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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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    • If you are buying a used car – you need to read this survival guide.
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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. 
       

      Many thanks 
      • 81 replies
    • 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
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hello this is the first time i have used this website, i to owe money to MINICREDIT they have sent me a letter saying they are sending doorstep collectors i am worried sick have tried contacting them asking for repayment plan to which am told they dont accept can anyone give me advice on how to deal with them?

i have explanied to them a repayment plan was the only way i can afford to pay back what i now owe them they are not interested what can i do i am so worried as my partner knows nothing of this debt

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Dont worry about these doorstep collectors as they are not actually real. to my knowledge they have never done a repayment plan with anyone. i'm currently on my 4th letter before legal action from this mob. they want 700 and odd quid from me for an 80 quid loan, i've just told them good luck getting that.

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Get the email to

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk (for the Office of Fair Trading)

 

They are not allowed to charge £100 for a doorstep collector who has no powers whatsoever. They are not bailiffs and can be told to get lost should anyone turn up.

 

You MUST MUST MUST complain NOW. Don't wast time trying to write to Minicredit, they will not answer.

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They're by far the worst of a bad bunch in my opinion, both in the way they lend money and their intransigence when it comes to payment difficulties. For instance, nowhere on its site does it mention that they charge a £20 transfer fee deductible from the loan and what's more, the only way you can avoid this is to send a written request in advance that you don't require funds the same day....:!:

 

They no doubt think its good "business practice" to acquire a reputation for extortionate charges and a refusal to negotiate - hopefully the OFT will grow a pair of balls and deal with these people like the wretched dogs they are.

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I would love to hear from people who have resolved there problems with Mini Credit as i want to pay them back but know they will never accept a repayment plan so i am wondering if i save up the amount i owe if they will accept it as payment then.

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I sent so many emails and letters to mini credit with a repayment offer and they never once replied but just kept sending more letters of demand and threats of further action. In the end, I just let it go to a DCA and that turned out to be Fredricksons who have dealt with another of my payday loan debts. At first Freds refused my repayment offer but when I pointed out to them that they have accepted a repayment plan for another PDL debt (albeit after much hassle and threats from Bryan Carter solicitors), so I told them they can bloody well accept my offer to repay mini credit.

I am paying both debts at £1 per month as I am on benefits.

Today I have received a letter from Freds to say mini credit have accepted my £1 per month offer....result!!!

If I were you I wouldn't waste any more energy on mini credit. Just leave it to go to the DCA and then put your offer to them. Then claim back the excessive charges from mini credit.

Good luck.

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My friend has also been threatened with door step collectors which have had her worried sick but no one has turned up yet. Mini Credit are refusing to talk to her debt management company so now she is going to sit it out and wait for a letter from a DCA and deal with them

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I sent so many emails and letters to mini credit with a repayment offer and they never once replied but just kept sending more letters of demand and threats of further action. In the end, I just let it go to a DCA and that turned out to be Fredricksons who have dealt with another of my payday loan debts. At first Freds refused my repayment offer but when I pointed out to them that they have accepted a repayment plan for another PDL debt (albeit after much hassle and threats from Bryan Carter solicitors), so I told them they can bloody well accept my offer to repay mini credit.

I am paying both debts at £1 per month as I am on benefits.

Today I have received a letter from Freds to say mini credit have accepted my £1 per month offer....result!!!

If I were you I wouldn't waste any more energy on mini credit. Just leave it to go to the DCA and then put your offer to them. Then claim back the excessive charges from mini credit.

Good luck.

 

So Fredrickson's just represent the company they don't buy the debt?

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I sent so many emails and letters to mini credit with a repayment offer and they never once replied but just kept sending more letters of demand and threats of further action. In the end, I just let it go to a DCA and that turned out to be Fredricksons who have dealt with another of my payday loan debts. At first Freds refused my repayment offer but when I pointed out to them that they have accepted a repayment plan for another PDL debt (albeit after much hassle and threats from Bryan Carter solicitors), so I told them they can bloody well accept my offer to repay mini credit.

I am paying both debts at £1 per month as I am on benefits.

Today I have received a letter from Freds to say mini credit have accepted my £1 per month offer....result!!!

If I were you I wouldn't waste any more energy on mini credit. Just leave it to go to the DCA and then put your offer to them. Then claim back the excessive charges from mini credit.

Good luck.

 

How much have you ended up being told you have to repay is it just the loan amount + 1 months interest

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Hello everyone

thanks for replying to me i have had calls from mini credit, no further letters from them and to date no doorstep collectors either doesnt stop me worrying though, these are the worst to deal with as they just wont accept repayment plans,

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Everyone goes on about what you owe + 1 months interest but no one ever has a story on here that a company like mini credit wanted say £800 for a £300 loan and they only ended up paying £300 and this is what worries me most there are no successful outcomes with people in these cases on here.

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You should not be dealing by email-write by surface mail keeping a copy,and requesting a copy of their complaints procedure.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Microcredit Ltd

30 Borough High Street, Borough High Street, London, Greater London, SE1 1XU

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Dear Darren MO

 

My account with minicredit was passed to Fredericksons also. I have already paid minicredit over £200 and have told Fredericksons I am not paying minicredit another penny they say I still owe £510. I have recieved yet another letter this week from Fredericksons saying that I have to pay this and have 7 days to contact them. I dont know whether to tell them to contact minicredit and tell them to take me to court on their behalf and let me take my chance there. I am not paying nearly £800 for a £80 loan.

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