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    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • 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.
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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.  

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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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Microcredit Vs Office Of Fair Trading - DUMM DUmm Dummmmmm!


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About 2 months ago i made a complaint regarding a payday loan company who was basically trying to get me to pay £1120.20 for a loan of £120. I called the Office Of Fair Trading and they somewhat did agree that as i did take the loan i should have to pay it back but not at the costs they are stating so they accepted my complaint and said they would report it to the proper authorities aswell...

 

About 2 weeks after the conversation with the OFT i received a letter from my local council saying they are aware of my situation and wish me to explain further and to back up evidence of any communication between myself and microcredit.... Sorry to say i was not too impressed already explained all to the OFT so i did nothing!!!! sweet F All!!!

 

Sooo not less than 20minutes ago i recieved a call from the OFT regarding Microcredit askine ME if wanted to be a witness against Microcredit as they are preparing a case against them :O REALLLLY..... CAN I DO IT JUST NOW? Nope she said with laughter Hahahah we will call you next week for an interview over the phone that will last upto 1hr... Nice! Im very much looking forward to it!

 

 

So do you all think this will be the end of Minicredit/Microcredit or will they get let off with it?

 

Are they even trading legally?

 

Comments and suggestion where this is heading will be grateful!

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I had the same email from OFT a few weeks ago and replied saying that I would be interested in speaking on the phone to them and possibly providing a witness statement but I've never heard back from them. Let us know how you get on next week when you chat with them.

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Lets hope they get closed down.. Fair play if i need to repay the 120 i borrowed plus a months interst but no more, i would rather do jail time than be extorted!

 

Thanks for replys

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I should maybe give them another call as toothfairy Defaulted me without sending an notice and from which im aware of but i may be wrong they have to issue one.

 

Is this correct anyone?

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After giving my statement to the OFT he said he will pass it onto Microcredit who can then give their side of events.

 

But a few things i mentioned scared them:

 

1. NO DEFUALT NOTICE ISSUED - How do i know if i have been defaulted

 

2. PASSING ON A DEBT TO DEBT COLLECTOR WITHOUT INFORMING DEBTOR - How do i know these people are acting on behalf of Microcredit, I'ts just hearsay.

 

3. DEFUALT MARKED ON CREDIT FILE @ £500 - So why are Mackenzie hall asking for £1111.20

 

4. NO CONTACT TO MY MOBILE OR HOUSE FROM MICROCREDIT - Why have they allowed the balance to reach this high

 

5. MY ACCOUNT IS BLOCKED ON MICROCREDIT - Why won't they let me go on and settle my debt?

 

6. PUT ON HOLD FOR OVER 15 MINS ON A PREMIUM LINE (10P PER MIN) - Why are they putting me on hold for such long periods?

 

7. NO RESPONSE TO MY E-MAILS - i THINK THIS IS BECAUSE THEY HAVE NOW PASSED THE DEBT ON.

 

This outfit is a bunch of snakes, they will lend you money no problem but as soon as you miss 1 payment they ignore you and pass the debt on. They are not acting under guidlines to help someone in debt fix thier problems which under OFT rules they should be.

 

PLEASE IF ANYONE ELSE IS HAVING PROBLEMS WITH THEM REPORT IT NOW - MORE IS LIKELY TO BE DONE IF WE STAND TOGETHER.

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