Jump to content


  • Tweets

  • Posts

    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
  • Recommended Topics

  • 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
        • Like
  • Recommended Topics

KPR, Discountoffer on Outstanding Pers Loan Balance 'without Prejudice'


Bezant
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3578 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello and many thanks for this very helpful forum,

 

Ive been reading around for a few days on here but cant see something that I can directly relate to,

so I'm hoping that someone can point me in the right direction of what to do.

 

Situation

 

I have 3 outstanding debts with various lenders all of which I have negotiated a £1 per month payment.

 

I'm a job seeker and I'm also attempting to get my own business up and running

- No income from this as yet so I'm just on the basic JSA

- but also poss looking to move to tax credits (or the equivalent of).

 

One company Nationwide have appointed KPR to as they quote 'your account which has been passed to us to recover the outstanding debt'

Amount £7500 - Date of letter 7th March - received regular post 11th March 2014.

 

Now, my agreement for the £1 per month with Nationwide is approx 12 months old

and KPR have been calling and writing to me for 6 month prior to receiving this letter,.

. Ive never entered into any conversations or correspondence with KPR over this matter.

 

I also haven't entered into any correspondence with Nationwide since this arrangement was set up.

 

The letter from KPR going on to say call us immediately to discuss what discount is available to

- 'settle the debt by paying a significantly reduced one off discounted sum.

 

I'm lost to what my response to this should be?

 

Any help would be very gratefully received.

Link to post
Share on other sites

KPR are nationwide in house dca.

 

if they are offering a discount

then something is WRONG with the debt

 

PPI?

 

PENALTY charges?

 

you have ofcourse done the obv with all your debts...

 

and that's sent a CCA request?

 

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... 

Link to post
Share on other sites

Hi Bezant

 

Do you know the rough breakdown of charges etc on the account?

Discounts can sometimes mean something is wrong with the debt... But it can also be a double edged sword.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Hi Bezant

 

Do you know the rough breakdown of charges etc on the account?

Discounts can sometimes mean something is wrong with the debt... But it can also be a double edged sword.

 

 

I don't know of any charges - no correspondence on this matter.

Link to post
Share on other sites

what's the account type :card?

 

tell us the history

 

is this on your credit file?

 

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... 

Link to post
Share on other sites

Its a personal loan that I took out in 2012,

Had an arrangement for 12 months £1 per month

KPR, stated contacting me 6 months ago wanting more

Ive not entered any communication with either nationwide or KPR in the year since ive been paying the £1per month

I'm sorry I don't know about my credit file as Ive not got an up to day version of it.

 

What else do you need to know?

Link to post
Share on other sites

I have two accounts with Nationwide

 

The personal loan as above for £7500 - they have it marked up as late payment for 6 months late (for 8 months) then last month down as default. From my credit file looks like £50 per month was added for 4 months in the early stages of late payment. Account since 9/2011

 

The Credit card - £3800 (not referred to in the letter) marked up as 6 month late payment (for 7 months) then 4 months default. - I'm guessing this will be about the time they handed it over to KPR department. with one £50 charge added the 2nd month of default. Account since 8/2011

 

Both will have been signed up for online.

Edited by Bezant
Link to post
Share on other sites

id be send NW an sar.

 

not got PPI on these have you?

 

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... 

Link to post
Share on other sites

one sar is all that's needed.

 

something not right there.

 

KPR/NW don't offer discounts

 

I wonder whats up/

 

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... 

Link to post
Share on other sites

KPR ARE NW

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... 

Link to post
Share on other sites

  • 1 month later...

look for fixed sum penalty fees

 

PPI?

 

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... 

Link to post
Share on other sites

  • 2 months later...

I have a similar problem to this with a Nationwide credit card for £8200. Not sure about PPI but K.P.R. sent the letter offering a discount with a 7 day response time on 20/06 but I didn't receive the letter until 10/07. I also have a letter from credit management informing me of a charging order if I don't up my payments to pay off the debt in 60 months.

Link to post
Share on other sites

I have a similar problem to this with a Nationwide credit card for £8200. Not sure about PPI but K.P.R. sent the letter offering a discount with a 7 day response time on 20/06 but I didn't receive the letter until 10/07. I also have a letter from credit management informing me of a charging order if I don't up my payments to pay off the debt in 60 months.

 

yu need to start a new thread

 

of your own.

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...