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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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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.

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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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Wonga default


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I did receive a letter 2 weeks ago rene but she threw it out by mistake when they call tomorrow I will give them my email address and state in writing only to them

Fortunately I'm a strong character and by reading the forum for the last month have a reasonable understanding of my rights

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What he recieved was a simple threat letter designed to try and force communication. As i said, when something of actual substance comes along, then start responding. The OP most likely has a standard form letter from mucky hall. The same letter every debtor gets from them.

 

If they call tomorrow, do NOT talk to them. Just say "in writing only" and hang up.

 

That is not my advice, that is CAG's stance on dealing with creditors by phonecalls. Do NOT give them your email address over the phone. As i keep saying, wait till they provide something of substance before you communicate with them.

 

So far, all youve gotten is "give me money or else" letters/phone calls. Thats it.

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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Remember, dont talk to them. They will NOT provide a transcript for you, and when you try to question them, they will deny all knowledge of the call. Remember, trading standards have a big file on them for a reason. You seem to be content on giving in and falling into their trap.

 

If they call you, tell them in writing only. If they call you at work, then you MUST start official complaints, as they are NOT allowed to call you at work. In fact, if you sent the telephone harassment letter, they are not allowed to call you at all. They have to communicate in writing. If they breach that letters instructions, they will be bordering on criminal harassment and also violating OFCOM regulations.

 

 

Anyway, thats my advice and also CAG's stance. Whether you choose to follow it or not is up to you, but remember, if you start responding and giving in to them ( which it seems you are doing), they will mark you as a cash cow, and will NOT back down. CAG has hundreds of threads on this company. We know exactly how to deal with them and exactly what they will do. And if you dont read up and follow advice, then you arent going to like the outcome.

 

One more thing, the reason ive been restating this is because they have been known to buy a debt. Take a settlement of the debtor for a percentage of it, then sell the rest to another DCA who will come along in a few months or a year or so, and pile on their own charges on top.

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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My problem is I know my rights with regards to payday loans capital plus one mth interest any other charges nonenforceable - this is a diff ball game

I respect your advice and will follow tomorrow

 

Thanks again

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Im not saying you dont know your rights far from it. But the one months interest thing was never proven or substantiated in any way. What CAG advises is you pay the original loan plus agreed interest then see if they justify the unfair charges etc. Normally they will start adding on late fee's ( penalty fees that are reclaimable), plus £200 plus for passing it to a "solicitor. This "admin fee" is entirely unfair and unenforceable.

 

Anyways, i hope everything works out for you. Just remember what i said, and make sure you stand your ground. Mucky hall are very well known to us, thats why i've been so hardline in this forum when talking about them. Plus ive had my own dealings with them too.

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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Good luck. If you need any help at all, let us know. These muppets can be tricky to deal with. however since you got called at work, you must issue a complaint to the oft and their local trading standards office.

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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Think so yea. Its the one closest to their address.

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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  • 1 month later...

I had a wonga loan of £500 about 18 months ago and got in a financial mess. I could not repay them.

I now have a threatening letter from thiere legal team demanding £1800.

I have made them an offer of £10 per month which will kill me, but what I want to know is where this £1800 comes from and can I dispute the figure.

If this is interest then I am shocked to the core. Can I make them reduce the interest as this is more than a little obscene.

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1800 is unenforceable and full of bogus charges. email wonga and ask for a FULL breakdown of the debt. Make sure that you do not accept liability for that amount.

 

If you took a 30 day loan out, then you only owe the loan plus original interest, the initial default fee minus any payments you have made so far. they cannoy add on tons of interest and penalty fees as they will be unfair.

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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If they are calling you a lot, contact the OFT and their local trading standards. THeyll sort MH out. Dont just ignore it as theyll think they are allowed to keep doing it.

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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