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    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
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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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AHHHHHH Lloyds TSB AGAIN........


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Good afternoon all. Hope everyone had a great easter.....

 

Here's my case.

 

I took out a loan in 2003 for 10k with Lloyds over 5 years. The repayments are £265 a month and that includes PPI. Last year, I tore a ligament and couldn't work so I tried to claim on my PPI and was told I didn't even take it out. Now when I asked for a settlement figure three weeks ago, surpirse surprise, PPI was included. I told them at the time of taking out the loan I didn't want PPI but it was made a conditional part of the loan. So did I or didn't I????

 

The settlement figure came in at £5200 (shocking considering how little time I have left - 14 months)

 

I told them in a letter to basically get stuffed and asked for a copy of the t&c of loan and copies of all docs which they sent. I adised them to take out the PPI and refund the cost back into my loan account and they said....no (shock)

 

Now the money I had to pay off the loan has been used elsewhere and now I have written to them again to advise them that I will be taking them to court unless the full PPI costs are refunded.

 

 

On another case, I have just totalled up from LLoyds (after waiting 3 months for a set of charges/account statements) that they owe us over £5k in bank charges over the past 5 years. tut tut. So I feel another letter is in order.

 

I am totally sick of being fobbed off by Lloyds and told that the T&C were clearly set out when i openned account/took out loan bla bla bla. If ayone has any suggestions or advice, I would be glad of it.

 

Love reading success stories.....

 

Makes it all worth while.

 

Cant wait for

(the comman man) 1 - Lloyds Tsb 0

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Guest Niklowe

It sounds like you have got a good case for the PPI back, as they are not allowed to make it conditional on the loan.

 

Just read the FAQ's and have a look in the forum for your bank and read the experiences others have had. Above all don't rush in without plenty of reading. When you are happy, start a new thread in the section for your institution that you are claiming against, and away you go. There are lots of people to help you, but don't forget this is a very much a self help site.

 

Have a look through these links

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

 

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts-please.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Good luck but you won't need it

 

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