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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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    • lookinforinfo
      PPM operator photos PCN - residential parking - 34-39 Magnolia House & 1-83 Cedar House Spelthorne Grove, Sunbury - on - Thames, Middlesex, TW16 7.

      By lookinforinfo · Posted

      In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • mickrick
      Attempted Scam by someone Pretending to be from Sports Direct wanting me to use the Remity money transfer App to get 'refund' - beware!!

      By mickrick · Posted

      I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • lookinforinfo
      UKPA ANPR PCN - overstay - The Colonnades, Croydon, CR0 4RQ

      By lookinforinfo · Posted

      The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
    • tobyjugg2
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By tobyjugg2 · Posted

      Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • dx100uk
      IVA failure- Lowell Chasing Old CAp1 Card Debt

      By dx100uk · Posted

      i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

cygnet finance are ripping me off

jackie.lawson68
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jackie.lawson68

jackie.lawson68

Posted
Posted

I have had a car from ACF financed with Cygnet, i have kept up to date with all the payments, i only owe them 38 pound to which they agreed that we would pay this friday 3rd june, they sent a tow truck to my house this morning and took the car, called them up and got a very NASTY man on the phone being very abusive to me, said if i didnt give them keys they would still take it anyway, they are now going to sell this car at auction and whatever is left over we have to pay them, what do i do, pls help.:mad2:

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sequenci

sequenci

Posted
Posted

Hi there.

 

Prior to the tow truck coming did you receive any paperwork from them at all?

 

Do you know what type of finance you took out? e.g. was it a hire-purchase agreement or a log-book loan?

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Ell-enn

Ell-enn

Posted
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How many payments have you made ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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sequenci

sequenci

Posted
Posted
Hi, no we did not get any letters or phone calls before they came for the car, the tow truck was at my door when i got home with the kids. the contract is for hire purchase over 4 years. jacqueline.

 

Are you positive it's hire-purchase (please check the paperwork). I know that this firm also uses 'bills of sale' for their car finance agreements.

 

If it is HP, have you paid more than 1/3 of the amount borrowed, and if so have you ever received a 'return of goods order' via a court?

 

Finally, have you signed anything to hand the car back to the company in question?

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dcahelp

dcahelp

Posted
Posted

oh dear, sounds like a wannabe thread.... have you read the thread by wannebedebtfreesoon, she had something so very similar happen....

 

Seems a bit extreme, but there again when are they not? Ok, you said you owe them £38, is that correct ( I may have misread)?

 

I would start with what sequenci said, knowing exacty what we are dealing with will enable us to help you more....

 

In the meantime i will PM wannabe, see if she can shed any light on suggestions for us.

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jackie.lawson68

jackie.lawson68

Posted
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Posted

hi, my mistake it is a hire purchase agreement, we have worked it out and we have paid more than a third and no we did not sign anything when they took the car, it was just a man with a pick-up truck, we received a letter from them this morning 1st june explaining that we are in breach of agreement and because we owed them 38 pound they were terminatting the contract then it said at the bottom of this letter that we had five days to respond to this but the car had already gone by this time, the letter was dated on the 29th may we got it the 1st june. jackie

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wannabedebtfreesoon

wannabedebtfreesoon

Posted
Posted

Hello and welcome to CAG :-)

 

I would think that in order to assist you further we really need to know some more details. It sounds absolutely despicable that you have lost your car over £38!

 

Firstly, do you have a copy of your original agreement and if so could you scan it and post it up minus your personal details?

 

Are you saying that you are £38 short of paying the car off altogether or are you just £38 in arrears??

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jackie.lawson68

jackie.lawson68

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the finance started november 09, the balance war initially for 13,839, we paid 274.89 per month, the letter that we received today stated that we still owe 8,755.49, we were paying it weekly for a while at 70 per week, have all receipts on our on-line banking.

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jackie.lawson68

jackie.lawson68

Posted
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we were only 38.98 in arrears. but we were paying more than we should of been when we were paying 70 per week instead of 274.89 a month. we just found it easier to pay weekly at the time. the next payment is not due until the 12th june2011. for a full month.

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sequenci

sequenci

Posted
Posted

Any news on this?

 

Basically if they've taken the car without a court order, and it's a CCA regulated HP agreement, and you've paid more than 1/3 - you're entitled to all your money back. And some CCA commentators feel that you may be able to recover the vehicle also!

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dcahelp

dcahelp

Posted
Posted

hey,

 

as this is a web based forum with people all over the uk, I doubt there is a central fax number for you to use, although asking doesnt hurt.... :)

 

Ok in that case then, we need as much detail as you can provide... You say your 100% certain this is an HP agreement, basically you pay x upfron followed by x amonth for so many months at the end you own the car no further payments. Is that right?

 

If this is right, if you have paid more than 1/3 cygnet/acf should have applied for a court order, (I understand you felt intimidated etc) if they did not, naughty naughty....

 

have you read wannabe's thread, it will take you a while ( I think its uptos 84 pages long now) but it basically covers your situation as it is now, although wannbe is much further in.... You will find it has a mass of info on there that you could be using...... forgive me if you have already read it.

 

From your figures you previously provided it looks like youve paid more than a third..... Did you receive a default notice? Did you receive anything that my partner would call a death threat letter, ie pay us or else letter.... I would definetly start by going through all your paperwork and check termination rights, there should be something in there.... Ive not had an hp agreement since 2009 so I really couldnt tell you where on the agreement it will be. That will say what they should do, ie send default notices, notice of sums in deafult etc etc...

 

I wonder, have you previously been in arrears with them ( sorry to ask) I mean more than the 38 pounds you say now. You need to apply for an Subject Access Request (SAR) it will provide every email (internal or otherwise), letters, transcripts of phone calls, any administration works, charges etc etc etc, it will give you a better idea of what you are dealing with....

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jackie.lawson68

jackie.lawson68

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No we only owe that 38 pounds, i cant talk to them they just hang up on me all time, they are so rude. only letter i got is the one i received the day after they took the car, i have read threw the original agreement and it does state in there they have to give us 5 days notice before taking it which obviously they didnt. i will read that wannabes thread when i get 5 mins from kids, (i wish). thanks for your help.

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sequenci

sequenci

Posted
Posted

All we need to know is if the payments that you have made up to this point total more than 1/3 on the amount financed when you took the agreement out.

 

This is really, really important.

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