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    • should have come here first really. What you requested was a load of irrelevant twaddle. What was the original debt? Have you moved since taking it out? If TM Legal are chasing, that should means that Perch own it now? Did you get the letter of claim by email or post? You should kill the emails immediately.   
    • sorry I have been confused by Statute Barred meaning. I thought with Statute Barred the debt cannot be chased 6 years after you have stopped paying.  Originally I set up a payment arrangement with all the companies around 2008 when things went horribly wrong. At that time the payment arrangement was with the original creditors.  I still have one of the original creditors who I pay each month (Cap1). I thought that if you make a payment arrangement you have to stick to that situation throughout. Also, MDR (Moorcroft) have been taking a monthly payment on behalf of M & S Bank for about 5 years. When I sent MDR a CCA request I got a copy of the original agreement sent to me directly by M & S Bank about 5 weeks after my CCA request. Sorry for my ignorance but would you suggest I stop paying all including Cap1 who are the original creditor? TIA
    • London1971 without divulging too much into his mental health he has issues regarding anything to do with government and so is it ok to fill the forms provided and what do I put on there  thanks  
    • Dear all, I am hoping for some advice/guidance on this matter. I received a LoC dated 12/04/24 and replied to this on the 2/05/24 disputing claim with the following reasons: 1: [Inadequate Affordability Assessment]: I contend that your institution failed to conduct a thorough assessment of my financial circumstances prior to approving the loan. As a result, the loan amount and repayment terms were not suitable for my income and financial situation. 2: [Unsustainable Repayments]: The repayment schedule imposed by the loan agreement placed an undue burden on my finances, making it impossible for me to meet my other financial obligations without experiencing significant hardship. 3: [Lack of Transparency]: Your institution did not adequately disclose the risks associated with the loan, including any potential increases in interest rates or fees over the loan term. I also added the following: Under the Consumer Credit Act 1974 and the Financial Conduct Authority (FCA) regulations, lenders have a legal obligation to conduct thorough affordability assessments and ensure that loan agreements are suitable for borrowers' circumstances. I hereby request that your institution: 1: Conduct a full investigation into my claim of irresponsible lending. 2: Provide me with copies of all documentation related to the loan application and approval process, including affordability assessments, credit checks, and correspondence. 3: Cease all collection activities related to the loan until this matter is resolved. Yesterday i received the attached reply via email and it included: 1: The Original Loan agreement 2: An account statement 3: A copy of a default notice letter. The email included a link for a direct debit set up page where you enter their reference and your bank account details (looks like a standard D/D set up page) but there is nothing to indicate the amount of the D/D that I might be agreeing to. I also think two days response time is not long enough to appropriately reply. Any thoughts appreciated   Email-compressed.pdf
    • Easy to set one up on Gov.uk , search on Google.
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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UKPPO CCTV Capture PCN - Parked in Electric Bay - Tesco Express 212 Manchester Road, Kearsley, Bolton, BL4 8PZ.


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No you're not doomed.

It's a shame you covered up the dates and times on your PCN since they can possibly help your case when they don't comply with the requirements of the rules in private car parks.

Could you please therefore include the arrival and departure times as well as the date of the offence and the date on which they alleged they sent you the PCN.

The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4.since the wording should invite the keeper to pay the outstanding amount. Also I cannot see on the PCN that UKPPO are the Creditor though I may have missed it since it is so unusual not to include it.

The upshot is that you as keeper are no longer liable to pay the charge if the driver fails to pay within 28 days-0nly the driver is now liable. As Courts [assuming it gets that far ] do not accept that the driver and the keeper are not the same these rogues will have a hard job who was driving unless you appeal or have appealed and revealed who was driving.

You did say that you weren't parked there long and had that been correct you have perhaps 15 minutes where you might have had a further. argument. As it judging by the confusing times mentioned in the wording or the PCN you were there for almost an hour?

However as the light was not good and I presume the signs were not illuminated that is a reason that you could not see the sign. And did you have your blue badge showing ?

Interestingly the post code quoted does not agree with the Post office one in West houghton = BL5 3JS

Are there two different Tesco  car parks in Bolton.

You obviously could not be in two places at the same time...............

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  • dx100uk changed the title to UKPO CCTV Capture PCN - Parked in Electric Bay - Tesco Manchester Rd Bolton BL4 8PZ

Thanks for clearing up the time question.

i don't know why they even issued you a ticket as you left well within the 5 minute Consideration period [that is to give the motorist time to read the T&Cs before deciding to park or leave because the rules were unacceptable .They have actually breached your GDPR as well as not issuing a compliant PCN.

It was late night/early morning when I saw your thread so was kind of tired and missed your blue badge [I am not currently in the UK].

The first thing to do is to visit Tesco and speak to the manager. Explain you were there late at night getting something for your disabled daughter; you are a regular customer; there were no disabled parking spaces nor any other parking places;

  it was dark and the electric charging spots were empty; you had never used them before except when they were disabled spots so you had never needed to read them even had you been aware that there were any. You were in and out for less than four minutes and would have been less had there not been a long queue.

I used to go to Sainsbury where my wife regularly got PCNs for overstaying and they always cancelled her PCNs  I am hoping that Tesco will be similarly as helpful to you. If he/she is not then a letter to their head office might get a better result. But a personal visit [not using the ev spaces 🙂] is better than a phone call.

Take your PCN with you so they can write down the reference number and point out that their should be a 5 minute Consideration period and you were gone before they should have issued the ticket.  

That would be the quickest way to resolve it.

Sorry Dave our posts crossed-mine took a bit longer.

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  • dx100uk changed the title to UKPPO CCTV Capture PCN - Parked in Electric Bay - Tesco Express 212 Manchester Road, Kearsley, Bolton, BL4 8PZ.

You could still write to head office. I find that some supermarket managers do not have the authority to make these decisions. So rather than admit that they fob their customers off.  One would have thought that  as a regular customer H.O. would take that into consideration in dealing with you request.  Explain that there is a five minute Consideration period that has been ignored by UKPPO which is in breach of the Code of Practice that are supposed to observe. And as such they have breached your GDPR

There is no need to appeal.  You already have enough knowledge to fight off their stupid claim as I pointed out on Post 2. They do not know who was driving and as long as you don't appeal they will have no proof to name who was driving in Court. You as keeper are not liable because the PCN is not compliant. You were only there for under four minutes with a five minute Consideration period. 

They have no chance of winning should they go to Court. You have as near to an open and shut case in your favour. Why would you want to appeal.There is no mileage in it for them to accept your appeal especially as you did park where you shouldn't.

You can totally ignore everything they send you  except if they send you a Letter of Claim. Then come back to us if they do and we will get you to send a suitably snotty letter which hopefully will change their mind about going any further. Go on with your life and don't worry. And we are always here if you wobble

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