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    • No you're not doomed. It's a shame you covered up the dates and times on your PCN since they can possibly help your case when they don't comply with the requirements of the rules in private car parks. Could you please therefore include the arrival and departure times as well as the date of the offence and the date on which they alleged they sent you the PCN. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4.since the wording should invite the keeper to pay the outstanding amount. Also I cannot see on the PCN that UKPO are the Creditor though I may have missed it since it is so unusual not to include it. The upshot is that you as keeper are no longer liable to pay the charge if the driver fails to pay within 28 days-0nly the driver is now liable. As Courts [assuming it gets that far ] do not accept that the driver and the keeper are not the same these rogues will have a hard job who was driving unless you appeal or have appealed and revealed who was driving. You did say that you weren't parked there long and had that been correct you have perhaps 15 minutes where you might have had a further. argument. As it judging by the confusing times mentioned in the wording or the PCN you were there for almost an hour? However as the light was not good and I presume the signs were not illuminated that is a reason that you could not see the sign. And did you have your blue badge showing ? Interestingly the post code quoted does not agree with the Post office one in West houghton= BL5 3JS Are there two different Tesco  car parks in Bolton. You obviously could not be in two places at the same time...............
    • Especially because you have bought the car on finance, there is probably quite a lot that you can do although it sounds as if you are maybe taking the appropriate steps anyway. However you need to give as much more information. We need to know – the name of the dealer details of the vehicle, make, model, mileage, age, price paid – 70 8K? The name of the finance company – and some dates. Date purchased, the date that you have logged this with the FOS and I'm sure there will be other questions. I suppose that you don't understand your consumer rights very well because issues like the sunroof et cetera should have been repaired by the dealership and there was no need for you to spend your own money on this. On the basis of what you have told us, I would suggest that eventually should be up to recover all of your money plus the expenses you have incurred in carrying out repairs. And in fact – you could also list out the faults which have manifested themselves so far and the money you have spent on correcting those. You are entitled to purchase a vehicle which is of satisfactory quality remains that way for a reasonable period of time. At £78,000 I wouldn't expect any serious issues to manifest themselves in this vehicle for quite a few years. Tell us also about the £2400 inspection that you have had carried out. Were you advised to do this? To do this of your own initiative? Who carried it out? That lot for a start
    • Hi Dx, I am hoping you have had an opportunity to skim through this thread. Please may I give it a humble bump for your consideration. My last date to present a WS is Wednesday the 17th. Many thanks and kind regards 🙏  
    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
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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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      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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Northern Rock - Unlawful or just Unethical?

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Over the last couple of months I have received three letters from Northern Rock asking me to pay my originally agreed instalment on an unsecured loan rather than the amount being paid by the CCCS on a DMP.


Wonder why?:rolleyes:


Have replied to each using CAG template letters, but no replies received.


Today arrives an A5 size card headed ******IMPORTANT - PLEASE READ CAREFULLY*****


We have tried to contact you without success and as a result we are considering sending one of our representatives to visit you at your home.


To avoid this action please call 0844 4778430 between the hours of 8am and 9pm Monday to Friday or 8am and 6pm Saturdya or 10am and 4pm Sunday


Northern Rock plc, Northern Rock House, Newcastle upon Tyne NE3 4PL


I live on an estate where I am sure Postperson Pat knows more about each one of than anyone else.


Although I would be the last to accuse him personally of any indiscretion, we do experience a significant amount of misdirected mail, and I find this NR tactic rather despicable.


I doubt they would have put the card inside an envelope even if they could afford any!icon8.gif


Suggestions for a suitable response welcome.



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been there, they will charge 80.00 if he visits, then do very little except to look at the material you have already provided.


this is the initial bit before the charging order. i am surprised they agreed to any reduced payment there policy is normally to accept nothing below 70% of initial payment. can you help me with something? can i ask if your mortgage is with them as well?

this will help me with the same problem? thanks molly47


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Send Rory's letter below. Also write to OFT sending a copy of the card. This is against Debt Collection Guidelines to embarass the recipient. You also need to tell them you have reported them to OFT for breaching OFT's guidelines.


Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).


Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending “doorstep callers” to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.


Should it be necessary, I will obtain an injunction.

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Thanks folks,


Yesterday was a multi-bummer of a day and I woke up feeling like a bear's backside, but your posts have acted better than a dop or two of Scotch in my tea!


In reverse order:


Surprise, yes indeed you were. What an excellent letter! Thanks also be to Rory.


I'll include copies of the unanswered letters. Shall I send the letter personally to the big, bald chief in Newcastle - I gather he was 'still on seat' at the weekend - by signed for delivery?


Molly, you had got be worried until Surprise came to the rescue! I had always felt that this kind of thing could just not be done these days.


I can now understand their 'policy' and the reasons for it:D but in the initial stages (well over a year ago) they were quite conciliatory and agreed to the CCCS debt management plan.


No, I don't have my mortgage with them (tbtG).


Poet - what compensation? What shall I ask from this organization you and I are subsidising thank to Darling Alistair?


I could send a CCA and S.A.R request (but have a feeling the agreement is in order) but if the SAR response provides what I believe it should, then their notes should show they asked for 'proof of pension income' when I applied for a £10k unsecured loan, and when I advised this would be difficult the 'consultant' said, in effect, don't bother we'll make it loan for £9,999.


What a kind and helpful gentleman I thought at the time (very much pre-CAG days!)


Thanks again to all/



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Glad you feeling better. Send them to the CE, also when you do your letter to OFT send them a copy to show your not bluffing. If you have got charges on the account then do a SAR, but if you think the Agreement maybe iffy,do a CCA. Make sure your letter is stern to NR and that you will not be intimidated by sending postcards etc. In other words lay it on with a trowel.



good luck to you and Molly.

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Remember to include the bit from OFT guidelines about not communicating directly with debtors and bypassing appointed representatives. Ask NR to confirm a) that they sent copies of any correspondence to CCCS, and on what dates, and b) that they invariably comply with OFT guidelines.


NR will either come up with some bovine excreta to the effect that as you are the customer they have a duty to keep in touch with you, and/or will make some imprecise claim to 'be in regular contact with agencies such as CCCS'.


A SAR will undoubtedly find evidence of their wrongdoing amongst the notes.


They cannot escape their obligations under the OFT guidelines, so complain, via NR complaints procedure, to FOS.


I suspect that this is one OFT guideline that is taken seriously; my OH's bank is wriggling furiously over a similar matter, having both stated that they comply and then provided evidence of non-compliance.

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Northern Rock are breaching the OFT guidance on so many levels. Have you a copy? Here it is if not: http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf


Please make a list of all the unfair practices they are conducting and then write an official complaint to them. If you've not had a satisfactory reply after 8 weeks then look to complain to The FOS.


Also complain to The OFT questioning their fitness to hold a consumer credit licence.

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