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    • I agree the sign is ambiguous, and I think you will probably win this, if you fight it all the way. (That's 'probably'!)   The sign must state the hours of no parking, and must be clear. So, the yellow sign says "No stopping 10 - 5am". Logically, that can't be 10am - 5am. So it must be 10pm - 5am. And then logically, it follows on, that you can stop to load after 5am, until 10am. If it means something other than that, it isn't clear.   I don't read any restriction after 10am - which is itself odd, but you have 14 days to decide what to do, so I would start by contacting the Council and asking for a copy of the Parking Order for that location. This will tell you what the true restriction is, and I would not be surprised if it's 10am - 5pm - in which case, the sign is completely faulty and you should win.   In any case, you can make formal representations once the Notice to Owner is issued, and this can be followed by adjudication.   Incidentally, what was the contravention and contravention code printed on the PCN?    
    • Thanks BankFodder The vehicle loses power and starts juddering while being driven. It was diagnosed as the EGR valve. This was repaired. The fault has re-occurred. (Is this enough info?)   I will include offer for him to inspect. Thanks for the heads up. I have use of another vehicle. This one has been off the road since 19/07/2019 and I've no intention of using it.
    • They have sent all the paperwork ie ntk up to lbc with an incorrect spelling of my name. Looks like the person I bought the car off spelled incorrectly hence dvla have an incorrect spelling but I never clicked on beforehand. Firstly I will need to find the log book and contact dvla of the correct spelling. What does this mean for me as far as VCS are concerned? Should I still send the snotty letter? 
    • I would certainly not advise you to use the vehicle on a day-to-day basis. The situation would become extremely complicated in the event of an accident or a vehicle theft or something. These risks are even present if you are merely using the vehicle to take to a repairer and so it would not be advisable there either. In the circumstances it might be better to rely simply on the findings that have been made so far by garages and to leave it there. That seems to me to be a reasonable approach. You could invite elite to inspect the vehicle and in fact you should make that very clear in your letter so that you can demonstrate that you have attempted to be open and cooperative in any way. I think it would be helpful if you posted a bullet point chronology of the defects which have now been identified. By the way, is now scheduled to be posted within the next two or three hours and it will include the tweet handle of Elite so that they will now see that this is being discussed on an open forum.
    • Hello BankFodder. Firstly thanks for your help with this. I do appreciate your candid response. Sorry my post was so long-winded. I am working on a 1050 character precis for the claim form! I only uploaded 2 pdfs in the end. One being the email of rejection. I will use this to send a letter and include 'after which I will sue without further notice' text.   Can I keep using the vehicle after issuing the rejection? I don't want drive it to but would need to limp it to a garage to get assessments and quotes. I would have to borrow the money to get it trailered.   I am 100% seeing this through. I cannot lose this much money. I want to get all the paperwork ready immediately so it can be issued on day 15. I will post the particulars of claim here for checking. Thanks again.
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kokobhu

loan refinance horror

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Hello guys.

 

 

I need some advise on a loan I took out in September 2012.

 

 

The was from a Credit union for £2,000.

 

 

The terms of payment for the loan was very excruciating at £190.00 per month.

 

 

When I enquired I was told it was because of my citizenship but luckily my British citizenship was already in the pipeline

so when it came through a month later I approach them for a lower repayment rate which they agreed to at £70 per month @ 26 months.

 

By the time of refinancing the loan was already down to 1382.03 and

according to the new refinancing terms the total payment will be £1782.03 to be completed by January 2015.

 

 

I have paid from from January 2013 till present making altogether 24 payments of £1680 leaving £102.03 to pay.

 

 

So you can understand my absolute incredulity when I requested for an update on the account

and I was informed that the loan will not as initially mentioned end in January but in June!

the person in charge then said it was a mistake they made in their calculations.

 

 

But by my calculations and statements I don’t see why I should still be paying till June 2015,

it really beats me as to why and neither can they give me any cogent explanation to explain.

 

 

Any advice please as to how to resolve this?

Will be most appreciated..

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Did you count any interest? Was the interest included in the initial amount?

 

In any case you are fully entitled to a itemised breakdown of the lian and any arrears owing.


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 for your response. Yes I was provided one but i can't understand it anyway. I took the loan on the terms stated in the contract/agreement (attached herewith). To the best of my understanding its all included in any payment. i have included here copies of the statement and agreement, just incase I am missing something...

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Can you convert to PDF and edit out personal info and reference numbers. The breakdown I mean.


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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Looks like they're saying the base amount then 1700 after interest etc


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 once again for your response.

 

 

I am afraid that is not what they were saying ( pls check out pdf attached)

the refinanced base figure on the contract is £1382. 03 plus another £400

which I assumed is the interest on top of which as stated on the contract

bring it to 1782.03 to be paid in 26 installments of £70 pm which I have been doing.

 

To date I have paid £1680 which is 24 payments.

leaving just one more payment in January and the 32.03 mentioned in the agreement.

 

 

Paying till June at £70 a month means that the agreement is not 26 payments as stated in black and white on the agreement

and the figure is no longer 1782.03 any more but £2162.00. This is what beats me.

 

The outworking of the agreement as suggested presently as declared by LCCU no longer bears any resemblance to the terms and conditions

under which we agreed.

 

 

I have attached the agreement and its terms and conditions in pdf for your perusal.

 

I am not sure how to go about resolving this..

I will be very grateful for any direction and advice in this matter.

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