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    • How does one obtain the permit? The permit team number is only open between the hours of 9am to 3pm Mon - Fri. It says on the website, To obtain an additional 2 hours, the driver must pay a tariff of £3.00 + booking fees in person at our Security Hut, is that how you get the permit also, from the security hut? What a rigmaroll that would be but maybe just another step to take to try and catch people out?
    • Anotheruser0000 bear in mind that not all Judges are equally versed in the PoFA regulations. Fortunately now most of them are but sometimes a Judge from a higher Court sits in who is well experienced  in Law but not PoFA. and so they sometimes go "offkey" because their knowledge can raise a different set of arguments and solutions. It does seem particularly unfair  when the decision is so  bad . it can also be that in some situations the motorist being a lay person is not sufficiently know ledgeable to be able to counter a Judge's decisions in a way that a barrister could.
    • The argument about the date of receipt is now dead because the PCN  does not comply with the wording  of the Protection of Freedoms Act 2012 Schedule 4.  First reason Section 9 [2] [e]  "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;" Second Reason Section 9 [2][a] "specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;" All your PCN does is mark the time you entered and left the car park. It does not include all the myriad things you do in between-driving into the car park, looking for a parking space-perhaps a disabled space or  parent and Child place@ getting the children or disabled person out of the car then going shopping. Coming back; loading the car with shopping [, getting the children or disabled into the car, taking the trolley back to the store; driving to the exit perhaps stopping to let vehicles/pedestrians cross in front of you etc. so subtracting the driving times from before and after parking can make quite a difference from their time to the actual period parking time. So the upshot is now that only the driver is responsible for paying the PCN and the keeper is not liable at all even if the name of the driver is never known by Nexus so well done for not appealing. You obviously want to keep it that way to make it very difficult for them to win in Court if it ever goes that far. Although your question is now moot since  the same objective has been achieved by the non compliant PCN [ie no keeper liability] just  about the only way to dispute the timing of the PCN would be if one kept the envelope and there was a discernible date stamp on it that did not match the date on the PCN. There is a new Act coming out [and it cannot come quickly enough ] and one of the things required is that parking companies will have to prove the date of sending out their PCNs. We are not the only ones who sometimes doubt the veracity of their dates particularly as the later it is sent [unlawfully] the shorter the period motorists have to benefit [?] from the reduced payment. I haven't seen it on your posts but do you know how long you are permitted to park for free?
    • I was so annoyed and frustrated about the fact this case was lost it's been floating around my head all night. Dave962, are you sure that's what the Judge said? .... It doesn't make sense. Did the judge in fact dismiss the case on the grounds that the defendant did not make an appeal within 28 days? Effectively telling the PPC about the error entering the registration number and providing proof of payment at that time? To me, that's an important point.  
    • The United Autoworkers Union took a risk in a Republican - and often anti-union - part of the US.View the full article
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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.

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


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I did when it was Citicard and they sent me one that I thought must be right as it they said after 2007 it did not need a signature. so I didn't keep it. Should I send Capquest a CCA? This is the first contact I have had from them.

Thanks

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just a wee bit of advice sick of it all,

 

i know you have just started today to get things sorted and you are doing fine doing as scott said starting various threads for eac etc

 

don't worry about any of their threats at this stage , just deal with what you have at the mo

 

 

ida x

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ok after 2007 then they are not automatically unenforceable if prescribed terms etc are missing but they still need to provde something.

 

 

as Morph asked have you recevied a default notice and or termination notice from citi?

 

ida x

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ok that's answered can you scan and post them up?

 

ida x

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Thanks Ida,

I have 14 creditors and £70,000 of debt and I thought going on a DMP would be the end of it more or less but there is so much we as consumers don't know about the credit industry, we know they love handing credit out and now I know how nasty they become when you get in trouble!

So if there is any way I can get my own back a bit then I am very willing to try that. They use nasty tactics and what you read on here about what they do to people is just disgusting! More should be done against them, they really do ruin people's lives. No one wants to get in debt, it just sort of creeps up on you. I've been using credit for 25 years and this is the first time I have ever landed in trouble but a good past record doesn't seem to count too much with them!

I have been contacted by two companies willing to try and get rid of some of the debts for me, anyone have any experience of them?

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donlt use the companies, you do it for free and they cannot guarantee anything i'll post a link for you to see about them when i get it

 

you had 14 creditors this morning you are now 2 less already :D

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I'm going to CCA the others again. This site had been a godsend. I CCA'd all my creditors but didn't know what to do with the replies!

I've also e-mailed my DMP company Payplan asking them for advice about removing unenforcable debts from my plan.

So thanks IDA, as I said this site and people like you really are a godsend!

I never thought I would end up in debt but it can happen to anyone, and I mean anyone!

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please watch payplan, they will not agree with unenforcebale routes etc

 

do you still have the replies from the original cca requests?

 

ida x

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  • 2 weeks later...

Hi Ida,

Sorry I didn't notice your post until now.

I just recieved the reply from capquest.

As follows

CapquestCCAReply.jpg

What did you mean about Payplan? Will they not remove the debts? Or will they cancel my plan because of it? They haven't yet replied to my email. I'm a bit worried over that as their help has been unvaluable.

Any help again would be appreciated.

Thanks

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Hi and welcome, I know it is hard at this moment in time to think you will ever get on top of these debts, but most if not all of us on here started on this road from the point you are now at.

 

You need to seperate your debts into smaller more manageable accounts (one for each as already suggested). This way we can help at each step of the way as each one reaches a different stage.

 

You will then be able to 'celebrate' each small victory and you will be amazed at how quickly you get back in charge of your own life.

 

One step at a time and you will have covered 'a mile' before you know it.

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