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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Nationwide Building Society has launched an 18 month fixed-rate account paying 5.5%.View the full article
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
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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.  

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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      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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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can I get my money back? **SORTED**


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My son, is recovering from a brain haemorage 3 years ago.

 

He is getting better all the time, but is in reciept of DLA and living in secure accomodation, this does not mean he is locked up, but is free to come and go as he pleases, but the doors to the unit are kept locked and visitors must sign in and out. anyway to cut to the story, he obtained a passport to go on holiday with us shortly after coming out of hospital, then on our return, because of his "colourful " past he was approached for training by a charitable organisation to be trained as a "lecturer" to tour schools and youth clubs to tell his story with the view to encourage kids to keep clear of drugs and petty criminal activities, as one off the prerequisites to this training he was asked to provide proof\ of identity and took along his passport and birth certificate. because of his injuries, he has very little short term memory and forgets things almost as soon as he has done them. for this reason he reluctantly withdrew from the training as he was not able to recall the lectures or training given within a couple of days. to cut a long story short. when we next were going on holiday he was not able to find his passport. I enquired of the charity whether he had left his passport and birth certificate with them, after a couple of days they called back and said that they were not in possesion of them a nd that he must have lost them else where, the workers at his accomodation also made similar enquiries and recieved the sam answer, as we were going on hols again very soon after loss was discovered, we had to report the loss to the police, and attend a personal interview to obtain the replacement passport at a cost of £120 plus travel expenses.

 

Now almost a year down the road the charity have contacted my son to inform him that they are sending his passport and birth certificate to him by registered post, saying he left them with them when he attended the interview for selection for training. Now can I claim back the cost of the replacement passport from them, as they had obviously not taken sufficient care when they were asked , on several occasions to look for the documents. I realise that they are a charitable organisation, but the training they give is paid for by government grants and the salaries paid to the "volounteer lecturers" is on a par with school teachers.

My sons only income is DLA and he quite honestly does not have any prospects of ever finding a real job and £120 is a lot of money to him. all comments or advise will be more than welcome

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

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This sounds like your battling your conscience because of their charitable status.

In this case the saying 'charity begins at home' comes to mind and your loss is as a direct result of an error by the charity.

 

Yes I think you should bill them, but how far you take it, only you can decide.

 

I don't think it would disadvantage them to repatriate a loss that they themselves caused.

Charity or not, they still need to take responsibility for their actions.

 

As it's financed directly by government grant, that will probably be withdrawn when the government realises that it is somewhere they can save a few pounds, just like they have a few thousand others.

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  • 2 weeks later...

Well after much soul searching and discusion with others involved with my son`s rehab I have decided to go for it. Here is the first draft of the letter that I have composed. as always comments, tips and suggestions are more than welcome.

Dear Sir/Madam,

I am writing to thank you for returning my son's ( Son of Stone 2) passport and other identity documents. Still missing is his birth certificate, which he kept in the same envelope with all his other documents. As you will know he suffered a serious brain injury and is recovering from this, but it has left him with many short term and long term memory problems, which is one of the reasons that he found that made it impossible to continue with the training course that you had enrolled him on.

Because of the “loss” of his passport myself and Son had considerable problems in obtaining a replacement one for our holidays in November last year. He had phoned you on several occasions to see if he had left his ID documents with you and had been told in each instance that “no we do not have them” and he was also told that he must then have lost them somewhere else. Because of this he had to report the passport lost to the Police, in order to get a “crime number” from them, and then obtain a replacement. Because of the rapidly approaching holiday I had to take a day off work to enable me to travel with him to the Liverpool Passport Office to attend a personal interview to obtain this, all this time he and my wife and I were were becoming more and more stressed with the prospect of him missing out on the holiday as he had no passport. We managed to get the replacement in time for the holiday ( three days to spare), but at some considerable cost to himself, he had to pay £97.00 for the passport, plus another £23.00 charge to ensure that he received the replacement in time for the holiday, It was delivered by special courier as I have stated earlier with just 3 days to spare.

Because of the extra expense of having to replace the passport our holiday was severely curtailed, as we had planned to go on several excursions, which he could now not afford as his savings were now over £170 short because of our trip to Liverpool, and as I only work part time and am also in receipt of pension credits was not able to help him with this financial loss.

Therefore I feel that in the very least, as a goodwill gesture, by yourselves he and I should be reimbursed the costs that were incurred by your failure to return his passport at the first time of asking. I have no wish to take this any further, but will lodge a claim at the small claims court for the reimbursement plus general damages for the stress and severe curtailment of our enjoyment of the holiday, which I am certain that the court would view favourably, and would reflect very badly on your status as a registered charity. As I say I have no wish to travel down this route, but will if he does not receive a satisfactory response to this request.

Yours Faithfully

 

 

 

 

Thanks for looking guys, stone

 

=======================================================================================================

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

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Therefore I feel that in the very least, as a goodwill gesture, by yourselves he and I should be reimbursed the costs that were incurred by your failure to return his passport at the first time of asking. I have no wish to take this any further, but will ...
I don't think you should say "as a GOGW" in your letter. Whether they decide to use that as a reason for reimbursing you is up to them, but as far as you're concerned, they messed up, they should pay you back.

 

I would replace that part with something like: "Since the costs incurred were solely due to your failure to a) keep his documents safe b) return them compounded by c) denying that you had them when you in fact did, I would ask you for reimbursement of the costs incurred which are purely down to your negligence, in the sum of £ XXX and expect this amount to be reimbursed within 14 days. Failure to do so will result in us having to lodge..." and then segue into the last part about County court.

 

That's how what I would do anyway, don't let the charity status fool you, administrators and accountants (and lawyers) get paid there too and they also have to answer for their expenditure, so don't necessarily expect a cuddly answer. ;-)

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Hi Stone

 

Nice to catch up with you my friend!! You've had it tough.

 

I am sorry about your son, how is he. How are you and the family. My best thoughts are with you. When something happens to your child- well you know what I mean. He is the priority.

 

Follow Bookies advice.

 

Kind Regards, take care Kenny

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TYVM Bookie, this is just the sort of help and advice I was looking for, I knew that at least one cagger would come up trumps for me, they always do. I was at first worried about the charitable status, but charity does begin at home! and the DID mess up and cause us a lot of grief, i dread to think how my son would have reacted if we had not been able to get him his replacement passport.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Thanks for the kind words Kenny, all family are well at present. son is 30 but due to injury, going on 16 or 16, he does not live with us, his choice, but we do see a lot of him

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=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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TYVM Bookie, this is just the sort of help and advice I was looking for, I knew that at least one cagger would come up trumps for me, they always do. I was at first worried about the charitable status, but charity does begin at home! and the DID mess up and cause us a lot of grief, i dread to think how my son would have reacted if we had not been able to get him his replacement passport.
You're very welcome.

 

My youngest child has Asperger's Syndrome, a form of autism, and I am far too aware of how stressful it is when things don't go the way he expects them to go.

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Therefore I feel that since the costs were incurred solely due to your failure to,

a) to keep his documents safe,

b) return them promptly, compounded by, c) denying that you had them when in fact, you did.

I would ask you for reimbursement of the costs incurred which are purely down to your negligence, in the sum of £250.00 and expect this amount to be reimbursed within 14 days.

Failure to do so will leave us with no other choice but to lodge a claim at the small claims court for the reimbursement of the expenses incurred, plus general damages for the stress and severe curtailment of our enjoyment of the holiday, which I am certain that the court would view favourably to us, and would reflect badly on your status as a registered charity.

 

 

 

There is the offending paragraph re-worked. I think that should do is

a084.gif

=======================================================================================================

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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  • 3 weeks later...

Letter was sent off before I went of on short hol. According to Royal Mail website it was delivered on the 4 April, so if I hear nothing by the 18th, it`s off to court we go!

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Hi Stone,

 

Just wonder if, after no reply to your 1st ltr, you should send an LBA saying "Here's a copy of my last unanswered ltr. If I do not receive a full refund within 14 days, I shall issue court proceedings without further notice."

 

Shows you're being reasonable and not rushing off to court prematurely.

 

Good luck with it. :)

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Yeah thanks for that Slick, I will send LBA, pointing out the failure to respond to the original letter and give them a further 7 days to make some sort of reply.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Postman has just delivered a recorded delivery letter from charity. Nice apology for mislaid passport. last para reads

"I would like to take the opportunity to apologise for the fact that your son did not have his passport at a time when he needed it as it appears to have been lost on our property. as a sign of goodwill I am able to offer a payment of £200 which I have enclosed"

 

My lad is more than happy to accept this, therefore a polite acceptance letter will be in the post tomorrow.

 

Another success down to CAG. Thanks again to all for the help and advice

  • Haha 1

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

Link to post
Share on other sites

Excellent result, Stone.

 

Saves a lot of messin around, so well done to you and your son.:)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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