Jump to content


  • Tweets

  • Posts

    • 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.
    • 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.
  • 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

Is My Agreement Enforceable - Useful


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4831 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

Reader & mightyacorn - if they are both MBNA agreements, you may be better starting a new thread in the MBNA forum where you will receive more specific advice. This is such a large thread your enquiries stand the chance of getting lost, also MBNA seem to have their own peculiar way of doing things :rolleyes:

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

  • Replies 1.2k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I have several accounts in dispute. I got a letter today from my OC which waffles on about the copies they've send in the past. Curiously, they also state that they have sent a copy of the terms ' both current and historic'. Are they implying that current PTs can be applied retroactively? Thing agreement is pre 2004 and a dud, anyway, but are they chancing their arm by saying this?

Link to post
Share on other sites

I have several accounts in dispute. I got a letter today from my OC which waffles on about the copies they've send in the past. Curiously, they also state that they have sent a copy of the terms ' both current and historic'. Are they implying that current PTs can be applied retroactively? Thing agreement is pre 2004 and a dud, anyway, but are they chancing their arm by saying this?

 

what they are saying is that there is a clause in the original T & C's which allows them to change the T & C's anytime they like

 

i have always thought this to be a grossly unfair contractual term and even more so now that the EU have brought out a new dictat on unfair terms and i hope soon that someone will test it out

 

as things stand now the creditor could give you 30 days notice that the minimum payment is 25% of the balance

 

change a term so that you have to pay in person at a branch standing on one leg whistling god save the queen

Link to post
Share on other sites

do u need to be hopping when u whistle whilest on one leg?

What if u cant whistle?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

of course i did0- also noticed she is in Norfolk so she must be a bootiful Bird!

 

 

I applied for a bernard matthews Job was over qualified.

 

Oh says yes i am a bootiful bird.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

I know i am from norfolk born and breed as they say.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

lol

 

born norwich dragged up norwich now in great yarmouth.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

what they are saying is that there is a clause in the original T & C's which allows them to change the T & C's anytime they like

 

i have always thought this to be a grossly unfair contractual term and even more so now that the EU have brought out a new dictat on unfair terms and i hope soon that someone will test it out

 

as things stand now the creditor could give you 30 days notice that the minimum payment is 25% of the balance

 

change a term so that you have to pay in person at a branch standing on one leg whistling god save the queen

 

I won't put up with that - no way! What you've said was exactly what I was thinking. The account I was referring to is definitely unenforceable but I get the impression that the bank is trying anything to get the repayments started again and I do expect this (and my other 'in dispute' accounts) to go to court at some point; I can't see them giving up. What I am now concerned about is the possibilty of the goal posts being moved, as it were, for I am sure that is what the bank troll was hinting at in his recent letter.

Edited by FlyboyAgain
spelling
Link to post
Share on other sites

what they are saying is that there is a clause in the original T & C's which allows them to change the T & C's anytime they like

 

 

I can undersatnd a company changing its T&Cs, but there is no way that they can expect these changes to applied retroactively!! Or am I wrong? If I am, we all may as well give up now.

Link to post
Share on other sites

Hi Caggers

 

Could you please give your opinions in regards to the agreement below. The prescribed terms are incorrect in that the payment schedule does not agree with the stated APR. It took me a mammoth amount of time to actually work out the figures but I need make sure what I am saying is correct.

 

Here's an extract from my skeleton argument in regards to this;

 

.....5.The written agreement the claimant cities in the Particulars of Claim do not comply with section 61 of the consumer credit act 1974 which states that for an agreement to be compliant with the regulations it must embody within the agreement, the prescribed terms laid out in the S11983/1553. Without the prescribed terms the agreement does not conform to section 60(1) CCA 1974 and therefore cannot be properly executed as described in section 61(1) CCA 1974.

6. The purported agreement is flawed in that the payment schedule does not correspond with the stated APR. The agreement states;

The amount of credit is stated as being “12,812.00” the stated APR is stated as being “32.6%”

The interest charged on the amount of credit is therefore £4,176.712

The first payment being on the collection of the goods i.e. “On the Date of this Agreement” is stated as £3,408.00

It then states 47 payments of £447.88, which amounts to a total of £21,050.36

Now this would bring the total amount payable to £28,635.072, which is not correct as the agreement states the total amount payable as being £24,458.36

 

7. The agreement refers to a first instalment of £3408, which includes the documentation fee of £225, the first payment being on collection of goods. This is incorrect as the repayments should be repaying the loan and the deposit paid should not be stated as being part of the loan.

 

As the documentation fee is included within the first payment and is therefore being treated as credit and not within the ‘Total Charge for Credit”. The agreement therefore fails to give regard to s9(4) of the CCA 1974 which provides that;

 

"an item entering into the total charge for credit shall not be treated as credit even though time is allowed for its payment".

 

The agreement was therefore not properly executed, and should be deemed unenforceable since it fails to contain the "prescribed terms" namely that it does not correctly stipulate a payment schedule that agrees with the stated APR.

The prescribed terms are outlined in schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) inter alia: -....

 

Here is the said agreement;

 

http://img19.imageshack.us/img19/7063/xagreementpg1.jpg

 

Here is a link to my thread incase your interested in the full story

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/189249-notice-return-goods-court.html

 

 

Thanks in advance

Link to post
Share on other sites

Hi Caggers

 

Could you please give your opinions in regards to the agreement below. The prescribed terms are incorrect in that the payment schedule does not agree with the stated APR. It took me a mammoth amount of time to actually work out the figures but I need make sure what I am saying is correct.

 

Here's an extract from my skeleton argument in regards to this;

 

 

 

Here is the said agreement;

 

http://img19.imageshack.us/img19/7063/xagreementpg1.jpg

 

Here is a link to my thread incase your interested in the full story

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/189249-notice-return-goods-court.html

 

 

Thanks in advance

 

i'm no expert BUt i think you should also feature on the "documention

 

i think you will find that the courts would say that the inclusion of this for interest charges would make the documentation fee exhorbitantly expensive and as a one off fee should not have been subject to you paying interest on it over 47 months at 32%

 

if this is the case then it makes the whole agreement unenforceable

 

i would suggst and accountant would be a good place to obtain an independent confirmation of your figures and exactly what this documentation fee actually cost you over 47 months

Link to post
Share on other sites

Blondie can you post the two CCA agreements up into this thread, I notice there are no cancellation rights on the agreement and I'm not sure if there is a significance.

 

Post them here ->>Is My Agreement Enforceable - Useful

 

 

Cheers

 

S.

Hi Caggers

Can anyone give me any advice, this is the link to my thread

http://www.consumeractiongroup.co.uk/forum/legal-issues/203669-ccj-copes-solicitors-arrow.html

the agreements i have already attached a couple of posts up

Thanks

Link to post
Share on other sites

'm not sure if this is the right place to ask this question - I'm pretty new to this

 

I have a loan that is settled and a credit card that is settled - can I still send for the agreements to see if they are enforeceable - they were taken out in 2000. If so and they are unenforceable can I claim back waht I have already paid them?

 

Thanks

 

mandy

Link to post
Share on other sites

Just a quick note to say that's two of my HBOS cards unenforceable, as they can't provide the correct paperwork. Even still, they are trying to accuse me of avoiding liability, ie, denying the existence of the debt, which I am not.

 

Be aware of this: it's duplicitous, an attempt to trick you into saying that you don't owe them anything, which they could then use against you at a later date. Choose your words carefully and don't let them trick you!

Link to post
Share on other sites

i'm no expert BUt i think you should also feature on the "documention

 

i think you will find that the courts would say that the inclusion of this for interest charges would make the documentation fee exhorbitantly expensive and as a one off fee should not have been subject to you paying interest on it over 47 months at 32%

 

if this is the case then it makes the whole agreement unenforceable

 

i would suggst and accountant would be a good place to obtain an independent confirmation of your figures and exactly what this documentation fee actually cost you over 47 months

 

Thanks

 

This is a good point. The thing is the documentation fee should never have been treated as part of loan. Do you know if this would could be related to some sort of "unfair terms" law/act?

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4831 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...