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    • Hello I'm new to this forum therefore apologies in advance if this subject has been done to death already. I received a parking ticket issued by Euro carparks in 2017 although was legitimately parked on private land owned by Majestic in Worcester. The car was registered to me as a disabled driver and leased to me through the Motability scheme. Numerous online feeds were suggesting this ticket would be an 'invoice' not a 'fine' if it non intent to pay could be shown. All the feedback was suggesting to ignore it because to make contact would constitute a 'contract' between ECP and myself in law. This was endorsed by Martin Lewis so I thought it must be legit. ECP gave up mailing me after a year and I presumed that was the end of matters. In December 2021 my son who has a similar name but lives in Liverpool, realised a CCJ has been entered against his name for defaulting on a debt now exceeding £300 The company DCB insist the information is correct and would have been gleaned from a trace and search using DVLA?  This is pure fabrication. My son doesn't even drive. How can an organisation make something up for a court to register in default? DCB will not talk to me due to data protection and my son is potentially facing enforcement action over something he has nothing at all to do with. I cannot get judgement set aside because I am not registered in default. Thank you for reading.  
    • It has gone in now recieved last night and acknowledged on my online account today.   Would overdales need a copy of the defence statement I have sent in with it being a holding defence? or keep them out of it?   If I am defending them in court if it goes that far they'll just see that I have defended the claim but not know the reasons why. You've suggested in the past they might drop the case before court but can't drop the case if they don't know the reasons of why I am defending?
    • we have until next Wednesday to settle or then go to mediation or to a hearing    they have filed this with the court.    is this anything to do with the CPR letter I sent to dcbl?  Is this their response?   also I find the timing of this a bit off given that a SAR has been sent to ukpc last week 🤷‍♀️
    • Any positive advice gratefully received. Last minute I know but we’ve got a possession hearing this coming Monday and I’m terrified we’re going to lose our home. We’re £100k in arrears  (yes, I know) having had the most awful 4 years. Our franchise business suffered a downturn when we lost an account with a department store chain that went under and another major department store up north along with a number of franchisees. At the same time, our daughter became very ill with major depression and psychosis leading to severe self harm and suicide attempts. I had to give up work to look after her as our local CAMHS was so understaffed plus I would normally have customers come to the house, something that was impossible due to our daughter’s illness as it escalated so quickly. She was hearing voices and seeing things and pretty much went mad for a couple of years. Her home and keeping everything the same in it, to the extent that we could barely move anything, became increasingly important to her as she was so paranoid about any change. She was eventually also diagnosed with very high functioning ASD/Asperger’s which explained some of her obsessive behaviour and had been something she had apparently been masking for years which resulted in the depression and psychosis. My husband also suffered depression due to the business collapsing and our daughter’s illness and some days was bedridden.  We kept Santander informed at all times that we were unable to pay the mortgage during this time and sent evidence of the severity of our daughters illness.  We then had the pandemic which affected our business still further. During this time, Santander just asked us to keep them informed as to how we were doing and that nothing would be done with regards the continued arrears. Meanwhile, of course they kept us on a super high interest rate just under 5% (while they advertised their sub 1% deals) and piled on those charges.  Our daughter’s drs finally found a combination of meds that helped her and she was able to start uni with support (she is studying physics) although she still needs everything the same at home to help her cope when she has a bad depressive episode or an ASD episode. She is on maximum doses of anti-depressants and anti-psychotics,  has twice weekly counselling and regular checks from uni security when she is there. Thankfully they have a very good disability unit. The head of the physics dept says she’s the most gifted student he’s had in his 10 years there.  My husband’s depression is getting better, he has found a separate job and we are restructuring our business. He has also started a consultancy and has a number of agreements and contracts in place that he is working on which would enable us to make lump sum payments. We told Santander last summer that things were starting to improve  and asked if we could agree a payment arrangement to either change our mortgage to interest only with the sale of the home as the repayment vehicle (we have 7 years remaining) or change to part repayment/part interest as at the moment the capital and arrears are too much. We have around 65-70% equity in our home. Santander refused to discuss any arrangement other than immediate full payment of the arrears and the monthly mortgage payments and began proceedings the day after restrictions on doing so were lifted.  Surely having, in effect, allowed us to build up 4 years of arrears due to our circumstances it is unreasonable for them to suddenly demand immediate full payment as soon as they find out our daughter is not on 24 hour suicide watch atm? The person I spoke to in the Vulnerable Customer dept even suggested she must be “fine” if she could manage to go to university! They’re obviously well trained in the complexities of mental health….not.  Given our circumstances, shouldn’t Santander  work with us and give us time, now that we are able, to get back on track? How do they think that after the 4 years we have been through we can magically summon up £100k just like that?! Losing our home would mean losing our business (I have a home workshop I need for what I do) just as we are building it back, not to mention the shock to our daughter who obviously knows nothing of this. I have spent 4 years getting her to a place where she’s spending more time thinking about quantum physics than trying to kill herself and the shock of being forced from her home would take her right back to the worst of times. Given the improvement in our finances and equity in our home, surely the judge would allow us to continue to make partial payments (we have paid 4 months of the interest on the capital and arrears since October) or interest only, which we can more than afford now and would give us the ability to concentrate on improving our situation, something that is nigh on impossible atm with this hearing hanging over us like a Sword of Damocles. We are confident that we will soon be able to make lump sum payments but this isn’t going to happen overnight. Husband due to hear tomorrow re: promotion and pay rise plus a retainer for a consultancy so we’re keeping our fingers crossed. It’s all heading the right way but I was literally told by Santander it was just unfortunate that things were getting better for us when they’d decided to take us to court! Apologies for the length of this. If anyone has managed to read it, I would be v grateful for any advice on how to tackle things on Monday. We have sent in an extensive defence pack outlining our circumstances and proposals and will have a duty solicitor on the day but otherwise we’re on our own here. Have we got  😕    
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PCO Private Taxi Cab Car hire and return.


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Hello

 

please help me. From my other posts you can see I have been robbed out of my inheritance and these problems are not coming to an end.

 

I applied for my TFL PCO taxi / drivers license in October 2018.

 

in April 2019 they informed me my previous license topographical test is not good as the test center is no longer accredited. So I have to take the new one. I waited 2 months for the appointment with training.

 

I did the training and test at the center. 20 days later I failed. Map navigation section.

 

I booked again. Did the test again on 13/09/2019.

 

After the test NOW I was formed that drawing the navigation all I need to do is the shortest route from A to B.

 

I was told in my training to draw only on YELLOW ROADS. So side or minor streets is a big no.

 

now I know based upon the what I have been told I have failed again and every applicant fails based upon map drawing which is done on google maps.

 

I guess all they want to SEE is if u can read one way roads etc.

 

some say you must draw as you would drive I.e draw on left side of the road. Some say no middle is fine. There is NO CLEAR DATA INFORMATION from anywhere as to what is the correct method of doing it.

 

If I fail again I want to expose this. I do not have a money for a solicitor.

 

PLEASE can someone advise me who can I write to. Any email addresses or people to contact?

 

This is beyond a joke.

 

Ali

 

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I take it this is for a private hire licence, rather than the full  (taxi) “knowledge”?

 

https://tfl.gov.uk/info-for/taxis-and-private-hire/licensing/topographical-assessment

 

http://content.tfl.gov.uk/topographical-assessment-guidance-04-2019.pdf

 

You haven’t been turning right from Holborn Viaduct onto Farringdon Street have you?

Edited by BazzaS
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Well, you haven’t answered the question I posed (Private hire vs. Taxi), and you’ve titled the thread “PCO / Taxi”, so one is left wondering if you actually want advice, if you are just “on a rant”, or you are on another “wind-up” (like the thread where you said you were ‘getting intimate’ with your solicitor!)

Edited by BazzaS
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private hire and i am not looking to rant, i want to know how i can get answers. and make official complaints.

 

and as you are defaming me link the post so i can see where i am trying to get intimate with a solictor?

 

i think maybe what needs to be understood is there is no clear cut instructions on how to draw, i was told yellow roads only and only after the 2nd attempt to draw anywhere.

 

also the example they give is not reflective of the real test and the PDF the most important is the last section which could indicate to draw on white roads too.

 

however the first accredited test center said no yellow roads only.

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11 minutes ago, philmycoke said:

 

and as you are defaming me link the post so i can see where i am trying to get intimate with a solictor?

 

 

 

It appears your knowledge of the Defamation Act 2013 is even more woeful than your ability to pass TfL’s topological tests .....

 

link to follow.

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Don’t ask for the link if you don’t want me to post it

Don’t accuse me of defaming you if you don’t want me to show that I’m not defaming you.

 

Some of the posts on that thread have been edited or hidden. The site team will no doubt have access to them if needed.

 

The link is:

 

Do you recall it? The one where you found a lady solicitor and she got you to take your shirt off, took photo’s, sniffed your shirt, and you were going round to her place at 10 pm on a weekend?

Post 145, for example: “She did say £300 is for her time and what ever happens in that time is through mutual consent.”

 

Where people were saying that it was behaviour that would get a solicitor struck off?

 

if you don’t want to see my responses, put me on ignore. If you think I’ve broken site rules use the “report” button. **Simples**

Edited by BazzaS
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NOW THAT MY POST. REQUEST for help has been hijacked.

 

What do i do now? make a another post and hope and pray he does not come back?

 

i am sorry to say this man, member has been harnessing all my posts.

 

this needs to stop. why is he allowed to destroy any chance of help?

 

that quotation etc is not from me. nor do i own it or remember it did any such things.

 

 

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Post 144 on that thread quotes you directly.

If you didn’t post what it quotes you as posting:

 

a) why didn’t you get the site team to remove it before,

b) I’m sure they’d check and fix it now if you asked them and said “I never posted that!”, and they checked and found that to be true.

Don’t forget they can see posts, even when hidden / ‘deleted’ or later edited.

 

“The greatest benefit of the truth is that you only have to remember the one version” (and thus don’t get caught out in differing versions....)

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As i will contact my local MP and another complaints system. i do not need any more i dont think.

 

please in the future you stay out of my posts. so far every response has been to you. where is the help.

 

find better things to do then make life difficult for people to see help.

 

that post is over 2 years old. why quote it? just get lost.

 

 

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4 minutes ago, philmycoke said:

As i will contact my local MP and another complaints system. i do not need any more i dont think.

 

please in the future you stay out of my posts. so far every response has been to you. where is the help.

 

find better things to do then make life difficult for people to see help.

 

that post is over 2 years old. why quote it? just get lost.

 

 

 

Why quote it?

a) because it rebuts your accusation that I defamed you

b) because it rebuts your statement that you never posted that information,

c) because it might prompt people to look at your posting history and make up their own mind if you are

i) Mr. Reliable poster who always posts well thought out posts that don’t have made up information and an ever-changing story or

ii) not.

They can them decide how much credence to give this latest saga (didn’t you previously say you were a taxi driver?), and make their own decision about how much effort to put in .....

 

so, that’s 3 different reasons for starters ....

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go find a private hire taxi forum. or group

they'll know not really a consumer issue..

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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  • 6 months later...

Dear friends,

 

I hired a car on the 93/2020 to work as a mini cab driver.

 

Every week i must pay £203. They gave us 50% discount because of the virus.

 

now that London is more or less in a lock down, with Uber reducing its service and other ride sharing apps also very quite, dead, the income is zero.

 

therefore i can not make my weekly payment at 50% discount.

 

i called them 11 times, emailed 4 departments no response.

 

this morning i spoke to the lady in accounts, whos very rude and very aggressive, maybe shes had practice of the last week or so

has insisted i must pay or she will send my account to debt collections.

When i asked her, when will she do this, she said soon as u dont make a payment.

 

NOW on the 9th i paid £700 deposit and then further paid £203 on the 19th.

 

ALL payments are up to date.

 

What is my solution?

 

( i am uploading my T&C, if you look carefully page 4 under Termination and then page 5, i think it is incomplete) will this help me?

Terms_and_Conditions.pdf

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so what debt collectors are totally powerless.

 

why do you need the car now?

 

 

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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Hand the car back. stuff all legal action going to be happening for a while anyway!

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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I will lose my £700 deposit.

 

that includes advanced congestion charge, weeks rent and reinsurance weaver for "access".

 

I cant argue well and shes very aggressive, each time i say something she shuts me off.

 

go work for Tesco, do other driving job, go to asda etc.

 

 

 

 

45 minutes ago, dx100uk said:

so what debt collectors are totally powerless.

 

why do you need the car now?

 

 

Look you know more then me, i have never been that deep in it to know anything. i watched few programs on bbc about collectors, they evict single mothers, close shops, take peoples cars etc.

 

i wish i could agree they are powerless. right now the courts are closing etc so i am sure if i did not pay it might take time.

 

also i am self employed with zero income i am sure they wont break my door down and take my items.

 

i dont want to go there, if i can get a resolve that is the best.

 

there "site and office" is closed. infact the huge 9 or 10 story building is closed.

 

i got 2 weeks left.  50% discount means £100 this week and next week. in the 4 emails i sent i told them if i have to give i am giving my 2 weeks notice.

 

Christ where is this £200 going to come from? universal credit wont even answer the phone.

 

did someone read the attachment i added?

 

based on page 4 and 5 is it valid toc or contract

 

NOW THEY EMAILED ME saying " it is 4 weeks contract + 2 weeks notice" so i have to pay for 6 weeks.

 

i cant lose my depost.

 

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Looking at it very briefly, the contract seems to be in many respects extremely unfair. Some of it is really quite unenforceable – in particular there is an imbalance in the amount of notice that you are required to give them and the fact that they can apparently terminate your contract within six hours. Also, this business of inflicting a £500 charge for failing to report an accident within three hours, I would have thought was extremely unfair and unenforceable as well.

The contract says that there is only a £500 deposit – also there is a minimum hire period of 28 days and they want to each notice to terminate it. So at the very least I would give them the notice they require. You can then either return the car now or return in two weeks. They've got the deposit which is basically two weeks hire so after that it seems to me that they owe you money.

You've been here since 2011 so you should be well aware that you should read our customer services guide and implemented the advice there. I suppose you haven't – which is why you got no evidence of the conversation for the way you've been treated.

I disagree that the contract is for a minimum of four weeks plus the two weeks notice period. It seems to me that the writing on the contract says that it is a minimum 28 days. So you can terminate by giving 14 days notice – and if you do that within the 28 days, there is no need to do the six weeks.

I understand from what you are saying is that they require two weeks notice after the expiry of the 28 days which means there is a minimum hire period of six weeks. This is totally contrary to what the contract says.

If you are given notice in writing right now. When you return the car and tell them that if they want to take action they have your address and you will defend it vigourously. You can tell them that you have already taken advice and that you realise that a lot of the contract is extremely one-sided, punitive and unenforceable.

I think you should assert yourself these people. They don't sound very pleasant – although of course you won't be able to hire a car from them again.

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40 minutes ago, philmycoke said:

Look you know more then me, i have never been that deep in it to know anything. i watched few programs on bbc about collectors, they evict single mothers, close shops, take peoples cars etc.

 

i wish i could agree they are powerless. right now the courts are closing etc so i am sure if i did not pay it might take time.

 

also i am self employed with zero income i am sure they wont break my door down and take my items.

 

'they' can't do anything of the sort!!

 

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... 

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Also, lets see what Boris says later this week, he promised help for small businesses didn't he? 

 

I dont think the hirers are demonstrating the forbearance we are all going to need in the coming  months.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Looking at their contract, they don't seem to be the sort of people who would exercise forbearance with anybody. I wonder if this woman you are speaking to was Renee Rogers?

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No Amina, wow you know them?

 

Renee is going to say yes or no to the £50 deposit i have to pay every week as i am splitting the deposit over few weeks.

 

this Thursday i have to pay £103 + £50. i requested they take £103 only.

 

NOW THE COUNTRY is in lock down.

I dont know where the £103 is going to come from either.

 

this year was supposed to be my year.

 

god damn it!

 

 

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Action for tomorrow!

 

1. i go drop of the car 2 mile journey and risk being fined £1000 etc.

i will lose the deposit.

maybe get something back as its 50% discount for next two weeks.

 

2. they have my CC somehow stop the payments going out and car will be parked on the road with no insurance

3. if they agree pay £100 this and next week and hopefully they accept the 28 day contract and not 6 weeks as the contract suggests.

 

(£900 lost and none of it is my fault. took me 3 months to save this money) All this has to happen to me.

 

none of these options are good.

i am lost and confused.

i dont know what to do.

 

i cant handle bailiffs and debt collections etc. CCJ's etc.

 

i am 39 now, i will be ruined if all this goes pear shaped?

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