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    • Hello all, I borrowed a family member's car to attend a flat viewing. The viewing was at 17:00 on Thurs 17th June 2021(I have email to confirm this) so I was a little early as was the estate agent. I initially couldn't have been longer than 20-25 minutes before returning to the car and waiting, as the estate agent had to return to the office to obtain the correct key. I waited in the car for a approximtely 15 mins (after after the photos were taken) and then had the full viewing. The land is in a private, gated development. I received the attached PCN (Parking Charge Notice) today on Wed 23rd June 2021. It's hard to work out, but the 2 photos were taken at 16:59:08 and 16:59:40. I believe the photo was taken by someone on foot/Moped - Please help!   1 Date of the infringement Thursday 17th June 2021 [17:23]   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 19th June 2021   3 Date received Wednesday 23rd June 2021   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?  No   Have you had a response? not applicable   7 Who is the parking company? UKCPM   8. Where exactly Heritage Walk, Brentford, London, TW8 0RN   For either option, does it say which appeals body they operate under. ISA     UKCPM PCN.pdf
    • Shall I send their witness statement to you?    I'm very flattered by what you say, I've no legal experience at all, I researched the Internet and just spoke the truth.    You've made me feel very confident, thank you!    I've sent their Witness Statement and N244
    • Hi.   You need to put your pdf docs into a multi-page file please, or people will be here forever downloading - or give up. Our upload guide will help you.   I expect people will be along to advise later.   HB
    • This is submitted by My Father with my full permission     Diary of Sweden 2019 to date Last update 23/06/2021   Document list: Letter from Transport Styrelsen 290519 Letter to Transport Styrelsen 141220 Certificate from Kronofogden sent 150520 received 130221 Essex magistrates letter 120221 Documents received 130221 in Swedish Letter from Kronofogden sent 150520 received 130221 Letter from Kronofogden 150321 Letter with new hearing date 060421 Notes on appearing in court Swedish translation   Data between inverted commas is file name   15th May 2019 I was stopped at the border having arrived from Denmark. I was several hours behind other drivers in our convoy of articulated trucks You need to add what happened to you include tests and results where you were taken how long held what they did with truck including damage when they moved it. Did they speak to you in English at all times, was their English understandable, was any paperwork translated into an English hard copy, were you given option of having English translations When were you released including taking you licence away. Did they offer any assistance? Were you offered the assistance of a legal representative and legal aid.     The only part in the English Language is “Letter from Transport Styrelsen 290519” and that was about 5 lines on the second page saying I could send a statement to not lose my driving licence rights in Sweden All other paperwork sent to Chelmsford address is in Swedish only so no idea what the charges were and I was not at any stage offered the services of a translator. The “Essex magistrates letter of 120221” point 6 says I was offered the chance of a reply. That was only true if I could speak Swedish. I have tried running all the paperwork sent to me through a translator and it makes no sense whatever.   The statement they have sent to court Documents received 130221 in Swedish are wrong, I was not given the right to reply, just said I could make a statement about retaining my right to drive in Sweden. This was the only opportunity I had to defend myself. In the “Letter from Kronofogden sent 150520 received 130221” sent with the Essex Magistrates letters was dated 15/05/2020 is that now out of date for action, also that’s in English so there is no excuse for other documentation not to be in English Kronofogden states that no letters were returned to them, this is not true as my father sent at least two of them back as Not at this address as I have moved twice since this incident In the “Certificate from Kronofogden sent 150520 received 130221” it states I was Drunk driving, that is not true as I was breathalysed and that read completely clean, I was not given results of blood and urine tests. The Certificate does not split up the fines for the two offences, only the fine and the Sum of money to the Public Fund. On the European framework list that was sent to me in document "Essex magistrates letter 120221" and also the Certificate the only offence was 34. Smuggling of goods. Drunk driving was not one of the offences to be included on the list, therefore I should not have to pay the full amount and as the amounts only show total for fines and not each offence separately I should not have to pay total amount I should only pay the fine for the offence of smuggling. As they have not itemised fines then this should be dismissed. If not please ask for time to pay after looking at my financial statement.   11th May 2021 Attended magistrates court with my father who had much of the information and understanding of the correspondence. He was stopped at the entrance and refused entry, they then ushered me in straight up to wait outside the courtroom so I could not get the information from my Father. This was stated as Covid rules; the legal people arrived and just walked through with no questions asked. One Paralegal (who happened to be black) was stopped and refused entry even though she arrived with her client, there was a huge argument and the Court manager was requested by the paralegal. This is not the way to give justice to people. In the “Certificate from Kronofogden sent 150520 received 130221” it states I was Drunk driving, that is not true as I was breathalysed and that read completely clean, I was not given results of blood and urine tests. The Certificate does not split up the fines for the two offences, only the fine and the Sum of money to the Public Fund. On the European framework list that was sent to me in document "Essex magistrates letter 120221" and also the Certificate the only offence was 34. Smuggling of goods. Drunk driving was not one of the offences to be included on the list, therefore I should not have to pay the full amount and as the amounts only show total for fines and not each offence separately I should not have to pay total amount I should only pay the fine for the offence of smuggling. As they have not itemised fines then this should be dismissed. The Magistrate stated that they were not concerned with original case where the fine was given only this one, so judgement was given against me. They said the judgement would be sent to me   To present: I have up to present not received a copy of the judgement I have had three copies of further action sent to me, one at my old address and when I informed them again (as I did in court} they sent another two copies of the further action letter to me.    
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Warranty Direct wont let son cancel


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Can anyone advise please?

 

 

My son bought a new(ish) car last year with a loan from the Nat West

 

 

after spending so much on it (7k) decided to buy a warranty from a company called Warranty Direct to cover various parts on it.

 

 

However, he was made redundant not long after he purchased the car.

 

 

Shortly before he was due to make the next payment to Warranty Direct

- the payments were once every three months

- he telephoned and cancelled as he could not afford to continue the payments,

as he was still within the cover period from the first payment we thought that would be ok.

they told him that it was a continuing policy and you had to pay for the year, no matter what.

 

 

I spoke to them and said look he hadn't got the money to pay for the car and that if that was the case he wouldn't be able to afford the warranty.

That the policy was terminated by the customer and no further cover required.

 

 

He had a couple of letters since last June, but as each one seemed to drop in price we ignored them

- they wanted £270 to start with , then £180, then £78.75 in the last letter which came from P&J Debt Collection Services.

At this point I sent them the request for copy of credit agreement, with the £1 fee.

 

 

They replied quite quickly stating that " our client informs us that they are confident that you have no grounds to dispute the above account

as they have telephone recordings with yourself which advises that you could not afford to continue with the policy.

 

 

Our client has charged you for two months cover plus a £50 cancellation fee as per their terms.

 

 

In reference to your request for a copy of the credit agreement in this case our client does not hold a signed agreement

as you instructed them verbally for their services.

 

 

This can be confirmed with the recordings of telephone calls which took place.

Therefore please find your PO payment for £1 as this does not apply in this instance.

 

 

in view for the situation we are instructed to continue action for recovery forthwith.

I must inform you that unless payment is received in the next fourteen days we will advise our client to issue a court claim wthout further notice or delay.

the claim would be for the above amount plus legal costs or court fees."

 

 

Does anyone have any advice for him.

 

 

He managed to get the bank to help with the repayments and has got a job as a cook at a local hospital

and has managed to keep the car.

But doesn't have any spare money at the moment.

 

 

don't want him to have a bad credit record or be dragged to court.

 

 

Thanks in anticipation for your help!

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any additional warranty is a waste of time and money

there are so many clauses they never cough up anyway.

 

 

I 've not seen these people ever do court.

 

 

its a typical DCA threat.

 

 

they are not BAILIFFs

 

 

and have NO SUCH LEGAL POWERS..

 

 

 

 

don't think they report to the CRA's either.

 

 

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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