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    • Thank you all   JK, I agree; if they were to accept my full claim today, then the interest would be around 8-9 pounds. If I were them, I would have offered to pay the interest and said no to the 12 pounds for the letters. These have not been mentioned, which is my mistake.   As you pointed out, if the judge were to award at 4% and I did not get the letters, I would get less.   Bank, thank you. I do hear what you are saying. If I am to continue with this, then I will need to pay an additional trial fee of £59. If I win everything, then great, but if I win less the claim and court fee, then I lose out. I am not sure what the judge will think about the interest. I think we have to remember that I won the item and, therefore, did not pay a penny for it. Yes, I have had to purchase an additional one, but maybe the judge will hold this against me. I am content that this is a win. I have not signed any non-disclosure clauses, and they do not ask for this either in their offer. 
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    • Well you would think that would be the case. Sadly i doubt there is one honest broker within the BPA or IPC and most of their members. they are there to take as much money as they can from motorists regardless of PoFA.   Take the Consideration  period for example. This is a minimum of 5 minutes to allow motorists to find a parking space, read the T&Cs giving them enough time to leave the car park without having to pay if they decide not stay. Simple. Well it would be simple if it were any other company than BPA [or IPC who have now fallen into line with BPA's "reasoning"].  You see if you decide to stay then despite the fact that during the Consideration period when you still weren't classed as parking , once you accept the terms [with all the underhand little tricks designed to trip you up] that five minutes is now included in your parking time. [No not the parking period because the poor dears who ANPR cameras are apparently unable to work out what the exact parking period is since their ever so infallible cameras [yeah right] are incapable of tracking cars once they are in a car park]. After 12 years they still haven't worked out a way of doing it. Some of them fudge and the majority [with a wink fro their ATA [Accredited Trade Association though it should be Discredited Trade Association] just ignore the parking period all together. This is what BPA claim is the Consideration period Entrance grace period: This is for when motorists enter a car park, read the signs and/or attempt to make payment then leave. In these instances, motorists must be offered a reasonable amount of time before an operator takes enforcement action, but we do not define this time, due to the variance in size and layout of car parks. An entrance grace period for a small, permit-only car park could be below 5 minutes, whereas for a large multi-story this could be 15. But  heaven forbid that anyone should leave 6 or 7 minutes after entering  their member's car parks. . They are dutybound to receive a PCN. This is regardless of how busy the car park would be [Christmas eve for example ] .Our minimum is their maximum. Moving on to Grace periods. Again BPA gobble degook. Exit grace period: This must be a minimum of 10 minutes and this is when a motorist intends to stay – for example, if you paid for an hour but spent a total of 1 hour 10 minutes on-site, you will not receive a PCN. It is important to note that the grace period is not a free period of parking however and should not be advertised as such. If that ten minutes in not free parking what is it. their members all think they can send out PCNs for anything after 1 minute after the exact time never mind ten minutes. Our snotty letters have stood the test of time. Do not try to reinvent the wheel -especially with DCBL . They don't even know what a non compliant PCN is for goodness sake! You already know more about PoFA then they do. However if you include that they will find a way to disabuse the Judge of your logic and the law. So don't give them the chance.  I am sure you have the Parking Prankster going on about the rogues misusing the rules on planning permission by lying and stating that they had "retrospective permission". There is no such thing in English law yet Judges were swallowing it until one Judge pulled up Parking Eye about one of their Witness Statements alluding to "rp" by claiming it was "tantamount to perjury".  It wasn't tantamount,it was plain and simple perjury. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro... Hope it wasn't too long winded Nicky Boy.🙂
    • and more immediate issues WT* is the UK doing. Ukraine needs these funds and weapons NOW Lets sincerely hope this isnt another Tory VIPal skimming issue.   MoD accused of ‘go-slow’ with half of £900m Ukraine fund unused | Defence policy | The Guardian WWW.THEGUARDIAN.COM Delays mean just £404m of the money donated by nine countries has been committed or spent  
    • If everyone who wanted or needed a permit could get one easily how would PCM make any money?    
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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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      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
        • Like

Wonga question


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My loan is due out 10/1/14

 

Im going to default and offer to pay back in 3 monthly payments 2 small and one large amount in march when i get my bonus

 

My question just to make sure: am i right to pay my wages into my new santander current account due end of the month and do i close ( which i dont mind) my 2 other current accounts barclays and natwest ? That way even though theres no money in the accounts and no overdrafts fac, so am i doing right by just closing those account( wonga has both their details im afraid)

 

The debt is £1300 im going to offer £50 this and next month and then pay it all off in march

 

I will be taking all the advice on here about emails etc etc ok

 

Awaiting help thanks

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Be very careful with santander. Make sure you instruct them not to allow transactions to wonga.

 

Also look into a letter of appropriation.

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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Be very careful with santander. Make sure you instruct them not to allow transactions to wonga.

 

Also look into a letter of appropriation.

 

 

How can wonga get to my santander account? They have no knowledge of it, ive never used it before.

 

Only my barclays and natwest current accounts have ever been used for wonga and im closing them on tuesday next week

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Wonga and many other pdls/brokers share info unlawfully. Im not saying they will share yours but when dealing with pdls, it pays to be aware

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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Wonga and many other pdls/brokers share info unlawfully. Im not saying they will share yours but when dealing with pdls, it pays to be aware

 

 

Fair enough but that goes against what everyone on here seems to tell you, ive read get a new bank account thats not linked, im assuming its unlikely but i will mention it to santander if you feel i need to, but thats day light robbery surely?

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Correct. Get one that isnt linked, but make sure you aware of what the PDL's do.

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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well ive used all the tips from this site:my debt is £1445 with wonga

 

closed bank account

got a new one not linked, fresh

wages ring fenced

email to wonga sent didn't use their i/e form, sent the basic as advised 9/1/14

made offer of £150 per month

 

time to wait

 

had standard email pm 9/1 asking me to fill in i/e online, i refused referring them to my previous offer including my own i/e.....i await a reply

 

wil lkeep you up to date, heard nothing today, the debt isnt due till 2/2 i know most people defualt first but i'm gonna see how i get on anyway, theres no money for them to nick

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Good to see you have everything under control. Just be aware that wonga will try and insist you fill their own I&E form. Normally it is ok, but wongas I&E form tends to benefit them and not you. Let us know if you need any help if they start to play games.

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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Good to see you have everything under control. Just be aware that wonga will try and insist you fill their own I&E form. Normally it is ok, but wongas I&E form tends to benefit them and not you. Let us know if you need any help if they start to play games.

 

yes ive been asked twice now to fill it in but i'm playing hard ball

 

 

i got all my advice from this site and indeed mostly youreself imp :-)

 

 

11/1 still heard nothing

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Hello there,

 

seq

 

thanks, i took advice on basically what comes in and what goes out and what i can afford, £150 per month is a good offer i feel and better than most can do, i'm not shirking my responsibility though and know i need to tread careful as to not upset them too much , but this forum has taught me not to be scared of them tbh

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Sent them an email asking whats happening

 

Got a reply : they are pushing me to ring them, am i right to insist it done by email? Again ive persisted in saying they have my decent offer, theyve said in the "my account" options may help, dont know what their on about

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You are perfectly within your rights to get everything inw riting. Wonga seem to have regressed back tot he level of other PDL's now they had their application to be a bank turned down. Mainly due to the amount of fraudulent applications for loans they allowed to be processed.

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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You are perfectly within your rights to get everything inw riting. Wonga seem to have regressed back tot he level of other PDL's now they had their application to be a bank turned down. Mainly due to the amount of fraudulent applications for loans they allowed to be processed.

 

 

Yes i thought so imp, ive sent a reply saying OFT guidlines permit me to do it by email, am i also right in thinking i can get a repayment plan well before i default, thats not due till 2/2 but ive come clean now and just want it sorted

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Its not OFT guidelines that permit the email. It is your statutory legal right to have any info regarding your financial circumstances in writing.

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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They dont normally answer until 3 days before the repayment date. They do this so they can attempt to add on an extra months interest.

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 said the wrong word seq and cant edit it. I meant to say legal right, not stat

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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