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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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.
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      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.  

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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.
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      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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Hi everyone I'm in a repayment plan with txt loans for £50 a month at the time of the loan I borrowed £300 so the balance with interest was £351 to pay back when I set up the repayments with them they said I would have to pay back £504 I said yes just to get into the agreement with them and im paying by s/o so the payment I owe on 30/04/12 will take the amount I paid up to now is £351 should I stop payments after that because I have paid is the original loan plus interest and tell them to whistle for the rest ?

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Thats a tricky one, since you agreed to the plan. However, since the stated debt was £351, you need to demand a balance breakdown on how they came to this £504 figure. Then you can go from there.

 

If you are going to stop payments, then you need to cancel ALL CPA's on your account related to txtloans, and report your debit card as stolen, and cancel any Direct debits you have with them. If they have your details, they WILL use them and debit your account regardless. Yes, its technically theft, but for some reason the banks turn a blind eye to it. They are also known to pass around peoples bank details to other PDL's.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Guest Poguesy

The credit cycle works as follows:

 

Day 1 - Assuming you receive a loan of £100. A repayment reminder is sent before the loan term elapses.

Day 16 - We collect £117, however, if the funds are not available;

Day 17 - a 1st reminder is sent and a £25 administration fee is added and interest accrues at the rate of £1.13 per day until your loan is repaid in full. The loan totals £143.13.

Day 27 - a 2nd reminder is sent and a £25 administration fee is added and interest continues to accrue at the rate of £1.13 per day until your loan is repaid in full. The loan totals £179.47.

Day 61 - the loan totals £218 and is passed to our Collection Partner which incurs an additional £54.50 administration fee. The loan totals £272.50.

 

Pay them what you originally owed then tell them to do one.

 

I offered them a full and final on what i originally owed and they accepted it.

 

If they try it on just make a complaint.

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You can counter that £25 administration fee very easily. Simply tell them that you are charging them £25 to read and act upon each and every letter they send. You are well within your rights to do so. Also that interest per day can be seen as unfair and indeed extortionate.

 

£1.13 a day. 365 days in a year = 412% at its base level over a year.

 

Poguesy has the right idea. Offer them a final settlement offer ( you might need to ask them a good few times). This is because they wouldnt go near a court with that debt due to the charges and interest on it. Especially the £54.50 "admin fee" to pass it to a DCA. Especially a DCA that has no legal rights at all over the debt or legal rights at all really.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You NEED to get the agreement in writing.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Sorry what I mean is that this payment tomorrow that im going to pay will take what I have paided so far upto £351 which is what the loan was when I took it out so shall I not pay anymore after that or ask for a full and final off them they want £504 off me which I think is unfair as I have been paying £50 a month if they do want that I will pay them £2 a month what do u guys reckon ?

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Pay what you can realistically afford. If they want more, tell them to take you to court. Should they do so, chances are the judge will say they are getting an even lower amount, thats if the charges/interest on the account even stands up.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Guest Poguesy
Sorry what I mean is that this payment tomorrow that im going to pay will take what I have paided so far upto £351 which is what the loan was when I took it out so shall I not pay anymore after that or ask for a full and final off them they want £504 off me which I think is unfair as I have been paying £50 a month if they do want that I will pay them £2 a month what do u guys reckon ?

 

Don't pay them a damn penny more.

 

Get a formal complaint sent in, if you haven't done so yet, and take it from there.

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