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    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
    • My car DVLA details are 100% correct and up to date, guaranteed.  I lived at my address longer than I have owned the car and made sure the details were correct when we transferred ownership of the car, so it's not that.  It must be their second-hand eBay cameras.  I've emailed the CEO with evidence and laid it on.  I will keep this post updated with the outcome.  Thanks again FTMDave .  I appreciate the guidance. I hate these predatory parking cowboys.  How are they even legal?
    • upto you, if you have no assets like a home in the UK, there is absolutely nothing they can do even if they do get a judgement. i see you state last payment was 2021, so i will guess your notification to lloyds of a change of address was sent within the last 6yrs so they should have record of it on their system. why not give them a ring and ask what address they have for you? you could do AOS and defend the claim stating you are and have been resident in xyz since date, here is proof.  you could also send that to PRA demanding they discontinue the claim immediately. see what you can find out. you've till atleast the 19th (aos date) . dx      
    • Thanks for the BP update - we'd missed that one! I'm just wondering why you haven't received an invoice, but your partner has. It may be that, with one car following the other, MET's ANPR cameras bought for 99p second hand on eBay didn't pick the other car up. Or ... are you absolutely sure that your car's log book is registered with the DVLA at your correct address?  The last thing you want is correspondence going to an old address.
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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.

      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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Lloyds TSB Mortgage Advice


DeniseP
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About 5 years ago my ex husband and I took out a montage with Lloyds TSB. It had a gift with it of £5k and if we kept the mortgage for 5 years we can keep it A few years later are marriage fell apart and we split. I decided to move house I approached Lloyds about taking the mortgage with me they turned me down although I had been paying it on my own for about 2 years with no help from the ex. I didn’t want to increase the mortgage just take it to a new house because they said NO I had to pay back about £2500.00. So my question is can I now try and get this back or are they right in what they did. I did argue with them at the time, but had lots on my plate to deal with..

Cheers Dee

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DeniseP,

I think your best option would be double check what it actually stipulates in the mortgage agreement. Also I think it maybe worth contacting citizens advice and confirming with them.

DJ Tazzz

The information I provide in replies on this site are drawn from this site and a few other external sources. I acknowledge all parties the information maybe drawn from and offer my advice and assistance freely without guarantee and risk of liability.

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