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    • T911, Nick, thanks, I got there in the end! Without boring you with the details, it is precisely the most ridiculous cases that end up being lost - because the Cagger knows the other party's case is rubbish so doesn't do the necessary work on their own case. G24 are well aware of double dipping.  They have either done it deliberately or else have cameras which can't handle multiple visits to the car park which G24 happily leave malfunctioning so the £££££ keep rolling in. Sadly most people aren't like you.  I've just read various reviews for the Retail Park on TripAdvisor and Parkopedia.  Virtually all of them are complaining about these unfair charges for daring to spend time & money shopping in a shopping centre.  Yet no-one is refusing to pay.  They moan but think they have been fined and cough up. G24 are unlikely to do court, but it's not impossible with two tickets. Try to get evidence that you were elsewhere at these times. Often retail parks will intervene, but I've Googled & Googled and cannot find an e-mail address for the place.  Could the manager of one of your favourite shops give you a contact e-mail address for the company that run the retail park? Right at the moment I'm supposed to be teaching someone who runs two shops at the local shopping centre, but I'm not as he has had to go to a meeting with the company that runs the shopping centre, so I know for a fact that these business relationships exist!!!
    • Afternoon DX, The files were in date order. How would I put them into an acceptable format? I'm not that pc literate.  
    • I think you need to tell us what actually happened. Your original post gives the impression that you were taken to court for a speeding offence. But you go on to say that you received no paperwork. So you could not have been summonsed for a speeding offence because the police had no evidence that you (or anybody else) was driving (and it seems you were not anyway). You were probably summonsed (or more likely received a Single Justice Procedure Notice) for "failing to provide the driver's details." You would not normally be banned for this offence if you were convicted - it carries six points. So did you have any earlier points which meant you were liable to a "totting up" ban?  If you were originally convicted (as it seems you might have been) how was that conviction set aside? Did you perform a Statutory Declaration? There is simply too much missing for any meaningful help to be given. It seems as if there may have been an error by the DVLA but before you consider suing those idiots until the cows come home, you need to explain exactly what has happened.  
    • Point 4 and 10 duplicate Point 5 and 8 duplicate  Try to keep to one para with regards the agreement...various paras duplicating the same. Statement of truth is out of date refer to the claimants statement    
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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.

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      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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