Jump to content


  • Tweets

  • Posts

    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Pay Day Loans


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5308 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello everyone, my second post on this site. I have been silly enough to have four payday loans which I could manage until this month. Instead of going to the company and asking for them to freeze interest I went straight to a debt management company. Do you think I have done the right thing?

 

All the payments were due today and they have all been phoning me already - one of them leaving me quite a nasty message.

 

Any thoughts would be appreciated,

 

Thanks.

Link to post
Share on other sites

Dont deal with them over the phone, do everything in writing. We have a payday loan with Pounds Till Payday and after my husband gave them a mouthful of abuse we have told them not to contact the telephone numbers again and the only correspondence they will have from us is in writing. They dont like it but its tough.

 

Also save any messages, they are not allowed to threaten you.

Link to post
Share on other sites

stick to your guns change your mobile number only speak to them in writing make sure they all no ure cirumstances fax them and email them at same time so they acknowledge you dont let them put pressure on you at all it as happend to all of us none of us set out to take out these loans and then not pay them back circumstances change and these companies need to allow for that

 

concentrate on each debt one by one to get them clear off there chrages are unlawfull and so are there agreements if it went to court id like to see wat judge thought of the contract and apr they charge

 

at end of the day you have not broke the law and pay back the debt in your own time there is more to life than a number on a screen i have 12 payday loans and not letting it get me down otherwise i would be a reck just take it one step at a time aslo cancel your bank account and have your wages paid into another account this should stop them taking anymore of your wages but do not give them your new bank deatils these cowboys just take wat they want ask them for there bank deatils wen making arrangements

Link to post
Share on other sites

yes they will try and take money out no matter what you are doing wen u sign for your payday loan u tick a box to say they can charge your card some banks will still let these payment go through even if you card has a new cv2 number the bank class it as on going agreements - if your lucky enough to have dd with these companies keep cancelling them casue they will try to set up new ones - make all these companies aware of your situation and dmp are good for some people but they do keep you in debt longer as u dnt have the freedom to up your payments and also most companies once u have been paying them back will normally except full and final settlements for us much as 75% of your debt espcially if they have been passed over to clarity or dlc as they bought the debt for less than this so as long they make profit there not bothered - can i ask who your dmp is with as u dont wanna be paying a fee for this ?? have your tried cccs or payplan there both free ??

Link to post
Share on other sites

I have asked by bank to send me a new direct debit card and cancelled the other one I have four loans. The Pay Day Loan Company; Pay Day UK; Safeloans and Wage Advance. The loans only total about £1500 but I was paying back £350 per month in interest. Plus I have added a credit card and an old electricity bill to my DMP. Being a single mum (even though I work full time) with no payrise for 3 years - things just got out of hand. I spoke to PayPlan but they would only take on my debts if it was more that £8k. I am using Vincent Bond - they are charging £25 per month and said that I can always up my payments if I want to.

Link to post
Share on other sites

hi i really understand your situation but a dmp aint doing nothing i coudlnt help you with and plus charging u 25 quid a mth the creditors will accept your repayment plans as much as they would from dmp people plus u save 25 more dnt panic about the intrests let the loan pass over to a collection agency dont panic they dnt visit your home at all and it wont get to court then u can negotiate and get the intrest removed as it is unlawfull wat court in the world would accept the apr they charge its a joke u can clear your debt for half the price if you do it right

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...