Jump to content


  • Tweets

  • Posts

    • Aesmith - Thank you for your recent interest in my issues.  Input on people's topics can be most useful from specialised experts or those that have similar experiences.  Some people really struggle with knowing what to do (I certainly do) - so it is most useful and helpful and reassuring when solid sensible advice is offered.  I have found there to be some very kind, helpful, supportive and legally knowledgeable people here on cag over the years - who give sound legal advice for people to roll up their sleeves and follow up on.   Of course, sometimes it can be quite challenging sifting the wheat from the chaff.  I don't have lawyer or barrister.  I sometimes attend pro-bono legal clinics for help.  And sometimes have access to barristers via a pro-bono service called Advocate.  Both ad-hoc. Pro-bono means 'free'
    • The Judge was wrong. The keeper is only INVITED to say who was driving, there is no obligation for them to say.
    • Member of the Question Time audience asks Richard Tice about Donald Trump.    
    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
  • 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 
      • 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

NDR again, refused token payment and charge freeze.


tonixx
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4056 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

I CCA'd my 2 accounts with NDR, both was valid, now ive sent a letter asking them to freeze interest and charges and accept £10 a month (for a 12 month period), they replied with 'it doesnt reach their minimum payment' and they wont freeze charges and interest. :(

 

is there a follow up letter for once they refuse? I saw one before but cant find it now :confused: not sure if it was on this site tho.

 

They also said if I dont get upto date they will forward onto a 3rd party - which i wouldnt mind, they wouldnt be able to add charges, and would probably agree to a lower payment.

But I also recieved a letter saying it would go to court, wish they'd make up their mind!

 

:rolleyes:

Link to post
Share on other sites

I CCA'd my 2 accounts with NDR, both was valid, now ive sent a letter asking them to freeze interestlink3.gif and charges and accept £10 a month (for a 12 month period), they replied with 'it doesnt reach their minimum payment' and they wont freeze charges and interest. :Cry:

 

is there a follow up letter for once they refuse? I saw one before but cant find it now :confused: not sure if it was on this site tho.

 

They also said if I dont get upto date they will forward onto a 3rd party - which i wouldnt mind, they wouldnt be able to add charges, and would probably agree to a lower payment.

But I also recieved a letter saying it would go to court, wish they'd make up their mind!

Link to post
Share on other sites

Guest Cartaphilus

More than highly likely, yes. NDR are of the variety of in-house ones that do a 'lot of huffing and puffing' but not much listening to your situation. If at all.

 

You are correct in surmising that when it eventually gets passed to an actual DCA (which NDR isn't just collections/arrears for SD/Littlewoods/any number of other catalogues under that umbrella name) it may be easier to negotiate with them re lower payments. Whilst with NDR, though, they won't, they will continue asking you for more and they will not back down. I will now mention this because I know at some stage they will 'offer it' to you either in a phone call or by letter. They may at some point try to get you to take out a loan to cover the old debt. This is a fairly common thing I know happens with mostly anything NDR/SD/LW related. Refuse.

 

As to their letters, which I've seen plenty of from NDR (all generated, of course) they are no different to any other threatoratic letter.

 

As to the validity of what you've received, perhaps you'd need someone to take a look at it? The older it is, the least likely it contains certain things.

 

In other words, if you can let someone take a look at it on here, it may be of very positive benefit to you right now. Blanking out all personal details, of course.

Edited by Cartaphilus
To correct grammar
Link to post
Share on other sites

Guest Cartaphilus

Yes, the 'here's one I made earlier but this is how it looks now' ones. But mostly all look the same now. I think they started using those new look ones post April 2007. Which, of course, is when things changed for what had to be contained in an agreement. Funnily enough. ;)

Link to post
Share on other sites

i have been on a repayment plan via NDR (littlewoods now Very) for nearly 2 yrs via the cab ...my advisor recently sent a yearly report and new offer of payment to then and i recieved a reply from Very this morning ....

 

according to our records oyour clients balance is XXXXX it is not our policy to suspend interest (must be new have done it last year and a half) look forward to recieving a payment scedule ...meanwhile a token payment should be made by 19th April until an agreement is made (recieved this letter this morning 21st april)

Link to post
Share on other sites

They may at some point try to get you to take out a loan to cover the old debt. This is a fairly common thing I know happens with mostly anything NDR/SD/LW related. Refuse.

 

This is why they are valid, as i already did this, they told me it was the only way to get the debt paid off, i agreed at a price i could afford but circumstances changed and i cannot keep up. They refuse to help me, so what can I do. :(

Link to post
Share on other sites

have you been to see the CAB or CCCS they sometimes take more notice via a third party

 

....i have just found my written agreement from littlewoods extra (now very) agreeing to reduced payments b and suspend interest for 36 months getting it sent to advisor and them direct by recorded delivery tommorow

Link to post
Share on other sites

This is why they are valid, as i already did this, they told me it was the only way to get the debt paid off, i agreed at a price i could afford but circumstances changed and i cannot keep up. They refuse to help me, so what can I do. :(

did i read this correctly? you were told to take out a loan in order to get the debt paid off? this is a total no no....personally i would be paying them what i can afford NOT what they want....

Link to post
Share on other sites

Physical/psychological harassment

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

2.6 Examples of unfair practices are as follows:

a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

 

issue a complaint to the oft immediatly you should never have been asked nor pressured into taken out further funds by borrowing more money

Link to post
Share on other sites

Yes that is what they told me. This was before I joined this site. I never thought this would be against any rules.

 

Obviously I didnt record any phone calls, so how could I prove it...

 

I will look into reporting this now.

Link to post
Share on other sites

Just a quick question, Ive found the online form to fill in for a complaint, on consumerdirect - part of OFT.

 

Will this cost me anything? I cant see anything on the site?

 

Also should I put that theyve been adding more and more interest or is that not what they'd be bothered with...?

 

Im going to email them the complaint first, and as soon as I get a reply with whats what, I will call them and ask them everything too.

Link to post
Share on other sites

I had a call yesterday but couldnt discuss it properly, as I was out, couldnt talk and didnt have any paperwork with me. The lady is calling me back on Tuesday as she only worked til 2.30 yesterday.

 

I willl keep you updated.

Link to post
Share on other sites

Yes that is what they told me. This was before I joined this site. I never thought this would be against any rules.

 

Obviously I didnt record any phone calls, so how could I prove it...

 

I will look into reporting this now.

 

The general advice on this site is...DO NOT RING THEM.

They lie through their back teeth to get you to agree to anything and then deny the phone call ever happened.

Why are you not heeding this advice?

Get everything in writing to create a paper trail.

Do some more reading on here and find out what these 'companies' are really like.

jed

Link to post
Share on other sites

  • 2 years later...

Hi, I have 3 enforceable debts, who sit currently with Red!

 

They was Lowells, who passed it to Red.

 

I have been paying the debts at £5 per month (each one) for over a year, a few months ago I recieved a letter saying my year agreement was up and I needed to rearrange payment. I ignored it, because, I am and have been paying, and thought stuff em tbh.

 

Then it came to Red, it had been forwarded, they had it and are going to pass it to Hamptons legal who will apply for a CCJ.

 

Am I right, these are all the same company? As each month as my payments go out my bank thru SO, each letter I get, my debts are dropping!

 

Is there anything they can do? All 3 debts equal upto about £800 - not alot.

 

Im thinking, Im paying, so they cannot take me to court? Im looking for reassurance here, do these latest letters join the rest in the bin or do I contact these morons. I dont wana waste money on a stamp for them.:-x

Link to post
Share on other sites

CCA requests would be a wise option here, if CCA applies. What types of debts are these ?

 

Even if you are paying £5 a month, this does not mean that they could not apply for CCJ's, but if the £5 a month was found to be a realistic amount by a court, then they would not have gained much.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

, they had it and are going to pass it to Hamptons legal who will apply for a CCJ.

 

Lowells, Red and Hamptons are all the same company.

 

Are you sure they WILL apply for a CCJ or is it their usual 'MAY' take legal action or 'WILL CONSIDER' a CCJ, etc? :wink:

Link to post
Share on other sites

get an SAR off to the cat company

 

and get reclaiming

 

most cat debts are 90% PENALTY charges

 

name the accounts please

 

and i hope you are not paying a dca as well?

 

NEVER EVER pay a DCA

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...