Jump to content


  • Tweets

  • Posts

    • This is a draft of my WS   By no means final   Negatives:   doesnt follow smoothly    long winded   not much referene to cases except Beavis     I have tried to attach appendied but failed miserably, but I may not need them   The appendix are essentially:    IPC COP example of a contract between landowner and a PPC   IPC COP re entrance signages   IPC COD re sanctions on members who dont comply   JPEG of the erected signage showing that its back is to the entrance of the car park hence not in immediate view   JPEG of a receipt from 16.1.2021 ( yesterday) proving I went there and had a look at the signages     Not really sure if the appendices will make much difference en my defence   Please make any constructive comments etc..   I will have a look at the many links  FTM Dave kindly provided. I havent in detail because bene typing for the last 7 hours      Anyhow Thanks All             WS redacted-merged.pdf
    • Thanks DX 100   haha i totally  agree with your comment about the page 20    Yes I am awake and been all night w my WS   BUT can I point this very very very impt point please, which I am not sure if it has come to your attention   1. The payment machine and 6 hours and the free parking after 4.30 pm on a Saturday etc....all taken on board.   HOWEVER, and I cant stop myself laughing, this pay machine  he eludes to is based at The Market Shopping Centre Car park , after googling it is in CREWE.  It is not even relevant. They have put in a signage that is not even at the Merry Hill Centre which is in the West Midlands.    The Merry Hill Centre is the one I went to in Dudley, west midlands. All the signages , apart from the one you elude to have the intu Merry Hill logo     The one you refer to is in Crewe. I have never been to Crewe in my life lol so that signage is totally irrelevant    we can play this either way:   1. can take up your line of argument regarding the 6 hours etc. and pretned we are also using the pay machine    OR     2. totally dismiss it as being irrelevant, misleading , wasting the time of everyone by providing irrelevant info. Thats what I have argued in my WS so far. That signage does not belong to inTu Merry Hill            This is akin to someone being on annual leave from work between say 1.10 .2020 and 1.11.2020, and then finding out one of his/her collogues saying,  I saw you leaving work early last week , the 15th of October 2020.   hello !!!, I wasnt even in the country on the 15th of October 2020 !!   essentially thats what the claimant has done . The signage on page 20 doesnt even belong to the shopping centre I went to   I will log out and carry on with th WS     Thanks again       .   
    • Thank you FTMDave. As you can see from the time now I have had a nightmare getting questionnaire answered due to scanner problems, it is up there now though. I do not have proof of breakdown as the alternator was bought from a breakers yard near Chelmsford. I remember it well as they sold me the wrong one on the Saturday and I had to go back in my mechanic friends vehicle on Sunday as I had broken the original alternator getting it off.
    • 1 The date of infringement? 19/12/2019   2 Have you yet appealed to the parking company yet? [Y/N?] No. I did, unfortunately use the MyParkingCharge.co.uk portal to deny liability as the keeper and deny any contract. I mistakenly thought this was where I made a SAR. (I now see looking at the site again that it is actually. https://excel.zatappeal.com ) This was replied to as if it were an appeal.   if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]   has there been a response? yes please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - ,.........DONT ! seek advice on your topic first.   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Yes. Issue date indicates that if "contravention" date is day 1 then NTK was issued on day 15 so arrived well before day 29. Document received was PCN/NTK in one. (see pdf)   what date is on it Issue date is 02/01/2020   Did the NTK provide photographic evidence? Yes   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] NO   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Suggested appeals could be made via IAS   5 Who is the parking company? VCS   6. where exactly [Carpark name and town] did you park? Broke down on service road of Southend Airport, Southend-On-Sea   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture]  (must be received within 14 days from the Incident)   please answer the following questions.   1 Date of the infringement 19/12/2019     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 02/01/2020.   I recall noting, when it arrived on Saturday 16th Jan 2020 that this was more than 14 days from "offence" date.   [scan up BOTHSIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received 16/01/20   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y/N?] post up your appeal] Not as such. See this entry for PCN above.   Have you had a response? [Y/N?] post it up As above.   7 Who is the parking company? VCS   8. Where exactly [carpark name and town] Broke down on service road of Southend Airport, Southend-On-Sea   For either option, does it say which appeals body they operate under. Initial appeal to be via www.myparkingcharge.co.uk then via IAS   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here I have subsequently received a Demand for Payment dated 28/02/2020.  outstanding balance £160 Final Demand posted on 16/03/2020         outstanding balance £160 LBC dated 27/03/2020.                                 outstanding balance £160 with estimate of court fees £25 2nd LBC from ELMS legal dated 30/10/2020 listing estimated fees of   Principal debt £160                                                                                                                        Estimated interest £12                                                                                                   Estimated court / hearing fees £50                                                                                                          Estimated solicitors' costs £50                                                                                                                              Estimated total £272   windscreen or ANPR section to your thread and answer the questions... …….... in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post   NTK plus .pdf
    • Have done the email address thing. The order specifically states just the applicant ?
  • Our picks

    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Please note that this topic has not had any new posts for the last 3232 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

Wonder if anyone can help. I have took a payday loan today with Speedcredit - I have used them on three previous occasions. On each of the previous occasions the funds were in my bank account right away but the funds for this one aren't in yet which is causing me a bit of concern. I tried calling them but cant get past the automated message to actually speak to someone. When I go into the account online it is showing me that I owe the money back and I have also received the confirmation e-mail and confirmation text to say that the funds have been transferred. It is the Bank Of Scotland I am with so wouldn't have thought there would be any issues receiving faster payments especially when it has went through fine in the past

 

I am a bit confused by this. Any advice

Link to post
Share on other sites

@ Thesnake

If loan was applied for today or over weekend ? when was this, it might not show till next working day?

Sometimes it can be down to who you bank with but you have your statement as proof should you not receive funds

 

Jesus I hope I won't get tarred for saying the above ! :-)

 

You are like on the PDL rehab clinic !

Edited by asmilecostsnothing
add user name

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/showthread.php?341791-Jam139-and-PDL

 

jam139 has a thread of his/her own now. Link above for those who are able to offer advice.

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

 

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

Link to post
Share on other sites
@ Thesnake

If loan was applied for today or over weekend ? when was this, it might not show till next working day?

Sometimes it can be down to who you bank with but you have your statement as proof should you not receive funds

 

Jesus I hope I won't get tarred for saying the above ! :-)

 

You are like on the PDL rehab clinic !

 

Thanks for the reply. It was today I took this. My concern is it was a Sunday I used this company in the past and it was in my account in minutes and now today there is nothing

 

I have two other worries

 

I paid the last loan back from my partner and I's joint account. I hope they wont have put the new loan in there as she will go mental as I promised her I wouldn't go down this route again. I dont think they will have as I paid my first loan back from my RBS Account and my 2nd loan went into my Bank Of Scotland account as expected but its still a worry

 

Secondly my bank overdraft is 3k and its nearly maxed out. Can the bank hold back with this 400 pound payment take the money and reduce my overdraft to 2600. This would put me in an even worse position

 

Anyone think it may be worth phoning the bank

Link to post
Share on other sites

I'd phone the bank see if they can confirm it is pending that is probably the wisest move from here - hope you can get sorted

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

Link to post
Share on other sites

Hi

First off...ASMILE....go wash your mouth out you bad girl

Now The Snake....i don't know about speedcredit...but did you pay for same day transfer?

What bank details did you put in

I do have this horrible feeling you are on your way to the dark side. Please please please try to sort your spending out, you can obviously not afford what you are spending.

If you need help , people on here can help or get some help to do a budget

Link to post
Share on other sites
Hi

First off...ASMILE....go wash your mouth out you bad girl

 

Hee hee ! : ) I'm of my drugs..nearly... and I do now have a choice, whats a girl to write about but if people wanna really ask such stuff... even though I think my answer was relevant to what the OP was wanting to know, I'd really want to say just give it back and cancel agreement but then this isn't the easiest of lenders

 

People don't want to hear how we should struggle and be frugal along with beautiful hindsight (it hurts to much) to avoid this senaro in the first place, I feared the OP doesn't want to try and cancel the agreement and pay funds straight back (I've never tried it personally but we must have seen it can be done as a viable option)

 

lol !!! hope you know what I'm trying to say my friend! and hope your well x

I've come to the conclusion I'm seriously mis-understood, life long problem I'll get used to it!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

Link to post
Share on other sites

I understand what you were saying and I think you took my comment in good part.

I do agree with you, but i thought i would give some advice out, after all it is freely available as I haven't used it lol

Link to post
Share on other sites

Jeez! This is like asking for a pint of beer at an alcoholics anonymous meeting! Haha.

 

A lot of us aren't fans of payday loans anymore.

 

However, you're asking for advice (and amongst the sarcasm) I hope you get sorted.

 

This company is one of few I haven't actually used in the past.

 

If they're anything like the others, I'd say stop worrying and check your bank at 14:30 and 18:00. I often stressed that the money wasn't going in only to check at random times and it had actually been deposited at one of the 2 times (above). I also banked with RBS.

 

Did you fill in your own personal bank account details on the application? No company I've ever used simply allowed me to store my details and transfer it to a bank I've used before? I had to always go through the long and drawn out hassle of re-entering my bank details from scratch on every application.

 

My partner would disown me if she thought I was using payday loans again. I think she'd me more forgiving of a drug addiction or an affair!! Lol.

 

Let us know how you get on.

 

I reckon you're worrying unnecessarily tho and your funds will be clear this afternoon sometime!

 

Regards

 

BM

It never rains but it pours...

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...