Jump to content


  • Tweets

  • Posts

    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Me & minicredit


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4117 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I had a loan 2 months ago with Minicredit (i know very stupid), the loan amount was £400 of which i received £380, total amount repayable is £520.

 

Between taking out the loan and the payment day i became sadly unemployed which led me to not be able to pay this loan.

 

Yesterday i received a letter in the post of them telling me that my total outstanding is now £1067 and that they will be sending DCA to my house (although i dont have a doorstep so i don't see the point in them collecting it lol), the total included the £100 fee for the DCA.

 

The correspondence prior to this was 2 missed calls from them.

 

Ive sent the Trespass Rule letter from earlier on in this thread and have printed DCA trespassing letter ready for there arrival.

 

I have also sent this by recorded delivery.

 

Also i have prepared a letter requesting a full break down of charges.

 

The contract states that the card attempt fee is now listed as £5 per attempt.

 

As I am unemployed i will be setting up a £1 per month SO till I get a job and then will pay them the remaining amount up to the total amount repayable listed above.

 

Have a covered everything in regards to this issue? as the posts that stated OPs only had to pay the original amount plus 1 months interest are old, is this still the case?

Link to post
Share on other sites

  • Replies 51
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

yep skelly, youre good so far. One thing i would advise is to secure your bank account, as they will try to debit anything and everything from 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

Link to post
Share on other sites

Did you cancel the Continuous Payment Authority on the account?

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

Link to post
Share on other sites

More to the point I take it the new card if you have one is from the same account, if so the likelyhood is the old card will still enable them to debit the account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I dont know what a Continuous Payment Authority is?

 

I got a new card and specifically requested a new number as i got stung a few years ago with a dodgy company that kept billing me card each month even though subscription had been canceled, requested me card to be cancelled but all they did was send a replacement with the same number, so this time i made sure it was a different card number.

Link to post
Share on other sites

CPA is a lesser known bank mechanic, where even if the card is cancelled, stopped, or a new number issued, the creditor can still take money because the transaction becomes tied to the account. Not the card.

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

Link to post
Share on other sites

write your bank and SPECIFICALLY tell them NOt

to honour ANY payments to them, without your WRITTEN permission.

 

dx

  • Confused 1

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... 

Link to post
Share on other sites

If they have called you that much in one day, you must report them to the OFT, OFCOM and the police. Also consider issuing them a LBA. Perhaps watchdog and stella creasy MP might be interested as well.

 

Normal contact is 1 call a day during business hours.

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

Link to post
Share on other sites

That is outrageous 26 call over 2-3 a day is bad but this is outright harassment so send the following letter by recorded delivery addressed to their compliance manager marked private and confidential.

 

Ref: as on their correspndence.

 

Dear Sir or Madam.

 

Formal Complaint/Telephone Harassment.

 

As of this moment on 09/10/2012 your company has telephoned my home 26 times and on other days I have been contact at least x times a day this not only unfair and unreasonable but is causing me incredible stress and I am now terrified to answer my own phone, this action by your company now amounts to harassment of the worst kind.

 

I demand that your operatives are instructed that NO further telephone calls are to be made to my number at any time or for any reason, I require your written confirmation that you have complied with my wishes within 72 hours of the date of this letter.

 

I am now preparing a report to the Telecoms regulator regarding the misuse of the telephone system, also I am making a complaint to the OFT regarding this obvious harassment and will comment on your companys fittness to hold a Consumer Credit Licence.

 

As you are aware the matter that these call relate to is in dispute and your company should cease collection activity until the dispute is resolved.

 

Your conpanys conduct is unbelievable considering the tragic out come that has resulted due to similar harassment, on advice I think your company should make a gesture of compensation because of this unwarrented intrusion in to my life I have been advised that a sum of £500.00 is reasonable considering the effect that this has caused on my family life.

 

I have also been advised that I have recourse to law regarding the serious level of harassment.

 

This letter is sent by Royal Mail Recorded Delivery and its' receipt will be tracked.

 

They ya go Skelly get it sent, just add in the average figure for the daily call where marke x in the letter.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

oh def harrassment

 

fire the letter off.

 

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... 

Link to post
Share on other sites

  • 3 weeks later...

Further to my posts in regards to my issue with this company, I had sent them a letter informing them that the police will be called if they trespass on my property to get collection they did not respond top this and have now sent a second letter saying they will send DCA to my address and issuing a 2nd charge of £100 for costs of sending the DCA.

 

The first DCA did not come to my address as i am in all the time as i am currently unemployed, so the first charge is invalid since no when was actually sent.

 

This company ignores all corispondance and only calls with recorded messages, i knind of wish they did sent a DCA so i could inform them they are trespassing and the call the police.

Link to post
Share on other sites

If any one calls just ''invite' them to leave, should they refuse then call the police stating you fear a ''breach 0f the peace''.

 

You can also tell them their charges are nonsense and they will not be paid.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

If the send anyone will do that.

 

I have informed them several times that the charges are nonsense, did not get a response.

 

I have checked my credit agreement and the boxes for my surname and auth code that was sent to my mobile are blank, would this render the contract null and void?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...