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    • You were given this PCN because you overstayed not because you went to Starbucks or MaccyDs from the other car park. I assume therefore that the parking time is only 30 minutes as you were recorded as being there for 38 minutes. Given that there is a Consideration time and a Grace period  as well as the time between their photographs of your car arriving and leaving one wonders why they gave you a ticket. Force of habit I suppose. Because they are on airport land which is governed by Bye Laws that supercede PoFA we do not usually look at their PCNs there because in none of them can the charge be transferred from the driver to the keeper  as would normally happen after 28 days if the charge is unpaid and the land is not subject to Byelaws. In your case as they have failed to specify the Parking period  which is the time car is spent actually parked in a parking space not the bit that they include which is driving from the entrance to the parking space and the other bit from the parking space to the exit. As that reduces the lawful time you were actually parked I would suggest that they have breached your GDPR.
    • I believe it to be, yes. no payment or acknowledgement of any debt to them since Feb 2018
    • Original credit agreement for them to prove the debt. Post 2 is the pro rota, I did this to the Original creditors sometime ago with offers of payment i got no reply, soon after the dca started sending me letters and phone calls. Thanks 
    • and another low spot for investment in Brexit UK (I dont give a monkeys about the bank) Coutts prepares to de-bank Britain At an event this week the bank’s chief investment officer Fahad Kamal said: “Currently, about 20 per cent of a standard balanced portfolio here is UK stocks, which is something of an anachronism. “It would be closer to three per cent or four per cent if it were more commensurate with the proportion of UK stocks in global stock markets. So this is a recalibration. The 332-year-old lender, which has King Charles as a client and, until recently, former UKIP leader Nigel Farage, will transfer £2 billion from British funds into overseas investments, reinforcing the “inexorable trend of outflows from the UK”, Charles Hall of investment bank Peel Hunt said. Coutts prepares to de-bank Britain WWW.THELONDONECONOMIC.COM "This is a large transfer of assets from the UK to global funds, which reinforces the inexorable trend of outflows from the UK."  
    • another high spot from the locals Ten candidates managed to avoid the indignity of losing to Count Binface in London - but Nick Scanlon of Britain First was not one of them.   Oh dear! Britain First in meltdown after LOSING to Count Binface WWW.THELONDONECONOMIC.COM Ten candidates managed to avoid the indignity of losing to Count Binface in London - but Nick Scanlon of Britain First was not one of...  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Advice / opinions appreciated


poppadom dog
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HI there - been a while since I've visited. I was repossessed about 18 months ago - have had negotiations with lender regarding shortfall but getting no where. I would like your opinions on the nackground to our case and if we can take it further.

 

We had a mortgage will lender (will call it LENDER01) which began in 2003. In 2004 we had approx 2 months arrears and they sold the mortgage debt to LENDER02. Both lenders were at exactly the same address just with two different names. I was quite ill and things got worse for us. I usually handles all the finances but my husband took over as I was too ill to cope. He arranged a remortgage through a broker. We were sent all the paperwork and the mortgage went through. It was only after that I realised the people we were corresponding with (who I thought were the kender) were some sort of package company and our new mortgage was now with LENDER01 who had sold the debt 6 months earlier.

 

At the time I was worried that we were back with the original lender, but find it incrediuble that LENDER01 who sold the debt due to arrears had given us a new mortgage for more money on a higher interest rate (to cover the arrears on the old mortgage). Surely they would have checked our file before approving the mortgage and seen that we had arrears with them?! Wasn't it irresponsible for them to lend when they had already sold a previous debt?

 

I just wonder if it is worth taking this further with the authorities.

 

Many thanks for reading

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I guess no advice or opinions then! Cheers

 

Hi poppadom dog

 

In this area of the site is normally only those people who are fighting a repossession and those that may be able to give support and help. Postings can get overlooked .....

 

Back to your question, first you need to gather all the facts, make up a file of all the letters and applications and agreements. Then you will to get extra information from the the Lenders, remember to ask specifically for the underwriting sheet as well as all available information that they hold on you. This is done by a SAR Subject Access Request (do a search on here for more information and the how to) the cost will be £10 per Lender.

 

The next step is to make a complaint to the two Lenders, they will ignore this or fob you off, but it is an important step.

 

Then your complaint will be to the FOS , who will investigate.

 

Good Luck

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Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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