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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
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Cash Genie - Been an Idiot


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Hi guys

 

I took out a £300 loan from this pay day company thinking i would of had no issue paying it back but appears now i have run into a bit of a snag.

 

The interest was £90 so my repayment date is 390 on 31st May 2013.

 

I borrowed this for an emergency as my nan lives down south

and wanted to be at her side as she has cancer so

 

i took out this loan to cover my petrol expenses, accommodation, food etc

i had a cheque in the post last week for £2000 but the cheque bounced and now im in abit of bother,

Its only a matter of time before they stick £45 letter fees, £15 late payment fee's on top etc

 

Im just worried is going to get out of hand i dont mind setting up a payment plan

but i can only afford the minimum as i lost my job last month due to redundancy with company going into administration

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Its only a matter of time before they stick £45 letter fees, £15 late payment fee's on top etc

 

True, but none of them would be enforceable and they would all be unlawful and unfair.

 

The first thing you need to do is secure your bank account so they cant get at it. A parachute account would be a good idea too.

 

Once your account is secure, then you need to work out your I&E and produce a simplified budget summary for your creditors. PDL's are low priority, so if you can only afford £1 a month to pay them, then thats all they get. If they were stupid enough to take you anywhere near a court, the judge would 100% agree with you and tell the PDL to shut up and accept it.

 

 

Theres nothing to worry about really. PDL's just make a lot of noise, hoping youll give in to shut them up. Play them at their own game, and they get frustrated and usually back right the way down.

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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Thanks

 

Exatly what do you mean by a parachute account.

 

I have a lloyds account and a halifax

 

Halifax has never been used but i have a pin number and a card with them

 

I recently cancelled my lloyds card which cash genie have

 

i now have a new card number are they still able to take money from my account ?

 

Im sure if i give them plenty of notice and make them aware of my situation they may be able to freeze interest, and avoid letters so i can set up a payment plan.

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Mouse over or click the words parachute account and read the popup.

 

With cash genie, i don't think ive ever heard of them stopping interest. They usually add on tons of charges to hike up the debt then sell it on.

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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On the contrary, Cash Genie were the easiest I've had to deal with.

 

I had a loan of £250 with £75 interest, and they set me up a repayment plan for that amount and no more. I pay them £50/month.

 

They even removed my card details from their system to allow me to make direct bank transfers myself.

 

Send them an email, they have been really helpful to me.

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Thats actually very unusual but very good. CG are notoriously hard to deal with.

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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Yeh they sound reasonable but i cant afford to pay it really so it would have to temporary be £1 a month until further notice as i just have enough for my bills and to feed myself with only being on JSA

 

I just hope they dont start taking advantage of me by sticking £100's of pounds interest then it gets out of control.

 

I will email them and ask them to set up a payment plan for 30th of the month

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If you are on JSA

 

If they add ANY interest or charges on after you tell them you ar eon JSA and cant meet repayments, then it will be considered unfair and a direct violation of OFT guidance on debt collection, and will easily be challenge-able.

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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Ok mate

 

good stuff ive emailed them explained my situation even sent them a copy of my JSA book to prove im on JSA.

 

Will post the outcome here

 

Thanks for all your help and advice

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One last thing

 

I cancelled my debit card they have on file to stop them taking money out of my account i dont have. Even though they have my sort code and account number can they still take money out of my account ? reason i ask is on the day i repay my loan my jsa goes into my account last thing i want is them to take it then i cant afford my bills and then feed myself

 

I also have a tax rebate for £50 but that will have to go to pay my arrears on my water bill would it be safe to put it into my lloyds account

 

lloyds is my main bank which i use all the time and cash genie had my old debit card details.

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  • 4 weeks later...

Ok had cash genie constantly phoning me day and night every day.

 

I have blocked 2 or 3 numbers using an android app i have but they seem to have a large variety of numbers they like to call off, constant threat texts aswell stating charges of £27.50 to be added and 40+ plus for a letter to be sent out, these people are really irritating me now ive emailed them twice and they don't even bother replying to me

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You need to start logging the calls, and get complaints in to the lender, OFT and OFCOM. Ignore all the silly stuff about charges, as they know they are unlawful and unenforceable.

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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  • 2 weeks later...

Will do that, this Zen Young keeps messaging me saying interest and charges have been back dated contact us to stop this obviously ive ignored this

 

there is no point in these idiots having a email address they never pick up there emails or reply this is probably done deliberately so they can add stupid charges onto the account

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