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    • Where are you getting this none attendance from ?
    • I have just received a PCN with CCTV from Barnet Council of my vehicle for the following traffic contravention: 50R Performing a prohibited turn no right turn. The CCTV clearly shows the full length of the car turning left into the main road. However, once in the road there was space, so it clearly shows the vehicle turning right in the main road.   My question therefore is where does the contravention start and stop? Does the contravention apply to one road or both? Do I have any grounds to appeal? Is their any evidence I can use to help with my appeal if there are grounds? Best,  Derek
    • Yes because the claim is still with them and never been allocated
    • Hi All, I am hoping for some guidance before I complete my Directions questionnaire as the wording from the defendant (DPD) has worried me. Quick outline: Booked a parcel on MyParcelDelivery, chose the courier DPD with insurance to the value of £995.00 Parcel dropped off, parcel didn't move for 7 days so I queried with MyParcelDelivery They raised an investigation with DPD. After a few weeks DPD declared it lost and MyParcelDelivery asked me to complete a claim form. Over the next few months DPD just keep telling MyParcelDelivery it was still under investigation. Eventually I had enough so sent a letter of action to MyParcelDelivery, had no reply so opened a MoneyClaim. No reply to the MoneyClaim, requested judgement no reply again and was then informed they had gone into administration. Repeated the process with DPD, again no reply to letter of action, opened a MoneyClaim afterwards and this is where I am now They have responded with a few points: 1. They reject the claim in its entirety on the basis its been entered against the wrong party, it should be against MyParcelDelivery not DPD. I expected this and have read up on the Rights of Third Parties Act 1999 but I am hesitant to pursue as they have said they want the claim stricken and if not they will continue to defend the claim and pursue me for any costs or damages incurred. 2. They have also claimed to not have received a claim from MyParcelDelivery which I am not really sure how I can prove other than the 20 emails MyParcelDelivery sent me updating me of where we were with he claim process and DPD before they went into administration. 3. DPD local who MyParcelDelivery use is a sister company to DPDgroup Uk Ltd, I raised the claim against DPDgroup Uk Ltd so they are saying are not involved  I personally believe as DPD admitted they lost my parcel and I have a relationship albeit not direct with DPD. I also received an email confirming drop off from DPD not MyParcelDelivery and I have exhausted all avenues prior to this. And is it wise to mention MyParcelDelivery went bust as they are wanting me to claim against them and not sure if mentioning I can't is a plus or not? Thanks in advance for any help  P
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    • 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
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CFO data protection issue


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Hi, I'm new to this so hope it's directed to the correct place.

 

I have had a Guarantor Loan for 6 months with CFO Lending but due to unforeseen circumstances, I have now gone into a DMP with Step Change.

 

I contacted CFO by various methods to explain the situation and asked them to remove the CPA.

My bank have since re-deposited 2 payments that they have tried to take.

 

I took a call from them early in August and explained my situation and explained that Step Change

as informed me that if I could pay the difference between the DMP payment and my normal payment,

out of my budget, then this should be enough for them not to try to get the money through my Guarantor.

They said that there had been no communication from Step Change and the interest on my account was accruing.

 

I contacted Step Change who said they had contacted them

and they also sent me a breakdown of payments to my creditors, which CFO were included.

 

Today CFO have contacted my Guarantor and along with informing her that I am now 2 payments overdue,

Have also disclosed that I have entered into a DMP!!!

 

This as made me feel sick to the stomach and I could not bring myself to contact them with my anger.

 

Can they do this, or this abuse of my personal data?

 

Any help would be gladly received as I need to call them back at some point.

 

Thanks,

 

 

D.

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Hi, I'm new to this so hope it's directed to the correct place.

 

I have had a Guarantor Loan for 6 months with CFO Lending but due to unforeseen circumstances, I have now gone into a DMP with Step Change.

 

I contacted CFO by various methods to explain the situation and asked them to remove the CPA.

My bank have since re-deposited 2 payments that they have tried to take.

 

I took a call from them early in August and explained my situation and explained that Step Change

as informed me that if I could pay the difference between the DMP payment and my normal payment,

out of my budget, then this should be enough for them not to try to get the money through my Guarantor.

They said that there had been no communication from Step Change and the interest on my account was accruing.

 

I contacted Step Change who said they had contacted them

and they also sent me a breakdown of payments to my creditors, which CFO were included.

 

Today CFO have contacted my Guarantor and along with informing her that I am now 2 payments overdue,

Have also disclosed that I have entered into a DMP!!!

 

This as made me feel sick to the stomach and I could not bring myself to contact them with my anger.

 

Can they do this, or this abuse of my personal data?

 

Any help would be gladly received as I need to call them back at some point.

 

Thanks,

 

 

D.

 

 

Hi,

 

 

Yes the creditor is entitled to contact the guarantor as you have defaulted on the contractual payments and entered in to a DMP.

 

 

The terms & Conditions of the guarantor loan will include the process that would be followed if you defaulted on the debt.

 

 

There is no breach of the Data Protection Act 1998.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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