Jump to content


  • Tweets

  • Posts

    • 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
  • Recommended Topics

  • 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
  • Recommended Topics

GE Money Loan paid but have outstanding arrears account.


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3984 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

  • Replies 114
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thanks Jon & dx, I will sort the trustonline in the morning.

 

I will also apply for CRA reports tomorrow. No point in sending recorded as its a PO box address?

Is it worth applying to all; experian, equifax and callcredit - to cover all bases?

 

Yes Jon, the paperwork is in your desk :-)

 

I won't lose faith, though I can see it's easy to - yours and everyone's help and support from this forum would be in vain if we backed down. Also the blighters(mild to what I wanted to call them) would win!

 

S

Link to post
Share on other sites

Morning Jon,

He has no other accounts, but has had (which he has been in fincancial trouble with).

 

The CCJ could have been longer than 6yrs ago. Is 6yrs significant when it comes to CCJs, or is it just that they don't show after 6yrs?

Will apply for his credit reports today.

Link to post
Share on other sites

Hi Sheila

 

Im getting a little lost here...why are we presuming that a CCJ exists on this account?

 

Regards

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Sheila

 

Im getting a little lost here...why are we presuming that a CCJ exists on this account?

 

Regards

Andy

Sheilas father remembers getting court papers, but he isn't sure what they related too. Probably not this account.

Link to post
Share on other sites

looking at the interest bearing charges pdf

 

there are various solicitors fees from 2005

i would suggest the ccj is outside of 6yrs

so will not show.

 

he got royally shafted with fees to inflate the debt before they got him there!!

 

 

pers i dont think he owes a penny and has/is being fleeced blind.

 

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

paid or not the ccj will vanish on its 6th birthday

 

i would have thought the GE would be / have

waived their arms legally if this 'fees' account was part of the CCJ/CO.

 

me thinks it was not

 

it would be really interesting to see the judgement box

 

outside chance northhants court might stil have details?

 

if the CCJ was not settled my guess would be GE money would be refering to it still

 

they are not.

 

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

i p'haps would twist their arm

 

they cant refuse to remove the charging order

if they have no proof the 'fees' account was part of the CO sum surely

 

so thus...

 

they must have it to prove it.

 

demand they remove the CO as the CCJ has been settled long ago

 

if they so NO

 

then demand proof the fees account IS part of the CO sum... i bet its NOT!!

 

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

I personally don't think that any Judgment is in place ...its a secured loan...they dont need one...they can go straight for a CO to secure the debt.

 

Is there a Charging Order ...has the Land Registry been checked?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I have ordered the title register but for some reason I'm struggling to find the document, I have a worldpay transaction ID (by email) but land registry website can't find it.

I will ring them up shortly.

 

Hi, Sheila has managed to get the document:

I think this is the relevant bit:

Probably normal for a secured loan?

 

B: Proprietorship Register continued

the proprietor are modified.

4 (28.11.2002) RESTRICTION: Except under an order of the registrar

no disposition by the proprietor of the land is to be registered

without the consent of the proprietor of the Charge dated 27

November 2002 in favour of Igroup Loans Limited referred to in the

Charges Register.

C: Charges Register

This register contains any charges and other matters

that affect the land.

1 (28.11.2002) REGISTERED CHARGE dated 27 November 2002 to secure

the moneys including the further advances therein mentioned.

2 (28.11.2002) Proprietor: IGROUP LOANS LIMITED (Co. Regn. No.

3860257) of Malvern House, Croxley Business Park, Watford WD18

8YF.

End of register

Page 3

Link to post
Share on other sites

no i think that is the charging order

 

if it was the loan i think it would say Standard Security blan blah IGroup ltd?

 

not sure

 

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

Thought as much so a CO is already in place.Jon I have unapproved your other post as there is far too much personal information on view.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thought as much so a CO is already in place.Jon I have unapproved your other post as there is far too much personal information on view.

 

Andy, No problem, don't think it needs to be edted & posted again, as we know a CO is in place.

Link to post
Share on other sites

doh! are we blind..

 

its a mortgage

there neverwas a CCJ

there never was a CO.

 

however we need to know what happened in 2005 to involve solicitors please

 

it looks like he had money issues dating back to 2004

 

ALL those listed fees bar the Sol fees are reclaimable at their int rate

if it never went to court [for what?]

 

they can be reclaimed too

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...