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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Want to pull out of new car purchase


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Hi

 

I need to pull out of a car purchase. I've ordered a new car from a dealer and paid £1000 deposit. All I have signed is a listing of the car specs with prices. This is headed "New Vehicle Contract".

 

Where do I stand? Have I actually entered into a commitment to buy? Can I withdraw and recover my deposit? Will I lose my deposit? Will I lose more than the deposit?

 

Many thanks

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Hi

 

I need to pull out of a car purchase. I've ordered a new car from a dealer and paid £1000 deposit. All I have signed is a listing of the car specs with prices. This is headed "New Vehicle Contract".

 

Where do I stand? Have I actually entered into a commitment to buy? Can I withdraw and recover my deposit? Will I lose my deposit? Will I lose more than the deposit?

 

Many thanks

 

On a 'new vehicle order' (which is how they were when I was in the trade) there indeed should be t & c's on the back. What you need to realise is that ordering a new car can be a complicated business. For example; some makes are 'made to order' which means your order will trigger a new car build at the factory, even if that car isn't the actual one you receive. This is done to save 'stock piling' cars. The other thing is the spec you have ordered. It may have non-standard factory fitted accesories for example. So all in all, the dealer could end up with a car which will be tricky to sell unless it is bog standard. If you signed the order and paid the deposit, then yes you can back out but I doubt whether you will get your deposit back unless you have a good reason to cancel.

 

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 reputation button at the bottom of my profile window on the left if you found my advice useful.

 

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  • 3 weeks later...
Do you think it makes a difference if I was planning to acquire the car under a hire-purchase agreement?

 

That's a very good question. With HP agreements they don't usually have the ability to cancel unless you have to sign the paperwork away from the premises. My initial thoughts are that if you cancel now it is unlikely you'll be able to recover the deposit. Having said that, the contract should be completed via terms & conditions that you understand - if there are none of these then that's an important issue to take into consideration. I'm no expert in motor vehicle contracts (I studied contract law as part of my law degree, however)

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I'm note sure it is irrelevant. Reading the CCA, I believe that s27 allows me to withdraw before I sign the credit agreement and get my deposit back.

 

I don't want to buy as I've been made unemployed and don't want any additional financial commitments.

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Inform the finance company and then the dealer that you are unemployed and the finance company will not grant the finance and the deal will be cancelled and a full refund given. I did this when I ended up in the same sitaution. My mistake was that I approached the dealer first and they wanted to with hold all of my deposit. I then approached the finance company who then cancelled the finance and the dealer had to give back all of my money.

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Inform the finance company and then the dealer that you are unemployed and the finance company will not grant the finance and the deal will be cancelled and a full refund given. I did this when I ended up in the same sitaution. My mistake was that I approached the dealer first and they wanted to with hold all of my deposit. I then approached the finance company who then cancelled the finance and the dealer had to give back all of my money.

 

That sounds like brilliant advice.

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Hi, the point I was trying to make was that unless you have signed finance documents, you do not have a contract with the finance company, only an acceptance that they will fund your purchase. Indeed, the finance company could even change their mind if you were proceeding right up until the point where they pay the dealer. CCA will only come into effect once you have an agreement in place.

Informing the finance company of your situation would certainly do the trick, as they would most likely change their decision to a decline. In your circumstances, if the dealership has dealt with you fairly so far, a letter to the sales manager and/or dealer principal would probably be common courtesy. The dealer may feel justified to retain some of your deposit, depending on whether or not the spec of your order can still be amended, and technically, they would probably be within their rights. However most are actually surprisingly reasonable when approached in the right way. Anyway, the finance company route will definitely do the trick, and there is no way you can lose more than your deposit.

Sorry to hear about your unemployment, by the way.

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Hi

 

I've read s57 of the CCA 1974 again, and it seems pretty clear that I can withdraw before the agreement is signed and that I can get a refund of all "linked transactions" and "any other thing done in anticipation of the making of the agreement ".

 

However, I'm hopeful of finding work soon so I haven't done anything yet.

 

Thanks to all who have helped.

 

Abo

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