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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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The Funding Corporation


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I need some advice, we have had agreement with this company for five years,i have always paid on time and never missed a payment until now. Since may last year,my husband is no longer with me.He does not work and has done a complete disappearing act. I pay £132.77 a month.

 

My problem is i contacted the company to tell them as the agreement for our bike is both our names.I said that the date i was originally paying was no good and could i pay five days later (23rd of each month asked for 28th).I have written letters,telephoned them as each month i get a late letter (£30.00 charge and default letter £20.00).Well the charges are just keep amounting.I don't know what else to do now.I have tried to ring them this month and explained about my husband,i work part time and have two children to bring up on my own. They said give them my husbands address and they will chase him, however i am the main applicant. I have explained that i don't even know where he is!!!He has not even had any contact with his kids let alone them!

 

I have withheld my payment for last month as i have said that i don't want the motorbike and they can come and collect it!however i spoke to Rebbecca and she said i have to keep paying for it!!

 

I still have two years fro the agreement to run,i don't know how i stand.I am willing to pay for the bike but not the charges that come with it,all for the sake of five days difference.I have never received a reply to my letters and i know they have received them as i have sent payment to them which they have cashed.

 

I am thinking about writing a letter basically saying i will with hold payment until some agreement is met.I can't afford anymore money that i am paying now.

 

Its left me in such a mess,i have managing to pay everything else and keep my head above water!

 

I would appreciate any advice on this one..

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I have an easier solution for you...simple/drastic, but very effective, refuse to make any more payments & demand that the matter be sorted out in a county court were all your essential outgoings will have to be taken into account & they'll end up being repaid whatever is left over (£1 per month for example) ;)

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I totally agree with Mr Ton, so many people see court as being a bad thing - but in cases like this YOU get the ruling that allows YOU to live your life, and not be a slave to the bullying companies who keep demanding more and more.

 

Don't let them rule your life, your circumstances have changed and you cannot afford to make the payments. It happens, and they are being unreasonable in not taking your financial situation into account. A court would look at your 'disposable income' and make a decision that THEY have to abide by.

 

So, stop paying. Simple as that. You've tried to be reasonable and they will not budge. Tell them why you are not paying them, that it is THEIR fault because they would not re-negotiate when it is clear you are having difficulties.

 

Anyone looking at debt solutions would list Priority debts first, the things you cannot do without, like energy supply, food, clothing etc. Items like a bike are WAY down the list, and they know it. They have no right to mess you about when all you wanted to do was adjust the payment date.

 

I would be tempted to test the validity of the contract you have with them - do they have an enforceable Consumer Credit Act agreement? Would it stand up in court if you refused to pay them? It's their own fault if they've driven you to tackling them head-on!

 

Send letter N from http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html with a £1 postal order, by recorded delivery. See what they send back.

 

You could issue a SAR too, costs £10 and would require them to give you details of everything on your account, highlighting charges they've slapped on - which you should be able to reclaim.

 

Don't let them get you down, fight back and let CAG help you sort them out. Don't be intimidated by them saying they will send bailiffs in, which is just threatening behaviour on their part - they cannot do that unless they have a court order and you've defaulted on that. Finance companies and debt collection agencies are full of hot air and threats.

 

You can show that you were being reasonable and were willing to pay, if they had only agreed to shift the payment date. Now they've added extra charges on it is THEIR fault there are arrears!

 

If you're unsure of how to tackle this, just ask - there are lots of very helpful people on CAG who will support you. Just read through the many threads and see how many times the bullies have won. Show them you are not frightened and you'll soon be smiling!

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Cancel any direct debits or standing orders you have with you bank regarding these payments. Inform this company what you have done & inform them if they want future payment you will set up a new standing order for a date which is convenient to you.

 

Do not set up a direct debit, because if you do they can withdraw whatever they like from your account. If they refuse that, tell them to send you a payment book.

 

Do not let them scare you into paying money you cannot afford. If you are willing to make them an offer make sure it is realistic and stick to it. If they do not accept your offer then its tough. Simply tell them that is how much you can afford and if they are not willing to accept it they will have to take you to court to get what they want. After looking at your income and expenditure a Judge would decide what he thinks you can afford to pay, that could be as little as £1 per month. Yes your credit rating will be damaged but that was probably damaged long ago. Stay firm and do not budge and they will eventually accept your offer.

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Urmm, all you lot telling her to cancel payments, have you thought about her credit file at all? Sound advice, guys, sound advice ;)

 

Note that you're a pretty new poster here Dirtball - I would suggest reading a lot more on the site before suggesting that people are giving the wrong advice. A lot of time and effort has gone into the advice a lot of the regular give.

 

Another thread I followed only an hour or so ago was on a similar topic and it was explained why token payments are NOT a good idea... See if you can find that one?

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Urmm, all you lot telling her to cancel payments, have you thought about her credit file at all? Sound advice, guys, sound advice ;)

 

Why should anyone think about a credit file? :rolleyes:

They are not worth the paper they are printed on ;)

My only concern is the best interests of the OP & what they afford, not what the creditor wants them to pay.

I have advised the OP to get that matter sorted out in a county court - which is the ultimate authority in the land, are you suggesting that is wrong? :confused:

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Watching with great interest.........Thanks :)

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This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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If the OP has already missed payments, then her credit file will reflect this. In a short time the account will be defaulted, and to all intents and purposes this has the same effect as a CCJ.

 

In the current economic climate, even those with 'clean' credit files (and assuming that the CRA is showing correct data), are having difficulty obtaining credit. However, I agree with Mr.Ton - credit files are really not worth anything. Additionally, every lender assesses an application on its own merit; they may take data from a CRA into account, but it's only one factor. If lenders use automated systems, individuals have a legal right for decisions to be reconsidered. My own credit file is hideous, partly due to punitive/revenge defaults from OCs and DCAs I've beaten by asserting my legal rights. Does it make any difference? No. I have still been able to get a contract phone, rent a house and get car finance (on 'normal' terms).

 

DCAs have no legal powers, which is why they rely upon deceit and bullying. They do not care about why someone is in debt; they do not acknowledge that bad things sometimes happen to good people. A court will make a decision based upon the facts and the law, and significantly, will not (if judgment is given for the claimant), make anyone pay more than they can afford. Justice is for everyone - not just DCAs and their dodgy solicitors. DCAs are aware of this, which is why a court is generally the last place they want to go - unless they think they can get a default judgment, which would not be the situation in this case.

 

In my view, Mr Ton's advice is entirely appropriate.

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Thank you for all your help and advice. I have today done another letter stating, i have sent them many letters and i have phoned but no help,more charges etc.I have said i am not paying unless they sort this out and basically to take me to court as i have all letters on file and recorded delivery slips.I shall send it tomorrow and await their reply.I shall keep you all posted.

 

Where do i find information for getting my money back for charges? I have tried this once but got totally confused.

 

Once again thank you all for your advice.Much appreciated.

 

:)

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Hi I used to broker for the Funding Corp when I was a car dealer. Easy solution as you are over half way into your agreement you can give the bike back. That is presuming they have a hire purchase agreement drawn up and not a personal loan agreement. All HP agreements carry the 1/3 and 1/2 rules in the terms and conditions. That is if you are 1/3 of the way into the agreement and you default they have to get a court order to reposess the goods (bike) and if your 1/2 or over into the agreement you can arrange to hand the goods back to them and walk away. As your over 1/2 way now you can give the bike back to them. If your set up on a personal loan plan then it's irrelavent. Your agreement will say at the top Hire Purchase Agreement or Personal Loan Agreement regulated by The Consumer Credit Act 1974.

 

Or has he done a runner with the bike in which case just follow everyone elses advice?

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I'm pretty surprised by some of the responses on here, advising someone that it will be in their best interests to stop payment and start the normal "Account in dispute" process without ascertaining a few key facts first. Damage to your credit file may or may not make any difference to you, but telling someone to go to court and get a CCJ for £1 per month without knowing these key facts strikes me as being bordering on reckless when there may be other options available.

 

I'm not sure whether Scarlet Pimpernel is misreading the OP's message, but DCAs aren't involved at the moment. The Funding Corporation are the OC. The sure way to get DCAs involved will be to stop payments and stick two fingers up at them. Maybe you want the hassle of it all. I know I wouldn't. Been there and done that.

 

None of this is to say that you shouldn't apply for a copy of the CCA. If they can't supply one and/or it's unenforceable, then the rules of the game change, but I would suggest that we try to get a bit more information first. If you could answer these questions, it would help:

 

- Where is the bike? With him or with you? If it's with him, will he give it back voluntarily? (If it is with him, they will be able to locate the bike easily by checking the address that it is taxed to via the DVLA)

- Has the agreement already been terminated by The Funding Corporation? (ie, have you received a default notice and termination letter?)

- Did you take PPI when the contract was signed?

- Is it a Hire Purchase or Conditional Sale Agreement, or is it a Personal Loan?

 

If the time span that you have given in the original post is correct (five years already down, two to pay), you should be able to invoke your Voluntary Termination rights and return it to them, subject to it being in a reasonable condition and the payments not being in default. If you meet these criteria, there will be no further liability. Don't worry about the late charges and letter fees, they're almost certainly not enforceable.

Edited by huggles
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  • 2 weeks later...

Bike is with me,sitting under my car port no tax,has MOT. I asked if i could sell it but told i could not. I have no PPI agreement with them apart from a GAP insurance.It is a Hire agreement.I have now had a default letter but no other letters from them yet. I owe around the £3000 left to pay.In total i have paid £4700 already in payments. I have asked them to take the bike back but they are refusing. I don;t know if i should ring them and try to sort out lowering payments.

 

Can anyone advise me?

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I'm pretty surprised by some of the responses on here, advising someone that it will be in their best interests to stop payment and start the normal "Account in dispute" process without ascertaining a few key facts first. Damage to your credit file may or may not make any difference to you, but telling someone to go to court and get a CCJ for £1 per month without knowing these key facts strikes me as being bordering on reckless when there may be other options available.

.

 

Are you sure you dont work in the "industry"? :cool:

Whats reckless about it? :confused:

Like ive said...credit files are not worth the paper they printed on & make no difference to someone getting credit or not (contrary to popular myth)....its up to the company in question.

Going down the county court route is a legal right in this country available to everyone...that way the OP can pay what they want to pay after all essential outgoings are taken into account & not what the creditor says they must pay.

You say there are "other options available"...do tell me what they are exactly - other than "just pay up" :roll:

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Hi Guys, Hi Dazzle.

I have posted a bit on here regarding the Funding Corporation as im in the middle of a battle with them, its with a barrister at Stephensons now.

 

Firstly Dazzle, Send a registered(not recorded) letter with the request that you want to change the payment date, and on your next payment pay it on the date you want to(28th in your case).

From what i believe is within legal boundaries, you can request to move any payment 14 days either way of an agreement.

I will pm you with Stephensons tel number and a contact name, send a copy of your original agreement to them, its possible it is unenforcable in some way anyway.

I have a loan agreement with The Funding Crap, and i have now stopped paying, 4 months ago, as it is now deemed unenforcable, and like i said, it is with Barristers being prepared for court.

It is well known on a lot of sites, The Funding Crap will try their best to keep collecting payments and charges even when the solicitor has it, but once they know they have lost, you could find you have a bike and a void agreement.

Give them a call at the number i send you and good luck.

 

Oh and i too requested a change of payment date, they said no, i changed mine myself, and after 2 months, they contacted me saying, in light of my situation, as a goodwill gesture they would change it, was a bit late i did it myself lol.

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This is really simple if it is a hire urchase agreement , Themajor has already stated what you can do to end this. You can invoke your Voluntary termination rights as you have paid over a half of the agreement! As long as you pay up any monthly arrears on the agreement and you are up to date contractulaly then its YOUr right to do this. The bike will have to be in resonable order with a valid MOT, take pictures before you hand it back and photo copies of all paperwork , V5, MOT Service history etc.This will cover you later if they try and send you a bill!!

Send them a letter and insist they come and collect it. Because you are over half paid you will not owe anything after this!

Dont worry about the charges, they are unenforceable and do not matter regarding the termination rights.

Do not listen to them telling you they wont take it back , they have to . Send them a Special Delivery letter, and then after a resonable time period 2-3 weeks you are within your rights to charge them storage if they do not come and collect it.!!

 

Ste

Edited by SteeveF
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Yes this maybe true, The funding Corporation sell a lot of `Bill of Sale` agreements where certain rights are removed for the Hirer, but I am pretty sure the VT rights remain.

Ste

Itsnot a bill of sale if its Headed "credit agreement regulated by the Consumer Credit Act 1974"

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