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    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later the your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before driving to the exit stopping for cars, pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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

      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
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Wonga Repayment plan help please !


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Hi all,

 

Been reading on here for a while and decided to deal with my Wonga debt.

 

I have a debt of £1416 including interest which was due today.

 

I have cancelled the CPA and reported my debit card lost and my bank account is empty.

 

I have emailed wonga asking for a plan over 12 months - 1st payment of £41 then 11 equal payments of £125 starting in March and they have not replied.

 

I did call today and was sent the I&E form which I completed and they said the payment plan they would accept was about £334 a month even though there was nothing like that left on the I&E !

 

I emailed [email protected] and some other email addresses with my proposed plan again.

 

I should say in my proposal I asked to pay by bank transfer and requested their details and said I would make my first payment after a plan had been agreed.

 

Is there anything else I should be doing or can do just now ?

 

Should I keep emailing my plan everyday until I get a response ?

 

What are the best email addresses and phone numbers to use for wonga ?

 

Thanks,

 

B

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WOW !

 

Just had a reply from Wonga :

 

Our aim is always to help you settle your loan as quickly as possible and acknowledging difficulty in repaying is actually half the battle, so we really appreciate you getting in touch and discussing a repayment plan.

 

Whilst we cannot enter into a new agreement, I am happy to confirm we will accept your payments against the original agreement according to the plan below. Also, as a matter of our entire discretion we will freeze interest as long as the plan is maintained, because we are keen to help you settle the balance.

 

Promise Date Repayment Amount

05 Mar 2013 £128.71

05 Apr 2013 £128.71

05 May 2013 £128.71

05 Jun 2013 £128.71

05 Jul 2013 £128.71

05 Aug 2013 £128.71

05 Sep 2013 £128.71

05 Oct 2013 £128.71

05 Nov 2013 £128.71

05 Dec 2013 £128.71

05 Jan 2014 £128.66

 

Please Login to the MyAccount section of the site to review and verify your plan. Don't worry if you have forgotten your password as you can request a new one at the login page.

 

Once logged in and having verified the arrangement, you can keep track of your payments at any time. You can also add a debit card, or choose your primary card, from where we'll take payments unless agreed otherwise.

 

If you miss a payment which has become due under the plan, the full remaining balance under that plan will become due and payable to us and will be automatically collected from your debit card. We may also make further attempts to collect the money from your debit card, or any other card you have chosen, either in one payment or in several amounts on a continuing basis until the amount you owe us is repaid.

 

We therefore encourage you to stick to the

 

Checked my account and it is in place !!

 

They do mention paying by card so I have asked for all bank details to ensure I can pay by bank transfer in time and if need be I can use one bank account with only the money required to pay wonga every month by debit card - although I would prefer bank transfer !

 

So glad I done this as it was such a burden seeing my wonga loan every month for most of last year !

 

Any more communications from Wonga I will post here so everyone else can read my experience to the full, as I have read other peoples, which gave me the confidence to do this !

 

Thanks all :)

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  • 2 weeks later...

Hi!

 

I am in the same situation as you with a wonga debt of around £1300 which swallows all my wages! It's an ongoing cycle I want to get out of but have been putting it off as I hate approaching these companies! How did you go about speaking to them? Was it all via email? I am happy to fill out an i&e form and pay over a set period of time because as you probably know it is so worrying and really stresses me out, and paying so much to wonga every month is making me fall behind with my other creditors! Any advice you have is appreciated thanks!

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Hi,

 

I emailed first of all but after a few hours called them.

 

The guy I spoke to emailed the link to there I & e form.

 

I filled this in offering 12 equal payments but it rejected this and did they wanted payments of 300 ish each month even though I did not have that left on the form.

 

I rejected this then emailed them my first letter to the address there I & e came from and within an hour had the reply accepting 12 equal payments and my account page also shows this.

 

Was very worried about phoning but decided that three person I would speak to has no personal interest and if they gave me hassle then i would hang up and deal only be email.

 

worked out OK in the end and I wish I done it months ago !

 

B

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Just make sure you get FULL WRITTEN confirmation of your plan.

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

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I sent them my i&e form by email on Saturday and had confirmation this morning that its been set up, I offered to pay 150.00 a month and its been approved and interest and charges frozen! Thanks for everyone's help!

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Hello,

I am in a similar situation and was wondering what you said in the email? I am dreading having to email/call them but it is making me sick with worry not being able to afford the loan. Also the only number I can seem to find is a automated service, how do I talk to anyone?

Any help would be hugely appreciated!

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Don't worry I was the same! I emailed them a quick email saying I'm having problems paying my loan and can I have an i&e form emailed to me, I then had that and filled it in and sent it back and they emailed me 2 days later with the plan.. It was really good. Emailed collections and the assessment team to get the form .. [email protected] or [email protected]

 

 

Hope this helps!

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Wonga are actually one of the only PDL's that acknowledge repayment plans. However, if they start to ask you to call them, or fill in a big I&E form, refuse to do so. Also make sure that once you have agreed a repayment plan, ON YOUR TERMS, you need to get it in writing, and ensure there are no side clauses.

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

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