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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
    • Chinese firm MineOne Partners has been ordered to sell land it owns near a US nuclear missile site.View the full article
    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Life after debt


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Hi all,

Last year was a terrible time for us, 70k in debt, court appearances, letters phone calls the works!

Now we are on top of it all:) after remortgaging to raise 50k to pay off most of our lovelly creditors! Have approx 5K of debt with 4 orignal creditors which is being paid monthly at no interest, this we can handle and plan to pay back asap before they start adding interest etc:sad: !

My question is, this has taught us a very big lesson and we plan never to have credit in any form other then a mortgage again, even when we are allowed it, may be in 5 yrs time:-x, but has anyone have suggestions who to keep this plan in action for the rest of our lives?

In other words this site has been so helpful in the past with advice support when people like us realise we need help with debt, is there a section on after people are clean? So we can share ideas etc, thanks for the support so far

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Have you CCA'd all of your creditors to ensure that they have the legal right to collect on their debts?

 

Debt evasion is one thing, and is frowned upon, but when a creditor does not have the legal right to collect a debt because of their own errors and/or mistakes this is another, and is your right to verify.

 

Best wishes, Dave.

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Hi dave thanks, yes we have been down the CCA route etc and in a pervious post here in one of my threads i said then, to be honest we spent the money we borrowed no arguement, so we are/were reluctant but understood we owed this and went this route to settle regardless of weather the CCA's were legit etc, acted as a delay tool though which gave us more time to understand more and make our own plans of action etc, we went F&Fs and in end we saved 16K on orignal total of debt all our creditors were asking for,

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Thanks surprise,

i do not intend to apply for any thing, not that i can with a shot to bits credit score:) i do have a cheque book but do not use as many places like big groceries store petrol garages etc do not except them any way. the one thing i do have trouble with is to budget for unexpected things like for car, house maintence that kind of thing, and i have a very small overdraft limit which i like but it feels i am very insercure with out a little more of a cushion?

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Hi steven4064, weare in the pocess of claiming back from barclays on three accounts, in fact my dear overhalf as had a settlement on her account last year of 2K, my two accounts are suspended as i only just got in the claims before the court case last year that everyone is waiting on for verdict

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The court case starts monday.

 

Hope that helps.

 

Chrissi

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OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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well i would hate to guess but as some of the ppl who are claiming are doings so as they have been charged whilest on benefits which is illegal then l think it would hopefully go the way of the ppl who are claiming for the benefits.

 

The banks do have a good argument but so do the claimants.

 

I have managered to get charges back since the stay on cases as l told the bank they are illegally taking hte money off benefit money and they said they would give the money back as one off thing.

 

Yeah rite until next time and l will win again.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi all,

 

In other words this site has been so helpful in the past with advice support when people like us realise we need help with debt, is there a section on after people are clean? So we can share ideas etc, thanks for the support so far

 

Hi, Gopher, nice that things are working out for you.

 

At the moment there isn't a section of the site like that, and adding such a section would make us a little more like moneysavingexpert.com than we are at present.

 

I was going to raise this with the bosses, but it seems Saintly_1 has beaten me to it.

 

Hope you had a nice new year;)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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