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    • My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA.  I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPCM to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and it is unfair to misguide motorists. I await your  response which I understand will usually be within a week.
    • It probably deletes after a certain time. What a shame you did not check at the time. However I have no doubt that there was a PCN envelope under your windscreen wiper  as shown quite clearly on one of the photographs. . It would seem strange that it was placed there empty hence the reason I stated a second Notice was issued [though not necessarily sent. As I said in that letter to IPC that was not what the complaint was about and probably  IPC will ask about that at the same time if they accept you  going direct to IPC for the other matter. It is immaterial how many original PCNs were issued or not issued. You are able to show the two that you have from their sar one of which coincides with the one you received in the post and that is the one that does not agree with the date times of PoFA. Thus breaching not only the Act, but also the IPC  Code of Conduct and the ability of UKPCM to obtain data from the DVLA. So leave that part of the letter as good to go. However as it is as Dave [Thank you Dave!} pointed out that it is UKPCM and not UKPCI have amended the letter and posted it below.
    • Just under half of young savers put away at least 20% of their monthly income, compared to just 12% of 45- to 54-year-olds.View the full article
    • Its based on 10% annual depreciation, divided by 52 weeks and then x the excess number of weeks that they have had the vehicle for, after the agreed initial 3 week repair.
    • LOL LOL LOL Don't need that many to deport a handful of volunteers - at best Home Office department processing Rwanda deportations told to cut jobs Exclusive: Illegal Migration Operations Command freezes recruitment and draws up redundancy plans, leaked documents show Cant have hundreds of well paid people in a department deporting a single volunteer when we have an upcoming election to lose now can we - VIPal drenched in riches and departments full of pals well paid for doing nowt will 'sadly soon be history - was rumored to in a text from a soon to be ex-minister texting in from one of his main jobs in a number of industries he will soon be unable to help.   Home Office department processing Rwanda deportations told to cut jobs | Immigration and asylum | The Guardian WWW.THEGUARDIAN.COM Exclusive: Illegal Migration Operations Command freezes recruitment and draws up redundancy plans, leaked documents show  
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      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.

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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.

      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.
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      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
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Advice needed please,bankruptcy


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Hi this is my first post and im in need of some serious advice concerning my ex wife and a joint mortgage.Basically this is what has happened to me over the past 3 years.I left my ex wife and moved out of our house,in the time we were split up but still living together i put the house on the market but she decided that she wanted to stay in the house and pay for it herself(at which time she was working).So i moved out and let her pay for the house herself on the promise that my name would be taken off the joint mortgage.Over time this never happened and she quit her job thus meaning she couldnt afford the monthly repayments,i now have a new partner and place to live,so now she/we are £7k in arrears and the bank are wanting to reposess.Now she is talking about going bankrupt,i dont know anything about this subject and need to know what effects it will have on me? And is this the best course of action if not what else can be done?

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Hiya and Welcome to CAG,

 

If your ex goes ahead with bankruptcy then yourself will be solely liable for any arrears etc with the property.

 

Have you been to see your mortgage provider to explaint the cirumstances and see if there is any resolution?

 

Is there any equity in the property?

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Hi there,she is in constant touch with the bank and they are trying to help but she doesnt seem or want to work?...The property has negative equity and this could be,if reposessed in the region of 30k.I have spoke to the lender but i cant afford to pay nor want to pay towards a house where iam not living in also i have my own place with my fiance.The bank have sent her a form to fill out which wants both of us to list our income and outgoings,should i fill this out and let them into my personal financial circumstances?...She is getting help/can get help from the government,around £350 per month which gets paid direct to the lender but this is only half the monthly payment.So they keep on adding penaltys to the outstanding balance....!

Why would i be solely liable for the outstanding arrears?this is difficult to understand,it means she gets away with no debt but id be lumbered with her arrears....?

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if they want income and exp there are looking to see what both of you can afford to pay

 

if you ex goes BK and is on benefits then she will have little monies to pay the trustee which means any outstanding debts that are in joint names, the lenders will then seek repayment from you .

 

any joint debt mean they can persue either or both but if your ex goes BK then will will look to you for any arrears and or shortfall

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Firstly thanks for all the advice...Is that because iam working?..it all seems very unfair and im going to be the one that suffers most from this.Also reposession is an option,that would mean both of us liable for any outstanding balance? In your opinion what would be the best solution for me and her?

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Firstly thanks for all the advice...Is that because iam working?.. they will try and recover the monies from the best person in their eyes it all seems very unfair and im going to be the one that suffers most from this.Also reposession is an option,that would mean both of us liable for any outstanding balance? as above you would both be liable but if your ex is on benefits aand or goes BK, they still would want the monies from you In your opinion what would be the best solution for me and her?

 

I can not honestly advise you the best option to take. This is one of the dangers of not 'sorting out' things when partners split.

 

you could also ring national debtline as well for any further advice or CAB in some cases.

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