Jump to content


  • Tweets

  • Posts

    • Hi  Any free apps to download to pdf from android  H
    • Ok it's defence week, I need to upload 2 pics of the letters from overdales from my phone to put on here to be checked so I can file my defence. Cheers H
    • Today as the registered keeper of the vehicle photographed, I received a Parking Charge Notice, for a private land car park. I have looked at streetview and I dont think the signs are noticable, they were not placed on entry to the parking area, but on lamposts around the plot. It's not ANPR monitored but must've had someone on foot as they had photo of the vehicle parked in a bay. Is this one worth contesting or will it have to be paid?   1 Date of the infringement 28/5/24   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 4/6/24   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received 10/6/24   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y/N?] post up your appeal] No   Have you had a response? [Y/N?] post it up N/A   7 Who is the parking company? Parking&Property Management LTD   8. Where exactly [carpark name and town] 34-39 Magnolia House & 1-83 Cedar House Spelthorne Grove, Sunbury - on - Thames, Middlesex, TW16 7.   For either option, does it say which appeals body they operate under. It doesnt seem to. It states they operate in accordance with the International Parking Community's Code of Practice (IPC). On the back it says "Contesting this parking Charge" and under this heading it states that "all letters contesting a parking charge are carefully considered and replied to within 28 days. Charges are put on hold until an appeals decision has been reached. If we reject the appeal, you will be provided with the contact details of the Independent Appeals Service."   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here Nothing else received PARKING NOTICE.pdf
    • Probably about 7 days or so. Do you have her email address?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Moorcroft and Natwest


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6209 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

:) Hi would like some advise on the following. Whilst a student approx 6 years ago I borrowed £2000 from Natwest and also went overdrawn on my account that is now closed. I struggled to pay them back £20.00 a month for about three years and that barely covered the interest. When i defaulted they passed onto Moorcroft to whom i pay £40 a month.

 

After reading several threads I am now confused. It seems a lot of people ask for CCA and write off the debt or get charges back. Im confused as if I should leave it at £40.00 to Moorcorft (Interest + charges from Natwest make my debt remaining now £4104.99 and will take me 117 months to pay back) or try and get the debt reduced or written off.

 

Some advice would be welcome.

 

Thanks

Link to post
Share on other sites

Thanks. Im am worried I will be opening a can of worms. I think Moorcroft can be bullies!!! Or should I not think that too far ahead!!?

 

Great advice from SortingItOut.

 

Can of worms??? its YOUR money.. go for it!

 

Post any replies you get or questions you may have and eveyone will help you. :)

Link to post
Share on other sites

Send SAR to Natwest and send a CCA request to Moorcroft.

 

CCAs work differently with bank overdrafts, i am no expert, someone should be along soon.

 

To my knowledge, CCA requests do not cover overdrafts. However, with any luck Moorcroft may not realise what kind of debt is being CCA'd..... so for the cost of £1 and the rec. delivery postage, I would send one.

 

Was the other borrowing a loan ?

 

:)

Link to post
Share on other sites

Yes, of course.... a CCA request is sent in order to determine if a Debt Collection Agency is legally allowed to pursue you for payment.

 

A SAR is sent in order to find out if any unlawful charges have been applied to the account before being passed/sold to the DCA. If so, these can be re-claimed from the original creditor, which will reduce the balance outstanding on the account.

 

:)

Link to post
Share on other sites

  • 1 month later...

First thing you want to do is go through all the statements and look for any charges that have been applied to your account, like unauthorised overdraft charges, bounced cheques and DD's etc etc - just charges, not interest.

 

Put details of each charge (Date, reason, amount) into a spreadsheet and then you want to use one of the template letters here to make an initial demand to NatWest for your unlawful charges to be refunded.

 

I would read through this (click here) first before sending a letter though so you know the process.

 

Once you are happy with the process use can use a template letter, there a few on the site - here is one (click here) and also you might want to post any problems, questions etc in the Natwest forum (click here) as you will find people there who have had experience dealing with Natwest and can offer good advice.

 

Good luck!

Link to post
Share on other sites

All I have is a letter saying they will suspend the account until NatWest get back to me, which they have.

 

But a set of statements isn't responding to your CCA request - the CCA request being fulfilled would enatil you getting a true copy of you original credit agreement. Until this is provided the debt is unenforceable

Link to post
Share on other sites

It doesn't actually have to be signed to comply with the CCA request... just a copy of what you would have signed...

 

However, to stand up in court it would have to be signed, and chances are if they send you a blank copy they don't have the signed agreement.

Link to post
Share on other sites

Im very confused about the statements they have sent me there are 100's of pages for the 2 seperate accounts.

 

Therefore to do this liogically am i just looking for charges etc and not the interest? The reason I ask as there are seperate shhets for interest which shoe about £39 a month since the account Im very confused. Help appreciated

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...