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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
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      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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Wonga FinancialAssessment and collections


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Just remember when completing the I&E form, they will ask for your other 'non priority debts' but the essential expenditure section is more important. Be realistic, but don't leave yourself short.

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got it. I am communicating with them via email only and not filling out any forms. They have replied via email offering a repayment plan and I have replied back asking for written proof and waiting on that. Hopefully, I wont need to fill that dreaded I&E form at all and they will agree to my terms.

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Get those complaints going. Regarding the I&E form, if it is anything more than simplistic, dont fill it in. They have no right to know that info. It may get you an easier repayment plan, but they are known for passing around your details to other PDL's and even DCA's.

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

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taking your advise renegade. not filling the form and only communicating via email. So far it has worked and they have offered a repayment plan via email like i said above. will let you know when/if they reply to my email within 1-2 days. if not, another complaint will be going their way.

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Agree with Jamie. Don't use wongas form, use your own. Just write a very simple list of your incomings and expenditure and tell them if they dont like it, tough luck.

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

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just wanted to update since its been a few days - well exchanged many emails with wonga. Basically, they asked me to call, I told them I need a reply in writing (email). Dont know why its so hard for them to fathom. I told them that they are using delay tactics and its been nearly 3 weeks and this still hasnt been resolved. Complained one more time but still waiting. Hopefully, this time they will realise that to reach an agreement they will have to first agree on the terms in writing. Really disappointed that it has taken so many email to get this across, yet it seems they still dont get it.

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Ok. IF they try to stall again, issue a formal complaint with wonga, and also complain to the OFT.

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

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thing is I already did when you told me to make the complaints last time. seems like no one cares. they proposed a repayment plan i m sort of happy with so just trying to get that agreed to for the time being without looking stupid trying to make complaint after complaint. but it really is depressing that they are taking before just to reply yes or no and always want me to call when i tell them I am serious about only receiving an email reply. Will wait a day or two and then see where we are.

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They are pushing their luck, hoping you will back down and cower to their demands. Remember, it is your legal right to have all correspondance in writing, no matter what they say. If they wont follow your instructions, then tough luck to them.

 

If they are still refusing a repayment plan, grab their bank details, and pay what you can when you can. Send them an email informing them of this. They cant refuse 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

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understood. I will wait two days then get their bank details etc. Waiting 2 days cos I want to resolve it with them so they will stop the "hijack" of my account. Basically, they are taking anything I have in my bank account.

 

 

do u know how i can stop them from charging my debit cards (they have 2 cards). I dont want to involve the bank cos my account balance is near 0 cos of wonga taking everything i deposit and I feel a little ashamed. IF it were direct debit, i would have cancelled it via online banking but how do i deal with cards. This is the main reason I want to resolve it with them first so my bank accounts become usable again.

Edited by kriket1
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You can write to wonga and revoke all permission for them to debit your card/account. Under law they must comply. However, it is much easier writing a letter to your bank. Don't worry about being ashamed. It is NONE of your banks business what you do with your money. They are there to keep hold of it until you need it. Thats all.

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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You can write to wonga and revoke all permission for them to debit your card/account. Under law they must comply. However, it is much easier writing a letter to your bank. Don't worry about being ashamed. It is NONE of your banks business what you do with your money. They are there to keep hold of it until you need it. Thats all.

I see. Can i do this with my bank via online banking. I dont have phone banking yet. But you have put me on the right track. I will try to do some research.

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Not advisable. Write the letter out, then take it direct to your nearest branch. Get it copies, signed, stamped and dated. Keep the copy, they keep the original. They can say whatever they like then. They would be breaking the law if they let any money out.

 

Also, you could look into a letter of appropriation which is guaranteed to secure your money for your bills.

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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renegade, wonga just seems to keep proposing newer repayment plans with bigger monthly payments as the interest on the account continues to accrue while they delay replying to the previous repayment plan that was being negotiated.

 

The email is from the same dept. I am dealing with now customercare@wonga.

 

I am thinking of replying again and saying I am not going to pay a penny more than the initial amount I owe, since it is their fault that we havent reached an agreement in nearly 3 weeks. How can they keep proposing newer repayment plan when I had already accepted their last one and am just waiting on them to send a written response to the terms.

 

I am worried as my complaints are not being answered and the interest will spiral completely out of control by the time they get their act together and I may then find it difficult to reach an agreement for a lower sum.

 

PLease advise how to go about it now. Complaints are not doing the job, interest keeps accruing, repayment plan not being responded to. What a mess. I want them to stop sending letters to my house. They havent. I told them this is harrassment and I lodged an official complaint. Complaint email was sent to all three of their depts. a week ago.

 

What a mess.

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Let wonga propose whatever they want. It doesnt mean you have to pay them what they say. You only pay what you can realistically afford. Even a court would 100% side with you if wonga were stupid enough to go that far.

 

What you need to do now is write a formal complaint to wonga, and get a full complaint into the OFT as well. Dont worry if wonga doesnt answer your complaint. The formal complaint will put the debt into dispute and after 8 weeks, or if they issue a final response you can take it to the FOS.

 

The key thing is you get those complaints in, and you head them FORMAL COMPLAINT.

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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renegade, is it too much to ask them to not mark my credit record if I were to pay them over £100 per month for 6 months for a loan amount of £450 and the total i owed was 650? At least they could have said either yes or no. Even if they had said no, I would have understood. But there is no bloody response and I get harassed by their mail and phone calls. Seems they are not in the least bit worried about any complaints I make. I told them I am complaining to OFT and CAB. No response. Been a week. And here I thought they were getting investigated by OFT and taking complaints seriously. They do say on their site, that legally they have 2 months to respond. Thats all well and good if for two months the interest wasnt 4000%.

 

And how to get them to stop sending mail every two days? nothing seems to be working

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You can negotiate that, but remember, you have defaulted on the repayments, so they are well within their rights to add a marker to your file.

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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Who knows. Pdl's are well known for doing weird things that make no sense.

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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just wanted to update.

 

Sent a lot of emails. No replies or arrangements yet.

 

Currently telling bank to revoke wonga permissions. Once that is sorted, will contact wonga again. I have been told to wait 48 hrs by the bank and can take longer.

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Nope. Theres a way of doing it instantly. Your bank are breaking the law.

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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apologise if I wasnt clear. They said its best to cancel the card and has sent me a new debit card. They said it would be best to wait 48hrs just in case. I thought it was better because then there would be no confusion later and my card expires soon anyway (just a couple months left).

 

PS - I am worried that my details may have been passed on to other payday lenders as I have been getting a lot of junk mail. So for security reasons I chose to go that route of cancelling the card instead.

 

Hopefull, with two days my card with wonga will be cancelled and they wont be taking any money unless they respond to my complaints. And after two days, i will be able to use my bank account to pay my usual direct debit bills (without wonga taking that money as well).

Edited by kriket1
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