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    • I did call student loans and they don't have any record of anything and no details were coming up with the old Student Loans reference number. They were the ones who told me that the loan would have been taken over by Erudia and asked me to call them instead.
    • yes when you get your N180 from the court. on the sols copy omit phone/sig/email.
    • you dont need a copy of the letter. just proof. it might pay you to sar SLC as if they had your correct address on record before loan sales to erudio , that will add another very strong string to your bow toward setting aside this backdoor CCJ and the arrows you'll fire at Arrows (Erudio are arrows DCA in sheeps clothing)   you also might like many others find that you still have access to the online SLC portal. that could be useful with info. like deferral dates etc and address and what they knew and when.   at present you are in the info gathering stage, the more of that you can get the better.
    • IMHO i would never have a DD setup for any consumer credit debt. they are not a priority, like mortgage/rent/CTAX/Gas/Electric.   this gives you a bit more work to do, but it ensures there is always money for the priority things that can threaten the roof over your head or it's the necessary home utils needed with one.   it's also worthy to note that somethings that are unconscious priorities (though NOT!) like mobiles/phone/digital tv and broadband etc DD's often contribute to the real priorities not being paid. careful management of those needs to be exercised, like moving their payment dates to after the priorities are deal with in your calendar, or vice versa move the priorities to before those come out.   it is stunningly amazing how many families fall into priority bill debts by blindly pay these 'mentally essential luxury gadget' bills and are in total ignorance of the effect they have upon their available funds as 'they can't live without them'.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Got to love them.

Daughters boyfriend just received a NTK for staying to long in a petrol station.


The car was there but wouldn't start after filling up with petrol - I know because I had to go and get it started.


The wording is brilliant!


I will going down there to check signage and also speak to the garage staff to try to get it rescinded as they will be able to check CCTV - don't hold much hope.


First time i've heard about ANPR in a petrol station!

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Not the first time I'm afraid. I have seen a couple of threads here. This one may just be the one you need.






It can be quiet on the weekend but hold fire for more advice.



In the meantime, can you fill this in please.




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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Now staff at petrol station wont have any say in this so you need to attack the owners of the franchise first. request CCTV and if they say they havent got it then ask who gave permission to destroy it? Use pen and paper after initial enquiry so they cant wriggle

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Been into the petrol station twice and phoned twice to get hold of the manager but no luck as yet. Going back in today. NTK attached.


1 Date of the infringement - 01/11/18


2 Date on the NTK 07/11/18


3 Date received 08/11/18


4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Y


5 Is there any photographic evidence of the event? just number plate


6 Have you appealed? {y/n?] N

Have you had a response? [Y/N?] N/A


7 Who is the parking company? Euro Car PArks


8. Where exactly BP Petrol Garage, Romford


euro car parks ntk_0002.jpg

euro car parks ntk_0001.jpg

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I have unapproved your images as you have left in the car reg. Can you remove that and repost.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I'm assuming this is the site in question.






I notice there is a sign directly in front of the entrance however, it isn't lit so at the time you visited, it's likely that it was dark so could not be seen. At the other entry, there is a sign on the wall but again, unlit. As far as I can tell, there is only one other sign on the lamp post which is lit but the fact that the other signs are unlit, it would be reasonable not to look for this sign as the other two are basically in places where car headlights cannot illuminate.



It's definitely worth visiting again to take pictures of the signs. (better done in the dark too)



The one good thing about ECP is that they rarely do court having taken a total of one case this year.




If any appeal is thought of, never state who the driver was and use the fact that the car wouldn't start as mitigation. They will reject any appeal out of hand but they must give a POPLA code to go for independent appeal and this is where the lack of visible signage can be argued.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thats the garage. The sign in the picture now has another sign below it. I have a pic on my phone so will upload and also take pics at night. The sign on the wall at the other side of the garage you would not see as you turn in as it would not be in your eyeline.

Just a question, why would you not mention the car wouldn't start in any appeal. Petrol was put in a pump 7 and then would not start. I had to go down to push car from forecourt then jump start.


amended pic below


euro car parks ntk_0001.jpg

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You need to get on to Motor Fuel Group, who own the MRH brand. They are based in St Albans, 3 named directors so look them up and email them.


You could try phoning their head office and complain about this and point out that threre was no parking event and that the staff at the store have been unhelpful to say the least They are often eihter managed or franchised so bad publicity will damage their brand.



As MFG took over MRH the parking co may not have a valid contract anyway but that isnt always a given as agreements can be transferred with other liabilites.

Ask whoever you speak to about the planning permission for the parkingcowboys sigange and point out that if they do decide to sue son in law that they will be named as co-defendants.

Let them know that your SiL will be making a SAR for the CCTV footage so they ahd better tell that station to keep it or more trouble over the horizon.

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