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    • 1. BREAKDOWN OF LOAN Amount of Loan : £20,000.00 Loan Terms : 10 Years Monthly Repayments : £230.00 A.P.R (interest %) : 6.35% (FIXED) Note: - We want to confirm you that your loan amount is completely approved by our company for the amount of £20,000.00.So,for you to get this loan sorted you have to go through a credibility check and you are requested to pay your first month installment in advance which is for the month of March. Your second monthly installment will be due in month of April by direct debit. Once you can make the payment of £230.00, you will receive the loan amount of £20,000.00 in your bank account within 45 minutes. 2. RESPONSIBILITY Although this agreement may be signed below by more than one person, Borrower understands that we are each as individual responsible for paying back the full amount. 3. REPAYMENT The Borrower will pay every month through direct debit. There would direct debit mandate which we will ask the customer to sign. Borrower will repay the amount of this loan in equal uninterrupted monthly installments. 4. PREPAYMENT Borrower has the right to prepay the whole outstanding amount at any time. If borrower does, or if this loan is refinanced – that is, replaced by a new note – Lender will refund the unearned finance charge. 5. LATE CHARGE Any installment not paid within 7 days of its due date shall be subject to a late charge of 0.9% of the  6. DEFAULT If for any reason Borrower fails to make any payment on time, Borrower shall be in default. The Lender can then demand immediate payment on the entire remaining unpaid balance of this loan, without giving anyone further notices. If borrower has not paid the full amount of the loan when the final payment is due, the Lender will charge in interest on the unpaid balance at 4.5% per year. 7. RIGHT OF OFFSET If this loan becomes past due, the Lender will have the right to pay this loan from any deposit or security Borrower have with this lender without notice to me. If the Lender gives me an extension of time to pay this loan, Borrower still must repay the entire loan. *Note: The Annual per Rate (A.P.R) mention above will remain unchanged entire the loans terms. “Terms and Conditions” CENTRAL LOAN aim to ensure all information as maintain is: ◦current ◦fit for the purpose intended ◦complete ◦accurate CENTRAL LOAN provide two services to the customer: •We can transfer the loan amount in customer’s account •We can fix an appointment with the customer to deliver the loan amount at customer’s place in few cases (Fee may include). These terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts. DATA PROTECTION: We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both Best Loans and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the CENTRAL LOAN group or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the Best Tenant Loans group except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you. GOVERNING LAW: The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.     LOAN INFORMATION: All loans are agreements regulated by the Consumer Credit Act 1974, which lays down certain requirements for your protection, which should be complied with when agreements are made. If they were not, the creditor (LOANS) cannot enforce the agreement against you without obtaining a court order. Written quotations are available on request. All lending is subject to appraisal of the applicant's financial status. To apply, you must be at least 18 and a UK resident (excluding the Channel Islands and the Isle of Man). APR details are correct at time of publication. Certain purposes of loan may be excluded or have limited repayment periods. The rate you are offered will depend on credit assessment procedures, your personal circumstances and other related factors. Terms of agreements will be clearly disclosed to you before you sign the agreement. You will agree to pay the Total Amount Payable on the agreement by the installments and at the times stated. If two or more of you sign the agreement as the Borrower, you are liable jointly and severally, that is together as well as separately. If the loan is secured by a Legal Charge over your property, normally your main residential address, you must sign and have witnessed the Legal Charge as a separate document accompanying the agreement. Products and offers are subject to conditions and can be withdrawn without notice. EARLIER PAYMENT OF YOUR LOAN: You have the right to repay your loan at any time during the repayment period by giving notice in writing. To do this, you will need to pay off the amount you owe under your agreement which may be reduced by a rebate (reduction) of part of the interest. RETURN, REFUND AND CANCELLATION POLICY: You have the right to cancel in writing up to 14 working days after the loan has been issued. Should you have already received the loan funds, you will be charged interest on a pro rata basis from the date of issue until funds are cleared in our bank account. You have the right to a refund or return of loan repayments accidentally or unintentionally made to us or collected by us. Refunds will be made as soon as practicable but normally within five working days of us being informed. You have to right to cancel your loan application if the loan amount is not credited or deliver in your bank account or home address then CENTRAL LOAN will refund the amount you paid within 24 working hours* (*Condition Apply) DELIVERY POLICY: Our loan agreement will only come into force when both you and we or our authorized representative have signed it or agree over the phone. When the loan is made we will open an account in your name(s) and debit it with the Total Amount Payable       The loan (Amount of Credit) will be delivered to you by transfer into your bank account, cash or by another mutually agreed method. Once your loan application has been approved “in principle” and subject to our usual underwriting criteria, your loan will be issued within two working hours of receipt of all the required fees. ANNUAL PERCENTAGE RATE: APR is a standard calculation used across the whole UK finance industry. It is a percentage calculation which lets you compare different forms of credit (i.e. loans, mortgages or credit cards) to help you decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking: I hereby certify that all the information given above is true to the best of my knowledge. If any of the above information is found to be incorrect at a later stage, I shall be liable to be disqualified/ refund for the personal loan. Regards BORROWERS SIGNATURE CENTRAL LOAN 1) _______________ 25-27 Surrey Street, Norwich, Norfolk NR13NX, United Kingdom Email: support@centralloan.co.uk Web: www.centralloan.co.uk 2) _________________ Contact Number: - +44-161-5051746       full  load agreement        
    • Ignore...    Wait until you get a Letter of Claim and come back here.
    • I wouldn't just ask them. I would send them an email confirming that the dealer has now agreed to receive the car back and that in view of the fact that they sold the car illegally and also in unsatisfactory condition, they have avoided the contract from the very beginning and therefore all agreements to purchase the car and any related agreements to finance it are now considered void from the outset. Tell them that this is your position and you want it confirmed. If your finance company will not confirm it then you are going to begin an immediate complaint to the financial ombudsman service because they will not be observing their duties under the consumer credit act. I think you need to be very insistent about all of this.
    • Were even if your mother died intestate, there must be some probate and somebody must be administrator. Try and send an SAR And incidentally, the principle is statute barred is a statutory limitation but it is subject to court's discretion
    • I will be contacting both the finance company and the trade centre tomorrow morning myself to make sure I receive written evidence off both parties stating the contract will be getting rolled back.   
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jojonlp

VCS ANPR PCN Claimform - Berkeley Centre, Sheffield, S11 8PN - out of time?

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Hi,

 

I wonder if you could give me some advice about a PCN I have received today. Having seen one of your previous responses I have answered the same questions in order to assist below:

 

 

For PCN's received through the post [ANPR camera capture]

 

please answer the following questions.

 

1 Date of the infringement 30/12/2018 @ 13:59 (Letter calls this contravention date)

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Issue Date 15/1/2019 (it says 'posted' ? in brackets at the side of issue date)

 

3 Date received 17/1/2018

 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No I cannot see this on the PCN

 

5 Is there any photographic evidence of the event? Yes

 

6 Have you appealed? {y/n?] post up your appeal] NO I have not appealed at this stage.

Have you had a response? [Y/N?] post it up

 

7 Who is the parking company? Vehicle Control Services, VCS. (I think the address is 2 Europa Court, Sheffield Business Park, Sheffield S9 1XE

 

8. Where exactly [carpark name and town] Berkeley Centre, Sheffield, S11 8PN

 

For either option, does it say which appeals body they operate under. It says on this PCN that any appeals would be handled by the IAS

 

There are two official bodies, the BPA and the IAS. If you are unsure,

please check HERE- BPA

 

If you have received any other correspondence, please mention it here

 

I have not received any other information but the letter does say that if payment is recieved within 14 days then I could pay £60 instead of th £100 they intend to charge. The letter also says that if I want to appeal I must do so within 14 days.

 

I am not sure whether or not I have any sort of recourse here, it would be great if you could please give me some advice.

 

Many Thanks,

John.

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They cannot transfer liability from the driver to the keeper as they have failed to deliver the Ntk within time in accordance with the Act (search for "The Protections of Freedoms Act 2012"). As long as the identity of the driver is never revealed they have nobody to hold liable. Although they may well try chasing the keeper they can't succeed, providing the keeper doesn't slip up or lose their nerve.

 

I suspect that they know that they are out of time which is why they have issued you a NtK that doesn't mention PoFA, since they usually do. They're just hoping you'll not notice. Let's make sure though - please post up a redacted copy of the Ntk (both sides) and the resident experts will be in to advise you shortly I'm sure.

  • Haha 1

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Theyre out of time with the NTK. The NTK has to be recieved by you within 14 days. Even allowing for new years, its still a day late.

 

also, see if you can grab some photos of the signage at the entrace and exit of the car park, and the car park itself. The signage has to be of specific size AND have specific wording and layout to be compliant.

 

Then theres the whole thing about planning permission for the signs which very few carparks ever have.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Many thanks for your comments.

 

I too thought that they had run out of time and it would be great to hear from anyone else who can confirm this? Attached is the actual letter from 'Vehicle Control Services Limited' hope this helps shed some light on the future steps I should take.

 

 

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thread title updated

forget about it unless or until your receive a letter of claim from their favourite fake/tame paperwork only solicitor.


please don't hit Quote...just type we know what we said earlier..

 

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That confirms, they are not relying on PoFA. They know they have timed-out so have sent their "non-PoFA" letter that states "we may pursue you (the keeper) on the assumption you were the driver". They may well pursue you, they usually do, but my dog used to chase cars too.

 

Reading between the lines - might the driver have input an incorrect registration when paying?

 

The experts will advise further....

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they may say they are pursuing you on an assumption but the law disagrees and that should be enough to go after the DVLA for allowing VCS to access the database on that presumption, it is not a reasonable cause and both parties know it.

However, for the moment just let VCS waste a few bob writing their taradiddles and when they threaten you with court action you write back in no uncertain temrs as to your determination to punish them for their behaviour

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Thanks once again for the replies.

I have now attached the doc as a PDF as was mentioned previously.

However I was not sure how to remove the old copies from the site, could someone please do this on my behalf.

 

From whats being said so far it would appear that they are probably in a weak position because of the fact that they have not adhered to the POFA guidelines, probably because they know they are out of time.

 

I will get a copy of the signage they have and post that up to see if there are any issues with the sign etc.

 

Best Regards,

John.

NTK PCN PDF.pdf

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More than a weak position. They have absolutely zero chance of doing ANYTHING.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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alos look at other thread about the same site, ther is at least one more here so you can compare notes and use each other's info to help yourselves.

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sign isnt a contract as it tells you the contract is on the parking meter.

 

The second image is contradictory, it says no need to display ticket but the little flow chart pictures shows a need to display.

 

Also there appears to be no way to pay the £1 fee for the second hour after or during the free period.

 

This makes the offer of free parking for an hour unture for half of the motorists using the site as it is actually £1 for 2 hours parking with the lack of this subsequent payment.

 

The font size and colour makes my eyes go funny so all in all the actual contract(if the second sign is next to the meter) is contracdictory, confusing and poorly displayed.

 

The real big killer though is the sign say EXCEL PARKING and the other sign referring to this one says VCS.

 

That means if VCS are the managers of the site you cnat be offered a contract by Excel as they have no authority to enforce the conditions other than ask nicely for the quid VCS cnat enforce because of thei inadequate signage and lack of contract on said sign.

 

Typical Simon Renshaw Smith cock up.

Still Will and John at the IPC will have vetted this personally so it shows how unobservant and useless they are

Edited by dx100uk
Spacing

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[

Sounds typical of these sorts of companies, they almost don't care about the rules or the law, they just continue to try and get money out of us under false presences.

 

Here is their latest threat :)

Latest doc.pdf

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Not a letter of claim


please don't hit Quote...just type we know what we said earlier..

 

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now the reason for the demand is very specific and allows you to question not only the supposed contractual condition but also the accuracy of their equipment which is known to be dodgy.

Edited by honeybee13
Typos

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Hi,

 

I have to say the new site looks great :)

 

Regarding the parking issue, I have just received what looks like papers from a county court from these crooks. The papers look like the normal kangaroo courts you often see now in this country these days.

 

They say I have 14 days to reply but or the judgement may be taken in my absence, if I upload the images here will they be view able by everyone?, that of course is not a major problem I just really don't want to give these crooks any help at all in continuing to extort money from me.

 

Thanks,

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its not from the crooks it will be from northants bulk.

don't need to see them

simply complete this:

 

https://www.consumeractiongroup.co.uk/topic/393251-received-a-court-claim-from-a-private-parking-speculative-invoice-how-to-deal-with-it-hereupdated-aug-2016/


please don't hit Quote...just type we know what we said earlier..

 

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Name of the Claimant ?  Vehicle Control Services Limited, 2 Europa Court, Sheffield Business Park, Sheffield S9 1XE

 

Claimants Solicitors: None

 

Date of issue 13 May 2019

 

!The Claimants claim is  for the sum of £160 being monies due from the defendant to the Claimant in respect of a Charge Notice (CN) for a contravention on 30/12/2018 at Berkeley Centre Pay & Display. The CN relates to an (Make of Car)  under registration (Car Registration).

 

2.The terms of the CN allowed the Defendant 28 days from the issue date to pay the CN, but the defendant failed to do so. Despite demand having been made the Defendant has failed to settle their outstanding liability.

 

3.The Claimant seeks the recovery of  the CN and interest under section 69 of the County Courts Act 1984 at the rate of 8% at the same rate up to date of judgment or earlier payment

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is that exactly ALL the POC says bar you car reg being redacted ??

what about sols cost and sec 69 8% values

 

and what is the total of the claim please

you've missed a few questions off the bottom.

 


please don't hit Quote...just type we know what we said earlier..

 

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Big gap in the POC though - They don't say why the defendant is responsible for the CN - driver? keeper? If they say "keeper" then why £160 not £100? They can't claim the £60 from the keeper, only the driver. Oh yes, forgot for a moment there - they are ASS - U - ME ing that the driver and keeper are one and the same. Well if I see simple Simon buying lingerie in Victoria's Secret I'll assume that's for him to wear. Also looks like they have not complied with PAP and sent a proper LBC.

 

You'll need to go online and acknowledge but basically VCS will be very silly to proceed once they've seen your defence (draft here first please) and will get a good slapping if they do.

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Yes sorry here are the answers to the questions you are referring to:

 

What is the value of the claim? Amount claimed = £160 Plus Court fee £25, Total Amount £185

 

Has the claim been issued by the Private parking Company or was the PCN assigned and it is the Debt purchaser who has issued the claim ? Yes the claim has been issued by Private Parking Company

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? I am not sure?, I received a PCN which I attached to this article..

 

Thanks

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so you need to acknowledge the claim and the best way of doing that is online via moneyclaim dot gov dot uk.

 

Once you have acknowledged by ticking the box saying you are defending in full you tehn get an extra 14 days to file an outline of your defence. This must be done on time or you can lose by default.

Once the acknowledgement has been done you send VCS a CPR 31.14 request for documents and ask to see their contract with the landowner that assigns the right to enterinto contracts with the public and to make civil claims in their own name and for sight of the planning permission for their equipment and signage. they need 2 separate permissions for this.

 

The chances are they wont respond  and then you can take advantage of that. Give them 14 days to respond and if they dont you comment on their failure to show authority in your defence submission. Dont allow the time for filing to expire whilst waiting for this though, you have other points to make inc the rubbish POC.

 

 

as for your comments about a fake claims etc, it is a good thing you came back here otherwise you would have lost by default. There are websites that tell you that it isnt a real claim because it isnt signed of have a proper court stamp etc etc. Northants bulk centre is for all of the online claims  and is just as real as the other courts apart from you dont go there. Wigan also deals with a lot of online cases and I know Wigan exists as much as Northampton does.

 

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pop up on the MCOL website detailed on the claimform.
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked.
 click thru to the end
 confirm and exit MCOL.
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]

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 [1 in the count]
 


please don't hit Quote...just type we know what we said earlier..

 

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Hi,

 

Thanks for that.

 

I am now on the money claim website.

 

May I ask if I am able to answer the questions and then come back and add my case defense in full when I fully know what that will be?

 

I just want to be sure my intention to fight the case is made clear at this stage.

 

I have now gone through and filled in the questions on the Money claim site.

 

When I have completed the questions, it said that

 

A claim was issued against you on (Date)

Your Defense was submitted (Today's date)

 

I can still edit and add the full defense though within the time allowed right?

 

 

 

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read my post you DO NOT file a defence yet

simply complete AOS as advised

 


please don't hit Quote...just type we know what we said earlier..

 

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