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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
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1st crud - new tactic!! or just run out of ideas


PGH7447
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History

 

Got an alledged account with these fools

 

sent CCA got back an application form and 2 sets of T&C's (not attached)

 

Doing the right thing offered a payment plan if they deducted the charges and ppi

 

got a No back but would accept the payment plan on proof of I&E

 

I said No thanks account now in dispute due to unenforceable application form.

 

Today received what can only be described as a veiled threat.

 

Dear Delinquent (Thats Me)

 

"You have been provided with an EXACT copy of the credit agreement (that would be the application form then) which EXCEEDS our obligation to supply a true copy and therefore the matter has now been referred to LCS solictiors (next desk then). No default situation is currently in effect and we are entitled to seek enforcement in any event (!!). LCS will be in contact with you in due course. (Scary)

 

In the meantime if you wish we would be obliged to recieve your comments upon the non compliant elements of the documentation we have supplied as we consider the breaches you allege to be inaccurate. !!( sorry Dear your the SUPPOSED EXPERTS you tell me why an applicatio form is not a credit agreement)

 

yours 1st crud compliance monkey

 

---

 

To be honest I cant be bothered to deal with these idiots anymore, so any thoughts on getting shut of them for good.

Edited by PGH7447
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There is little point playing letter tennis with this 'people'. The just send rude rubbish back with selectively misquoted extracts from the cca.

 

Here's the last letter I sent them - although I sent it by e-mail because they arnt worth a stamp!

 

This was in response of been sent to the pre-litigation team if I didnt pay up, which I took to mean next draw down in the filing cabinet!

 

(havent heard from them since)

 

Today I have received your letter of xx October 2009. I have checked my records and I have no record of receiving the earlier letters to which you refer. OK so I threw them in the bin I admit it

 

However, to date I have not received any communication or documentation from 1st Credit which provides any legally enforceable proof whatsoever that I owe any money to this company. I am certainly not going to pay any money on a debt I do not recognise just because you or any of you colleagues think I should.

 

Consequently, I am not sure what appropriate reply I should give at this time. Perhaps you can clarify this for me?

 

No doubt if you write again, you will enclose definative legally enforceable proof that there is any matter that I should acknowledge and/or correspond with 1st Credit over. If you do not then I fail to see what reply I could appropriately give without wasting my time and yours.

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I agree with you PGH.

 

What is the point of wasting your time corresponding with these eejits. Its not up to you to explain the law to them. They have enough overpaid monkeys to do that for them

 

cheers ODC and hungrybear.

 

this has dragged on for months, the thing is I did offer a reasonable solution that these fools completely disregarded.

 

which unlike the CSA article in the guardian, we do wish to pay but not under duress, if you are reading this Ms de tute and Mr nathoo.

 

sort your F******* companies out

 

so 1st crud bring on your pet solictior at the next desk:evil:

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cheers ODC and hungrybear.

 

this has dragged on for months, the thing is I did offer a reasonable solution that these fools completely disregarded.

 

which unlike the CSA article in the guardian, we do wish to pay but not under duress, if you are reading this Ms de tute and Mr nathoo.

 

sort your F******* companies out

 

so 1st crud bring on your pet solictior at the next desk:evil:

 

 

I now see where it all went wrong for you in dealing with 1st!

 

- the very same company that told me in writing that the CCA was not relevant to my debt and when I asked what legislation it did come under they said that 'that was a matter for me to sort out'. So i've decided that they are now covered by the Ignore Act 2009.

 

And another thing. If they owed you money and you could not prove it in court, how much do you thing you would get?

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it is very obliging of them to confirm that what they sent you is the EXACT copy of your CCA

 

therefore if it is not compliant then they can now not produce any other document that purports to be the CCA to a court so they have "fillited their own donkey"

 

however i disagree that it should be ignored- belt and braces

 

just a simple response

 

dear sirs

 

thank you for your letter of XXXX I note the contents.

 

Thank you for confirming that the enclosed "pre contractual application form" is in fact relied upon by you as a properly executed credit card agreement

 

It is not for me to give you legal advice on your documentation and perhaps if you are unable to see the defects in the agreement you should not be in possession of a consumer credit licence

 

I do not intend to engage in circular arguments on this matter therefore all future correspondence , save for service will be filed unanswered

 

Y F

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it is very obliging of them to confirm that what they sent you is the EXACT copy of your CCA

 

therefore if it is not compliant then they can now not produce any other document that purports to be the CCA to a court so they have "fillited their own donkey"

 

however i disagree that it should be ignored- belt and braces

 

just a simple response

 

dear sirs

 

thank you for your letter of XXXX I note the contents.

 

Thank you for confirming that the enclosed "pre contractual application form" is in fact relied upon by you as a properly executed credit card agreement

 

It is not for me to give you legal advice on your documentation and perhaps if you are unable to see the defects in the agreement you should not be in possession of a consumer credit licence

 

I do not intend to engage in circular arguments on this matter therefore all future correspondence , save for service will be filed unanswered

 

Y F

 

100% class.

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the important thing is a response

 

clearly there is no need to respond to comments or issues that have already been dealt with , however some sort of response is always advisable if a new point is thrown up

 

otherwise when costs applications are made the other side may well refer the judge to loads of unanswered communications

 

it also helps get the judge onside if he can see that you have acted promptly in addressing communications and trying to resolve the matter outside of the court process

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And do not forget to send them a Christmas Card.

 

Well somebody has to make them happy and you drew the shortest straw. :D:D

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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offer them a payment

 

what card will that be sir

 

a christmas card

Why not post that in the thread about Cheekiness to DCA's. See if members can block their telephone lines with that gag. Its brilliant.

 

Ha ha ha ha :lol::lol::lol:

 

Eehhhhh dont we half love them. :lol:

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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  • 1 month later...

These fools have now unleashed "Drum Roll Please"

 

LCS Solicitors "quaking in my boots about now"

 

Brief summary of their threat-o-gram

 

Dear PGH

 

We refer to the above and write to confirm that our client (1st Crud) has instructed us to proceed legal action (Shock Horror) to recover the debt owing to 1st Crud (sorry numpty dont owe 1st Crud anything, owe the OC but that is a different matter)

 

Then the rant on about carey v HSBC and how I should familiarise myself with this case - Impertanant barstewards

 

Then this strange paragraph

 

"We therefore look forward to hearing from me with proposals for payment etc tec" - then - "If we do not hear from you by said date we are instructe to proceed with a letter before claim"

 

Would that be another Letter before action then?

 

Thoughts anyone

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These fools have now unleashed "Drum Roll Please"

 

LCS Solicitors "quaking in my boots about now"

 

Brief summary of their threat-o-gram

 

Dear PGH

 

We refer to the above and write to confirm that our client (1st Crud) has instructed us to proceed legal action (Shock Horror) to recover the debt owing to 1st Crud (sorry numpty dont owe 1st Crud anything, owe the OC but that is a different matter)

 

Then the rant on about carey v HSBC and how I should familiarise myself with this case - Impertanant barstewards

 

Then this strange paragraph

 

"We therefore look forward to hearing from me with proposals for payment etc tec" - then - "If we do not hear from you by said date we are instructe to proceed with a letter before claim"

 

Would that be another Letter before action then?

 

Thoughts anyone

 

Hmm you might want to write back thanking them for misquoting case law at you.

 

As I'm sure they know Carey v HSBC is on assumed facts at present and not gone to full trial yet, also its in regards to s78 responses and not governing enforceability under s127(3) as would be the case here and the biggy........... Waksman was keen to point out that this was the debtor taking a bank to court to the burden of proof fell solely on the debtor.

 

In any event if this is an old credit card then the s78 response hasnt been complied with unless they've sent you all t&c variations, tell them to read the same case if they dont believe you :-D.

 

S.

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