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    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.  From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator." From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image. The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts? I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
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Txtloan - Debt Collectors


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Hi,

 

Has anyone dealt with their purported debt collection team?

 

I had been dealing with their in-house collections team and they have now indicated it has been passed over to debt collection.

 

I have offered to pay them £120 on an original loan of £100 but they are digging their heels in asking for £200. I guess the cost will only increase now they are passing it onto another debt collection company.

 

Has anyone else been through a similar process with this lot and I will not be a position to pay anything more than £120 otherwise they will be getting £1 a month for 300 months!

 

Cheers

 

W

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I do not think it is the smartest move...I have also taken loans from them and if you ask politely then have always decreased amount that I have to pay back:roll:. To be honest if you try to the other way you will be haunted by this debt several years..Is that what you want:?:

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I think your £120 offer is reasonable and I would be tempted to call their bluff. No dca has any power over you and you can tell them to get lost as well. Keep a copy of your correspondence just in case so you can prove you have been reasonable. A £1 per month offer is fair if that's all you can afford.

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Dear David,

 

Thank you for the e-mail.

Your loan is about to be handed over to debt collection as today is its 186th day. We provide short term loans for 7 days only.

 

Above response after I offered a £120 settlment offer - they say the amount is still fixed at £200.

 

I can afford more than £1 a month that is for sure, but I would be offering that in protest to paying a figure which is 200% more than the original amount loaned. I figure that way, it would cost them more money in admin costs and it would not impact my lifestyle if I was paying £1 a month. I am quite happy to hand over £120 to clear the debt and I think both parties would be happy with that.

 

I have now sent the 'rejected offer' template letter but heard no response from yesterday. I wonder who is this debt collection they are passing it onto - my guess it will be a third party DCA.

 

They have not made life easy with their insistence to only take payments from my card number despite several requests for their bank details!

 

 

--

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Cheers Jamie,

 

Up the ante to £140 as a final offer then?

 

I am not too sure they are interested in any offers now, from the last reply they seem hell bent on passing to a DCA.

 

If it goes to a DCA will that spell bad news?

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not bad news, just annoying mate. they will also up the bill again and you dont want to be fighting this into the new year because of £60.00. offer the £140.00 to close off the account, you just want rid of it, call them to offer it to a manager, if they have any sense they'll accept.

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Bit of an update. I got a response back from Txtloan saying their settlement figure would be £160 but this needs to be communicated via Fredricksons as this has now been passed onto them to deal.

 

They said once you have paid Fredricksons, they will then communicate to Txtloan who will then wipe off the debt.

 

Not too bad a figure and is less than what I was expecting they would request.

 

The question is now should I haggle with Freds for a lower settlement or should I just play ball and pay the £160?

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Hi Willo

 

If they have sold debt to Fredericksons they would probably bite your hand off for £140. They will think it is their lucky day having paid a fraction of this for the debt. If not sold I suspect they will still accept £140. Personally I would stand my ground. Already by doing this they are negotiating!!!

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Cheers Guys,

 

I will send an e-mail to Freds in the next couple of days, but expect it is probably en-route to them as we speak. They ill probably take around 7 days to get in migrated on their system and assign an account manager etc.

 

I get the impression the debt has not been sold but Fredricksns are probaly actng as their designated debt collector. Not sure how the arrangement works but would hazard a guess its either fixed fee or they receive a percentage of the total repaid.

 

Have a good NY everyone.

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Freds have been quite good with me. They accepted £10 a month in a £200 debt, but said they would accept £140 if I paid in one hit. I may have some extra money coming at the end of January, so will offerr £100 to clear. They are keen to get whatever they can, so I reckon they'll go for this.

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Fredericksons have a couple of 'solicitors for rent' who do their dirty work, Bryan Carter and Turnbull Rutherford - so watch out for 'soliciting' letters from those firms.

 

I suspect uncle Bryan will possibly try to chase if they don't get their money quick enough, but he is easy to see off.

 

Hopefully you can put this to bed at the end of January and stay clear of these 'payday' companies.

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my opinion is to stick with the original offer of loan plus interest. stick to your guns and as SG suggested, if this gets to Bryan Carter solicitors, come back on here for further advise.

 

i had a similar loan and paid back the original £100 plus interest. one of the guys on here helped me with the letter. check my bryan carter thread from june 2010.

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  • 2 weeks later...

Hi Guys,

 

These two firms: Freds and Txtloan personify incompetence!

 

After receiving an update on the support interface with Txtloan that they had passed the debt to Freds and they would settle for £160. I waited until Freds got in touch and they said the debt figure was at £247 and a settlement of £160 was far too insignificant and £198 was lowest they could go. I then cited the e-mail received from txtloan about £160, in which the operator asked for a copy to be e-mailed to Freds.

 

Completed this and after two days of no response, I decided to give them a call. The operator this time, said he has a note on the system to say that Txtloan have to confirm with Freds that this is an offer they would be happy with!! I arugued the case, saying surely they should communicate all offers to their client and not the other way around, after all thats what they are paid for.

 

In the end I hung up, but emphasised that I thought it was both companies failing to admit responsibility. I dropped a note to Txtloan confirming the conversation today and that they needed to speak to Freds and surprise, surprise they said that Freds must confirm the offer to them.

 

You really couldn't make this stuff up. Any ideas how I can get through all this density from both sides and get the account settled??

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i would wait it out. stick to your guns. Try and call Txt loan and demand to speak to a capable manager or higher position who can make desicions. explain the situation, keep calm and collected. see what they say... forget about freds if they cant collect the debt they'll just pass it back to txt loan...

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  • 4 weeks later...

Hi

 

I think you should tell them you are recording the conversation and offer them payment i have always been led to believe that firms that refuse a decent offer as this sounds to be your case you can take them to court and get the debt wiped good luck hope you get this resolved do not let them walk all over you seems they keep raising the price keep all the codependency you get and go seek legal advice or see your nearest CAB DO NOT PAY THEM

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i think you are being completely unreasonable and outrageous. i have dealt with txtloan myself and they were extremely helpful when i had my card stolen and offered me to pay later at no interest. the default letter says your loan is 6 months overdue and you only want to offer them £10 extra in interest fees when the interest for the week is £10! thats just ridiculous. its your responsibility to make sure you can repay before you take out a loan. the fact that they are negotiatiing with you just shows that they care about their customers-something most other companies out there wouldnt even consider.

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Hmmmm....

 

Do we have a txtloan worker in our midst??

 

S&@t happens love and it can't always be planned for.

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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There will always be 'can't pay' and won't pay. It's life unfortunately. You can't legislate for it but banks etc do plan for it with interest rates etc. Payday loan companies know that the bulk of their customers have cruddy credit references because they have no other way of getting finance. They then choose to lend money at extortionate rates to ensure they do make a profit from those who do pay responsibly etc.

 

These companies are certainly not going to miss out, believe me!!

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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