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    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
    • 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 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  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' 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?
    • 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    
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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.
      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.

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      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
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Mini Credit ....Please advise?


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I have been stupid but trying to sort a repayment plan with them. I am not due to pay until the 1st April, but this is the response I got. I am sure adding 60 days interst is wrong. Can someone please advise me

 

 

 

 

A MiniCredit Hardship Department member has replied to your application, #221624 with the following response:

 

The following e-mail is sent according to the Formal Hardship Procedure.

 

 

 

Our hardship team has tried to contact You over the past few days, unfortunately we were unable to reach You by the registered mobile number. After assessing Your account details we are able to propose two payment options.

 

 

 

The first option is a settlement plan for £683.20. You would need to make at least one payment a month towards the balance and clear the debt by the 30th of July 2014. Choosing this option means that no default will be marked on Your credit reference file. The settlement plan balance consists of:

 

1. Original due date balance £409.20

 

2. Overdue charges £40.00

 

3. Interest for 60 days £234.00

 

 

 

The second option is a long term payment plan for £733.20. Choosing this option means that a default will be marked on Your credit reference file, but You will be able to make payments during a longer period of time. Depending on the monthly payment that You can afford the plan will be administrated either by us directly or by our debt recovery partners. The payment plan balance consists of:

 

1. Original due date balance £409.20

 

2. Overdue charges £40.00

 

3. Interest for 60 days £234.00

 

4. Debt recovery fee £50.00

 

The contractual interest rate is 1.3% of the principal per day from the date of issuing until the 60th day after the chosen due date. The above described overdue charges and interest are in accordance with the Loan Agreement.

 

 

 

Please let us know what You decide considering the above latest by the 1st of April 2014. If no response is received by then we will forward Your account to our debt collection partners with default balance.

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Typical reply from minimuppets. They can clearly see you are in difficulty but still try and add on various fees.

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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Following an email I sent yesterday, they have sent me back an offer of £40 per month payment over a number of months but this is including the £234.00 interest charge as a goodwill gesture they have deducted the £50 default fee.

 

I have sent them an email back with my contract attached and asked them to point out on the contract where they can charge me the 60 days interest. I have also said I will seek legal advise, they also won't give me there bank details payment by UKASH or debit card.

 

Can anyone suggest anything else that I can do

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There licence is "minded to revoke"!

 

I wonder if their deadline is because of the transfer to the FCA

 

Those fees are awful and I am guessing are also wrong. How much did you borrow and receive?

 

I suspect they are going to have their licence revoked at some point soon , the loan sold on to a third party and a nice little discount offered. However that is just my guess. All depends how much a default on your credit file worries you.

 

When I was having issues with them it seemed that people were getting a better service once it went to debt recovery. I have not heard from them since about sept 2012 . Funny thing was they claimed i owed them about £1200 but only entered £700 as the default balance

Any opinion I give is from personal experience .

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Minicredit probably know that they will get closed down soon. So they are doing anything and everything to get as much money as they can before it happens.

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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