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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Payday Express Agent Visit


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I have just had an email regarding my outstanding Payday Express account stating that an agent will visit me in the next 3 days. Can they do this?

Edited by Super Daz
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Go to the library on thos site. Look for harassment and read the part about doorstep collectors. if they do ignore and come calling youll laugh when you see them stumble for words.

 

When i was on debt i had a guy who claimed his round trip was almost 150 miles. i just laughed, closed the door and turned the music i was playing right 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

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  • 2 weeks later...

I have just received a letter from PDE stating that they have now issued a default against me & the full amount of £675 is due in 14 days.

 

They have refused any payment arrangement with me & I cant afford £675 !!

 

The original loan was for £300. I had rolled this over for 8 months I believe so paid back £600 just in interest & still owe £675 according to them.

What shoud I do?

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Are you paying token payments to show your willingness, and have you kept sending them offers of a repayment plan? Remember, all they can do is pass it to a DCA, who lately have been more accommodating towards repayment plans than theyve ever been before. You could always send them a FORMAL COMPLAINT and outline your grievance against them and give them 8 weeks to come to a resolution or issue a final response.

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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Yes, send a FORMAL COMPLAINT and mention that if they do not agree to your repayment plan you are complaining to the OFT, remind them that any default on your credit rating will make it difficult for you to borrow money to repay them - play them at their own game in that one. I would NOT give them 8 weeks as you have already rolled over the loan, give them the remainder of the time from when you first let them know you were in difficulties and then count up to 8 weeks, so if you first contacted them on 1st May 3 weeks has already gone.

 

I think this 8 week clause is crazy and only adds fuel to the fire of the misbehaviour of these idiot regulators like the FOS.

 

Remind them that just because they have things in their terms and conditions it is neither fair, legal or morsally right to make you pay so much for what was a short term loan.

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FOS is being pretty strict about the 8 week timer and the final response letter now. Unfortunatley, thats the only real option for now. It's very VERY stupid, but those are the "rules".

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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We will need MUCH more info than youve given here to know that. The main part being a full breakdown of the debt. Tbh, if i were you, i would withold all payments from now on, until that breakdown gets sent to you. Chances are you have a lot of unenforceable fees that were added to the account. Some PDL's try to charge you default fees multiple times, when technically and logically its only really possible to default once.

 

 

Get the breakdown and we can go from there. If the debt is way overdue (such as a year or so), then they could claim a late payment, but not to the tune of £300 more than the loan + interest.

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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Original loan and one months interest would be appropriate here (I know people are going to start shouting 'where is the legislation' but where is the legislation that allows them to rollover ad-infinitum on what is supposed to be a short term one month loan). The original contract has ended long ago and cannot be indefinately extended.

 

OFT Regulations kick in here too so get a copy of them from their webiste (its been updated recently) and work out which ones have been broken and complain complain complain.

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I'm sure that somewhere in the guidance it states that a creditor shouldnt force a debtor to carry the debt over , or have it increased so it escalates to an unpayable amount.

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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Don't wait, GO and complain today. Leave the FOS for now as they are as useless as a chocolate teapot - especially in this weasther! Go to the OFT and let them know this company are refusing to deal with you other than by phone, are not providing information when requested and clearly are not reading your emails.

 

If you don't complain today you are wasting your time posting on this forum... that is our advice, complain to the OFT and Trading Stndards TODAY and leave the FOS for when you get a response from the OFT and Trading Standards.

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  • 2 weeks later...
I have just had an email regarding my outstanding Payday Express account stating that an agent will visit me in the next 3 days. Can they do this?

 

 

Hi there, Superdaz, i also have a PDL with Payday Express and are unable to pay them at the end of month. How did you get on with your correspondence since your last poast and did the door step caller over materialise?

 

Thanks

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Send them the doorstep letter. If they come calling, tell them to get list whatever kind of language you like.

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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