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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • 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.  
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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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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MMF & Swift Sterling / MrLender


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Hi,

 

I've been looking over the forum and though it may be worth asking some advice here.

 

I'm currently trying to resolve my debts and clear my credit file, I know i have outstanding PDL's with a couple of companies from back in 2013 when i was in a particularly bad place. A couple of the companies have since written the debt off, but a few still remain with the likes of MMF.

 

Upon reviewing my file today i found a default for the tidy sum of £22 with MMF, I (stupidly) contacted them about resolving this debt. They then proceeded to list off 6 accounts totalling cira £1500 in monies owed 5 to swift sterling and 1 to Mr Lender. None of which were for the £22 listed on my credit file and i need to contact their Credit File Queries team.

 

I would be willing to settle these if they were remotely close to the original agreement or the value of the offer i made that SS rejected, but there is about £800/900 of interest/charges here. I'm quite concerned now that they are going to add an additional 6 defaults to my file, destroying everything i have done for the past 3 years to build it back up.

 

I have seen from past posts that people have written directly to Swift Sterling to resolve / bring back dept from MMF. is this an option?

 

Any advice would be greatly appreciated.

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Hello, welcome to CAG.

 

Paying these 'debts' off will NOT improve your credit file, regardless of what MMF might have told you!

 

Do nothing other than wait for MMF to send you their begging letters, and try and get as much information together as you're able, regarding who the original creditor was, if needs be you could send them a SAR to get all of the information regarding the accounts.

 

Then go about reclaiming any penalty fees and charges that have been added.

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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