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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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      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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 Paul

Who are you PDL's with ?

Give them a basic income and outgoing.

I have only ever given them

 

Income £****

Outgoing £****

Available for creditors £***

Available for repayment to yourselves £**

5 out of 6 have accepted this, Minicredit being the only one to demand more. But I have never given any further info.

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Ahh. The usual three. as frugal said, give them a very basic income form, but do not give them ANY specific creditor information such as reference numbers or even names of creditors.

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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Paul

PDUK were okay to deal with, PDE were stubborn but rene's advice was bang on and I just kept on and on emailing, eventually they gave in to a repayment plan. Minicredit as you know are ongoing.

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Thank you. I owe PDUK about £80. Not a lot I know, but I could still do with spreading it over 3 to 4 months. PDE I owe £360. Not sure how I am going to pay that. Can't really say what I owe Minicredit because It seems to increase daily. About £530 so far not including the £60 quid they managed to loot from my account.(Original loan was only £100!!!). FrugalJo, I have been following your saga with Minicredit with much interest....

I will send them all a basic I&E first thing. Thanks for your advice. Have a good weekend guys!

Paul

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With minicredit, work on the basis you only owe the original loan plus interest. They LOVE to add on random charges for anything and everything, and none of them are legally enforceable.

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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Whatever was on your agreement is what you owe.

 

A creditor is allowed an I&E form if you want them to consider a repayment plan. However, they are not allowed any specific details and they are not allowed to inflate your proposal for repayment. They can either say yes or no. They arent allowed to suggest a higher rate.

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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A creditor is allowed an I&E form if you want them to consider a repayment plan. However, they are not allowed any specific details and they are not allowed to inflate your proposal for repayment. They can either say yes or no. They arent allowed to suggest a higher rate.

 

Actually, for the best chance of getting any creditor to accept a repayment proposal is to send a comprehensive I&E complete with info about other creditors. This way the creditors can all see that an offer is fair and reasonable. They could suggest a higher rate if the figures listed within the outgoings are over recommended guideline figures - and such figures are quite generous.

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What i meant was that specific names/references shouldnt be given. You can list it as "credit card 1: " Personally i wouldnt give them more details, as you never know what a PDL would do with the info. Remember Andrew Hart? The guy who actively went looking for people who had access to the NI database, so he could get peoples employment details in order to contact the employer? He was posting on linkedin and i think twitter as well.

 

I think that thread is still around somewhere.

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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The reason i mentioned ref numbers was because a while ago we had a report or two that some PDL's were asking for a reference number to ensure the debt was real.

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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The reason i mentioned ref numbers was because a while ago we had a report or two that some PDL's were asking for a reference number to ensure the debt was real.

 

Don't give that info out. It's not necessary.

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  • 2 weeks later...

Minicredit sent me a letter today. I owe over £600 now on a £100 loan and they say they are sending a doorstep collector. I couldn't care less about the collector. I just wish they'd communicate properly. They still havn't sent me a breakdown of the account despite me asking three times. It's almost as if they are delaying things on purpose so they can add the charges...:| Does anyone have any advice on my next step with these clowns?

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  • 2 months later...

Minicredit have finally emailed me a breakdown of the account...

1. Loan principal GBP 100.00

2. Interest in total GBP 145.00 (1% of the Principal per day)

3. Overdue penalty GBP 25 (was added on the 1st day overdue)

4. Overdue penalty GBP 55 (was added on the 3rd day overdue)

5. Debit Attempt fees in total GBP 640.00 (every unsuccessful attempt to receive the repayment costs up to GBP5)

6. Debt Recovery fee GBP 100 (was added on the 30th day overdue)

They go on to say I have payed £90 which leaves the total outstanding at £975. I don't know wether to laugh or cry!

They also say 'According to the Loan Agreement You have to make all payments with a debit card and the only possibility to make payments is available on Your MiniCredit.co.uk online account.' Although my account is now blocked!? Can anyone advise me how to handle this as it seems to be getting out of hand. Thank you.

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Ok. I'm going to reply to minicredit to tell them that the penalty charges and debit attempt fees are unenforcable but that I am prepared to make payments to the original loan amount and the interest to date. I think this is fair and it would reduce what I owe by about £800. Im not really expecting them to accept but I'm going to try!

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Dont say theyre unenforceable. Say that you consider them unfair and you are placing the account into serious dispute until the charges are removed in full or they can justify the amounts they are applying.

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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Unless.opos own the debt, just deal woth minicredit.

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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