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    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • 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.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome finance - Attachment of Earnings


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Hi

 

Can someone please help me?

 

In July 2007 I took out a loan with welcome for £2k. I have received a copy of CCA following a SAR

 

Shortly after received the loan, I called to remove the PPI. This was done and I signed a new agreement on 04/09/07 - I have a copy of this

 

I moved house in Sept 07 and did advise them of my new address. However they clearly have gone through CCJ process with my old address and in June I had a deduction of £100 taken from my wages as the result of a AOE from progressive finance. The total oustanding on the CCJ is apparantly £6050. More than tripple the original agreement with PPI.

 

I am furious and really need to get this resolved. They have obviously taken no notice of the new agreement which was signed on 04/09/07

 

They also sent me a statement of account with the CCA which shows field visit charges - how can they visit me if I'm not there? I have also had letters through my letterbox at my new property, so clearly someone had my new address as I also confirmed it with the branch manager in a heated conversion in Sept 07.

 

What can I do now

 

ANY help would be much appreciated, I can't let them get away with this

 

Thanks

Craig

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So, you didn't receive the court papers before the CCJ?

Having informed them of a change of address, if they served the CCJ papers to your old address you have grounds for a set aside.

The AOE paperwork you received should tell you which court to contact. Apply to them for a set aside.

What is the position regarding arrears?

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I gota CCJ transfer form from my local court, I can only assume that my employer informed them of my address, there was no other information in the envelope, just 1 sheet

 

In terms of arrears, I paid 1 installment on the original agreement (with PPI), then they never changed the DD over. The secondary agreement was also in dispute as they changed the term from 36 to 24 months, but they never responded.

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