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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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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.

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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
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negative equity house on oz going back to UK


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We have a rental house in Brisbane we purchased 4 years ago. Worst investment ever. Paid $398000 including costs on a 100 percent mortgage. Now worth approx 280000 Our mortgage is 305000 The bank paid the mortgage down last year from the sale of our residential house. We are leaving next year for good. We have nothing left emotionally or financially to put into this place.We can carry on renting it out and pay the shortfall of approx 1200 a month and hope some day it may recover!!! We have lost sleep over this and have now decided we are going to walk away and let the bank take it.Our a plus credit in Oz will be ruined but we aren't coming back. We paid for mortgage insurance on this house so the bank will not lose out anyway.The insurance company would lose. What would the fall out on doing this potentially be? We have no other options left as we couldn't afford to service the debt when in UK. Any advice would be great

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They could come after you for any shortfall after the house has been sold & if you are both named on the mortgage you would be held jointly & severally liable.

 

Depending on what the shortfall is and whether you would have any assets in the UK it might be worth considering starting completely afresh and looking at bankruptcy if they locate you.

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Thank you for the replyWe have a house in the UK with about 50000 pounds equity.We will not sell our house as thats all we have.How negotiable are banks if we offer to sell it at market value. Will they still want the shortfall?I'm sure the answer would be yes.Would it be worth talking to the bank to see if there are any other options?At the momenty we are still paying the mortgage and have no arrears.I don't know if its possible to access super to pay off an investment house?I don't really know were to go with this.Don't really want to do a runner but next year we are going and options are limited.

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Technically speaking they could come after you here in the UK for any shortfall if they were aware of your whereabouts.

 

Will they still want the shortfall?
In all probability yes, although they may enter into a repayment plan for a limited period then they would be likely to sell the debt on and claim tax relief on a bad debt. These debts are usually sold for between 7 & 15% of their face value and the purchaser will more than likely negotiate a reduced payment.

 

.I don't know if its possible to access super to pay off an investment house?
Do you mean your pension?

 

If so IIRC it may be possible to access it under 'hardship', see; http://www.consumeractiongroup.co.uk/forum/showthread.php?265807-More-AUS-debt-being-chased-in-the-UK&p=3303856&viewfull=1#post3303856

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Thanks for that info.as we have mortgage insurance wouldnt the bank be all ok and not to keen to take any payments from us?EG foreclose as quick as possible to get there money from the insurance?Then insurance would come after us?Would it be the same scenario as having credit card debt and moving overseas?Yes super = pensionIt's a tough world we did all this investment property lark on there reccomendation.

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If the shortfall between the value and the loan is AUS$25k and to continue to rent it out will cost you $1.2k per month, you could cover the negative equity costs in 2 years.

 

Why not go to the bank, explain the situation to them, offer to pay off AUS$280k and then ask them to finance the shortfall over a 24 / 30 month loan?

 

I would not do something so drastic over 8% negative equity!

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