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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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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.

      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.
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      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
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PLease could someone give me some advice, i have outstanding debts to several creditors although i have contcated a great charity run organisation called Payplan who have set up a debt management plan, they have sent my income and expenditure to all of my creditors and proposed offers on how much i can pay each one every month. So far one of my creditors has refused my offer and they are threatening CCJ action, i have continued to pay the amount i can afford to them although they have not agreed the amount. what do you think the likehood is that they will continue with action even though i have made a reasonable offer. I assume the court with go through the same process as payplan of taking into account my income and expenditure so i personally feel it would be of no benefit to them to action this as what i have offered is genuinely all i can afford.

 

I would appreciate advice from people in similar circumstances.

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PLease could someone give me some advice, i have outstanding debts to several creditors although i have contcated a great charity run organisation called Payplan who have set up a debt management plan, they have sent my income and expenditure to all of my creditors and proposed offers on how much i can pay each one every month. So far one of my creditors has refused my offer and they are threatening CCJ action, i have continued to pay the amount i can afford to them although they have not agreed the amount. what do you think the likehood is that they will continue with action even though i have made a reasonable offer. I assume the court with go through the same process as payplan of taking into account my income and expenditure so i personally feel it would be of no benefit to them to action this as what i have offered is genuinely all i can afford.

 

I would appreciate advice from people in similar circumstances.

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whos the creditor? and they are obliged to accept an offer, do they state why they are refusing?

 

and they will certainly throw plenty of threats at you but that is usually all they are

 

if you provide more info then you will get more advice

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Are they trying to contact you directly ? if one of those companies is still contacting you then the OFT say this -

 

f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so

c. refusing to deal with appointed or authorised third parties, such as Citizens Advice Bureaux, independent advice centres or money advisers

d. contacting debtors directly and bypassing their appointed representatives

 

e. operating a policy, without reason, of refusing to negotiate with debt management companies

 

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they are nationwide, i owe them £9XXX and the offer is for £130 per month. they are refusing as they state they either want a lump sum of half the amount off me and they wioll write off the other half or they will accept 3% of the debt per month, which i can't afford.

Edited by 42man
Edited due to original poster being identified...
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Payplan do a good job, but if a County Court Claim form comes your way, then they fill it in for you and you get an instant judgment, which has angered a few people on here in the past when the debt has been disputed, due to excessive charges, a non compliant default notice, dodgy agreement, no notices of assignment etc...

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it's a credit card debt.

I thought that offer was reasonable so i was shocked when they refused it, the case has now been passed to their solicitors who will decide about the CCJ action. Do you think it is likely they will take this action?? as i have agreed to pay them a fair amount.

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The Consumer Forums - Debt collectors

 

letter 8

 

it is a request that you send out to get a copy of your credit agreement, it costs £1 and they have to supply within 12+2 days, after this time the account is in dispute and you can if you wish withold payment.

 

it lets you see whether there is a valid enforceable agreement.

 

send it recorded; do not sign it; £1 postal order

 

 

If they want to play silly buggers - well so can we :-)

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do you think payplan would have checked the credit agreements on my behalf?

i'm a bit worried about withholding payments if they don't send them in specified timescale, do you think i'll have a better chance of no CCj action if i play ball and continue to offer and pay what i can? the last thing i want is CCJ action.

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