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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Toothfairy Finance/NDR/Marshall Hoare queries **


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Thanks for your reply. I modified the letter I found on this thread and couldn't send via their webform as it said acct not found. When I used the email address they provide on their website I got mail undelivered response from their mail server. Clearly they do not seem to be bothered by complying with anybody. I have an iPhone. I'm not sure how to block SMS but best to keep getting them as it is a paper trail of sorts to their scare tactics....

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certainly stop the phone conversations

 

you are under no legal obl to converse by phone - end of!!

 

if you have those texts please fwd them to the cag mobile in the captial one finance forum stickie

put the date and time and whom from too

we'll fwd those on to the OFT with all the others

 

in the meantime

 

there's nowt they can really do to you

 

stick by your guns

 

they never do court

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no they cant and they never have

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for your reply. I modified the letter I found on this thread and couldn't send via their webform as it said acct not found. When I used the email address they provide on their website I got mail undelivered response from their mail server. Clearly they do not seem to be bothered by complying with anybody. I have an iPhone. I'm not sure how to block SMS but best to keep getting them as it is a paper trail of sorts to their scare tactics....

 

id completely agree with fkofilee. i got the same when i spoke to them 'oh, so you didnt really intend to ever pay us back then?!' great way to open negotiations! :)Id complain to the financial ombudsman, a)its harrassment and b)its obstruction - ie they cant increase a debt if you're making a concerted effort to pay it. Also I wouldnt worry about the balliff stuff. I got the 8 days to pay then the countdown, it got to the end and nothing happened then a few weeks later i got it again! basically they need a court order to make any visit like that and they know it. It's just scare tactics to get people to pay. :)

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  • 5 months later...
Hi,

 

I've been following this site for a while as I'm currently going through a bit of financial realignment in my life. I liked the look of it because most the responses on Money Saving Expert seemed to be along the lines of "I told you so - you deal with it!", whereas these actually seemed informed and not judgemental.

 

Foolishly I had nine payday loans and the continual rolling, reloaning etc all got a bit too much for me - a lesson lived is a lesson learnt and all that. I contacted Debt Line (I should have used CCCS in hindsight) who arranged my payment plan with the creditors - currently it all seems to be going to plan with the creditors (some of who I expected real nastiness from) except for Toothfairy Finance.

 

I took a loan of £200 for a month (£276 with interest) and defaulted - the debt has now been upped to £760 since they "passed it on" to Northern Debt Recovery. After a bit of research on here and other sites I continued to question every email they sent me and they continue to tell me that all their charges are legal and proportionate and that anything that I have read including the OFT are not accurate and should not be trusted. I copied the OFT in my final email response and surprisingly I've had nothing from them.

 

I also asked in my last email (probably foolishly) what their involvement with Marshall Hoare was - no response about that but then coincidentally Marshall Hoare began to leave me voicemails and threats of "fast tracking a CCJ". I did top this off with what their involvement was with a director with firearms convictions was - apparently that's not true either though the internet says otherwise. The final straw came when one of the multiple voicemails said that "because we can't reach a conclusion via email perhaps you'd like to phone us" - no chance.

 

Basically I would assume I'm looking at another £200 on top of this current debt as no doubt NDR will "pass" it on to Marshall Hoare - for the time being I'm playing hardball by refusing to deal with them via phone and keeping the OFT and Credit Direct in the loop, it seems Debt Line only want to deal with them when a final figure is reached and don't look to be sorting that themselves (that seems like a bit of a waste of money too!) - what I'd like to know is, does anyone know of anyone actually being taken to court by any of the above and has anyone fought to pay the actual debt and not the make believe one they've instilled against rules set by the OFT?

 

Thanks!

 

I have also had a lot of problems with this company, it turns out that Speed credit, and NDR, and Marshal Hoare are all the same company, they just use frightening letters to try and get you to pay, i have told them to take me to court but they dont, i have also had letters saying that they are coming to my house in 7 days, they dont come..... turns out they are not even certified baliffs.

Stick with the Debt management company you will be fine

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I have also had a lot of problems with this company, it turns out that Speed credit, and NDR, and Marshal Hoare are all the same company, they just use frightening letters to try and get you to pay, i have told them to take me to court but they dont, i have also had letters saying that they are coming to my house in 7 days, they dont come..... turns out they are not even certified baliffs.

Stick with the debt management company you will be fine

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yep thats twice now...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can anyone clarify the difference between a "Granted" and "Current" CCL? Refering to MHB, *may have been looking at something else for the Granted Status though*

 

P.s. Does anyone else have an error every few clicks or so on the public register?

Edited by Placidbob
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  • 4 weeks later...

I have now had the following response after going to a debt management plan. Is this even legal if I'm doing what I can? The interest is accummulating rapidly. original debt £800

 

Client: NDR – ToothFairy Pay Day Loan***

Client Ref:

Our Ref:

 

Date: [date]

Dear

 

We have been notified that you have instructed a debt management company/advisory body.

In accordance with the Office of Fair Trading Guidelines on Debt Management:

 

  1. Marshall Hoares are not obliged to accept reduced repayments or to freeze interest suggested by your debt management company/advisor.
  2. Repaying the same debt over a longer period of time will lead to an increase in the total amount you have to pay.
  3. We are obliged to deal with Debt Management Companies/Advisers only to the extent that they propose a reasonable offer. In the event that this is not forthcoming or that they do not respond to us within a reasonable time frame we are entitled to and will return to corresponding with you directly.
  4. Their offers to date have not been acceptable.
  5. Full interest and costs will continue to accumulate during the time they negotiate with us.

2.13 of the OFT Guidelines on Debt Management ....collection actions, including default notices and litigation, can ensue and that there is no guarantee that any existing or threatened proceedings will be suspended or withdrawn

  • Any cheques received from third parties will be cashed and credited against your account but are NOT deemed acceptance of any repayment plan that we have not confirmed as suitable.

By contacting us DIRECTLY to arrange settlement we may be able to REDUCE some of the fees charged. This will speed the process and reduce fees that are continuing to be added to your debt whilst we deal with your debt management advisor. This is the quickest and cheapest way to resolve your debt.

You can contact us TODAY on 08433811111 quoting reference xxxx to confirm:

a) the very most you can pay; and

b) when this will be.

This is the most efficient way of ensuring your debt does not increase and is settled.

Please note:

 

  • that any offer will need to clear the balance within 6 weeks.
  • if the offer is sensible, we may agree to freeze interest and charges at 2152.69 if you cooperate and stick to the repayments agreed.

If we do not hear from you or receive a reasonable offer within 7 days from your advisor then a door visit will be scheduled to discuss options and collect the debt .

Yours Faithfully

Alex Adams

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

(92)

The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email.

The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing.

Marshall Hoares Bailiffs Limited.

Registered Company No.: 6871092

Consumer Credit License: 631168

We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software.

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definitely not acceptable what they wrote, as mentioned above, report it to oft.

 

Also make sure that whoever manages the debt on your behalf knows about the problems and is aware that tf / speedcredit / mh / ndr are still changing the amount demanded.

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Get it to the OFT as advised, they are talking through their rear ends as usual.

 

Apologies if I am really asking a stupid question but I went to OFT website and it says not to contact them direct as they don't respond to individual or trader but to go through advicedirect?

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  • 5 weeks later...

Hi, another speed credit/Toothfairy/NDR guy here.

 

I joined this site specifically to join in the complaints with this shoddy company.

 

Like many others I fell into the trap of payday loans,

 

i'm quite young, got my first "real job" and let my finances get out of control - not an excuse I know.

 

I'm trying to get myself out via a DMP with CCCS and everyone but NDR/speed credit has been reasonable and even polite.

 

The way they treat their "customers" is dreadful.

 

I'm trying to pay them back but all they are doing is making it difficult and sending threatening emails that make no sense.

 

After reading all the complaints on the internet and amount of people that have gone to the OFT, I don't understand how they are still able to operate in this manner.

 

What does it take to get them to clean up their act?

 

Is BBC watchdog a possibility?

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BBC Watchdog is a possibility, the problem is obviously that they are not the government, so they can't shut a company down, so even if you managed to get Toothfairy exposed there, what would the actual result be besides bad publicity for Toothfairy? Toothfairy would probably just give the 2 - 3 people featured on watchdog some leeway and continue trading as usual.

 

Besides, there is a risk that it backfires as well, just look at wonga, they are frequently mentioned in the media in negative ways, yet in a perverted way it still works as promotion for them and they make millions.

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Although watchdog won't fix the problem, it will make more people aware of the questionable behaviour involved in PDLs!

 

It is wrong how Wonga get to sponsor certain football clubs and sports and it sickens me to the bone how the most recent adverts are targetting pensioners.

 

It just goes to show they prey on the vunerable and profit from it greatly, which to me is the ethos of PDLs - I will reccomend to everyone i know to never use one!

:jaw::mad2::jaw:
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hi guys,

back again,

 

i had adjudication from ombudsman and have paid every month,

 

on last 2 occassions,

 

toothfairy say not recieved,

 

got 2 emails from ndr!

 

reported back to ombudsman who are doing nowt

 

,ihave to raise new issue,

 

filled in ndr ,s stupid reply box and within 2 hrs had email from marshall hoares not baliffs hoares inviting me to ring them

 

,filled their stupid reply box and it said your loan cannot be found ,error!!

 

so conacted ndr to set a court date and will see them there,

 

thy have not even investigated my missing payments and i can prove every one has been made,

 

any more help please ,

 

even though this was sorted,

 

it still isnt,

 

and what are oft waiting for,

someone to top themselves ,

before they will act,

 

please help guys,

 

stressed

 

,lingus

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Hey guys,

new to the forum,

 

kinda having fun with these people myself at the moment.

 

Just got a question for you

 

- can web loans processing collect toothfairy debts?

 

I have WLP contacting me with regards to my TF loan and just not sure if they are allowed to.

 

I did offer TF a payment plan for next 3 months but they are having it non of it,

 

so they can go whistle and take me to court.

 

Is toothfairy dormant,

 

if so what does that mean for us?

 

Many thanks

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lingus - just ignore marshall - if you know you have paid then leave it at that - I've had dealings with them and NDR with my friend - a bunch of muppets - don't phone them, just send them a recorded letter with the proof - thats it - then get them out of your life - good luck!

 

I had TFF asking me for income proof etc - told them to whistle - still claim they need it before i can set up a plan :(

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hi central

 

,ive been told by the ombudsman that web loan processing are yet another trading name of toothfairy,

confusing or what,

 

i paid via standing order for six months without a problem and now tihs

 

.luckily i can prove payments,

 

my problem is no one in authority in this land of ours is doing nowt,

 

ombudsman mediate,

adjudicate and then get ignored and

 

oft just drag their feet,

big on words,

little on actual action.

the stress of this whole episode is sending me to an early grave!!!!!!!!!!!!!!!

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