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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Important New Loan Regulations


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OFT Loans.pdf

 

I haven't seen this posted elsewhere but think it is important enough to warrant publicity.

 

New legislation came into force on 1 October 2008, part of which concerns fixed sum credit agreements (i.e. loans) which states that all lenders must send out an annual statement for all new loans, but also an annual statement for loans which pre-date the 1 October 2008 by the 1 October 2009 and every year until the loan expires.

 

In my case MBNA have not complied. If you look at Section 9 the creditor cannot enforce the agreement nor is the creditor entitled to charge interest if a creditor does not provide the annual statement when he is required to do so!

 

Wanted to bring this to peoples attention so sorry if it is on here somewhere else.

 

Exchange

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[ATTACH]13473[/ATTACH]

 

I haven't seen this posted elsewhere but think it is important enough to warrant publicity.

 

New legislation came into force on 1 October 2008, part of which concerns fixed sum credit agreements (i.e. loans) which states that all lenders must send out an annual statement for all new loans, but also an annual statement for loans which pre-date the 1 October 2008 by the 1 October 2009 and every year until the loan expires.

 

In my case MBNA have not complied. If you look at Section 9 the creditor cannot enforce the agreement nor is the creditor entitled to charge interest if a creditor does not provide the annual statement when he is required to do so!

 

Wanted to bring this to peoples attention so sorry if it is on here somewhere else.

 

Exchange

 

Hi Exchange a couple of questions..... even tho is doesnt affect me I'm a nosy so and so :-D

 

1. What regs is this under CCA2006?

2. If the creditor after realising its mistake suddenly restarts annual statements are they still unable to enforce?

 

S.

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Hi the shadow, I haven't had time to dig into all the what ifs and they probably need testing anyway as this is all new. The OFT attachment explains it but it surely opens another can of worms for the creditors:D.

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A new Section 77A in the 1974 Act requires lenders under regulated fixed sum credit agreements, to give their borrowers a statement within a year, starting on the day the agreement is made, and thereafter at intervals of not more than one year.

 

Statements must continue to be given until the credit is fully repaid or settled. This obligation applies to existing as well as new agreements.

 

For new agreements implementation is 1 October 2008. For agreements in existence on that date, transitional provisions require the first statement to be given within a year. The creditor may not charge for issuing these statements.

 

Here is the full Legislation:

 

http://www.opsi.gov.uk/si/si2008/uksi_20082826_en_1

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Totally agree dd!

Maxedout, 'Account properly terminated and in dispute' simply means that the correct procedure has been gone through by the CCC in that they have issued a default notice (although it may be defective) and then sent a letter terminating the account. I have put the account 'in dispute' because the agreement is unenforceable. Hope that answers it for you.

Exchange

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bump again.

 

If you don't get a statement as prescribed you can dispute a loan as detailed in the link.

 

I think it's important!

 

 

That's got to be one of the most recent amendments to CCA1974 but why has it taken us so long to get to grips with this act? Is there a template letter to query this, and put the account in dispute, for example:???:

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That's got to be one of the most recent amendments to CCA1974 but why has it taken us so long to get to grips with this act? Is there a template letter to query this, and put the account in dispute, for example:???:

 

the first annual statement is not due yet on old agreements so there cannot be any cause for complaints on this issue just yet!!

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