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    • 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.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • 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
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Mrsc-v-associates/Citi Cards


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Hi I recieved a letter today re my SAR to the associates/Citi cards to clarify we had a visa card with them then we took out a loan the first 16/02/01 until our secured loan application went through 26/03/01 the visa card was paid with the first loan. Had some problems and missed a couple of payments after 14 months, got back on track but then in 2003 our home was repossessed by the bank due to mortgage arrears (husband out of work) house was sold and they received their money dec 2003 full settlement figure.

when I sent my SAR I quoted the loan account number but have noticed that they have not mentioned it in there letter to me only the visa card number I require all data re the loans also, I am not very good writing letters and wondered if any one can help with what I should include in the reply they are also requesting ID as we are now at a different address well obviously the house was repossessed they knew that sorry just starting to get annoyed with them.I don't want to miss anything out just unsure of what to say any help would be most appreciated.

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  • 1 month later...

Hi

The only responce to my SAR sent 12th July has been a letter from them asking for proof of identity which was sent back to them 31st July they have come up with just one sheet of payments made by us and that is all I have received.

we had 2 loans the first one only lasted for a month Unsecured then they added that to the secured loan.

We also had an associated credit card that was paid with this loan.

 

Surely this is not all they have to provide the 40 +2 days run out on the 23rd Aug.

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Have letter ready to post now took ages I am not very good at this sort of thing never sure of what to say.

I have just outlined what I need from them.

I remember we had a problem with them after the loan was paid in full they didn't register it with the CRA we had to dispute it with experian they did finally mark as settled 2 years too late.

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  • 1 month later...

okay not sure what to do now should I send letter asking for proof of destruction ? or...I have copies of the credit agreement my own (yes a bit of a hoarder)Shoule I just go for the PPI back, the only thing I am not sure about is when they they added the loan to the secured loan if there was any rebates I did ask for the information and they have said that they no longer have anything to do with this account on their files.

the first loan

1029.00 total paid to customer

4970.44 refinancing

2585.10 Optional insurance ( My xxxx)

100.00 arrangement fee

Amount financed 8685.10 (their adding not mine)

Interest rate 2.14%

per month APR 29.7% variable

60 months at 258.67

feb 2001

 

2nd loan secured Taken out in March 2001

3462.00 Loan

16,537.47 refinancing

4703.00 optional insurance

400.00 arrangement fee

total amount of credit 25102.47

Interest rate 1.77% per month

APR 23.5%

120 months at 498.47

 

Payments made to account 10,968.93

settlement figure 31,996.69 Nov 2003

Interest rebate 17,476.24

insurance rebate 869.44

 

So do I just add the 2 amount for insurance together, now I am getting myself confused or any suggestions please.

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After I sent the letter on the 5th, I got a reply from Manchester saying that they no longer have any info for the account they then sent it to Sunderland they are saying the same thing no details of the account.

 

I am interested to see if I can claim back the PPI as it was definetly miss sold No PPI NO LOAN.

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As your second loan was secured, it was probably arranged by

 

Future Mortages6 Admiral Way

Doxford International Business Park

Sunderland

SR33 3XW

 

which is a division of CitiFinancial, rather than CitiCards.

You still have a copy of the agreement, so that should confirm the above.

If so, then you need to send a S.A.R - (Subject Access Request) to them.

 

If I'm wrong, let us know who the secured loan was arranged with.

 

I have asked for this thread to be moved to the PPI Forum, where you should get more experienced advice and attention.

 

Els:)

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Thread moved :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hello Mrsc,

 

Didn't know you had another claim going. You appear to be talking a lot to yourself. where was this thread posted.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Hellhas,

 

Told you I would be back with a biggy,as for talking to myself I am quite good at that:D It was originally in the citicards threads.

 

 

Hi Elsinore,

 

The loan was taken out with The Associates,Citifancial took them over.

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  • 2 months later...

Update .

 

Have to get into gear with this one.

 

This is the details from the agreement:

 

1029.00 total paid to customer

4970.44 refinancing

2585.10 Optional insurance ( My xxxx)

100.00 arrangement fee

Amount financed 8685.10 (their adding not mine)

Interest rate 2.14%

per month APR 29.7% variable

60 months at 258.67

feb 2001

 

2nd loan secured Taken out in March 2001

3462.00 Loan

16,537.47 refinancing

4703.00 optional insurance

400.00 arrangement fee

total amount of credit 25102.47

Interest rate 1.77% per month

APR 23.5%

120 months at 498.47

 

Payments made to account 10,968.93

settlement figure 31,996.69 Nov 2003

Interest rebate 17,476.24

insurance rebate 869.44

 

So the total PPI on the two loans come to £7288.10 having a major problem with working out the interest.

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