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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PCP agreement but no payments ever taken and HPI clear


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Hi,

In January 2022 I purchased a small van for £17k, put down a £2k deposit and took out a 3 year PCP deal.

In June 2022 I received an email from the dealership where I bought the van stating that they had completed the finance forms incorrectly and would I mind printing the documents off, signing them and returning them. I did this the day the email came in and I got an email back thanking me for the prompt response.

Back in November 2022 I realised that no payments for this van had been taken out of my account so I emailed the dealership to ask why. They didn't reply so I sent a further two follow up emails (I like everything in writing) but I still got no reply. I then followed up with a phone call and was told not to worry about it and that everything was ok on their end which I found a bit strange.

In 2023 I was involved in a bad accident and was in a wheelchair most of the year and got back on my feet in October 2023.

Fast forward to today (April 2024) and just out of interest I got my bookkeeper (the van was used for business purposes) to check back through our main business account to see if any payments had been taken out for this van. We have quite a large business and have a fleet of 17 vans so keeping track of all the payments coming out is difficult as there is so many but there is none coming out at all to the finance company that was used for this vehicle.

I found this very strange so I did an HPI check and the vehicle has come back completely clean and clear of all finance and has no outstanding debts against it.

Following this, I called a friend who works for a large car dealership and he used their HPI service to double check as he said that their system gives much more detail than the HPI checks the general public can buy online. Again, this vehicle came back completely clear. My friend also told me that once I have signed the agreements they expire after 30 days so the dealership should not have been emailing me in June 2022 to resign the documents as the original documents would have expired and a credit check would need to have been carried out again.

I want to do the right thing. However, my friend has told me that if I take the van back to the original dealer they will apologise, give me my £2k deposit back and then just sell the vehicle again as they will already have been given the money from the finance company back in January 2022.

Legally where do I stand? I have a vehicle that I paid a £2k deposit on but have never paid a single monthly payment and the vehicle is showing as completely HPI clear. 

What do I do with this van? Do I return it to the dealer? Sell it? What is my legal stance on this as I have emailed the dealership three times and called once and I have had no response other than to be told not to worry about it from the dealer.

Any advice anyone can give me would be much appreciated.

Kind Regard's 

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no you cant sell it, it belongs to the finance co.

who are?

why dont you contact them?

do you want to keep it?

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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I have also contacted the finance company and they have no record of the sale.

I gave them all the details from the documents and they said they have no record of it.

I'd actually like to trade it in now as we could do with a larger van for deliveries but I dont know what to do.

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have you got this in writing from them?

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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No buddy, just on the phone.

I only called them this morning as it has me slightly worried.

I don't want to be hit with a large bill but if the finance company state they have no record of the sale and the dealership told me not to worry about it then what on earth do I do?

I certainly don't want to take out a finance agreement from today as obviously the interest rates etc are alot higher today than they were 2 years ago.

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get it in writing from the finance company. send them a full copy of the signed? agreement you have.

once you have that in writing.

the world is your oyster with the vehicle.

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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