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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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Dodgy advertising contract issue


CazD72
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I am sole trader beauty therapist who was approached by what I thought was a local doctors surgery rep offering advertising on the back of appointment cards.

 

I agreed to meet with the sales rep who was acting on behalf of the Leisure Medical company handling the advertising and he came to meet Me at my home.

 

The advertising seemed like a good deal at £295 for 2 years advertising & with over 2000 cards being printed I agreed.

 

The rep filled out an order form/contract which was attached to his business folder/notepad.

The spring clip covering the wording “This is a minimum Two Year Agreement subject to the terms & conditions herein”

 

The sales guy was ‘lovely’

talked me though what happens next

that I would receive full details through the post.

 

I duly signed for £295 & paid £156 deposit by debit card.

 

Now the sales guy filled his name and signed and I was handed a folded piece of yellow paper (my copy) in 4 with a paper clipped business card attached to ‘keep safe’.

 

A couple of days later I noticed the deposit had been taken yet no correspondence from the company,

 

I emailed the email address saying I had not heard from them.

 

A week or so later I received artwork.

 

A few days after that I got a letter from my bank saying they couldn’t set up he standin order as the collection was infrequent, and this rang alarm bells!

 

Next day I get a letter from this company Leisure Medical saying they couldn’t collect

 

Payment £156 was due in 7 days.

 

I didn’t like the tone of the letter

 

I called them & was told you signed a contract you’ve got to pay up and I owed £156 immediately plus another instalment of £156 plus £95+ VAT!

This was not the £295 on the contract!

 

I dug put the paperwork only to Find there was a whole list of T & Cs on the back that I was not shown and was deliberately kept from seeing!

There was also £195 faintly added on which was not on the contract when I signed

I think the sales rep added this on when adding his signature.

 

Ive since stopped any debit card payments from being taken and googled the company only to feel Sick to my stomach that there have bad review after bad review saying they’ve conned people, they change the amount etc. etc.

 

My question is

although I’ve signed a contract business to business

do I have any consumer rights as

 

A) it was signed in my home &

B) I’m a sole trader beauty therapist.

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ah oldest sc@m in the book.

 

several threads about like companies pulling the same advertising stunts here in general retail.

 

pers id simply ignore them.

 

don't forget any stupid DCA they get onto you are NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

 

did you get all your moneyback?

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... 

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No, I’ve only just realised what this company is all about after doing some digging past few days after alarm bells rang.

 

I feel sick with worry but not sure what to do. Is ignoring me way forward? There are literally loads of posts on lots of different forums hat have been sc@med by them! I’m just worried as Trading Standards day if you’ve aimed a contract it’s legally binding

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go do a chargeback

ring you bank

https://www.consumeractiongroup.co.uk/forum/showthread.php?473624-Section-75-and-Charge-Back..-gt-Whats-the-difference-and-how-to-utilise-them [see post 2 here]

 

get that money back

don't worry about the signing of the contract

you were done over

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... 

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It is your word against theirs regarding the agreement made.

No consumer protection.

 

However,

as they have a track record of being less than honest it is unlikely that they will do much to pursue this and be happy to keep the money they have already as it is money for nothing.

 

For the future determine your own marketing solutions and put the phone down on anyone who calls you.

 

I got caught out when I first started looking for places to advertise by a company that promised me the ad would be seen by hundreds of thousands of people when in reality it would only ever be seen by about a dozen.

That was a cold call.

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