Jump to content


  • Tweets

  • Posts

    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

link financial wierd claim (new member)


deeper
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5552 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi all,

 

i'm new here, posting out of necessity...hope you can help me. i've been contacted by link financial about a possible outstanding dept from around 2002 to maybe late 2003, i really can't remember.

 

the item in question, was for a door i bought via a consumer credit agreement that i no longer have a copy of. i later sold the house, and the direct debits for the door stopped. (i did change bank accounts during the same period for a totally unrelated issue (business).

 

i genuinely believe that the door account was settled via the solicitor during the selling process, and this is why the direct debits stopped. but it could be possible that i overlooked everything during moving and running a business. however, i never ever recieved any demand from the door supplier once i had moved. maybe they couldn't find me?? or maybe i had paid for the door??? i really don't know the answer to this question.

 

anyway, about a year after being in the new house, i rented it out and moved overseas for 3 plus years, and have been back in the uk for about 18 months.

 

i recently recieved several letters from link out of the blue, and curiosity got the better of me and i rang them asking why they were writing to me. they suggested i wrote them a letter, to their dsisputes section. they have now written to me asking for 6 seperate sample signatures, including my driving license and passport, in order to prove i am "their client". i am reluctant to do this as it could be a fraudulent claim, but it might be genuine.

 

i'm pretty worried in case i made a complete administrative ballsup, and worried as to what sort of debt a £1200 front door could have now mounted up to.

 

i'm not up against the wall financially, but neither am i flushed. if it is proved that i do owe this money (which i dont think i do) then i have no real objection to paying what i owe. however, i really don't want to pay extortionate interest and bogus charges. also, can i settle in installements if i have to pay anything?

 

incidentally, this debt does not show up on my credit rating with either equifax nor the other main credit lisintg agency, but i never ever used the address where i bought the door as a residential address as it was an improve and move on property which i sold within 1 year of purchase.

 

what should i do? i hope you can help. thanks in advance of your suggestions.

 

kind regards,

 

deeper.

Link to post
Share on other sites

i've thought of that, but i potentially know something about it, but the only way i can find out more is through them.

 

then i suspect they will try to &$!w me.

 

if i claim to know nothing, and then later they prove i do, wont that make things worse?

Link to post
Share on other sites

send them a cca request

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

template N

 

Costs £1 do not sign it, send a postal order, send it recorded

 

they have 12+2 days to supply the alledged agreement.

 

Do not speak on the phone everything from now on in writing

Link to post
Share on other sites

You could possibly send this to the original creditor (a SAR - Suject Access Request)...at least by sedning this you should know exactly where you stand - unfortunately this will cost £10 (send postal orders with the letter below by recorded delivery) - they have to provide your information within 40 days...

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

sign your name but put crosses through it so it can't be 'lifted'

Link to post
Share on other sites

Do not send them any specimen signatures send them this instead

 

Dear Moron

 

Get Lost

 

Yours

 

Deeper

 

 

 

:DOh dear me, I have nothing to add to this thread but all credit to you PGH. I haven't laughed so much in weeks:D

You have a lovely way with words:)

 

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

  • 1 month later...

Hi, deeper.

 

It's working days.

 

I'll move this thread to the DCA Forum, let folk know how your getting on ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi all,

 

Thanks for the advice so far. So, on friday, within the working day time limit, I received a copy of the credit agreement. It was dated 28/08/2003. It's definitely my credit agreement, but as I stated above, I considered that I had paid it off when I sold the property, although I could have been mistaken on that point, but I never ever received a letter or phonecall from the creditor or supplier to let me know that I was in any arrears. I moved house, yes, and i went overseas for almost 4 yers, but the property I moved to was rented by my sister, who passed me all my post, so I know I was not contacted by this company or any other relating to this debt, until their original contact at my now address, a rented property, which I have been in for two years.

 

Asset have enclosed a summary of charges, raising the original price by around double, and now stands at around £2600. I am not a person that does not pay his bills, and I have never deliberately not paid anything, and had I been contacted, this situation would never had got to this stage.

 

Where do I stand? How do I get out of this?

 

Hope someone can lend advice.

 

Sincerely,

 

deeper.

Link to post
Share on other sites

hi cerebusalert,

 

I had made payments up until 26th sept 05, then there are payments returned by the bank until dec 05. This was a period when I was having a financial nightmare through the sale of a house, and got behind with several bank payments. I had considered that I had payed all of them off after the house was eventually sold, as I had about two or three household items on consumer credit.

 

I was never contacted at this point or afterwards by anyone concerning this debt. I even had a new loan for a car through GE in march 07 and they never mentioned any bad debt history.

 

I'll work on scanning this in and posting it.

 

Thanks again.

 

deeper.

Link to post
Share on other sites

hi again all,

 

i've attached the scans of the covering letter, (which i never received, the first correspondence i got from them was a month later), the credit agreement, and the most recent covering letter in response to my CCA request.

 

there was also attached a list of interest charges, charged to me since 2005, when the bank began bouncing my payments. my complaint here is that i was not contacted by anyone since 2005 to allow me to pay an overlooked oustanding debt.

 

all help much appreciated.

 

many thanks in advance,

 

deeper.

1.jpg

2.jpg

3.jpg

Link to post
Share on other sites

hi again,

 

hope this is right this time. thanks for the info on posting these.

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

hope to hear from you soon.

 

deeper.

Link to post
Share on other sites

hi 42man,

 

thanks for posting the links. however, i'm not sure, in fact even more confused as to what significance these have. are you suggesting that the agreement is unenforceable? or that it is?

 

also, my main gripe over this whole issue, is that i was never contacted by any company to initially tell me my payments had stopped or that they were not received, or that my debt was being passed onto any agency. do they not have a legal obligation to inform me by post of these matters, which in this case would have been back in 2005. if i has reset payments, or payed in whole, at that point, when i should have been made aware, the interest would not have got so large.

 

although, if you are saying that the whole agreement may not be enforceable, then i might be able to not pay anything, which after such a long time, i feel quite happy to try.

 

thanks,

 

d

Link to post
Share on other sites

The Prescribed Terms should be within the signature document or any pages referred to in it. I see no Prescribed Terms on that one page 'credit agreement'.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...