Jump to content


  • Tweets

  • Posts

    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
    • Developing computer games can be wildly expensive so some hope that AI can cut the cost.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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

Aic


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5245 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

Please someone help me, i owe Lloyds tsb appx £13000 for a credit card debt which I originally tried to go for an IVA (with other debts) but was turned down as I wasn't "broke enough" so for the last year i've been writing letter after letter to Lloyds offering a payment proposal ect. Unfortunately now i've got AIC on my back. I've tried sending them a letter along with an income/expenditure budget but they're not willing to accept anything exept the full amount. So having looked at your forum to get some advice i've just sent them a CCA (signed delivery) along with a postal order for £1. Can you please give me some advice as to what else I need to do? These people have reduced me to a nervous wreck, to the point that I daren't answer my mobile anymore. Please please help me.

Link to post
Share on other sites

  • Replies 166
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thanks for the reassurance but i'm worried that the last letter I sent to them has my signiture on it. Do I just sit tight now and wait for the 12 working days to see if I get anything?

Link to post
Share on other sites

I think i've had the credit card account for over 10 years, maybe 15. Does it make a difference how long i've had it. I had it for years and was making either the minimum payment or more for years untill I got made redundant and everything became a struggle. It all went wrong about a year ago.

Link to post
Share on other sites

Thanks again DD, I know it sounds pathetic but I had started to have mild panic attacks and have lost all my confidence over all of this. All I ever wanted to do was pay the debt but in a way I could afford but just kept hitting brick walls. I'll give it a couple of week and see what I get sent back (if anything) and then i'll be back in touch for the next step. I really do appreciate your help.

Link to post
Share on other sites

  • 2 weeks later...

Well my 12 + 2 days are up and the only response i've had from AIC is a text quoting someone elses name and Ref number obviously sent to me buy mistake (naughty naughty). Can someone please tell me what I need to do next, do I just sit and wait it out now and see what happens?:confused:

Link to post
Share on other sites

I've got a general question, If no one can provide a cca for this debt. Where do I stand regarding repaying it? Do I have to go back to the original bank, will it be written off etc???????? Please help me.

Link to post
Share on other sites

Hi DD,

 

Thanks for that, i've just emailed the text to myself and I will keep hold of it, I know it probably sound a bit dumb but how will keeping the text help. Is it just so I can prove exactly how incompetent they really are????

 

Your advice has been invaluable DD, to be honest I don't think that they have the original CCA as i've had the card for a lot of years, if they can't provide the CCA does this make the debt totally unenforcable, if that's the case does that mean it'll never have to be paid?? Sorry for all these questions, i'm still learning my way around.

Link to post
Share on other sites

Ok here's the next theoretical question. What would happed if AIC had bought the debt from Lloyds and couldn't provide a CCA and would I still owe the full amount or the amount the DCA purchased it for? Lots and lots of questions....

Link to post
Share on other sites

Hi Insolvency man, please see above as to the explanation for the cca. I have offered a payment plan (including income and expenditure etc) firstly to Lloyds and then eventually to AIC all of which have been ignored. I have made every effort to try and get this flipping debt paid off but I just keep getting passed from one agency to another and i've had enough now and am fighting back.

JK

Link to post
Share on other sites

Yes I can confirm I sent a account in dispute letter recorded delivery which was signed for on the 21st April. Have heard nothing back yet. Can I just say I started this thread for help and advice and not for abuse. I do not live in a "council house" not that it would matter if I did and I have a perfectly respectable full time job. I'm just a normal person who due to circumstances beyond my control now has a debt which i'm happy to pay off but at an amount I can afford. I certainly don't appreciate the quite frankly childish comments and scare mongering. Thanks to those of you who are obviously genuine, to those of you who think all this is just a joke I would appreciate it if you would no longer post on this thread as I don't want it to be locked through no fault of my own. As I said, thanks again to all you genuine people who are helping me. x

  • Haha 1
Link to post
Share on other sites

Thanks DD i'll have a relaxing weekend hope you have one too. I appologise for the rant earlier, it just made me so angry that some idiot like that is still out there trying to kick people when they're down. No more I say, let's fight back.JK

Link to post
Share on other sites

Thanks bill, if anything should appear i'll make sure the ink is dry but nothing has appeared yet, if it does you'll all be the first to know and i appologise again for the rant earlier on i'm just so fed up of all of this. they're called? ankers for a reason

Link to post
Share on other sites

ok enough, i've been peronally emailed by the "troll" and i need advice as how to forward it on to the team. I only ever came to this website for advice and help and now i seem to stuck in other peoples arguments. I reiteratate that all i ever wanted was help and not become a forum for some sort of slagging match. I really do appreaciate how everyone feels and now instead of being a victim i'm now going to stand up for myself but I need constructive help please. xx

Link to post
Share on other sites

Ok everybody here I am again, well those lovely people at AIC have sent me my "CCA". This comprises of the following. There are 2 pages (I won't bother uploading it, you'll see why in a minute). Page 1. At the top it says Credit card application report, and then underneath it says Internet Banking Application. Then the following info. My name, address, phone number, where I work, bank account number etc, basically all my personal info. Page 2. My mobile number. That's pretty much it. No terms, rates etc: The credit card number has been hand written on the top of page 1. The application date is 19 April 2007, strangely i,ve had this card for at least 10 years? Can someone please tell me what my next course of action should be?

Link to post
Share on other sites

I would upload it but basically there's no point as all it is is just my personal details and once i've blanked all of them out there'll be nothing else to look at. It's basically just an online application report, which around about the same time I applied for online banking. There are no terms, conditions, apr rates, sigiture, nothing. Just personal details about me. So what I need to know is how to proceed next, do I send them a letter saying that what they sent isn't what I requested and stipulating exactly what it is I do need and can someone help me as to what the letter should say etc: I've seen various letters on this forum but i'm not really sure which would be best in this instance?

Link to post
Share on other sites

Hi everyone, can someone help me draft a letter please, basically AIC have only provided a copy of an online application form with no signature, terms etc.This to me is not the CCA i asked for. What sort of letter do I need to send back to them? Your help would be very much appreciated.

Link to post
Share on other sites

Hi DD, this is probably a silly question but will I need to send another £1 as they haven't provided the info I asked for in the original CCA request? Or will this be classed as a new request and the 12+2 dates etc: start again from the date they receive the above? Thanks

Link to post
Share on other sites

Please see attached delightful letter I received yesterday from AIC. I sent them the letter that DD suggested disputing the so called CCA they sent me. Please see earlier post from DD. They received and signed for this on the 11 june, coincidentally the attached letter from them is also dated the11th June. The bit that makes me laugh is the bit about if you're in financial difficulties call them to discuss other options. So far from them I've been told "we don't do payment proposals as we don't trust you to pay it" (yes they actually said that). We're taking "action" against you if you don't pay the full amount. The we've received no response to previous request. erm..............what about the letters that you've signed for over the last few months. Anyway any advice as to what response I should make?

aic.PDF

Link to post
Share on other sites

I think they're playing good cop bad cop now. So far this week: On Tuesday I had a letter saying I had to pay the full amount immediately or they will come round and take the shoes off my feet etc. Apparently it's going to cost me a fortune in legal fees...... Wednesday. I got a lovely text from them saying the following "Please call them with regard to an offer as a result of recent developments. (would these developments have something to do with a lack of CCA I wonder?????). Any advice all you good fellows? (obviously I will not be calling them regarding anything)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...