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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome finance - can anyone give me some advice please?


dxangel
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Hello, new here - please do not bite!

 

5 years ago i took out a loan with WFS - not because i had CCJ's but because i had no credit history given that i emigrated from oz. As an aussie i didnt properly understand APR's and was told that the interest rate was 1.5% so i signed up for the loan. I did argue quite hard against PPI though as i would be paid if i was off sick so didnt see the point.

 

Unfortunately around 3 years ago i got into some financial difficulty and needed to move house, and needed cash up front, so topped up my loan with WFS up to 6k. Once again noone told me about the APR.

 

Ive paid off my loan diligently ever since and AFAIK never missed a payment.

 

The loan was unsecured, and as such, the real APR was sky high.

A few months ago, i was looking into perhaps settling early with WFS, and looked up their APR and nearly fell over with shock. Since then i have been trying to find a way to settle early with WFS. I may now be in a position to do that.

 

Unfortunately due to house moves, ive lost the paperwork, and i have no statements, but from my calculations, i have paid around £9600 off a £6k loan which seems to be rather a lot. Also WFS still want another £3k from me to settle early.

 

This is over DOUBLE what i borrowed - surely this is unfair??? I dont understand what people are talking about when they reference rule 78.. or SARS or CCA - can someone please explain it to an airhead like myself?

 

Is there anything i can do?

 

Thanks in advance.

 

xxx

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Hi Angel a CCA is a request for an original copy of your agreement, if you request that it costs £1 and they have 12+2 days to send you it. the SAR is a subject access request which when you send a request (costs £10)off for that you are asking for everything they hold about you and any accounts you have with them, they have 40 days to comply with the SAR

 

to be honest I would send off for them both and make sure you send by recorded or special delivery. also what is your APR? there are APR calculators you can use to compare the repayments you have been making, it might be a quick way of discovering if you do actually have PPI added.

 

there are more experienced members on here who will advise you better.

 

good luck

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http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

would send SAR .get everything they hold.it should contain your cca,but they do not always send it:rolleyes:

 

welcome finance

ruddington fields buisness park

mere way

nottingham

ng11 6nz

 

quicker and cheaper to just go for cca,which might be as usual from unwelcome,not worth the paper its wrote on.

 

SAM:pLOWELL DETESTER

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thanks for everyones information

 

i read elsewhere on the forum that if i did have PPI i would have details with the underwriters - so i called them but they dont have my details so i assume i dont have PPI

 

but still 13k for a 6k loan and no money off for an early settlement - surely that cant be right? is there anything i can do?

 

i dont know about my apr - i only found out about their huge apr's when i googled it a few months ago - they told me i had an interest rate of 1.5% but they didnt tell me that it was PER MONTH!

 

So if i send off for a a car and a CA realistically is there anything i can do to get this settlement figure down?

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that all depends on what charges they have added to your account for phone calls etc but with the CCA you will get a copy of your agreement which will show if you have got PPI and also what your APR is, the SAR will show you if any charges have been added to your account, so if there are charges and PPI you can reclaim them so it should in theory reduce your settlement figure but it will take time.

 

just make sure you send the postal orders and do NOT sign the SAR or CCA requests and that you send them by recorded or special delivery.

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