Jump to content


  • Tweets

  • Posts

    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
  • 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

Advice Needed Regarding Tesco Loan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3210 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

Hi and thanks in advance.

 

I wondered if anyone could tell me if I am being, or have been, treated fairly with regards to a debt i have been paying off for some time now.

 

I originally took a personal loan of £15k to buy into a business.

It wasn't secured on the house I own, as at the time I was quite credit worthy and didn't expect there to be any problems.

This was just before the recession.

The business that we had worked hard to build up failed.

Sadly my marriage did also.

 

I started to fall behind on my payments and tried to negotiate with Tesco, but was given short shrift.

The people I spoke to made no secret of the fact

that they would proceed with a view of repossesing the property I own with my ex wife,

if their demands were not met.

 

 

The loan agreement was approx £170 per month, but they were demanding over £300 per month at a time when I simply couldn't afford it.

 

 

They then placed a charging order on the property.

 

 

Work for me at the time was sporadic, I am a builder and very little work was taking place at that time.

 

 

I was staying on friends couches etc and paying them everything I could afford.

 

I have religiously made these payment (on average £100 per month) for nearly a decade,

and assumed that the debt would have been reduced significantly.

I was informed that the debt had been frozen when I defaulted

and it was passed to a debt handling company.

 

Over the last couple of years I have worked 7 days a week to build a company up and things have gone well.

I am now in the position to be able to face some of the demons of the past

and so requested a breakdown of whatever debt was still outstanding from Tesco.

 

 

You can probably guess the next bit.

They have been charging interest ( I think at 5.9% PA) for the entire duration since I defaulted. I was staggered.

I assumed that it would have been down to a nominal figure.

 

 

I haven't spoken to anyone including Tesco, or the various companies that have pursued the debt on their behalf.

I wanted to find out as much as I could before I did so.

 

I am hoping I have some form of case here.

The irony is now I can actually afford to pay the figure off in full immediately.

It's just that they categorically informed me that the debt had been frozen when the account went into arrears.

 

I am happy to supply as much information as I have if needed. Any help with this would be greatly appreciated.

 

I have used CAG in the past to help a friend who was threatened with having her home repossessed.

The outcome was.......She is still happily living there!

 

Thanks for reading.

 

Gary

Link to post
Share on other sites

when was the charging order, was there an instalment order re the judgment?

what was the judgment, what did they claim. presume an amount plus statutory interest?

Link to post
Share on other sites

you indicate this has been passed around sibce rthe CCJ/CO?

who got the CCJ

who got the CO?

 

 

if its been passed around, sadly this smacks of you being cash cowed

esp if its been passed around between DCA's

 

 

has who you were ordered to pay stayed the same since the CCJ/CO was granted...I fear not.

 

 

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 Dx,

 

Thanks for the reply. I believe it was brought by Tesco originally, but will get back to you on that. It has been handled by a couple of companies/solicitors one was Incasso, another Shoosmiths.

Link to post
Share on other sites

you should only be paying the claimant or their named sols

 

 

oh dear those names are rather suspect in these cases.

 

 

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 dx,

 

Sol=solicitor?

 

Excuse my ignorance. I think I have a fair bit to learn on here before I proceed with whatever course of action deemed sensible.

 

One thing I can tell you is I am up for a fight :-)

Link to post
Share on other sites

well info gathering is your main task for now.

 

 

sar to Tesco wouldn't hurt either.

 

 

are you SURE it was Tesco that took you to court

not a debt buyer/DCA?

 

 

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

click the sar link

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...