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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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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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