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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Just be careful with your language on what you post here - Keep it above board Lets see what you send to the big boss. 
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      I made that payment on 13th Feb, then it all went down hill. 
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Massive potentially that payment has been made in some form as accompanying evidence to your financial difficulties.  And yes, but add some more zing to the email if it goes to the CEO - You need to make them understand what they have done. And telling the CEO  / MD of the biz what their actions have done to you - It adds to the complaint weighting.    

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Is vehicle owner responsible when driver does not pay fine ?e

Gerry Attrick
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Gerry Attrick

Gerry Attrick

Posted
Posted

An insured driver as not paid a fine he received whilst driving my car in a bus lane, the local authority have sent me a copy of a letter sent to the driver advising that if the amount due is not paid in full within 1 month they will pursue me as the owner of the car for the outstanding amount, can they do this. Advise please.

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maroondevo52

maroondevo52

Posted
Posted

Hello and Welcome, Gerry.

 

I'll move this thread to the appropriate Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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sailor sam

sailor sam

Posted
Posted

Hi and welcome to CAG.

 

The answer is yes they can. Although you could appeal giving the details of the driver as technically it was he who commited the offence. Before doing anything though, are you sure the bus lane and the PCN are compliant? There maybe signage/marking issues with the bus lanes or the PCN may be flawed. can you give us a bit more info such as where is the bus lane?

 

__________________

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my scales at the bottom of my profile window on the left if you found my advice useful.

  • Haha 1

 

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Gerry Attrick

Gerry Attrick

Posted
  • Author
Posted

They already have the details of the driver He as admitted the offence and as offered to pay by installments due to his circumstances, this offer as been rejected and they still insist they will chase me for the debt if he does not pay by the deadline, surely this can't be right.

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sailor sam

sailor sam

Posted
Posted

If you are reffering to the 'bus gate' at the junction with Holme Lane here;

Middlewood road Sheffield - Google Maps

 

then I may have some good news because in my OPINION it is non-compliant because there is no signage at the beginning of the gate. The sign is positioned after the only possible alternative turn you could take to avoid the gate. No doubt others will comment.

 

In any event, the responsibility should be the driver's as it was he who commited the 'offence'. If it were a hire car the hire company would simply pass the driver's details on and he/she would get the PCN. However, some offences are (for some strange reason) are the responibility of the RK even if he/she is not driving. They will not allow to pay by installments either, although if it went to court (which would cost more), that option may be available then.

 

__________________

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my scales at the bottom of my profile window on the left if you found my advice useful.

 

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Gerry Attrick

Gerry Attrick

Posted
  • Author
Posted
Its a bit odd how someone else managed to get a PCN for a car you own, are Sheffield Council employing psychics now?

 

The original PCN came to me, I showed it to the driver who wrote to Sheffield Council to confirm that he was driving and offered to pay the fine by installments. The Council then wrote to me to confirm that they had recieved correspondence from the driver and threatened that if he doesnt pay in full they will persue me!

I just find it strange that I could be liable.

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green_and_mean

green_and_mean

Posted
Posted
The original PCN came to me, I showed it to the driver who wrote to Sheffield Council to confirm that he was driving and offered to pay the fine by installments. The Council then wrote to me to confirm that they had recieved correspondence from the driver and threatened that if he doesnt pay in full they will persue me!

I just find it strange that I could be liable.

 

Oh that makes more sense!

Since the 'offence' is decriminalised its dealt with the same way as parking. Its your car you are liable for what happens to it during the time you own it. If the driver does not offer to pay you are liable then its up to you to persue them for the fine. The moral of the story is if you cannot trust your friends to pay the fines they get don't lend them your car.

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sailor sam

sailor sam

Posted
Posted

So I take it the bus gate is all in order then in your opinion G & M?

 

__________________

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my scales at the bottom of my profile window on the left if you found my advice useful.

 

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green_and_mean

green_and_mean

Posted
Posted
So I take it the bus gate is all in order then in your opinion G & M?

 

__________________

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

 

Please click my scales at the bottom of my profile window on the left if you found my advice useful.

 

Don't know, never been to Sheffield.

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Bernie_the_Bolt

Bernie_the_Bolt

Posted
Posted

Gerry,

If the penalty is to be paid, it may be the cheapest option for you to pay it as yes the legal responsibility is yours and for you to come to an arrangement with the driver.

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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sailor sam

sailor sam

Posted
Posted

Can someone take a look at the link of the bus gate in post #7 to see what they think? Looks sus to me.

 

__________________

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my scales at the bottom of my profile window on the left if you found my advice useful.

 

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Bernie_the_Bolt

Bernie_the_Bolt

Posted
Posted
Can someone take a look at the link of the bus gate in post #7 to see what they think? Looks sus to me.

 

 

Inclined to agree if that is what the signs were (or weren't) at the date of alleged contravention. OP still has to deal with it though.

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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sailor sam

sailor sam

Posted
Posted
Looks ok to me you can turn right instead.

 

Yes but the sign isn't at the start of the road marked bus lane and is actually positoned AFTER the right 'escape' turn. And although there is a yellow backed sign advising of the times the bus gate is in operation, there isn't a sign depicting the bus gate ahead?

 

__________________

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my scales at the bottom of my profile window on the left if you found my advice useful.

 

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green_and_mean

green_and_mean

Posted
Posted
Yes but the sign isn't at the start of the road marked bus lane and is actually positoned AFTER the right 'escape' turn. And although there is a yellow backed sign advising of the times the bus gate is in operation, there isn't a sign depicting the bus gate ahead?

 

 

It depends where he was the restriction is only after the signs the green road means nothing.

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Coupon

Coupon

Posted
Posted
Thanks guys for all the input, looks like I have no option but to pay

 

Gerry

 

 

 

What? How do you work that out?

 

The posters are saying the Bus gate isn't signed properly and you haven't yet posted a pic of the PCN or NtO at all. There are good possibilities of a successful appeal surely.

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