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    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
    • Oil and gold prices have jumped, while shares have fallen.View the full article
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    • 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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFC Loan


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That is correct even if a defaulted account is paid in

full if they payment was made outside the time limit

laid down in the Default Notice the entry remains on

the file for the six years from the default date and

would be marked satisfied.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 3 months later...

good eveing,

 

i have a simple question:

 

i successfully claimed back ppi from HFC bank from a loan that i was currently paying off.

 

however, this loan was an extension of an earlier loan that i taken out which i am sure PPI was part of it.

 

when i successfuly claimed the ppi on the loan that has now finished, woudl this have included the PPI payments made to the previous loan account?

 

i am pretty certain that these loans had different reference/account numbers.

 

if someone can point me in the right direction i wold be truely greatful.

 

best regards

 

Graham

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Hi

 

If you haven't already done so you should SAR HFC.

 

If there was PPI on the first loan and this loan was refinanced then it is highly likely that you were paying off loan 1 ppi via loan 2

 

ims

 

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no i bet it didn't!!

 

HFC would have kept the rollover very quiet.

 

you relaim woud have been a lot lot more

even from the fact that PPI + int on first loan

would have had even more int added on the second load.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 7 years later...

good evening CAG forum!

 

years ago i successfully claimed back some PPI from HFC bank as it was know in 2006 (ish)

 

I had a phone call a few weeks ago stating that I am eligeble for a refund on the tax from the initial claim that wasnt paid to me at the time of the settlement.

 

a) had anyone else either heard of this process or successfuly received an amount?

 

b) i presume that I could do this myself rather than instruct the creditor?

 

c) this par tbaffled me, they said they are not able to negotiatea fee &age as its set by the rate it was claimed for initially.  I am trying t find what i was charged in the first place!

 

all help of course greatly received!

 

Thanks guys

 

Gee

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from who was the call?

 

you can reclaim the 20% of the 8% statint that was taken direct yourself from HMRC using form r40 if you earn under your tax threshold.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Crash,

 

Can you say approx when you rec'd the PPI refund and did it specify an amount retained by the bank on behalf of HMRC in respect of interest paid.

 

I suspect the call may be one of many fraud attempts (slow computer; HMRC tax refund; amazon pay't coming from your account; phishing call blocking service; etc) that continue to come from outside of the UK. Can you say if the caller or caller centre (based on accent, backgound noise, etc) sounding like a UK or an overseas call centre.

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