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    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
    • Would still like to see the court bundle  Any part ex as deposit or any deposit paid on the agreement does imo count towards the one third or the half in the case of a VT
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Black Horse Car Finance Charges


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Hi, I had a car on finance with black horse that was recently voluntarily terminated. When I first phoned to enquire about doing this I was told there would be nothing to pay.

Now after the car has been sold they are saying I still owe them £200. I know its not a lot but its more the principal that is annoying me.

I've have asked for a full statement, which they have supplied. There were quite a few late payments, for which thay have added a £25 charge each time. Is there anything I can do about this? I was quite happy just to let the car go and let that be the end of it. There was no ppi so far as I can see and the account was not in arrears at the time of termination.

 

Thanks for any advice.

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Hi

 

You can claim those charges back...have a look at the notes in my signature about charges reclaims.

 

Who is the DCA....I would reckon they have been appointed to collect rather than having been assigned the debt. If they are just acting for BH then ignore them

 

ims

 

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Hi

 

You can claim those charges back...have a look at the notes in my signature about charges reclaims.

 

Who is the DCA....I would reckon they have been appointed to collect rather than having been assigned the debt. If they are just acting for BH then ignore them

 

ims

 

Thanks for the reply. The dca is Nationwide Collection Services, in Edinburgh, which seems a bit odd if BH are in cardiff. The letter states 'Your agreement with BH has been referred to us for collection...'

I can't actually see a signature on your post, probably just me being a bit thick

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  • 2 weeks later...

Thanks for all that.

I sent a letter last week asking for the charges to be refunded, and stated quite clearly that I do not believe the amount of the charge is fair in the actual cost to them for a late payment. I got back what I guess is a standard letter saying they don't uphold my complaint as the charges were for paying late and they are in the terms of the agreement, and I was welcome to take it up with the Ombudsman. No where in their letter do they attempt to justifiy or explain the amount of the charge.

What should my next move be?

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Hi

 

Ok so that was your preliminary letter so the next step is a 7 or 14 day lba....pretty much the same as your prelim but headed "Letter Before Action" and with a final paragraph that of they don't refund you then you will issue in court without further notice.

 

Make sure you do a spreadsheet of the amount you are claiming and attach it to the letter...here is the relevant sheet

 

CISheet v101.xls

 

Having read up on the interest tutorial you need to decide what interest you are going to apply

 

ims

 

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  • 2 weeks later...

OK, got a letter back offering to refund me £175, which considering the full total is over £600, I find pretty insulting.

What do I do next? Is it worth sending them a counter offer of about £400 to settle? Or should I write back to them at all and just issue court papers?

Thanks again for the advice already recieved.

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Hi

 

OK thanks

 

So the next step would be issue in court if you want to get all of the charges and interest back.

 

If you haven't already done so, I would start reading up on court claims to get these charges back

 

ims

 

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  • 5 months later...

I am experiencing a similar problem. I see now why my account has gone from BH to Nationwide and now BH again. They are chasing me for £5000 , which is just interest and charges. The vehicle, a motorhome was repossed within the first two years of the ten year loan ( which is now), I have paid the cost of the vehicle plus interest and yet they still want this £5k I am retired now, and my partner has made me realise what a disgrace the whole agreement is, but I just want to end it now. I am retired and feel they have had enough out of a debt that wasn t really mine in the first place.

The Financial Ombudsman could n t help, although sympathetic they said it was unregulated, CAB managed to get them to freeze some charges, ( that later crept back) and solicitors just don t want to know. So reading here to see what course of action I can take to end it all and live in peace of their phone and letter messages. They threaten my credit rating and extra charges, but its not listed on my credit profile, and they admit that since the repossession they do not record anything.

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