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    • 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  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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Money Shop - Cheque Loans


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Hi,

I have a loan with the money shop. I basically gave them 5 cheques for £100 each, undated... pay them £15 per month per cheque, and if i dont pay them, which happened once, they let the cheque go to the bank and get their money that way..

 

Great! That one time i forget the date and it was too late before I realised.

 

My bank account had already been closed ...another thread entirely :D ( http://www.consumeractiongroup.co.uk/forum/general-debt-issues/156401-hsbc-agreement-illegible-unsigned.html ) But thats fine, no comeback from the bank yet.

 

I have been given CCA from the Money Shop which I will post later...just wondering, has anyone had a similar loan, if so has anyone found a way to beat them yet?

 

They are not troublesome yet, but its getting to the stage where I wont be able to afford them for much longer, and I have heard in these situations that they just let the cheques go back to the bank....they get their money, and the bank go after you for fraud as the account is closed and you should not be writing cheques!!

 

This all took place before my bank account was closed by the way, so it certainly was not fraud....desperation at the time... but all above board at that time.

 

Any advice would be greatly appreciated:D

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  • 4 months later...
Hi,

I have a loan with the money shop. I basically gave them 5 cheques for £100 each, undated... pay them £15 per month per cheque, and if i dont pay them, which happened once, they let the cheque go to the bank and get their money that way..

 

Great! That one time i forget the date and it was too late before I realised.

 

My bank account had already been closed ...another thread entirely :D ( http://www.consumeractiongroup.co.uk/forum/general-debt-issues/156401-hsbc-agreement-illegible-unsigned.html ) But thats fine, no comeback from the bank yet.

 

I have been given CCA from the Money Shop which I will post later...just wondering, has anyone had a similar loan, if so has anyone found a way to beat them yet?

 

They are not troublesome yet, but its getting to the stage where I wont be able to afford them for much longer, and I have heard in these situations that they just let the cheques go back to the bank....they get their money, and the bank go after you for fraud as the account is closed and you should not be writing cheques!!

 

This all took place before my bank account was closed by the way, so it certainly was not fraud....desperation at the time... but all above board at that time.

 

Any advice would be greatly appreciated:D

 

Hi...been a while since I started this, at the time there were very few threads about the money shop or Pay Day Loans...That seems to have changed dramatically since then!!

 

Anyway, if anyone can advise... My Debit/Cheque guarantee card has now expired, and as I said in my first post, the bank account has been closed for approx a year now.

I am struggling to cover these cheques each month now, and my question is... If they send these cheques to the bank.... will the bank still honour them if the account has been cancelled? Presumably, no account means my old cheque facility will also be gone?

I cant afford to wake up the bank again...they have been quiet for so long lol ...so I do not want to ring them...Without an account, i cannot even get through to speak to them anyway.

 

Any thoughts or advice please? If I knew the bank would just return them unpaid I would challenge Payday loans and the money shop :)

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Cheques are usually only valid for 6 months once dated (or it might be three), either way if they present them undated that is illegal...

Thanks Sillygirl1... problem is they will date them as and when required...ie: when I dont pay them. But as there is no account with the bank at all now... will they pay out on them still?

 

Thanks :)

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I do not rearly understand what advice you are looking for here.

You have answered your own question rearly

It you have no bank account, any cheques you have written on that account will be dishonored.

 

If you cannot afford the repayments on the loan, you need to contact the creditor and ask if you can make reduced payments.

 

Have you considered sending a CCA request?

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I do not rearly understand what advice you are looking for here.

You have answered your own question rearly

It you have no bank account, any cheques you have written on that account will be dishonored.

 

If you cannot afford the repayments on the loan, you need to contact the creditor and ask if you can make reduced payments.

 

Have you considered sending a CCA request?

 

Hi AlfWithHair

I guess I am just looking for confirmation really.

Before I start taking these on, I want to be sure I am not making things worse for myself with the Bank. The account was closed not on very good terms. So even though these cheques were given to Money Shop whilst the account was in good order, it became messy after that... the account was closed and since then the cheque guarantee card expired a few das ago.

As the card expired, they have been threatening to return the cheques to the bank...I dont want that.

I just dont want trouble with the bank too ...I have a feeeling The Money shop will be annoying enough to deal with as it is!

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Hi AlfWithHair

I guess I am just looking for confirmation really.

Before I start taking these on, I want to be sure I am not making things worse for myself with the Bank. The account was closed not on very good terms. So even though these cheques were given to Money Shop whilst the account was in good order, it became messy after that... the account was closed and since then the cheque guarantee card expired a few das ago.

As the card expired, they have been threatening to return the cheques to the bank...I dont want that.

I just dont want trouble with the bank too ...I have a feeeling The Money shop will be annoying enough to deal with as it is!

 

I am actually struggling to see how this can even be considered a loan really... They gave me £500 ..I gave them £500 worth of cheques.. and each month I paid them £15 per cheque to extend them. This has been going on for nearly two years now... £60 per month for say 20 months.. that is £1200 and a lot more if the bank allow them to cash my £500 in cheques.

 

I will CCA them once I am sure that they cannot get that £500 from the bank

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Technically the bank shouldn't pay out on them but because all the 'backroom' stuff appears to be done offshore you don't know the level of training people have there who process these cheques.

 

I think that this is part of the reason the banks are abolishing cheques altogether... one lot of companies will have to find another loophole to exploit.

 

Sadly I don't think I can offer any more constructive advice on this.

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