Jump to content


  • Tweets

  • Posts

    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [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 states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • 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. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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
  • Recommended Topics

Capital Finance One


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4709 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there

 

Long time reader and first time poster. Always interested to find out peoples stories and how they sorted themselves out!

 

Anyway, I have a lot of payday loans and decided recently that enough was enough. Most have been ok in terms of waiting for payment (a month in some cases) or setting up payment plans except Capital Finance One.

 

I couldn't even make the rollover payment at the end of June and explained to the customer service rep at the time my circumstances at present but I would be able to make a payment at the end of July of some of the balance plus the rollover fee - so the balance slowly decreased.

 

Since that conversation I have received numerous emails escalating the loan from £928.50 (with interest) to now £1232.

 

I have sent 18 emails - to the various different addresses e.g customer service, info, collections and even nicola.chapman but have had NO reply and also whenever I call the collections number (9 times so far this month) there has been no response.

 

Now the email today says my file has been passed to their external debt recovery agency as I have made no communication and no attempt to pay back the loan - which I realise is automatically sent via email.

 

I will be in a position to pay off some of the loan plus the rollover payment at the end of the month but I'm just a bit worried at the minute!

 

A little help please?

Link to post
Share on other sites

Hi casper, unfortunately CFO at this moment are the most ruthless company when it comes to charges, they took £228 from me for a £100 loan then told me that I still owe £372 - £500 interest for a £100 loan! Your best option is to keep putting offers in to them, they will likely refuse but that doesn't matter - if they continue to rack up the fee's put a complaint in with the Financial Ombudsman, my case is currently being investigated by them and I think they will be interested to see how many people have the same problem. If they've passed it to their DCA, you will soon receive an email or a letter from Daniels Silverman giving you 7 days to pay the full balance or you will be taken to court - don't give in to the threats and make it known you will be passing the file to the ombudsman to investigate.

Link to post
Share on other sites

Got a letter from daniel silverman, their agent was meant to be coming to see today, 12 minutes ago , to discuss my debt.

Ive worn my best tie, made tea, even bought cookies , im sure hes just delayed and will get here, im just worried the tea is getting cold.

Anyway, ill let you know what happens.

Link to post
Share on other sites

Bunch of liars, I thought i could trust them, i thought we were mates, they were coming to discuss this very urgent matter, which will land me in court cookoo land, and cost £1000, on a £300 loan (yeh right ) and this was my final chance at redemption.....

 

Half an hour late, not a sign of my new mate agent, not even a phone call, Im sitting here, feeling lonely, unloved, teas got cold, I HATE YOU DANIEL SILVERMAN!!!

Link to post
Share on other sites

I look forward to daniels silvermans next letter explaining why they stood me up like that :) . (maybe ill invoice them for the wasted cup of tea)

I have never seen a bigger bunch of clowns. The sad thing is that some people believe their threats. Someone needs to put the word out that theyr as dodgy as can be, and not to be dealt with under any circumstances.

Link to post
Share on other sites

Maybe they were concerned that you were being too friendly? Maybe they thought you might stand at the door with a 2x4 or something? - In seriousness they are clowns, I've been requesting a copy of my loan agreement for a good while with no response - yet they try enforce me to pay the fees etc ? Don't think so.

Link to post
Share on other sites

Ive done my research on them, in 6 years of business, they have never taken anyone to court, or sent an agent to visit, they get a fee from the customer (capital finance one in this case) inorder to recover debt, but they dont do anything to recover it, other than sent threatening letters in big bold writing, when capital finance realise that theyve been screwed and wont see any money that way, theyll send you an email begging you for any money you can pay, thats the stage im at. :)

Link to post
Share on other sites

Forward it directly to the OFT. The OFT clearly state

 

f. contacting debtors at unreasonable times

 

g. ignoring or disregarding debtors' legitimate wishes in respect

of when and where to contact them

Link to post
Share on other sites

the email you speak of my friend is still attached below her reply, I already sent it twice, swift sterling say they only operate collections via the phone, txt loan offered 8 months payments, but its £148 more than the original £351, offered them all but the last £79 payment.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...