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    • How does one obtain the permit? The permit team number is only open between the hours of 9am to 3pm. It says on the website, To obtain an additional 2 hours, the driver must pay a tariff of £3.00 + booking fees in person at our Security Hut, is that how you get the permit also, from the security hut? What a rigmaroll that would be but maybe just another step to take to try and catch people out?  
    • Anotheruser0000 bear in mind that not all Judges are equally versed in the PoFA regulations. Fortunately now most of them are but sometimes a Judge from a higher Court sits in who is well experienced  in Law but not PoFA. and so they sometimes go "offkey" because their knowledge can raise a different set of arguments and solutions. It does seem particularly unfair  when the decision is so  bad . it can also be that in some situations the motorist being a lay person is not sufficiently know ledgeable to be able to counter a Judge's decisions in a way that a barrister could.
    • The argument about the date of receipt is now dead because the PCN  does not comply with the wording  of the Protection of Freedoms Act 2012 Schedule 4.  First reason Section 9 [2] [e]  "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—(i)to pay the unpaid parking charges;" Second Reason Section 9 [2][a] "specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;" All your PCN does is mark the time you entered and left the car park. It does not include all the myriad things you do in between-driving into the car park, looking for a parking space-perhaps a disabled space or  parent and Child place@ getting the children or disabled person out of the car then going shopping. Coming back; loading the car with shopping [, getting the children or disabled into the car, taking the trolley back to the store; driving to the exit perhaps stopping to let vehicles/pedestrians cross in front of you etc. so subtracting the driving times from before and after parking can make quite a difference from their time to the actual period parking time. So the upshot is now that only the driver is responsible for paying the PCN and the keeper is not liable at all even if the name of the driver is never known by Nexus so well done for not appealing. You obviously want to keep it that way to make it very difficult for them to win in Court if it ever goes that far. Although your question is now moot since  the same objective has been achieved by the non compliant PCN [ie no keeper liability] just  about the only way to dispute the timing of the PCN would be if one kept the envelope and there was a discernible date stamp on it that did not match the date on the PCN. There is a new Act coming out [and it cannot come quickly enough ] and one of the things required is that parking companies will have to prove the date of sending out their PCNs. We are not the only ones who sometimes doubt the veracity of their dates particularly as the later it is sent [unlawfully] the shorter the period motorists have to benefit [?] from the reduced payment. I haven't seen it on your posts but do you know how long you are permitted to park for free?
    • I was so annoyed and frustrated about the fact this case was lost it's been floating around my head all night. Dave962, are you sure that's what the Judge said? .... It doesn't make sense. Did the judge in fact dismiss the case on the grounds that the defendant did not make an appeal within 28 days? Effectively telling the PPC about the error entering the registration number and providing proof of payment at that time? To me, that's an important point.  
    • The United Autoworkers Union took a risk in a Republican - and often anti-union - part of the US.View the full article
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      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.

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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
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End Legalised Loan Sharks.


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'Summing up: Don’t waste sympathy on payday lenders...Yet while the CFA’s latest assertion that the payday lending restrictions have led to more people using illegal loan sharks was widely reported, the trade body provide no evidence to support it. In fact, while the argument may sound logical, there’s no real evidence of a rise in illegal loans since the payday lending crackdown began...'

http://www.scotsman.com/business/summing-up-don-t-waste-sympathy-on-payday-lenders-1-3841020

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'A payday loan company is to hand over £10m to 92,000 customers who were pressured with automatic rollover loans, unfair fees and a sister debt collection firm that piled more charges onto the debts.

 

Cash Genie, owned by the US pawn chain Ezcorp, will pay £10m in redress and write off £10.3m in fees and interest. The firm is withdrawing from the UK payday loans market this year, having spent more than a year in talks with the Financial Conduct Authority about its lending practices...'

 

http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/11764969/Payday-loans-customers-win-back-10m-as-lender-caves-in-over-unfair-fees.html

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I've emailed the CEO of Cash Genie, giving them my old details and my new details - as the loan was eventually paid off the day after paying a rollover (they actually phoned me and I paid it - WITH ANOTHER rollover fee added) so hopefully they can contact me about this properly.

 

I have found some old bank statements where I had four payday loans being rolled over several months before I found CAG and got myself out of the cycle. I originally took a loan to pay an old council tax debt.

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'Payday lender The Money Shop has been fined £180,000 after losing computer servers with thousands of customers' financial details. One server was stolen from a branch in Lurgan, County Armagh, in April 2014 and another was lost a month later by a courier firm in Swindon, Wiltshire. Encryption systems were not good enough to ensure data could not be accessed, the Information Commissioner said. The company apologised and said it had since reviewed its IT security.

The Information Commissioner's office said the servers, which are still missing, "held large numbers of local and national customer records and employee details"...'

http://www.bbc.co.uk/news/uk-england-wiltshire-33815922

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'Payday lenders face a new probe into their bonuses and staff reward schemes, as the Financial Conduct Authority fears consumer credit firms could be creating incentives for staff to behave badly.'

http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/11799098/Watchdog-cracks-down-on-bonuses-at-payday-lenders.html

 

'The CMA has published its final order on the payday lending market to increase price competition between payday lenders and help borrowers.'

https://www.gov.uk/government/news/cma-publishes-payday-lending-final-order

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Nice couple of articles, Ford. Hopefully that may help clean up this murky market.

 

On a bright note got my claim into the FOS for Cash Genie yesterday, along with another claim for Paratus AMC and kick started the PPI claim on a company I hadn't realised I had PPI with - probably will come back with a refusal but then I will follow it through with the FOS.

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Nice couple of articles, Ford. Hopefully that may help clean up this murky market.

 

On a bright note got my claim into the FOS for Cash Genie yesterday, along with another claim for Paratus AMC and kick started the PPI claim on a company I hadn't realised I had PPI with - probably will come back with a refusal but then I will follow it through with the FOS.

 

cheers.

 

good luck with yours. did you check out the fca link info i posted re genie and their practices.

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'A fraudster who devised a [problem] to swindle payday loan firm Wonga out of money has today been jailed after he was caught discussing the [problem] on video.

Teesside Crown Court heard Lee Morris, 36, used the Facebook page of counterfeit goods trader Chantelle Beech, 46, to advertise the scheme to desperate borrowers.

The [problem] advertised the chance for people to take loans from Wonga without paying back a penny.

It read: 'For people who have bad credit who know they can't get a Wonga loan, phone me if you want £200 in your bank in 10 minutes.'

It gave a phone number, saying: 'This is not a [problem]. You must have £1.10 in your bank account.

'You don't pay nothing back. You cancel your card.'

They then advised customers to cancel their cards, meaning Wonga was unable to take repayments.

The pair defrauded Wonga of £3,400, with Morris - who had jeered and bared his backside to photographers outside court - taking a 50 per cent cut from small loans of up to £400.

They each received one-year prison sentences - suspended for Beech - after they filmed themselves discussing how to carry out the con. ..'

 

http://www.dailymail.co.uk/news/article-3204692/Fraudster-jailed-conning-payday-loan-firm-Wonga-3-400-caught-discussing-[problem]-video.html

 

Also:

 

'For the first time ever viewers will get to see the inner workings of the controversial payday loan industry as cameras film the team in the collections department of lenders Uncle Buck...'

 

http://www.itv.com/presscentre/ep1week36/cash-hand-payday-loans

 

:)

Edited by citizenB
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  • 2 weeks later...
Also:

 

'For the first time ever viewers will get to see the inner workings of the controversial payday loan industry as cameras film the team in the collections department of lenders Uncle Buck...'

 

http://www.itv.com/presscentre/ep1week36/cash-hand-payday-loans

 

:)

 

tonight 9pm

http://www.consumeractiongroup.co.uk/forum/showthread.php?451357-ITV-9pm-1st-September-2015-Cash-in-Hand-Pay-Day-Loans

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tonight 9pm

 

 

'For the first time ever viewers will get to see the inner workings of the controversial payday loanlink3.gif industry as cameras film the team in the collections department of lenders Uncle Buck...'

http://www.consumeractiongroup.co.uk/forum/showthread.php?451357-ITV-9pm-1st-September-2015-Cash-in-Hand-Pay-Day-Loans

 

 

 

I will look forward to watching the program Ford-nice find.

Noticed citizenB mentioning the program in the TV lounge.

Think I will join citizenB I will put the kettle on make some sandwiches and maybe have a chat before it starts.

Here is the thread.

http://www.consumeractiongroup.co.uk/forum/showthread.php?451357-ITV-9pm-1st-September-2015-Cash-in-Hand-Pay-Day-Loans&p=4785152#post4785152

 

 

 

I feel for such a moment maybe we should have a song to warm things up.

Sorry I could not find a British one.

Now this guy Eric Vieth is no fan of the Lepers of Lending and is a Consumer Lawyer who takes them on. Came across him a few years ago.

And plays guitar and sings a little in his spare time.

Check him out I found him interesting.

Here we go I present to you direct from St. Louis Missouri in the good old United States Of America

 

The Payday Loan Song.

 

 

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I thought the USA was far stricter where these companies were concerned, TO.. apparently not.

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Hi citizenB

So much going on in America. Hard to put everything down. Online lenders, tribes in on the act. The money men throwing money around in different States.

Think you know what I mean. Money for influence that kind of thing.

Some lenders being fined millions.

Think as usual it comes down to this.

A huge potential customer base. Almost 10 million American households have no bank account. A further 25 million households (almost 1 in 5) have a bank account but also use non-bank financial products like payday loans.

So such a massive target market there and so much potential money to be made that the lenders wriggle round like Ferrets in a sack to get round things.

Also looking at Australia, Canada and South Africa to see what is going on there.

However I will not go on to much just mention what the CFPB similar to our FCA is trying to do.

Hope it interests someone.

 

 

CFPB Considers Proposal to End Payday Debt Traps

http://www.consumerfinance.gov/newsroom/cfpb-considers-proposal-to-end-payday-debt-traps/

 

 

Going to mention something else in a minute or two just trying to remember what it was.

A break for a moment a cup of coffee and a puff on a e cig will bring it back

 

 

Back now it was the program last night . Not what I was expecting. Put me to sleep twice.

Something about people in a shed collecting payments that had been missed.

Earning perhaps 400 pound a week and if they hit their target 270,000 pound a month or was that a week a bonus of 1000 pound each would be awarded and a small shiny cup for the person who collected the most.

How many people worked there perhaps 10 do you think.

Well they missed their target once in 3 years, oh dear.

So 10 x 400= 4000 per week.

Plus 10x 250 bonus 2500 per week though paid monthly. Or was it weekly. Must have been

Then the big bosses wages must be double.

800 Pound a week plus surely 500 bonus per week.

So roughly 4000 plus 2500 plus bosses wage 1300 plus costs of running shed and heating from portable heaters and telephones another couple of grand.

Total cost very roughly 10000 a week to collect 270000 pound.

If monthly well 40000 to collect 270000

ZZZZZZ ZZZZZZZ ZZZZZZ I Apologise for boring you to death as the program bored me. And I am totally confused now.

 

 

Think I was expecting someone with a hidden camera who had got a job there.

 

One more thing, oh no do I hear you say.

Just spotted this post on page from Sillygirl1 way back in 2013.

Quote.--One cannot feel sorry for the predators, however one cannot help thinking they will come up with another 'get rich quick at the expense of others' scheme - I forsee a huge rise in 'guarantor' loans....End Quote

 

 

I think you can see into the future for sure Sillygirl1 could you forsee the numbers for this weekends lottery.

 

I will now go back to the Guarantor Loans be very careful thread.

And leave you all in peace.

Bye for now.

Tawnyowl.

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an interesting newsbite re facebook and poss credit worthiness

 

''Facebook's new patent could mean you are denied a loan because of your friends...

 

....A patent like this could have a serious impact on Facebook user's lives by affecting their credit-worthiness and blocking access to money - all without them even knowing it's happening. If Facebook used the patent in this way, users might be denied loans from traditional lenders, which could force them to turn to payday lenders and other riskier means...Facebook declined to comment on how such a patent would be used. But its existence marks a departure from the traditional ways of determining credit-worthiness by looking at a person's credit history and how much debt they owe.'

http://www.independent.co.uk/news/business/news/facebooks-new-patent-could-mean-you-are-denied-a-loan-because-of-your-friends-10482622.html

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Thank goodness I don't do Face Book - although equally, I don't do borrowing either :lol:

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Dealing with Customer Service Departments? - read the CAG Guide first

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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TO, I didn't watch the programme, whilst it might be the first time that cameras have been inside a PDL company - they have been inside a DCA office - I think 1st Credit, some years ago. I think from what others have said about the programme and what I recall of the DCA airing, there is no difference. All target and commission based and of course you have the one who is at the top of the tree raking in £100's if not £1,000's in commission.

 

In the DCA programme, I think they weren't aware of the cameras so you got a truer picture of what was going on. I think the TV producer was very naïve if he thought he was getting an accurate account of what goes on behind the doors of a PDL when they were well aware they were being filmed !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank goodness I don't do Face Book - although equally, I don't do borrowing either :lol:

 

:) ditto

 

i saw bits of that programme, but as you say TO, it wasnt much. seemed just another one of those work reality type dramas with the robots acting up for the cameras, no expose. is that a fair assessment? :)

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:) ditto

 

i saw bits of that programme, but as you say TO, it wasnt much. seemed just another one of those work reality type dramas with robots acting up for the cameras, no expose. is that a fair assessment? :)

 

Yep.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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:) ditto

 

i saw bits of that programme, but as you say TO, it wasnt much. seemed just another one of those work reality type dramas with robots acting up for the cameras, no expose. is that a fair assessment? :)

 

 

I would say that is a very fair assessment.

Bring in the secret cameras I would say. See how the industry really works. From top to bottom.

And one camera please installed in Brokers office as well.

Get someone working there looking at the companies for weeks. Then we will have a programme I would enjoy.

Must have cost a couple of hundred to make. Surprised the cameraman or men, doubt it was men with that budget did not perhaps just leave the camera or cameras rolling in a corner go down to the pub for a few beers. Then come back quick edit and repeat next day. Perhaps they or he did.

 

 

Seen Caros post and Yep again.

 

 

Bye for now and interesting post about Facebook and public forums Ford. Seems you never know who is looking over your shoulder these days. Nosey Parkers.

Deleting posts on Facebook and Twitter as I speak. You never know .Thinking about possible friendly chat with Credit Union perhaps one day.

Now they would never stoop so low. Of that I am sure. But just in case. Only joking.

If they looked at what I get up to it would put them to sleep.

Thoughts going through mind of altering all posts on Faceybook etc . Will look like angel tomorrow.

 

 

But just going to paste a little for those that may have not read the link.

Please do not worry to much or you will not sleep tonight. Here you are.

 

 

Facebook bought a bundle of patents from Friendster for $40 million in 2010. The patent in question is intended to prevent spam, however it also contains the following paragraph:

"In a fourth embodiment of the invention, the service provider is a lender. When an individual applies for a loan, the lender examines the credit ratings of members of the individual's social network who are connected to the individual through authorized nodes. If the average credit rating of these members is at least a minimum credit score, the lender continues to process the loan application. Otherwise, the loan application is rejected."

Another way: users could be denied a loan because their Facebook friends have defaulted on theirs.

 

 

 

Going to learn how to post in fewer words. One word from the site team seems to say in few words what takes me ages to write. And means the same.

Well I am of now to cool fingertips in cool water. Flaming glowing I tell you. Roasting ,keyboard melting.

 

 

Last thought for today do they do computers that if you talk to them they write what you are saying.

Save a lot of blunt fingers and scorched skin.

Business idea if they do not. Patent Pending.

Better go getting carried away.

Not for the first time. White coats approaching from the South. What do they want I wonder.

Bye for now enjoy the weekend.

Just seen your post below Ford. Can you believe that. Such a thing exists. I will look into that and hopefully understand things. One day soon. Fascinating.

Tawnyowl over and out.

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