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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Help With Yes Car Credit/DAF , reclaiming Complicated one?


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Hi there,

 

I have joined this forum to ask for any help and/or advice on re-claiming from Yes Car Credit

but it is a bit of a complicated one....I think.

 

I bought a car on finance from Yes Car Credit back in 2003.

It was a joint agreement with an ex boyfriend (no longer in contact and do not wish to be at all!)

 

The car was later stolen,

burned out I think and recovered by police

(so there must be something on file)

I was in between addresses then and kind of left it there.

 

A few years later-think it was 2007,

I had a debt collectors letter saying they had been trying to find me

and now that they had I owed them money for the car.

 

 

I rang, panicked asking what I should do.

They said they would write off so much of the debt (don't know why)

and that I owed them £3,000 which I paid

(Well, my grandma paid for me as I didn't have any money to do so myself)

 

then when all the PPI scandal came about I wondered if I had anything to claim back from YCC

I followed some instructions from a forum similar to this and sent off for the paperwork.

 

Sure enough I received a CD with the original credit agreement on there.

It shows (in section 3.0 - Additional Optional Non Cancellable Insurances)

 

10.£ Payment Protection Insurance Cash Premium

11.£ 550.00 Mechanical Breakdown Insurance Cash Premium

12.£ 350.00 GAP Insurance Cash Premium

13.£ 900.00 = Total Insurance Premium Cash Price (10+11+12)

14.£ 300.00 Less: Down Payment provided by Customer

15.£ 600.00 Shortfall Required by way of Credit

16.£ 251.04 Add: Interest

17.£ 851.04 Balance Payable (15+16)

18.£ 1151.04 Total Amount Payable (14+17):

19. 20.0 % APR

20. 48 Number of monthly Insurance Instalments

21.£ 17.73 Amount of each Insurance Instalment

(17+20): the first payable one month after the date of this agreement.

 

Apparently I should not have paid anything to the debt collectors as I had GAP Insurance

which would have covered the car value when it was stolen?

Also as there is a space next to PPI I'm not sure if I had PPI or not,

Is Mechanical breakdown insurance re-claimable?

 

I just don't know what to do next in order to find out if I am owed anything at all?

 

If anyone can advise me I would really appreciate it.

I am on the verge of calling a PPI claims company but I've seen the rates are 25% plus VAT!

 

Thanks in advance for any help you may be able to give me.

 

Kind regards,

 

MsQ xx

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25%+vat and the rest!! 20% income tax too now..

 

 

do it yourself dead easy.

 

 

yes you got spoofed by the DCA

that paid their xmas party I bet

yes the gap was there to cover that

and anyhow as it was stolen, your insurance co should have dealt with it at no cost to you either.

 

 

never mind you got had.

 

 

you ca 'lump'

all those insurances etc together and call them PPI.

 

 

and put in a reclaim to yes car

they do cough quite nicely

and rightly so.

if you could scan that agreement up

it would make things easier to understand.

 

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..jut upload it ..job done

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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unzipped and shrunk the files

 

 

so you paid £17.73PCM for all the unwanted stuff

 

 

ANd the agreement is void

they took your deposit off the insurances

that's not allowed.

 

 

dx

 

 

 

 

back later hopefully

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Hi sorry I haven't been on here for a while.

 

Just reading the thread back and wish to pick up where I left off. Okay so looks like I have a case against YCC but what do I do about it? I have no idea how to put this into writing, work out how much I am owed or where I should even start.

 

Can you tell me what to do next? Do you have any idea what I could type up and sent to them?

 

Thanks so much for all your help with this.

 

Kindest regards

 

xxxxx

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link 1 below

 

get you spreadsheet done first

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Be prepared for a fight though. They won't give up easily as my thread proves. If you're going to start this you will need to stick at it and be prepared to overcome any obstacles that they will put in your way, and believe me they will try everything.

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Oh dear,

 

Maybe I should use an claims firm after all, but who would help with this kind of case? I have looked for the questionnaire but can't seem to find the link?

 

Thanks again guys

 

xxx

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Oh dear,

 

Maybe I should use an claims firm after all, but who would help with this kind of case? I have looked for the questionnaire but can't seem to find the link?

 

Thanks again guys

 

xxx

A Claims company won't touch this one I'm afraid. It's too old and not easy enough for them.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 4 months later...

yes quite a few

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Evening Everyone,

 

 

I am a Newbie registered, but have been lurking and looking at posts for a year or so now and some of you guys really know your stuff and thank you so much for sharing it You have showed me so much.

 

 

I am also a victim of YCC not once but twice ( I know I know I can hear you all now saying stupid Woman i'm not proud of it I can tell you), I currently have in my possession roughly 15 pages of notes from one loan that I took from them, (I even know how much commission they got for selling the PPI) trouble is I have contacted them with the standard PPI Form plus the agreement and a letter from Aviva stating that YCC was responsible for the sale of PPI (im not entirely sure if Aviva have anything to do with this as the FOS told me they was most likely the insures, but wait for it you are gonna love this one! Ready?

 

 

 

 

Dear XXXXXXXX

 

 

Agreement Number: unknown

 

 

We refer to your questionnaire received XXXXXX

 

 

We do not appear to have received any previous correspondence in reference to your complaint. We are also unable to locate any letters which we have sent to you.

 

 

Unfortunatly we are unable to locate an agreement for you from the information you have provided. In order to help us identify you please provide us with a valid agreement number vehicle registration number and /or any previous names and addresses.

 

 

If you are in receipt of correspondence from direct auto financial services, we would ask that you forward copies onto us so that we can investigate this matter further.

 

 

Yours Sincerely

 

 

I think this could be the new standard letter that will be doing the rounds as I have received this twice with the other claim, how shocking I provide them with their agreement there employees name and the agreement with the reg of the vehicle on it and my address and they cant find me.

 

 

Please please could someone advise how I should play this, i'm quite happy to go to court if needs must. I feel so passionate about it!

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  • 3 months later...

Spoke to FSCS and they said that they can only deal with claims against Yes Car Credit that were financed after 2005 and that no other claims company would be able to do it as they would only come to them anyway. Mine started in 2003 so I'm buggered :(

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I suggest you read ukdarrens thread.........

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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