Jump to content


  • Tweets

  • Posts

    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
  • 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

i wish to sell my car and have a log book loan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4605 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

Hi

 

I was wondering where I stood with regards to selling my car whilst i have a log book loan. I have never missed a payment or been late on one with them. All I want to do is sell the car then pay back what is left on the loan and use the rest of the funds to purchase a different car.

 

The other problem i have is my car is registered to my old address and in my maiden name but when i got married and moved LBL would not release my log book to let me change the details is there any way of doing this with the dvla without LBL being informed?

 

thanks

Link to post
Share on other sites

Hi

 

I was wondering where I stood with regards to selling my car whilst i have a log book loan. I have never missed a payment or been late on one with them. All I want to do is sell the car then pay back what is left on the loan and use the rest of the funds to purchase a different car.

 

The other problem i have is my car is registered to my old address and in my maiden name but when i got married and moved LBL would not release my log book to let me change the details is there any way of doing this with the dvla without LBL being informed?

 

thanks

 

 

so lets see no you cant sell your car, and you dont want lbl to know of any changes you make to your logbook. you do know your car will be on the hpi register.

 

how much is left on your car ???

Link to post
Share on other sites

  • 2 weeks later...

Hi MeHa

 

Your intention seems most honorable : )

 

I would write to LBL - and request a written settlement figure - the Law specifies that when you want to repay a loan early the Lender must follow protocol and ensure he offers you your settlement figure showing the rebate you are due.

 

Once you have that in writing and you are agreed that the figures stack up - (and that there are no hidden charges) sell your car and pay them off.

 

Nothing wrong with that.

 

Changes to logbooks and amendments to driving licences are done via the dvla.

 

Your agreement must still in your maiden name as well I suppose - these are mere administrative procedures that are easily followed through - no rush tho as you plan to sell the car and clear the loan - I shouldn't worry to much about updating LBL at this time. Just follow through with your plan.

 

Hope this helps?

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

Link to post
Share on other sites

  • 7 months later...
  • 3 months later...

Not too familiar with the legalities of the log book loan, I doubt whether the company providing the loan will have registered it. I don't expect it would show up on an HPI check.

You could apply to the DVLA for a new log book, and then sell your car. There are sites such as Car Arena where you receive multiple offers for your car and the dealers will settle your outstanding finance directly and pay the remaining balance to you before they purchase the car.

 

Having never done this with a log book loan I'm not sure about the process and how tied to your car the finance is, other than they have hold of your V5.

Link to post
Share on other sites

  • 2 months later...

Could i just ask what if i swap my car with another but continue to pay the loan would that be okay? Would the new owner have any problems getting a new logbook for it? I might even ask company to swap loan to new car once i got it as its of more value than current one

Link to post
Share on other sites

This post and in particular the advice given is similar to dozens of others on this site and the advice given makes me so angry that despite no interest in being a registered member I have to sign up and speak out.

Yes okay companies like LBL and MM charge extortionate APRs. Let’s just put to one side how much they make or don’t make (I’m guessing it’s not as much as most think as their bad debt must be astronomical compared with high street lenders, that’s the only reason their customers come to them, no one else will give them credit due to previous non-payment of debt). My issue is that of course they register HPI and finance on a vehicle. If in doubt pay the £20 and do a search on your car if you have finance and you will see for yourself. It’s how they protect themselves and its part of the terms of their license, one unlike other aspects they DON’T ignore. If lenders didn’t register finance a borrower could go from lender to lender doubling up each time. It would be like maxing out a mortgage on a house then going to the next building society for another mortgage. They all talk to each other to stop you doing it and that way of talking and stopping you is HPI and Experian.

With all that in mind, after all the venom and anger aimed at logbook loan and similar lenders (some valid, some not) why condone selling your car on to a totally innocent buyer who would legally have to take on a debt YOU took out, knowing it was unpaid but happy to do so just so you could “get one over” on LBL. Sorry but that’s low, and makes you far worse than the lender as at least you had an idea what you were getting into. The third party shmuck you prepared to mug just wants to buy your car.

Still as long as you don’t owe LBL anything and can stick two fingers up at them, I’m sure there are some who think anything else is detail, even if you leave victims in your path

Link to post
Share on other sites

Agree with samuel20 completely, don't leave your mess for someone else to clear up.

 

Any car company buying your car will automatically check if it has finance attached to it (using HPI) so you won't be able to do it that way.

 

Anyone in their right mind buying a car privately should invest that £20 and perform a HPI check for their own protection. If you don't do this then you could end up having to give car back to the finance company who technically will still own the car.

Link to post
Share on other sites

  • 3 weeks later...

I agree, seing it from the other side it is a distressing situation, it is all to easy to get e replacement log book, DVLA should check whether a loan is the reason for the log book being replaced and not just send out a replacement.

Link to post
Share on other sites

  • 1 month later...

:-x

This post and in particular the advice given is similar to dozens of others on this site and the advice given makes me so angry that despite no interest in being a registered member I have to sign up and speak out.

Yes okay companies like LBL and MM charge extortionate APRs. Let’s just put to one side how much they make or don’t make (I’m guessing it’s not as much as most think as their bad debt must be astronomical compared with high street lenders, that’s the only reason their customers come to them, no one else will give them credit due to previous non-payment of debt). My issue is that of course they register HPI and finance on a vehicle. If in doubt pay the £20 and do a search on your car if you have finance and you will see for yourself. It’s how they protect themselves and its part of the terms of their license, one unlike other aspects they DON’T ignore. If lenders didn’t register finance a borrower could go from lender to lender doubling up each time. It would be like maxing out a mortgage on a house then going to the next building society for another mortgage. They all talk to each other to stop you doing it and that way of talking and stopping you is HPI and Experian.

With all that in mind, after all the venom and anger aimed at logbook loan and similar lenders (some valid, some not) why condone selling your car on to a totally innocent buyer who would legally have to take on a debt YOU took out, knowing it was unpaid but happy to do so just so you could “get one over” on LBL. Sorry but that’s low, and makes you far worse than the lender as at least you had an idea what you were getting into. The third party shmuck you prepared to mug just wants to buy your car.

Still as long as you don’t owe LBL anything and can stick two fingers up at them, I’m sure there are some who think anything else is detail, even if you leave victims in your path

 

This has happened to me! I purchased a car last year, HPI'd it, nothing came back, had the car a few months, then sold on to my friend in February this year - LBL have just been to my friends to seize the car last weekend due to the owner before me taking out a loan on it! which I am very angry about, as we have had to do the honourable thing being friends and foot the bill!!!! I was angry that my friend has paid them, but he and his wife were terrified, they were very threatening!

 

The person who we bought it off who got he LBL on it has naturally moved addresses now!!! You can imagine how I am feeling right now!!!!

Link to post
Share on other sites

:-x

This post and in particular the advice given is similar to dozens of others on this site and the advice given makes me so angry that despite no interest in being a registered member I have to sign up and speak out.

 

Yes okay companies like LBL and MM charge extortionate APRs. Let’s just put to one side how much they make or don’t make (I’m guessing it’s not as much as most think as their bad debt must be astronomical compared with high street lenders, that’s the only reason their customers come to them, no one else will give them credit due to previous non-payment of debt). My issue is that of course they register HPI and finance on a vehicle. If in doubt pay the £20 and do a search on your car if you have finance and you will see for yourself. It’s how they protect themselves and its part of the terms of their license, one unlike other aspects they DON’T ignore. If lenders didn’t register finance a borrower could go from lender to lender doubling up each time. It would be like maxing out a mortgage on a house then going to the next building society for another mortgage. They all talk to each other to stop you doing it and that way of talking and stopping you is HPI and Experian.

 

With all that in mind, after all the venom and anger aimed at logbook loan and similar lenders (some valid, some not) why condone selling your car on to a totally innocent buyer who would legally have to take on a debt YOU took out, knowing it was unpaid but happy to do so just so you could “get one over” on LBL. Sorry but that’s low, and makes you far worse than the lender as at least you had an idea what you were getting into. The third party shmuck you prepared to mug just wants to buy your car.

 

Still as long as you don’t owe LBL anything and can stick two fingers up at them, I’m sure there are some who think anything else is detail, even if you leave victims in your path

 

This has happened to me! I purchased a car last year, HPI'd it, nothing came back, had the car a few months, then sold on to my friend in February this year - LBL have just been to my friends to seize the car last weekend due to the owner before me taking out a loan on it! which I am very angry about, as we have had to do the honourable thing being friends and foot the bill!!!! I was angry that my friend has paid them, but he and his wife were terrified, they were very threatening!

 

The person who we bought it off who got he LBL on it has naturally moved addresses now!!! You can imagine how I am feeling right now!!!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...