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    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
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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.
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Question re Swiss credit card

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I have a question, can you tell me if a foreign credit card debt can be registered on a persons UK credit file? I have a credit card debt in Switzerland , which I fully intend to pay when I get back to gain full employment and I have communicated this fact to them. However I recently received a letter form a UK debt collection company saying that if I did not pay in 5 days etc that they would register this debt on my UK credit file, which I don't see how can be true given it is foreign credit card

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^ Thank you so much for the quick reply ... it was actually a Manchester based UK debt collection company in there letter that threatened to register this with the credit reference agencies ... which I could not understand as I thought they could only register UK consumere credit agreements ... I am frustrated by this as I have made it clear to the Swiss credit card company that I will pay them once I am working again ... and I am really not inclined to even deal with this UK debt collection company .. as I am not sure what view a UK court would take of a Swiss credit agreement anyway?

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Maybe the sole director made a better car salesman than a debt collector http://companycheck.co.uk/director/906735143


As far as I'm aware there are no reciprocal agreements between the UK & Switzerland so they would have great difficulty in obtaining a CCJ here. Even if they tried you can contest the jurisdiction of the UK court as any agreement you have with the credit card company will be governed by Swiss law.

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^ You sir are incredibly helpful!! thank you so much for your help! I am as I said earlier happy to resolve this directly with the Swiss company , but I am definitely not inclined to deal with these awful debt collection companies .. I think I will just ignore what actually appears to be a one man band trying to threaten me with something his company can't do !!

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Thank you again ... seems strange a major credit card company would go down the route of using a company such as this ... particularly when I have been in communication with them ... mind you , said card company is part of a rather large swiss bank that has not showered itself in glory recently with its decisions or trading staff ..so who knows !!?

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Creditors both in the UK & abroad tend to use their own 'in-house' collections who in turn farm out individual accounts to the bottom feeders of the collection industry who work on commission. Periodically the creditors put all their bad debts into portfolio of many hundreds if not thousands of accounts which are then auctioned for a fraction of the total debts then they claim tax relief. A company such as his is not in that league because they are sold for hundreds of thousands going into the millions of pounds.

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Interesting ... so basically what is happening is said Swiss Bank is simply trying to get my account of its books by passing my account to a guy that has (it would seem) no legal recourse in this country? I am very impressed with your knowledge base ... did you work in the industry in some form?

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He will be acting on their behalf on a commission basis. Although it is a foreign debt he has to abide by UK debt collection guidelines, one of which is not to try and deceive or threaten an action he cannot legally do i.e take you to court, only the creditor can do that.

did you work in the industry in some form?
Six years of being on CAG & plenty of research + a PhD from the university of life. ;)
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Ok ... thank you my friend!! I appreciate it ... I will continue to correspond with the Swiss Bank themselves .. and react if they themselves decide to take me to court! Which from what you say would seem a hard thing for them to do given its a Swiss agreement .. the main thing is that these Premium Collections bods in Manchester have pretty much zero power ...

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Hi nigelmihell,


Been a long time since I worked in CHF


From my memory - you can declare your CC as a negative asset on your income tax returns in Switzerland and reduce your tax liability.


Below is an extract from the englishforum Switzerland regarding some aspects of Swiss law:


the process of dealing with bills and those naughty agencies that sometimes send you nasty letters.


Here is the basic process:

Bill send with date by which to pay.

Optional Reminder sent to pay the bill

Optional 2nd and often final reminder send to pay the bill often with a

charge SFr. 5-20 for late payment.



Optional Sent to debt recovery agency and lots of letters and charges!

Betreibung or Poursuite - the formal legal process to recover the money.

Thanks to HeatherM for the French!

The important thing to note in the above process description is that many things that are assumed by many to be "their right" are actually not and legally as soon as the bill has not been paid and the date required for payment has passed you **could** have a Betreibung as the next step.


It is however entirely normal to receive a pleasantish reminder that you have not paid perhaps 2 weeks after the date of payment has passed. The second letter will probably not be so pleasant and include a request for an additional few francs for their trouble!


Thereafter if you are lucky comes a third reminder or passing directly to the fun part the inkasso bureaus. Apparently Intrum Justitia are the angels of this group and the way they work can best be described as blind. So in order to deal with this group you need to be aware of your rights and what you need to pay and what you definitely do not need to pay.


Legally there are two things you always need to pay.

1. The main amount owed

2. Interest on that amount at the rate of 5% - still I think but it might be more now unless this is otherwise set in the T&Cs of the company.


It is also possible and likely that to the original main amount you need to pay the amount billed for reminder charges in German Mahngebühr.


And that is more or less it.


However the debt recovery agency likes to make money so additional items appear on your "bill"...


Now what you definitely don't need to pay are the kosts of the debt recovery agency. This is covered in Art 27. Abs. 3 SchKG which states that the costs of representing the debtee or creditor are not allowed to be passed to the debtor. In other words if the company engages a third party to recover its debts then they need to pay the third party and not you.


So from the written law these costs are not allowed to appear as a debt however you will see references to Art. 106 OR appearing on any letter from a debt recovery agency with sentences such as Verzugsschaden or Forderung gemäss Art. 106 OR.


Another trick is div. Auslagen or Rechsberaterkosten or Rechstauskunft or...

These are all things that are not permitted to be charged to the debtor according to the SchKG - I mean to actually need to take legal advice for debt recovery for a company specialised in debt recovery is blatent robbery - thats all they do...


Then there is the nasty Teilzahlungszuschläge. This effectively means that it is possible to repay the debt in parts and or at a later date effectively postponing the inevitable. However, if this is to be permitted it falls under the Konsumkreditgesetz or the law of consumer credit. The first part of this is the requirement for a bonitätscheck ie your ability to repay the debt. Is this not why you are here in the first place because you cannot? And if you can repay the debt then you would, rather than face the substantial costs of Teilzahnlungszuschläge. The effective annual interest rate needs to be made clear and when this is ca 50% you would not sign up for such a thing so it is surpressed which of course is against the law. Further you are not given the chance for early repayment again something which is not legal. All in all this is a pretty nasty business...


So what do you actually do. Firstly everything must be via Fax and or registered mail and you must keep a copy of everything...

1. Request a copy of their power of attorney (right to represent the company in question). This is a legal requirement they must respond to. Inform them that until such document is provided you will enter into no correspondence with them and assume they have no legal right of representation.

2. Calculate how much you owe the company and in a separate post calculate the interest due. It is not legal to add the interest to the main amount otherwise later amounts would be charged interest twice.

3. Remove all positions that are irrelevant such as Div Auslagen, Rechstkosten, blabla gem OR 106.

4. When the power of attorney arrives pay the amount as calculated in 3 to the account the debt recovery agency provided.

5. Don't let additional mails with additional amounts frustrate or annoy you - simply save them and otherwise ignore them.

6. As soon as and assuming you receive a Betreibung you need to declare you will take the legal route as you owe nothing.

7. That will generally be it as they cannot take it any further - well they can but they lose and you can recover your costs if they take it further.





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Hi Gerson


Thank you fo taking the time to write such an all encompassing reply. I want to check though ...what you have written is I understand all relevant in Switz ... but not as I understand it here in the UK??

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In the vast majority of cases unless they already have a judgment from the country of origin it is just not economical for them to pursue through a UK court. The time; energy & cost in the main is too prohibitive for them unless it is for a considerable amount. What makes it even more daunting for them is the fact that they would be unlikely to succeed & even if they did unless they can be sure of your ability to repay they would in all likelihood be throwing good money after bad. Even more so if there was any chance of you applying for bankruptcy.

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In Switzerland you have to BE declared BR by someone/thing, you cannot do it yourself (voluntary). Plus the law surrounding this is a nightmare.....


As cerberusalert has said it is not normally cost-effective to bring a case against you in the UK, even if it was they would have to follow Swiss law.


P.S. Did you know that the maximum allowable interest rate is 15% (see http://www.amcham.ch/members_interests/p_business_ch.asp?s=2&c=6#387 for more info)



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Hi Cerberusalert,


My interaction with the one man band form Altrincham Continues ... today i recived a letter from Premier Collections that if i did not pay in ful in five days they would be issue a Bankruptcy petition here in the UK sat followed by a photocopied notice to apply for a County Court Claim ...both of which I am told by others only hold water on UK credit agreements ... I am tempted to call him and tell him I know he is talking rubbish .. but I guess I will just continue to ignore him and communicate with the company in Switzerland directly

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Before they could apply for a bankruptcy petition they would need to send you a Statutory Demand & even then it would need to be the owner of the debt & more than £750 would need to be owed.


It would be pretty pointless making a county court claim because bankruptcy would include the debt.


personally I would ignore unless you receive a SD.

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Thanks again Cerberusalert ...it is more than £750 ... but I have mad it clear several times that I will to pay them when and only when I am earning again ... this guys letters are so badly written and the country court threat doesn't event contain an actual court name or reference ... I am stunned a global bank is using this guy

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