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    • Last June, 3.4m members received a £100 payment from the building society. Now they will be wondering whether the offer will be replicated this year.View the full article
    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
    • Chinese firm MineOne Partners has been ordered to sell land it owns near a US nuclear missile site.View the full article
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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 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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