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    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
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Not receiving statements from 2 creditors


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I have a personal loan from GE Money and finance from Creation (through LOL). These are part of my DMP. However I have never received statements from either of them. I thought all financial companies were now meant to send statements.

I phoned GE and they did give me my balance over the phone, but I had to SAR Creation to get any info.

All my other creditors send me monthly statements, does anyone know if there is any reason why these two would be exempt from this?

Edited by suzieblooz
spelling

Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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No I have no idea but I have not had any statements from GE Money since I went on a DMP in May 08. My debt has been sold on to Link Financial I have subject access GE Money for all information, you may end up having to do the same. I am sure someone with more knowledge will be along soon:)

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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Thanks for reply. Even before I was on a DMP these two never sent statements. Guess I need to complain to them in writing. Trouble with GE is they always deny they have received any mail even when its sent recorded. I'll write requesting monthly statements and see whet happens.

Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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Hi Suzieblooz

I know its more expense but send your letter to them special delivery next day its about £4.60 ish then check that they have received it after 1pm the following day you may even bet the signature same time or within about 24 hours so you can then tell them who signed for it if they still say the dont receive it. Keep your PO receipt dont throw it away. I have found out the hard way that you should keep everything.:)

Im having a lot of trouble because I didnt keep my papers and never got any statements from them:)

If you want to have look check out my thread and you will see the problems Im having now - its all good fun - you'll get plenty of help from the Caggers as I'm finding out:)

Go to search and put in Link Financial - GE Money

Sorry but I've not worked out how to do it so you can just click on the link and go straight there I've only be on this great forum for a couple of weeks:)

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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Thanks Diamondgirl. Me and GE go back a long way, no matter what I or payplan send them and however it's sent, they always never seem to receive it. Recently Payplan sent an updated income & expenditure sheet sheet 3 times and I sent it 4 times, ended up having to sort it out over the phone (I know, I know, never deal with them on the phone), but when I threated to report them to OFT for obstructing a debtor who was trying to pay I found myself talking to a manager who was great and took the update over the phone and gave me my balance. However I forgot to ask about the lack of statements. I'm lucky that GE never passed my debt to a DCA, as I get to deal with them direct :rolleyes:

This site is great, I've got back bank charges, card charges and my sanity thanks to all the caggers.

Who is your DMP with, hope it's one of the free ones like CCCS or Payplan so all your money is going towards your creditors.

Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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Hi Suzieblooz

My DMP with CCCS they're very helpful highly recommend them.

As you seem to be very lucky and on good terms with GE I would suggest perhaps another call and tell them you want statements every month which you are entitled to:D

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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Glad you're with one of the free one's. Wouldn't say I was on good terms with GE, they've caused me more grief than any other creditors(followed a very close second by Creation!)I've been in my DMP for 3.5 years, 1 more year to go then I'm shot of the lot of them.:D

Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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Just found out they are obliged to send an ANNUAL statement. This came into affect Oct '08 so no doubt they will hang on till the last moment and it'll be Oct '09 before I get a statement. :rolleyes:

Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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I have requested statements from Link (ex GE Money debt) and they have confirmed that GE money have not kept the statments and in actual fact the only one they have is the last statement prior to debt being assigned. The problem with this (and I expect it's the same with you) is that there will be a lot of unlawful charges on the account and the debt you allegedly owe is bound to be incorrect. My own account is subject to a court claim and I don't see how they can prove the amount of the debt if they don't have all of the statements. Magda

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yes, I'd managed to get the claim struck out six months ago, but now they are going back to see if they can get it reinstated. Got a hearing to go to soon, so fingers crossed that it doesn't go their way! They seem to be taking a lot of people to court at the moment, as we have both discovered. Magda

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  • 2 weeks later...

I've got £120 charges on my account, they told me that on the phone. Trouble is I'll need to SAR them for statements to then reclaim these charges. I'm just gonna wait till my balance is just above the charge amount and see if they'll accept a F&F.

Magda, good luck in court.

Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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Hi Suzie, I wouldn't take their word for the amount of charges on the account. Plus,with interest on top of that, it would be quite a bit more. I would get the statements if you can (although a lot of the time they don't even have them) and work the exact amount out for yourself. Magda

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