacted. [as a PDF- follow the upload guide] If you haven't appealed yet - ,......... have you received a Notice To Keeper? (NTK) - YES what date is on it - 05/09/2017 Did the NTK provide photographic evidence? YES 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) NO 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] 5 Who is the parking company? Millennium Parking Services 6. where exactly [Carpark name and town] did you park? Live in a rented flat in Cardiff, returned from holiday on August 3rd to find out the car park (private parking) was to be regulated by Millennium Parking Services starting on August 1st. We were unaware they were being brought in. Each flat has one allocated space but I live with my partner, both have cars so when the building management company provided us with permit we had one for a permanent resident (my partner uses) and one visitor pass - I used the visitor pass and placed it in the windscreen. Now the contravention Millennium Parking Services have said is that it wasn't displayed clearly. As I wasn't provided with the plastic pocket I placed it in the corner of my windscreen. The photos that Millennium have taken are from an angle where you can't see the expiry date or that it states Visitor permit. The PCN was issued 3 days after they began regulating and you can clearly see it is the permit we have been provided. What advice would you give for this contravention? I have attached an image of the permit, the permit displayed on the day and the image the NTK has provided. PCN 2 For a windscreen ticket (Notice To Driver) please answer the following questions.... 1 The date of infringement? 31/08/2017 2 Have you yet appealed to the parking company yet? No if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload has there been a response? please post it up as well, suitably redacted. [as a PDF- follow the upload guide] If you haven't appealed yet - ,......... have you received a Notice To Keeper? (NTK) - NO what date is on it - N/A Did the NTK provide photographic evidence? N/A 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) N/A 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] 5 Who is the parking company? Millennium Parking Services 6. where exactly [Carpark name and town] did you park? As mentioned in PCN1 we have private parking, and although we have 2 cars unfortunately there's only 1 car parking space allocated but there are 4 visitor spaces specifically for the building apartment. However upon moving into the flat I asked the estate agent what the process was for residents who had 2 cars and the response was that it's "first come first serve" for the visitor spaces and that other residents use them to park their car in. The contravention on PCN 2 is that I was parked for longer than the prescribed time. I have attached an image of the signage around the car park which does advise 'visitors' can only park for 24 hours and there's no return for 24 hours I work in Cardiff and walk back and forth to work my car will often be left for 2/3 days without use at a time I don't want this ticket to be the first of many. I have written to the building management who it seems don't want to get involved feel at a bit of a lose end as I can't see the point of appealing. Any help for either will be very much appreciated - please let me know if it's easier to start a second thread for the second PCN. I will be back on here around 5pm tomorrow evening so will respond to any questions or queries then. Thanks in advance guys! IMG_2700.pdf IMG_2912.pdf IMG_2991.pdf IMG_2940.pdf
  5. Hi, I have just found and registered onto this site because of the proceeding thread regarding New Generation Parking Management Ltd. I have just received a "parking charge notice" (PCN) for parking in a visitors bay without a visitors permit. The permits are for a 24 hour period with no return in 48 hours. As I was contracted to work in one of the flats over several days for the flat owner this was no use. The flat owner's parking bay was occupied so I checked with the concierge and was told to display a notice in my cars windscreen stating where I was working, flat number/name etc, and this would be ok. The PCN had four photographs of my car, two clearly showing the notice of where I was working. There was no date or time indicated on the photographs, the pictures probably taken with a hand held camera. I have appealed in writing stating my case as above. I have worked at this flat since February, using the sign, on probably half a dozen occasions without any problem. I am particularly interested in the previous answers regarding the signage being incorrect. Any comments would be very much appreciated.
  6. Evening all, Came home from a few days away to find a lovely letter (in Welsh..!!) from the South Wales Police - 38mph in a 30mph Limit - I always thought the road was a 40mph; anyway my fault. Couple of questions..... 1 - Likely outcome... £100 & 3 points or what's the chance of being offered the Awareness Course?? (currently licence is clean, and has been for over 7 years.) 2 - I thought they have to supply a photo? or does that only come along if you deny / argue and it goes to court? It would be a rear pic anyway as it was a Gatso jobbie at some traffic lights. Thanks
  7. Hello, Back in October 2015 I was visiting a friend who lives in an apartment complex in Cardiff bay area. Usually concierge there will let you in and inform you of where to park however when I turned up no one there to instruct so friend buzzed me through the barrier. All the visitor parking spaces were full and no where around building to park as double yellows on main roads. There was however an un marked part of the road within the complex which had no obvious signs, no obstruction and no yellow lines, so my friend told me it would be fine to park here until a visitor space became available (all residents have permit spaces that come with the flat for free). When I came back to the car it was stamped with a parking charge notice on the windscreen. They have charged me 60 pounds rising to 100 if not paid within the certain time period. I wrote a letter disputing the charge explaining that there was no concierge present, no visitor parking and no obstruction caused by my car and that the cost does not reflect any loss of business or money spent on their terms. I have today received a reply from them telling me they have rejected by appeal (no surprises there). I would ignore this - considering all the advice given in previous threads but in their letter they wrote this paragraph which unnerves me a little: "In the supreme court on November 4th 2015 it was agreed that BPA are legal, reasonable and fully enforceable. They do not fall under genuine pre estimate of loss as they are designed to deter unauthorised parking. Therefore this charge is not only valid but also fully enforceable in the highest court in the UK. More information can be found at supremecourt.uk" The letter then gives me two options of either settling the charge at the reduced rate or appealing to POPLA but then paying 100 if that gets rejected. I know this may all be scare mongering but when I looked up a case on supremecourt for 4th Nov 15 I did see that an appeal did get rejected. Sorry for the long post- just handy to give all details. Any advice??
  8. I have issued a claim against cardif pinnacle over mis-sold PPI . they are defending the claim stating the claim is outside the 6 year time limits and that i would have benefitted from the protection. the 6 years expired in 2012 but i complained to the FOS before this date, it took them till may 2014 to get back to me with their decision. The FOS state that i would have known before that the PPI was of no use to me and therefore they have rejected my claim, thats the reason to issue the court claim. the policy was started jan 2003 and then cancelled by me in 2007 after i went abroad for a year. I sold my home and the mortgage was cleared as well. at the time of taking the policy i had work benefits that covered sickness and accidents for a period of 6 months full pay and a further 6 months half pay and then it would cease. i have checked the policy terms and there is no mention of existing benefits. the policy was sold to me over the phone at the time of taking out a loan. the loan was with intelligent finance who referred all their insurance policies to cardif pinnacle. can i use the fraud act as a defence. the FOS said i would have known about my existing benefits at the time of taking out the protection. I expected cardif pinnacle to make all this clear to me at the time the policy was sold. cardif pinnacle have now stated in their defence i applied for the cover online, i only had a laptop and internet service starting in 2008 a year after my son was born. they then stated that i filled in a application form which i know i did not. Are there any areas which you know of that will help me with my claim
  9. Hi Everyone, Am currently finishing at Cardiff university, hence moving back home and trying to cancel my gym membership. Unfortunately when I filled out my gym membership I put down my parents address on the form to match where my bank account is registered. Therefore when I've tried to say am relocating back to this address they've said am registered to that address. Which begs the question why would I be going to a gym 37 miles from my parents house. I have now set them a copy of sky moving house showing I've been living in Cardiff in a rented accommodation and moving the sky back to my parents to try and show am moving. I have my doubts they'll see my point, mainly as they'll just go back to the point am registered at my parents address again. Ultimately I've only got 3 months left on my 12 month contract (£60), but I'd prefer not to have to pay it and see if what they are like after the 12 months. I would show a rental contract for the year but I rented the house through a mate so no contact was drawn up. Many Thanks, Mart
  10. Hi, I parked overnight from Sat-Sun in UWIC's Hall Carpark, stupidly, I had no change and friend advised that 'no one pays fines so its all ok' And I got a ticket on 4/5/14 This was from VINCI Park Services UK Ltd; £40 - £16 if paid within 14 days Am I right to believe, from what i have read in another post on here, that all they can claim from me - if i refuse to pay - is the £1 they have lost from me using a space in their almost empty carpark?
  11. Having once had a Northern Rock mortgage around 8 or 9 years ago, i can't recall if I paid PPI or not. Anyway having followed the guides on this forum, I just called Cardiff Pinnacle and they assured me that no PPI was ever paid by me. Should I be content and close the door on this enquiry, or should I seek a more conclusive opinion. Thx
  12. Is this worth a claim? I bought my first house in early 2001 through Northern Rock, PPI was through Cardiff Pinnacle, I sold this property in late 2001. The PPI Direct Debit remained in place even though I had no mortgage again until April 2002, I then sold this property in March 2005. During this time the same PPI insurance was in place and through my misjudgement not cancelled, I then purchased another house in March 2007 again with PPI through Northern Rock/Cardiff Pinnacle. I was then paying two PPI insurances but only had one mortgage. I realised this in 2009 and got a refund of £235 on the first policy. Now who do I go after Northern Rock or Cardiff Pinnacle, my only reason for the mis selling would be the duplication of the policies, and being pressurised into taken the second policy by Northern Rock.
  13. Hi, Thanks in advance for taking the time to read/respond to my post. I have just been sent a letter from Transport Investigations Ltd for travel with no valid ticket. Looks like there's a lot of people in a similar postion from other posts on here (and elsewhere). The letter states that they are considering prosecuting me under the the Railway Byelaws (2005) or Regulation of Railways Act (1889), and that I have to get back to them soon in writing with any mitigation I wish to be considered. Detail: The letter related to when I was stopped from buying my usual weekly ticket (which expired the day before) at my destination station (Cardiff Queen Street) by TIL staff, and interviewed. [...and yes, following this, I now know that I should always get the ticket from my departure station, and not on the train or at the arrival station!]. Prior to being stopped, I could have bought my ticket at my departure station (but ran on to the train that day), but couldn't on the train (as no guard/inspector came down the train on that day), and couldn't at Queen Street (as the TIL staff stopped me doing so). There are several points I thought I should be making as part of a mitigation statement to TIL (or any letter to Arriva trains prior to that) which I've put below. My question is: Do you think there's any point in me even giving my mitigation points (below)?.. . as I can't say I had a valid ticket for the journey I was making, as my weekly pass had expired the day before, and presumeably that's what I'd end up being prosecuted for. What would you do at this point? Mitigation: 1- that I didn't know it was wrong to buy tickets on the train or at the destination station 2- that buying on the train, or destination station, is never challenged or even discouraged (...and if it had been before this TIL 'sting', I would have known I shouldn't do it, and wouldn't have done it!) 3- that I was stopped from buying my weekly ticket by the TIL staff before the ticket officer could issue it 4- that it isn't even possible to leave my destination station without a ticket, due to the automated barriers in place there 5- that I buy a weekly ticket (every week for several years), so am obviously not looking to evade payment, and can prove this (as I pay by card) Thanks again for taking the time to read/respond to my post.
  • Create New...