Jump to content


  • Tweets

  • Posts

    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
  • 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

Debt/payday loan help


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2466 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

I'm not really sure where to start but I've made some huge mistakes and have got myself into quite a bit of debt.

 

I stupidly took out a payday loan/credit account with safetynet credit- that's where the problem started.

I took it out when I wasn't working and each month they upped the limit until I couldn't afford to pay it back each month.

So now I owe the £1000 + the interest is adding up.

 

I also have a loan of £500 with pfp which I am paying back at £50 a month.

 

2 credit cards with capital one with a total of £1000 which I am behind with one payment.

 

2 store cards with very and littlewoods which have a total of £900 on them- I'm up to date with those payments.

 

I'm somehow managing to just about keep my head above water but each month it gets harder.

 

 

I've thought about a dmp but I'm worried that they will default me and I will have to wait years for them to go off my credit file

- I know this might sound silly given my current situation

but believe it or not, up until last year I was relatively debt free,

had spent years putting my life right and getting defaults removed etc.

 

I just don't know when it will end,

I have 3 children,

one who is disabled

and Every month with bills on top of the debts are crippling me.

 

I don't know what I'm asking for really.

Just had to write down my problems somewhere.

Link to post
Share on other sites

Time to go read :)

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=68285

 

Its a great point that you have finally realised that you need help with your current situation.

 

Start by reading the above and we can go from there.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

What do you have as an income?

 

NONE of these loans, cards or store cards are priority debts.

 

Please ensure you pay your rent/mortgage and all priority debts first before you pay these vultures.

 

Have you done your own I&E form?

 

Have you told them, ''in writing'' that you're having financial difficulties?

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!

 

 

Link to post
Share on other sites

Thankyou I will go and have a read.

 

Luckily my husband pays the mortgage and council tax so at least that isn't a concern.

 

Income wise, I earn £110 a week, which in reality is about £80 as I have to pay fuel costs.

I also get carers allowance for caring for my disabled son and also DLA HRC LRM for him too.

 

I haven't informed these companies of my financial problems.

 

 

To be honest I've only really just admitted to myself that there is a problem today as safetynet made a card withdrawal and cleared my account this morning..

 

 

.I guess you could say it is a kick up the bum to sort stuff out.

Link to post
Share on other sites

Then you might like to inform your creditors that you are in financial difficulty, and can they assist you.

 

Do this IN WRITING not over the phone, as you'll need their response written down, they all talk the talk, about informing them at the earliest if you're having difficulties meeting payments, but the truth of the matter is, most of them couldn't care less, and demand you pay them what they want.

 

You might also like to open another account, with a separate banking group.

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!

 

 

Link to post
Share on other sites

you need to ring you bank up and cancel the CPA's and stop these fleecers raiding you bank account

go GET THAT MONEY BACK.

 

 

smells to me like you might need to investigate irresponsible lending claims too.

is this your only PDL?

is you credit file already shot?

if so they shouldnt be lending to you

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

Thanks. I will write to them all on Monday.

 

I have one late payment on my credit file (Capital one) but everything else is up to date other than a settled default which is about to come off my file.

 

I have requested a new card from my bank, will that not suffice in stopping them taking a card payment?

 

 

I know I only have myself to blame, but safetynet didn't help things, 2 months ago I had a limit of £700, I maxed it out and was late paying,

 

 

I logged on a few weeks later to see the huge interest added and that they had upped my limit to £1100.

 

 

Certainly don't help things

Link to post
Share on other sites

no cancelling the card doesn't stop CPA go ring your bank now and cancel all of the CPA's

 

 

sadly I don't think you are going to prevent your credit file being trashed whichever way you go.

 

 

might pay you as advised earlier

pop off the the post office site or the co-op site and open a new bank account

get you income paid into a parachute account that no-one has any access too bar YOU.

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,

[removed]

 

Ive had over £3,000 back in payday loans because of irresponsible lending.

So it might be worth you giving it a try to get yourself out of the horrible situation you are in.

 

I also have a PPI claim agaisnt Shop Direct (littlewoods) and a claim agaisnt them for irresponsible lending. 2009-2014. Also trying capitalone.

 

[removed]

Link to post
Share on other sites

please read our rules about external sites

 

 

we have our own guides here already

thank you

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

bad advice all over that site too but there we go.

 

 

FMoTL rubbish attracts flies.

 

 

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...