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    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Jacamo problems


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Hi last november i lost my job since then i have only been paying reduced payments on my jacamo more than i can actually afford...Now we have had a letter stating recovery action will be taken against us unless we pay £566 and then £145 per month until it is paid off.. we are in a right state as since Christmas we have been with hardly any money and have had too use a food bank which we stated too jacamo but the threats continue.. we have been looking into a debt relief order as we have two other debts which was actually happy to accept lower payments for 6 months when i hope i will be back on my feet again...

 

thanks for reading and any advice would be greatful

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Hi

When you got into financial difficulties, did you inform Jacamo of the fact. As they are threatening court action you could complain (in writing) that you are feeling threatened and harassed by their letters.

Include with your letter a basic income and expenditure form to show them what you have and make an offer which you can afford. If that is £1, well tough.

 

was the letter from Jacamo or their debt department or another agent?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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then tell them that you can afford (say) £5 a month and that is what you are paying until things improve. They wont take you to court because the most a judge will order you to pay is probably the same or less than your offer.

If they want to use debt collecotrs to harass you then you will find that you have a change of circumstances and the most you can now afford is £1 a month

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Most definitely keep everything in writing from now on, and keep a diary of events also.

 

If they ring, laugh and hang up, repeat the process.

 

Their letters are purely psychological rather than actual, once that is realised they cease to have any effect or substance.

If they want to farm it out to a powerless debt collection agency, then more fool them as your payments will drop to the legal minimum of £1 a month for the life of the debt.

 

If what you're paying them now is not affordable, then STOP!

 

ONLY pay what you can realistically and comfortably afford to pay, this is NOT a priority debt, so can only ever attract the minimum token payment of £1 a month if it needs be.

 

Do your own I&E form, and work out what, if any, disposable income you have to pay towards your debts.

Can you list your other debts please and outstanding balance?

 

Has Jacomo added any fees/charges to the account? Are they still adding interest?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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hi thanks for the help yes they are still adding interest, so basically I should just pay £5 a month and the only way they can come after me is if they go too court to go for a ccj

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You need to tell them to stop adding interest and charges, otherwise it is completely pointless in even paying them anything more than £1 a month.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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