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    • Hi BankFodder I answered a couple of your quentions, but now that you have confirmed that the info in the email is important I'll use that and call them tomorrow.   If they insist that I didn't confirm that the change of contract would affect me and that the email meant nothing I'll talk to my bank.   I don't want to take up anymore of your time until I get their response tomorrow
    • Thanks again for the replies. For now we have to wait for the court date and hope.    One final question, the NIP notice of the Police sent detailed the speeding prosecution, can the Police / CPS change this?     
    • You're absolutely correct.  I was stopped by an officer who actually looked like a pig.  He tried to give me a verbal NIP but couldn't' quite remember it so helped him out.  (I am an ex Police Officer.)  There was therefore no need for a written follow up.   I did actually guess that he would screw something else up and so it proved.
    • I have looked at your WS and you make some very good points with just a couple of things that would be better moved around.   Under your Sequence of Events  at 4.4 you move on to relevant contracts which needs a sector on its own. Also you should make the point that as the Privacy Note was obviously a Note To Driver, the PCN should not have been sent within 14 days but after 28 days.  This was  an underhand attempt  to thwart PoFA by bringing forward the liability for payment but means instead that they issued an  NTK  which cannot transfer liability to the keeper.   Then move on to Relevant Contract which you have  already quoted the PoFA guidelines. include that there are two property companies included both of which therefore should have signed the deed. In addition the two property companies and VCS should have been  signed by directors and their names and position identified.   The deed also required that the signatures be witnessed and named and should not include any director that had already signed the deed. Furthermore neither property company appears to be the actual land owner.   Strict proof is needed as to who is the landowner and also the link that allows the other two companies to sign on behalf of the land owner. So VCS have no Locus Standi until the landowner is provided and the connection with the two property companies is proved.  Under PoFA their needs to be a contract between the land owner and VCS which governs the behaviour of the motorist. Without that deed, there is no contract with the defendant.   As an aside you may have seen on the boundary map that Headford property described themselves as the "lawful Occupier". This does not necessarily mean that they are the land owners they can be tenants just as easily. https://www.lawinsider.com/dictionary/lawful-occupier I would be inclined to take that definition with you but not include it in your list of documents.   You have already covered points 5 and 6 so there is no need to repeat. And no need to include Bye laws since there are none.   7]  You can delete all of this as you did that now on 4.6 or 4.7 and there is no need to include Excel. They have no signage in the car park and the Privacy Notice doubles up as a notice from excel and vcs but you will notice that only vcs is ticked on the privacy notice. And remove 7.1 as well.   8] you do not know that the first PCN came from excel. I suspect that the mixup on the Privacy Notice caused you to think that and as you threw away that PCN  you are on a sticky wicket accusing them.   On 4.6 you can include that VCS do not have planning permission for their signage and cctv cameras which is a legal requirement under Town and Country {advertisements] Regulations 2007. Without that permission they do not have the right to erect signs nor install cameras which puts them in breach of their COP where you can include Lord Neuberger's thoughts on the right to use the DVLA when they are not compliant even with their COP never mind the Law.   When their WS arrives please post it up so that we can see where they have gone wrong and correct it so the Judge is not misdirected.   By the way, I have seen the VCS contract but not the original PCN. If you have it could you please post it up as there may be other ways in which it does not comply with PoFA.
    • I'm sorry but I asked you a number of questions and you haven't addressed any of them. For us to help you, you would need to give us the information we ask for
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Last year I borrowed £400, a cash-til-payday loan secured against guaranteed cheques from paydayexpress.co.uk


I was unable to pay the £40 per month (10% extension fee, or they bank my cheques for £400).


I called them to tell them I was in financial difficulties and arranged to pay £40 a month so the loan was paid off within a year. However the next week they had added £100 interest, is there any way I can contest this or am I bound over by the credit agreement i signed. I have already asked them to cancel this lump of interest but they refused.


A similar situation also applies to a £300 loan from moneyshop



Any suggestions welcome





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  • 2 months later...

Was it interest or a £25 per cheque charge? If the latter you may be able to claim it back. I'm not certain about this, but I'm in the process of giving it a go.




Capital One: S.A.R - (Subject Access Request) 14 Nov 06, Prelim 8 Dec 06, LBA 10 Jan 07, MCOL 1 Mar 07. Settled in full 2 Apr 07. :)

HSBC: Prelim 27 Feb 07, LBA 10 Apr 2007, Received offer 25 Apr 07. Rejected 2nd May 07. Received new offer 22 May 2007. Accepted 22 May 2007. Settled.

Barclaycard: SAR 2nd May 2007.

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  • 2 years later...

Hi, I am peter, ive used (Edit)online payday loans[/url] before and benefited. i think this is the best way to get instant money. Ive used the service from Pay1day.com

Edited by maroondevo52
Removed commercial link
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Hello and Welcome, peter.


Unfortunatly you have posted on a thread that's about 3 years old, I've removed your commercial link and would advise you to read the site rules before posting 'link's like this again.






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