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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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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.
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Legal victory over Swift!?


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Woman's victory over [pounds sterling]50,000 bill.

 

 

The Star (Sheffield) (Sheffield, England) | April 24, 2006 | COPYRIGHT 2006 Johnston Publishing Ltd. This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan. All inquiries regarding rights should be directed to the Gale Group. (Hide copyright information) Copyright

 

 

A SHEFFIELD woman has won a legal victory after being ordered to pay back more than [pounds sterling]50,000 on a loan of [pounds sterling]11,000.

Rosalind Hanagan took out the loan to cover debts of [pounds sterling]11,000 using a house her mother left in her will as security.

But she found that even after paying off more than [pounds sterling]22,000 she still owed another [pounds sterling]29,000.

Rosalind's problems began when she signed up to the loan with Brentford-based Swift Advances plc

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The main reason I put this item on was to see if anyone out there in CAG world could investigate how this lady won....when others haven't?

 

Are there any budding Sherlocks or Hercule's that can shed any further light ?

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Hi Dougal

 

I think you need to change your avatar, to either a jack russell or a bloodhound, as nothing will get past you without a fight.:)

 

Doc

 

Hi Doc

 

I am pleased to say that my Westie let's absolutely nothing past him.....!!

 

Thanks for the kind thought.

 

Dougal

 

ps: I sent an e-mail to the Sheffield Star last night requesting a full copy of their report.....

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Evening all - as promised:

Courtesy of the Sheffield Star, 18/9/2009.

 

Woman’s victory

over £50,000 bill

 

A SHEFFIELD woman has won a legal victory after being ordered to pay back more than

£50,000 on a loan of £11,000.Rosalind Hanagan took out the loan to cover debts of

£11,000 using a house her mother left in her will as security.

But she found that even after paying off more than £22,000 she still owed another £29,000. Rosalind’s problems began when she signed up to the loan

with Brentford-based Swift Advances plc.

When she took out the loan her only income was Income Support and she fell into

arrears with the payments. But she then discovered that even though she had not been in

arrears for more than 18 months the balance was still going up and not down.

Rosalind, of Greystones, had to try to sell her house just to meet the payments and Swift were threatening to take her to court if she did not pay another £29,000 straight away.

She turned to Louise Joloza of Howells solicitors in Sheffield who negotiated a settlement which has cancelled out the remaining debt.

The loan company has also removed the charge it had over her property and agreed to pay her legal costs.

Rosalind said today she was relieved and delighted the case had now been resolved.

She said: “The last few years have been a financial nightmare for me because I couldn’t

see any way out of this massive debt, which just seemed to grow

and grow.

“It is such a relief to know that my home is safe and I don't have to make any more payments. I’d advise anyone in a similar situation to take legal

advice - for me, it has been an absolute lifeline.”

Ms Joloza said: “Essentially,Mrs Hanagan had signed up to an improperly executed agreement- entailing complicated legal arguments, which can be very difficult to fully understand.

“We argued that the agreement was unenforceable as it failed to comply with the

requirements of the Consumer Credit Act 1974, in that it failed to correctly state an amount of credit.

“The agreement also failed to provide her with a term stating how she was going to pay off the legal and documentation fees, which had been added to

the account.

“These credit agreements, although extremely complicated, are now very common.

They can leave people in dire financial straits.”

 

Needless to say I am now writing to Ms Joloza!!

 

Best wishes

 

Dougal

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I've read as much is available from your links and I presume it would be a miss sell if the borrower was on income support when the loan was taken out.

Well I was on income support at the time.

If my post helped you feel better, click my scales.

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Evening all - as promised:

Courtesy of the Sheffield Star, 24th April 2006.

 

Woman’s victory over £50,000 bill with Brentford-based Swift Advances plc.

 

Best wishes

 

Dougal

 

Good morning everyone,

 

I am today contacting the Court and requesting details of how to obtain a transcript of the case.

 

I'll let you know what happens......!

 

As always

 

Dougal

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