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    • Yes, I don't think there is any downside to doing this. If they decline then you can say that in your witness statement
    • Ok! Do you still want me to work on that letter you discussed above in post #26?
    • Thank you for posting up the required details and well done for apparently not revealing the identity of the driver. I am assuming you are the keeper? The depth of ignorance of the parking companies is absolutely amazing. The Protection of Freedoms Act 2012 Schedule 4 is the law relating to private parking and allows those rogues to be able to transfer the charge from the driver [whose name they do not know] to the keeper after 28 days . This is dependent on them complying with the Act. So many of the don't and Alliance is no different. It would help if we could see what you appeal was and to post the back of the PCN as it is lacking so much of the wording necessary to make it compliant so that in your case only the driver is liable to pay the charge. And of course just entering the ANPR arrival times means that they have failed to specify the parking time which is a requirement..  Because the car park was so busy you had to drive around for quite a while before finally finding a place to park which is when the parking period may  actually begin. The poor dears at Alliance have not grasped that particular part of the legislation as yet. To be fair the Act has only been in place for 12 years so one must make allowances for their stupidity . We shouldn't really mock them- but it is fun. You weren't to know but the chances of winning an appeal against Alliance and the IPC is around 5%-and that is high for them. If they allow you to cancel they lose the chance of making money and they would have had a field day when you were there with so many people being caught overstaying because of the chaos in trying to find a parking space then trying to pay.  Your snotty letter could go something like this- Dear Cretins, Yes I mean you Alliance. After 12 years one would have thought that even you could produce a compliant PCN. Did you really think I would pay you a penny extra considering the time I wasted trying  to pay with  long queues at the parking machine, then trying to get a signal to call Just Park. On top of that you then had the cheek to ask for an additional £70 for what dubious unspecified pleasure? You must have made a killing that day charging all those motorists for overstaying because the queues to pay were do long and even walking to pay from the over flow parking fields takes time. And yes I did take photos of the non existent signs in the fields so please don't give me the usual rubbish about your signs being clearly visible. Oh yes that £70. Please tell me and the Court whether that charge included VAT and if it did, why am I being charged to pay your vat? I am sure the Judge would look carefully at that as well as the Inland Revenue. The truth is you had no reasonable cause to ask the DVLA for my data given the chaos at your car park and I believe that you therefore breached my GDPR...................... I expect others will give their views as well.          
    • opps this is going to get messy then if they don't refund. you should never keep util accounts in credit.
    • https://www.rac.co.uk/drive/news/motoring-news/new-private-parking-code-to-launch-in-the-uk-later-this-year/ The newly created gov petition 'Immediately Reintroduce Private Parking Code of Practice' is from Stanley Luckhurst, the 85-year-old old Excel Parking took to court. Excel lost the case and the pensioner's been campaigning for regulation of PPCs since this unpleasant experience. https://www.bucksfreepress.co.uk/news/24085471.gerrards-cross-pensioner-takes-nightmarish-private-parking/ I would urge anyone on this forum who supports the petition statement "We believe the private parking industry is trending toward anarchy and must be brought to order by re-launching the Government Code immediately" to sign and share it. 168 signings at 4pm today https://petition.parliament.uk/petitions/660922 If the gov new parking code is not launched before parliament dissolves (for the general election) then the legislation is at great risk of being shelved. And we'll be stuck with ATAs new joint code which does not address motorists issues such as a cap on parking charges, debt recovery or an independent appeal process.  https://www.parliament.uk/site-information/glossary/wash-up/
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Payday Loan Nightmare


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Haven't been on this forum for ages (years) but so helpful.

 

For the last 14 months I have been living in a vicious cycle of pay day loans. Not just pay day loans but unsecured high interest loan from 118 money. I am trying desperately to sort my credit rating out and not fall behind with things.

 

I have sent emails to all my pay day lenders asking for a breakdown of my accounts as they can see from Noddle, Experian etc. that they lent me money whilst I still had numerous pay day loans outstanding.

 

I believe having read through endless posts this may well be a case for irresponsible lending? My loan with 118 money is still outstanding but is absolutely astronomical in terms of interest. I borrowed £3000 over 2 years and the interest is front loaded. I asked for a settlement figure and now 10 months after taking it out is still £4000.

 

Could this be a claim for misselling too as they were also more than aware of my outstanding debts.

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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Rascal ... Sorry you were missed.

 

 

Do me a favour.. List all your loans, amounts currently at and check all 3 of your CRAs - See what is where. We could help...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 2 weeks later...

Thank you very much am trying (inbetween working) to log on to Experian, noddle and another and am compiling a table. The data does seem to differ from one CRA to the next. In the meanwhile I have contacted all the payday loan lenders and asked for a break down of my accounts. I will try and finish the table today. Thank you again!

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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This is from my CRAs although I do not think they are necessarily conclusive. The information recorded is obviously proof that I had the loans but it would take a collaboration with my bank accounts to see how they caused me financial hardship.

 

I recently fell into rent arrears due to being completely overstretched, a relative lent me this money and I have paid it back. I fell behind with council tax for which I had bailiffs attend my property.

 

I fell into arrears with my car which I have only just cleared. All the while these people just kept lending and lending me money. The dates may look sporadic but I was literally robbing from Peter to pay Paul and still am although its getting a lot better.

 

I cant believe I was ever stupid enough to fall into the pay day loan trap. I now have them emailing and calling my work regularly if I don't give a minimum payment. The larger ones such as Wonga have been quite good in starting to look at my complaint etc. but the others just appear to be so unscrupulous.

 

 

28/12/2016 Western Circle Limited 200

05/12/2016 Provident Financial 758

04/11/2016 Lending Stream 800

18/10/2016 Uncle Buck 250

20/09/2016 Western Circle Limited 283

02/09/2016 Wonga 620

13/08/2016 Lending Stream 500

28/05/2016 Payday UK 1025

10/05/2016 118 Money 5000

09/04/2016 Payday UK

12/11/2015 Wonga 900

09/10/2015 Wonga

20/09/2015 Wonga 400

28/04/2015 UK Credit Limted 7000

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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Quite a lot of those loans were taken within a short space of time, it is probably not reasonable to expect each lender would have known you had existing loans with other lenders as the CRA's are not always updated that quickly and it depends if you were honest about your outgoings on your affordability forms - did you put into your outgoings the existing loan repayments and lenders? If so, then I would say you MAY have a case for irresponsible lending, if not and you have lied on your application, that's a different matter.

 

Are all of these loans still outstanding?

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No these loans are no longer outstanding. I read somewhere that one of the CRAs works on a real time basis so other lenders can invariably see information from one to another is this not the case?

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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Hi Rascal..

 

Ibe added spacing to your post.

 

Its tough to say if you may get anywhere with this, however ill help how I can.

 

You are correct. Callcredit do have a real time lenders update for HCSTC. It is used by all the major Lenders.

Have you read the CAG PDL guide?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Yes thanks I have read the guide.

 

 

There are a couple of things that stood out with me

- for Payday UK and Wonga from what I can ascertain from my records

- no score was given for subsequent loans to the 1st. i.e. just because I had successfully repaid one they did not rescore me on any of the CRAs to ascertain my credit history,

they lent according to their own sense of affordability.

 

 

Im genuinely not expecting a miracle from this.

If anything it has been an extremely tough lesson for me and one that I most definitely will not repeat.

 

 

In an absolute ideal situation for me it would be to have the information removed from my CRA files rather than any refunds or compensation (which to me are just a bonus).

 

 

My main loans which is outstanding is the 118 money one for which the interest is astronomical.

 

 

Whilst I am managing to meet the monthly repayments it has been at the cost of almost robbing Peter to pay Paul.

 

 

My loan with UK Credit was paid in full after my sister offered to transfer the balance to a 16 month 0% interest free credit card for me on the proviso that when I am in better standing with my own credit

 

 

I will be able to refinance and invariably pay her back but this is on an as and when basis its not urgent.

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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