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    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
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Repossession hearing...


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Myself and the otherhalf recieved a letter from our lenders solicitor this morning stating that they are restarting the possession hearing that we mangaed to get stopped as our lender had not acted fairly when tring to take us to court in November 2008.

 

I will provide a little more info, at the late part of 2007 I was involved in an accident at work which resulted me being off work for several months, also in April 2008 I had to have an emergency hysterectomy which resulted in a further prolonged absence from work due to complications, on the back of all this my husband got made redundant in November 2008, so basicly put we have been missing a whole salary for around 18 months.

 

Over this period we have tried to and pleaded with our lender to reduce payments or switch to interest only and they have been firm throughout and will not help. At this monent in time the arrear stand at £8770.00.

 

My question is while we have been paying what we can afford towards the mortgage, if this matter went to a hearing has the judge the right to force a reduced payment or an interest only payment upon our lender. We have tried to be reasonable throughout but our lender has not, furthermore we have a son with a heart contidion and being kicked out of our home isn't going to help his condition.

 

Any advice anyone could give would be most welcome.

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Myself and the otherhalf recieved a letter from our lenders solicitor this morning stating that they are restarting the possession hearing that we mangaed to get stopped as our lender had not acted fairly when tring to take us to court in November 2008.

 

I will provide a little more info, at the late part of 2007 I was involved in an accident at work which resulted me being off work for several months, also in April 2008 I had to have an emergency hysterectomy which resulted in a further prolonged absence from work due to complications, on the back of all this my husband got made redundant in November 2008, so basicly put we have been missing a whole salary for around 18 months.

 

Over this period we have tried to and pleaded with our lender to reduce payments or switch to interest only and they have been firm throughout and will not help. At this monent in time the arrear stand at £8770.00.

 

My question is while we have been paying what we can afford towards the mortgage, if this matter went to a hearing has the judge the right to force a reduced payment or an interest only payment upon our lender. We have tried to be reasonable throughout but our lender has not, furthermore we have a son with a heart contidion and being kicked out of our home isn't going to help his condition.

 

Any advice anyone could give would be most welcome.

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Hi there, a judge cannot alter the terms of the mortgage (but I believe there will be new powers in place soon). However, if your lender has not been reasonable in considering a payment holiday or interest only option then this will go against them in court.

 

who is the lender? Have you put your request to them in writing regarding interest only or payment holiday? If not you should do so immediately then you can show the court you have asked for help. Also, do you have any correspondence from them proving they have not been helpful?

 

If you need help with a letter please let me know and I'll draft one for you.

 

Ell-enn

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Hi there, a judge cannot alter the terms of the mortgage (but I believe there will be new powers in place soon). However, if your lender has not been reasonable in considering a payment holiday or interest only option then this will go against them in court.

 

who is the lender? Have you put your request to them in writing regarding interest only or payment holiday? If not you should do so immediately then you can show the court you have asked for help. Also, do you have any correspondence from them proving they have not been helpful?

 

If you need help with a letter please let me know and I'll draft one for you.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, a judge cannot alter the terms of the mortgage (but I believe there will be new powers in place soon). However, if your lender has not been reasonable in considering a payment holiday or interest only option then this will go against them in court.

 

who is the lender? Have you put your request to them in writing regarding interest only or payment holiday? If not you should do so immediately then you can show the court you have asked for help. Also, do you have any correspondence from them proving they have not been helpful?

 

If you need help with a letter please let me know and I'll draft one for you.

 

Ell-enn

 

The mortgage company concerned is Prefered Mortgages, we have so far written to them on 4 occasions, all of our letters to them have been to get them to lower our payments and our last 2 letters we asked if we could be moved to interest only in the short term until our situation improves.

 

We got the letter from their solicitors (TLT) this morning, I rang them and recorded the phone call and explained I cannot understand as to why they have started court action again as we have had no response to our letter we sent to prefered. The guy at the solicitors said he cannot understand either but said he would try to find some information out and let us know by phone this afternoon, I am still waiting for his call. He also said he would drop a letter also in the post.

 

I have also rang Prefered Mortgages up this afternoon to ask them what is going on as we have had no response to our letters or the phone call I made to them 2 weeks ago giving them a statement of our income and expenditure they said they needed this as so they could get a specialist to look at. They said there was a backlog of cases for their specialist team to look at. That is the reason they gave for their non response, I also record this phone call.

 

Every letter we have sent them they have ignored, their response is the usual we get a letter from their solicitors not them, to be honest its frustrating and very unfair. We have also asked Prefered in all our letters we sent them to provide us with a copy of their procedure or policy for helping people in difficulty paying their mortgage, we are still waiting on this also.

 

To be honest I don't know where to start because neither the solicitor or the lender seems to know what is going on, so in my opinion they should not have restarted the court case for possession.

 

If you could offer any advice Ell-enn or draft a letter that would be great.

Edited by nicolee2931
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Hi there, a judge cannot alter the terms of the mortgage (but I believe there will be new powers in place soon). However, if your lender has not been reasonable in considering a payment holiday or interest only option then this will go against them in court.

 

who is the lender? Have you put your request to them in writing regarding interest only or payment holiday? If not you should do so immediately then you can show the court you have asked for help. Also, do you have any correspondence from them proving they have not been helpful?

 

If you need help with a letter please let me know and I'll draft one for you.

 

Ell-enn

 

The mortgage company concerned is Prefered Mortgages, we have so far written to them on 4 occasions, all of our letters to them have been to get them to lower our payments and our last 2 letters we asked if we could be moved to interest only in the short term until our situation improves.

 

We got the letter from their solicitors (TLT) this morning, I rang them and recorded the phone call and explained I cannot understand as to why they have started court action again as we have had no response to our letter we sent to prefered. The guy at the solicitors said he cannot understand either but said he would try to find some information out and let us know by phone this afternoon, I am still waiting for his call. He also said he would drop a letter also in the post.

 

I have also rang Prefered Mortgages up this afternoon to ask them what is going on as we have had no response to our letters or the phone call I made to them 2 weeks ago giving them a statement of our income and expenditure they said they needed this as so they could get a specialist to look at. They said there was a backlog of cases for their specialist team to look at. That is the reason they gave for their non response, I also record this phone call.

 

Every letter we have sent them they have ignored, their response is the usual we get a letter from their solicitors not them, to be honest its frustrating and very unfair. We have also asked Prefered in all our letters we sent them to provide us with a copy of their procedure or policy for helping people in difficulty paying their mortgage, we are still waiting on this also.

 

To be honest I don't know where to start because neither the solicitor or the lender seems to know what is going on, so in my opinion they should not have restarted the court case for possession.

 

If you could offer any advice Ell-enn or draft a letter that would be great.

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Hi, did you send your letters by recorded delivery and obtain proof of delivery? Also, did you keep copies of these letters?

 

I have affixed a letter for you to send to them by recorded delivery - do this tomorrow if at all possible so they will receive it on Monday. Keep the receipt for posting and in a few days check on the Royalmail website to print off the signature receipt. Keep a copy of the letter and clip the signature receipt to it.

 

I have also affixed the budget sheet we use, you will need to send them that with the letter.

 

Also send a copy of the letter to TLT solicitors (by recorded delivery), with a covering letter as follows:

 

..................................................................................Your Address

 

25th April 2009

 

By Recorded Delivery

 

Name of contact at TLT

TLT Address

 

 

 

Dear Sirs,

 

Your Ref: XXXXX

Re Preferred Mortgages Account No: XXXXX

 

Please find affixed copy letter sent to Preferred by recorded delivery on 25th April.

 

Yours faithfully,

 

 

 

XXXX

 

Encs.

 

Any questions, just shout :)

 

Ell-enn

Budget Sheet.xls

Nicolee2931 letter.doc

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Hi, did you send your letters by recorded delivery and obtain proof of delivery? Also, did you keep copies of these letters?

 

I have affixed a letter for you to send to them by recorded delivery - do this tomorrow if at all possible so they will receive it on Monday. Keep the receipt for posting and in a few days check on the Royalmail website to print off the signature receipt. Keep a copy of the letter and clip the signature receipt to it.

 

I have also affixed the budget sheet we use, you will need to send them that with the letter.

 

Also send a copy of the letter to TLT solicitors (by recorded delivery), with a covering letter as follows:

 

..................................................................................Your Address

 

25th April 2009

 

By Recorded Delivery

 

Name of contact at TLT

TLT Address

 

 

 

Dear Sirs,

 

Your Ref: XXXXX

Re Preferred Mortgages Account No: XXXXX

 

Please find affixed copy letter sent to Preferred by recorded delivery on 25th April.

 

Yours faithfully,

 

 

 

XXXX

 

Encs.

 

Any questions, just shout :)

 

Ell-enn

Budget Sheet.xls

Nicolee2931 letter.doc

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You're welcome :)

 

Did you keep copies of previous letters you sent to them?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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You're welcome :)

 

Did you keep copies of previous letters you sent to them?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Yes we've got copies of all the letters we have sent to Prefered. But this is the first time we have wrote to their solicitor.

 

I have recorded all telephone calls to and from Prefered, the last phone call we made to Prefered their representative said on the phone for now the matter will proceed to court even though our financial statement in sitting in a queue to be looked at, doesn't seem very fair to me, do you think its worth sending a transcript of that telephone call to their solicitor?

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Yes we've got copies of all the letters we have sent to Prefered. But this is the first time we have wrote to their solicitor.

 

I have recorded all telephone calls to and from Prefered, the last phone call we made to Prefered their representative said on the phone for now the matter will proceed to court even though our financial statement in sitting in a queue to be looked at, doesn't seem very fair to me, do you think its worth sending a transcript of that telephone call to their solicitor?

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Hi there, you should keep all your evidence for now and wait and see if it gets to court.

 

You need to send the letter and budget sheet to Preferred with a COPY to the solicitors as I put in my earlier post.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, you should keep all your evidence for now and wait and see if it gets to court.

 

You need to send the letter and budget sheet to Preferred with a COPY to the solicitors as I put in my earlier post.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi

 

sorry to hear of your problems.

 

Have you actually worked out what your interest only payments would be and how much that would help you.

 

What are the prospects of employment in your area do you think?

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Hi

 

sorry to hear of your problems.

 

Have you actually worked out what your interest only payments would be and how much that would help you.

 

What are the prospects of employment in your area do you think?

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Hi

 

sorry to hear of your problems.

 

Have you actually worked out what your interest only payments would be and how much that would help you.

 

What are the prospects of employment in your area do you think?

 

Hubby is applying for jobs but there are very few in his line of work, but that said he is training to be a driving instructor which there is plenty work out there for him upon completing the qualifying exams.

 

I have been unable to calculate an interest only payment but it is going to be substantially less that the £600 p/m they are currently asking for which includes repayment & interest.

 

To be honest Prefered have been one of the most awkward companies I have ever had to deal with, while we have managed to come to arrangements with our other creditors, Prefered won't budge very nasty piece of work indeed.

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Hi

 

sorry to hear of your problems.

 

Have you actually worked out what your interest only payments would be and how much that would help you.

 

What are the prospects of employment in your area do you think?

 

Hubby is applying for jobs but there are very few in his line of work, but that said he is training to be a driving instructor which there is plenty work out there for him upon completing the qualifying exams.

 

I have been unable to calculate an interest only payment but it is going to be substantially less that the £600 p/m they are currently asking for which includes repayment & interest.

 

To be honest Prefered have been one of the most awkward companies I have ever had to deal with, while we have managed to come to arrangements with our other creditors, Prefered won't budge very nasty piece of work indeed.

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interest only is your current debt -times the current interest rate - divide by 12 divide by 100

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Share on other sites

interest only is your current debt -times the current interest rate - divide by 12 divide by 100

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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  • 2 weeks later...

Well the letter provided by Ell-enn got sent off almost 2 weeks ago now still nothing back from Prefered or the court, so we will just sit and wait see what happens.

 

I will post back of any new developments...

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Well the letter provided by Ell-enn got sent off almost 2 weeks ago now still nothing back from Prefered or the court, so we will just sit and wait see what happens.

 

I will post back of any new developments...

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OK, keep us up updated :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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