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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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The Lending Group


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Hi PC999

I have had similar experience only yesterday. The bastards took £399.99 from my account. Have e-mailed Stockport local MP, Watchdog, OFT, and spoken to HSBC Fraud Dept who will pursue it. This loan company want hanging. Tried to phone but no one picks up. Have tonight e-mailed someone at their offices called Sam and threatened them with court action. Hope this helps you in your quest to fry the bastards!!!!

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We have had the same happen to us, we lost 349.00 without authorisation to TLG loans(the lending group as we have since discovered). After partially filling in a form on the internet for a 'quote' we were contacted by them. They told my partner they had a company willing to lend and required card details for 'verification'. My partner gave these in good faith not realising that card information should NEVER be given for any reason other than a money transaction as those numbers are all they are for. We have since been innundated with phone calls, texts and ridiculous 'offers' through the post from various other brokers vying for our money for another fee of course! Yes loans have been incredibly persistent despite being told we are not interested.

I think instead of everyone having to go through all the hassle of phone calls, forms, e-mails and the like to claw back money that is rightfully theirs a new law should be introduced with a 'cooling off' processing period of say 12-24 hours whereby you could make checks and correct mistakes(we all make them!)and be able to cancel a such transaction. It would also make it a hell of a lot harder for these companies to commit fraud, for that is exactly what they are doing when they lie to get those card details, regardless of what the law says.

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Well I have been done out of £199.99 like most people on here, its a security check... Ok got loan etc etc... may be a charge nominal fee... wait for paper work 7-14 days...today they took the money!:mad:

 

So rang bank up report it as fraud! Has not proccesed it yet acording to switch, told them I did not put in the pin number etc...All I got to do is now wait and see what happens..

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I am also a victum of this dodgy company.I did apply loan but not through this company and don't know how they got my information.

Some one called me on 24th April 2009 and pretend that TLG is a lender not a broker and my loan has been approved.Then he asked me to pay a admin fee to process my application.I gave him my details and they robbed me off for £ 199.99.

I did try to contact them but they not answering the phones as everyone knows about it.I don't know why anti crime departments are not taking action against this company.

Just because of them 1000's of people are suffering through stress and hard time.These companies are supposed to help people in thier difficult time instead of robbing them off.

I have sent this complaint to many financial organisation but don't know whether they will take any action or not.

 

I could live on that £ 200.00 for about 2 weeks.Don't know what to do

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Hello All,

 

I too am a victum of these as*holes, i got done for £299.99. Like everyone else i have since written to the omsbudsmen service, Trading standards, and Watchdog, all of which were very intrested in this company. But it still remains to be seen what will come of this company, will i get my money back like some of you of will i be subject to more ridicule for being so bloody stupid.

 

I feel so conned by these people, they have taken the money now i struggle to pay my little ones play school fees, and these ruthless hounds seem to not even care.

 

I think we should set-up some kind of group to either protest outside thier place of biussness or just haress the hell out of them leike we have been harrased.

 

Has any one actually taken direct action yet on these ppl??.

 

I just wish thousands of more ppl won't be harassed and lose thier money.

 

Kind regards,

 

R.J.

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  • 2 weeks later...

Hi all

 

Just thought i would let people know that i too have been stung by this very nasty and thieving company who want their hands cutting off for stealling hard working money off people. I can't believe that i could be so stupid. I went on the internet and put my details into the loan supermarket also and was inundated with text messages and phone calls, i also got a phone call from a broker Paul on the 9th May 2009, who told me that he had a company who would accept my loan and that he needed my card details to make sure that the card was registered to my home address. I don't know where my head was especially when he asked for the three digits from the back of the card. On the 12th may 2009 at 00.54am £499. and some pence came out of the bank and another for £18 something. My husband and i only found this out when we received a letter from the bank telling us that we were over our overdraft and would be charged £22.00 every five days whilst being over the overdraft. I have spoken to our bank who have blocked my card but they can not guarantee these people still trying to get more money out of our account. I may have to go and change all our bank details and start a fresh bank account. I too am going to contact watch dog, trading standards, consumer direct and the police and the financial ombudsman i too suggest that other people continue to contact these in order to get these thieving people stopped.

 

Annoyed and very angry Ann

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  • 3 weeks later...

Hello, I never managed to get the money back. I have now noticied that their phone is gone down. Then I read this post from a different website

 

HELLO ALL TLG USERS

 

I AM A RELIABLE SOURCE OF INFORMATION.

 

I USED TO WORK AT TLG LOANS UNTIL VERY RECENTLY, THREE DAYS AGO ACTUALLY. I LEFT BECAUSE I DID NT FEEL COMFORTABLE WITH HOW THE COMPANY WAS BEING RUN.

 

I CAN TELL YOU HONESTLY NOW, I WORKED IN ADMIN AND EVEN THE STAFF WERE LIED TO ABOUT HOW THIS COMPANY WAS RUN.

 

THE COMPANY HAS JUST BEEN SHUT DOWN. TODAY.

 

PEOPLE HAVE BEEN ARRESTED AND THE COMPANY IS BEING INVESTIGATED FOR FRAUD.

 

EVERYONE REPORT YOUR CASE TO TRADING STANDARDS AND GET YOUR MONEY BACK.

 

 

I dont know how to get my money back. Im so so so so upset.

 

:(:(:(:(:(:(:(:(:(

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  • 3 weeks later...

So pleased to see they have been closed down. We had a call from Stockport Trading Standards - who we originally reported this company to - asking for our permission for them to give our details to Greater Manchester Police. We said YES!!!!

We got our money back through our bank eventually, hope you can all get yours back too.

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As you paid by debit or credit card tell the bank to do a recall If they refuse whilst making some lame excuse tell them the money taken from you was part of an alleged country-wide fraud which is now in the hands of GMP & should they continue to refuse you will report them to the police for alleged money laundering:D

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  • 2 weeks later...

"..........HELLO ALL TLG USERS

 

I AM A RELIABLE SOURCE OF INFORMATION.

 

I USED TO WORK AT TLG LOANS UNTIL VERY RECENTLY, THREE DAYS AGO ACTUALLY. I LEFT BECAUSE I DID NT FEEL COMFORTABLE WITH HOW THE COMPANY WAS BEING RUN.

 

I CAN TELL YOU HONESTLY NOW, I WORKED IN ADMIN AND EVEN THE STAFF WERE LIED TO ABOUT HOW THIS COMPANY WAS RUN.

 

THE COMPANY HAS JUST BEEN SHUT DOWN. TODAY........."

 

PEOPLE HAVE BEEN ARRESTED AND THE COMPANY IS BEING INVESTIGATED FOR FRAUD.

 

EVERYONE REPORT YOUR CASE TO TRADING STANDARDS AND GET YOUR MONEY BACK.

 

very much doubt its gone down, anyone here had their money returned?

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  • 2 weeks later...
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  • 1 month later...

hi all,

i am still waiting for the "investigation" by carter & carter, the lending group or the loan supermarket to be compelted, this is 1 year gone.

well, i sent a recorded delivery letter which i got back today from the post office as undelivered. a few weeks ago i issued a claim via HMCS Money Claims, a court service. As i have not heard back i have applied for a judgment for the full amount to be paid back. so reading htat they have closed down is a suprise.. i hope you will all issue claims on line at the cost of £25 which you can claim from them, thats if they f**king pay up..

lets make sure they do not rip anyone else off, by making the claims for OUR money and reportign them to trading standards.

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