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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Full and Final Settlement - Debt was to Clydesdale bank who sold it to Marlin.


drakken
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  • 2 weeks later...

Got a letter from Clydesdale rejecting my PPI claim

- saying that "you accepted our final offer in compensation, therefore in agreeing to this you confirmed that no further compensation

would be sought under the above mentioned loan account".

 

This is in regards a complaint I made a few yeards ago when I was made to sign a new CCA to get the PPI payments removed

and the fact they defaulted this loan agreement also so in principle I was double defaulted on same loan,

 

it took almost 3 1/2 years to get his sorted and compensation was for that as far as I'm led to believe.

 

Have informed them of that and have requested a copy of the agreement to see if they have indeed worded it in a way that looks like I have agreed

not to pursue any other compensation in regards to this loan account.

 

Am a bit concerned I may have and the bank is now going to use this as a means of rejecting all my complaints in regards to this loan,

 

especially the fact they hand wrote my new loan account number on the CCA.

 

Would be annoyed if I have been lulled into something that I thought was only covering the double default/forced to sign new CCA.

 

Still no reply from Marlins yet in reply to my non complaince of providing a CCA though.

 

Made my payment to them but not sure if I should hold back on next months payment.

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if marlins have failed the CCA & you've sent the failure letter

 

you are under no legal obl tp pay them anything.

 

as for the refusal

 

refer them to the recent Judicial Review

 

whereby they should re-open old cases

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Evening, finally got a reply from Marlin about account in dispute, there reply is roughly as follows:

 

Still waiting on credit agreement from creditor...until provided it has become unenforceable but does not mean this has been written off.

According to OFT guidance on "unenforceable credit agreement" we cannot:

make you pay your debt

****get a court judgement against you******

take back anything hired etc

 

But we can:

ask you to pay what you owe

send a default notice (already been defaulted & removed)

pass info onto a CRA

pass information onto a debt collector (thought Marlin were a DCA)

sell the debt to someone else

take the case to court

 

And ends with all collection activity on your account is currently suspended until documents can be provided.

 

 

Thoughts and opinions please.

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I think that should read cannot take the case to court!!

 

see section of post 81# marked **** ******

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Cheers thought that, just seemed like a contradiction, will just sit and see what happens. As posted prevously this CA is the one they have scored out the account number and hand wrote the new one on it. Still waiting to hear from Clydesdale about that.

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Buy a hampster. You'll, no doubt, receive plenty of cage lining for a while yet. Keep listening to the guys, they'll keep you right. As for phone calls, just say "In writing please" and terminate the call. A recorded phone call can come back and bite you in the proverbial at some future point.

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  • 2 months later...

Hi Drakken, just wondered if you got any where with marlin?

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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Morning,

 

Not heard a peep since they couldn't provide a CCA.....

 

Thanks for your reply, I think I'll will try that. Cheers x

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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Like the

 

without a CCA from you, I can:

Tell you to get stuffed

Pay you bugger all

ignore your threats until the debt becomes statute barred

Put my feet up and have a nice evening

 

Spamhead, can I use this please don't want to infringe your copyright.

 

Feel free and with my pleasure

 

It's a simple premise really - Until they produce something enforceable, then obviously they can't enforce anything

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if marlins have failed the CCA & you've sent the failure letter

 

you are under no legal obl tp pay them anything.

 

as for the refusal

 

refer them to the recent Judicial Review

 

whereby they should re-open old cases

 

dx

 

dx... could you point me in the right direction for this please? Thanks

 

Molly

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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