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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX 2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all.   Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • 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
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Minicredit, panicking, dont know what to do.


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I took out what I thought was a 100 pound payday loan, about 5 wks ago they didnt actually out 100 in but 80 pound, and because I became a little unwell I could not work for a bit, I have tried to fone them, left emails and now they are going to take over 400 plus piunds from my debit acc. My wages are due to go in tomorrow please,please help me u will have no money if tbey do tbis,

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http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=41_payday_loans

 

The Nat Debt Fact sheet above tells you how to deal with this. You must contact both your bank / card provider and tell them you are withdrawing your permission. The fact sheet advises what you need to say. Send an email to mini credit as well telling them you withdraw your permission.

 

If after telling your bank you withdraw permission for mini credit to take money from your account - then they are obliged to refund it.

 

But do it NOW if your money is going into the bank tomorrow !!

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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

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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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Agree 100% with cb. dont leave it till the last minute. Get it in now.

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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Ive just returned from my bank with my letter telling them I request all payments stop immediately, and yes they told me there is nothing they can do as it is not showing up that any monies are due to come out, I explained it was a CPA, and still they denied any help being available due to nothi.g sbowing that is due to come out of my acc. I asked they take my letter I even said by law you have to act on my request, but the best tbey could give me was if they take the money, then they will proceed with action then !!!!! Too late, the money will be gone, so now I will get the email off to minicredit telling them I withdraw my permission for them to access my account, will let you know how I get on, thanks guys.

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Go back to your bank and demand the names of the staff. Tell them you need the names as you are issuing a formal complaint with the fsa and oft as they are openly and willingly breaking the law. Take the fsa pdf's with you. do not leave the bank until you either get the names or they action your request.

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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Which bank are you with?

 

If your local branch aren't prepared to adhere to regulations, maybe the CEO will? This link provides chief execs of UK companies, including banks.

 

ww.ceo email.com

 

(ceoemail is all one word).

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I would also report your card lost or compromised. If they haven't applied for the money yet and haven't used that card before that should do the trick.

 

I have lost my card on several occasions (sometimes really lost it) and never had unauthorised money taken

Any opinion I give is from personal experience .

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Thanx guys, im with LOYDS TSB, it is the same bank ive used for the last 4 years, is it not enough that the bank worker took my letter ? And to be honest, I should have mentioned before I have cancelled my card and requested a new pin number, ive just been dealing with my mums cancer not to mention other crap going on, I just feel like jacking it all in not sure how much more I can take, thanx again.

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Thanx guys, im with LOYDS TSB, it is the same bank ive used for the last 4 years, is it not enough that the bank worker took my letter ? And to be honest, I should have mentioned before I have cancelled my card and requested a new pin number, ive just been dealing with my mums cancer not to mention other crap going on, I just feel like jacking it all in not sure how much more I can take, thanx again.

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Thanx guys, im with LOYDS TSB, it is the same bank ive used for the last 4 years, is it not enough that the bank worker took my letter ? And to be honest, I should have mentioned before I have cancelled my card and requested a new pin number, ive just been dealing with my mums cancer not to mention other crap going on, I just feel like jacking it all in not sure how much more I can take, thanx again.

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Sorry all if I keep re writing the same message, this is all new to me :( but ive just sent an email to the man you suggested TOPTRAPPER and keep my fingers crossed, will keep you guys up todate, thank you so very much.

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As yet still no reply off loyds tsb, really am at my wits end, is there nothing else I can do, I have only got until midnight and thats when they rob my hard earned wages, im in the care for elderly profession, and im exhausted I have been trying to sort this out all day, I am so grateful to all of your replies :) and very happy to know such a site exists, thanx again guys, just wish I had something positive to post, maybe soon !!!!!!!!. xx

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I had a loan from them for £100 but like you I only actually got £80.50 in my bank. Struggled to pay and again like u they don't reply to any email or calls. I sent a letter by recorded delivery now as the debt is now over £500 and that is just with being 5 weeks late. Shocking

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They claim the 19.50 is a "transfer fee" which is wrong as it doesnt cost them anything.

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 have told them my circumstances and offered a payment of jut over £100 in full and final payment. As I will soon lose my job. I am tempted to complain about them as ignoring emails and making it difficult to contact them is a joke when interest is still be added

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They claim the 19.50 is a "transfer fee" which is wrong as it doesnt cost them anything.

 

That is a tactic a lot of these companies use now as they know people are desperate and will pay a fee to have instant cash yet in reality a cash transfer between UK banks is pretty much instant now. I don't understand when they say it will take 3-4 days for he money to come if u don't pay for quicker payments

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That is a tactic a lot of these companies use now as they know people are desperate and will pay a fee to have instant cash yet in reality a cash transfer between UK banks is pretty much instant now. I don't understand when they say it will take 3-4 days for he money to come if u don't pay for quicker payments

 

It doesnt. If they send it before 3 pm, its guaranteed to be there the next working day in most banks.

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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Cantosis, its disgusting because when I 1st took out the loan, I knew I would struggle to get it back in time, but I did try and fix it by clicking on defer payment, but what this told me was to dep. £50 into my acc, the joke of it was I didnt even have 50p, hence my requesting my repayment be deferred to the following month, and they are impossible to get hold of, so I will just have to hope that my letter I handed Into my bank today works, although im not holding out much hope, but at least I have all my previous emails I sent these subhuman thieves, sorry your in the same predicament, lets hope justice prevails, will b in touch as soon as ihear something, good luck to u also, thanx.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?384484-50-payday-lenders-face-ban-warning-from-OFT

 

50 Pay Day Loan companies have been given 12 weeks to sort themselves out or face losing their licences.

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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Cantosis, its disgusting because when I 1st took out the loan, I knew I would struggle to get it back in time, but I did try and fix it by clicking on defer payment, but what this told me was to dep. £50 into my acc, the joke of it was I didnt even have 50p, hence my requesting my repayment be deferred to the following month, and they are impossible to get hold of, so I will just have to hope that my letter I handed Into my bank today works, although im not holding out much hope, but at least I have all my previous emails I sent these subhuman thieves, sorry your in the same predicament, lets hope justice prevails, will b in touch as soon as ihear something, good luck to u also, thanx.

 

Good Luck, if you have other loans you might want to think about opening a new bank account and getting your funds transfered there, thats what I did so at least I know my money is safe why I try and deal with the mess I have.

 

I am lucky a couple have accepted full and final settlements and I have a payment plan with a couple but minicredit and Capital Finance One are two of the worst Payday Companies and I strongly advise people to steer clear of these two companies as well as payday express.

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The moto of this story is send a complaint email to the OFT.

 

That really needs to be the motto of every PDL story fletch :)

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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