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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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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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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..

 

 

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Hi

 

This PDF on a Private Loan Argeement may be of use:

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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If it was notarized or witnessed. There may be some legality if you and he both signed it, but im not too clued up in that regard. Thats why it is always a good idea to get independent witnesses to sign and view it if its a large amount of money, or get a solicitor to agree 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..

 

 

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If it was notarized or witnessed. There may be some legality if you and he both signed it, but im not too clued up in that regard. Thats why it is always a good idea to get independent witnesses to sign and view it if its a large amount of money, or get a solicitor to agree it.

 

We both signed, but no other witness..

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The short answer is yes. Lending money to a friend will generally create a legally enforceable contract.

 

As long as the agreement is non-commercial, it falls outside Part V of the Consumer Credit Act 1974. This means you do not have need to have a written contract or a witness or anything else. Obviously if you have a written contract that helps you prove the debt in court.

 

If your friend tries to argue that the money was a gift then the law will help you. The general rule is that where money is paid the law will assume it was intended as a loan rather than a gift, unless there is evidence to the contrary. The only exception is where you have a very close family relationship (marriage or parent/child - friendship doesn't count). You can read about a case where this issue was discussed here: http://huddersfield.yorkshirelawyer.co.uk/tag/presumption-of-advancement/. As long as you can prove that the money was paid to your friend, it would be up to your friend to prove that it was a gift and not up to you to prove that it was a loan. It would be difficult for him to do this if he signed something acknowledging that he owes you money.

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The short answer is yes. Lending money to a friend will generally create a legally enforceable contract.

 

As long as the agreement is non-commercial, it falls outside Part V of the Consumer Credit Act 1974. This means you do not have need to have a written contract or a witness or anything else. Obviously if you have a written contract that helps you prove the debt in court.

 

If your friend tries to argue that the money was a gift then the law will help you. The general rule is that where money is paid the law will assume it was intended as a loan rather than a gift, unless there is evidence to the contrary. The only exception is where you have a very close family relationship (marriage or parent/child - friendship doesn't count). You can read about a case where this issue was discussed here: http://huddersfield.yorkshirelawyer.co.uk/tag/presumption-of-advancement/. As long as you can prove that the money was paid to your friend, it would be up to your friend to prove that it was a gift and not up to you to prove that it was a loan. It would be difficult for him to do this if he signed something acknowledging that he owes you money.

 

Thank you, your post was very helpful. The amount was lent over time and not as one lump sum. I am due to phone him today to discuss the issue..

 

No answer when I phoned. I left a message the other day as well but he not replied.I don't think his wife knows about the money I lent. I could always tell her if he doesn't make contact. What do others think ?

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I would keep it between you and him. First thing to do now, is write a formal letter to him detailing the issue and for him to make contact with you. If he doesnt reply within 7/14/21 days, let him know you will not hesitate to make a claim against him.

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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I would keep it between you and him. First thing to do now, is write a formal letter to him detailing the issue and for him to make contact with you. If he doesnt reply within 7/14/21 days, let him know you will not hesitate to make a claim against him.

 

I am grateful for your advice. I think your right. I don't however want to make it worse, the problem might be is if I send a letter to him, his wife might get to the letter before him and might even open the letter and possibly will question him so much as they have a relationship that is often strained to say the least. He is often weak in his decisions and will often lean on others. I will somehow meet up with him and will continue this week to try to contact him by phone. Many thanks..

 

Have just spoke to the wife. Just said ask him to phone me..

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Meeting with friend and his wife to hopefully come to an agreement about paying me back. He had given me his credit card to off set what he was owning me but he has stopped the use of that now. Am I now entitled to demand the full amount with immediate effect..

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Thats up for you to decide. Read what you wrote again. He gave you payment on the CC, then stopped. Somethings not quite right here. I know he;s your friend, but if you really want the amount back, you need to speak to a mediator, or go through small claims. You've given him plenty of chances, so he would only have himself to blame.

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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Thats up for you to decide. Read what you wrote again. He gave you payment on the CC, then stopped. Somethings not quite right here. I know he;s your friend, but if you really want the amount back, you need to speak to a mediator, or go through small claims. You've given him plenty of chances, so he would only have himself to blame.

 

What he had owed me, there was an arrangement of sort to use his credit card to reduce the amount slowly. His wife found out and the card was blocked so was no longer able to use that method. There is no question he owes me the money. I will see how the meet up goes which is planned for this weekend..

 

We had a meeting yesterday, that was the guy and his wife. She was accusing me of all sorts of things which I allowed her to rant. What I have is a signature from my friend to confirm the amount he owes me at the end of December 2012. I will give a grace period and then send an invoice to him for what I can show he owes me. Could I demand the full amount now payable, say within 28 days ? Does that sound reasonable ? I am infact willing to agreed a longer period, say six months to settle the loan providing he comes to a formal agreement. What do others think ?

 

How should I serve an invoice and be satisfied that this has been served without there being any misunderstanding..

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" I am in fact willing to agreed a longer period, say six months to settle the loan providing he comes to a formal agreement. What do others think ?"

 

Depends on the amount and if he is willing to adhere to further payment plan CD.

 

Regards

 

Andy

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" I am in fact willing to agreed a longer period, say six months to settle the loan providing he comes to a formal agreement. What do others think ?"

 

 

Depends on the amount and if he is willing to adhere to further payment plan CD.

 

Regards

 

Andy

 

Thanks for your reply. The amount is just over five thousand. I definitely am seeking confirmation from the guy that he owes me the money and then I would consider a formal payment plan over a longer period. Does that sound reasonable ?

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Very but make it clear any default will be followed by legal proceedings.

We could do with some help from you.

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how could I serve an invoice and any other correspondence to be sure of service. I don't think a recorded delivery will be signed for if I choose that method..

 

Special Delivery - Process Server ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi CD

 

Look if you think delivering an invoice is so doubtful and he will not sign then a payment plan will be pointless....commence proceedings.

 

Regards

 

Andy

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I am aware of special delivery but what is process server ? My point is if a period refuses to sign on delivery..

 

They would normally issue warrants/Summons/stat demands etc on behalf of solicitors/banks/DCAs.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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