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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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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
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    • 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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Wage day advance DCA Debt & Revenue services


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Hi all,

 

I am new to this and would like to ask for some advice.

 

Unfortunately I got my self in a payday mess, I have had several which i now have payment arrangements set up.

 

Due to 1 tough month I did not stick to the payment arrangement with WDA and they straight away passed this to DCS (DRS)

 

The amount that was owed before i failed the payment was £340 - DRS have given me 2 options:

Pay £401 now.

Pay £580 over 6 months

 

I asked them to have a full break down of the charges added which I got the response of " it's the APR mate"

I wish I could pay the full amount but I am unable to.

 

I gave them an offer of £40 a month which they declined, I ignored the calls so I could have a think, they repeatedly called my work desk phone which got me in trouble as the calls are monitored. They said they will apply for a attachment of earnings which will be taken straight from my wage (again this does not look good to my boss I imagine), so now I am a bit worried.

 

If £580 over 6 months is the best option to you guys? then I would go ahead and do this, but without exaggeration I will be eating rice for the next 6 months.

 

Also does anyone have any experience with this DCA? I talked very calmly and professionally on the phone and the person I spoke to got excited very quickly like I owed him personally money, I asked them to please stop calling my work phone (stupid me for giving it to them on the WDA application) which i got a response we can call your work phone or your employer at anytime we want.

 

The stress levels with me are on the rise so would appreciate any advice.

 

Many thanks,

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Hi

 

Im not an expert but as far as im aware you if you hit financial difficulty you tell them what your paying each month as its all you can reaonably afford if they refuse drop the offer as they are doing nothing to aid you.

 

You can also file complaints to the OFT for those calls as they should not be calling you at work especailly if you habe said not to. Also complian using their own complaints procedure.

 

Others will be along to asist further.hope this helps

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They should also provide you with a full breakdown of charges an not just "its the APR" if you ask they have to provide it.

 

£40 a month is more then resonable in my opinion. But like i said you TELL them what you are paying as its all you can afford at the moment and as goodwill should stop interest and charges. If they dont drop them to £1 a month as thy are doinb nothing to assist you in time of harship.

I hope that makes sence.

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Thank you for the advice all, you have eased my nerves.

 

I will stick to my offer of £40.

 

Next time the call will be recorded (they are warned) so if they get abusive and continue to call at work I will complain

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An AOE can ONLY be issued as follows:

 

The debt is taken to court. The creditor wins the case and a CCJ is granted ( takes a MINIMUM of 30 days after the case is won). You then make no payments to the CCJ. The CCJ then heads back to court and you are invited to explain why you cannot make payments. If you dont attend, or dont inform the court then they have a variety o options at their disposal. This can take MONTHS.

 

However, if you give them an I&E sheet that shows you can only afford a fivcer a month, then thats all they will tell you to pay, and even then, payment is made by the method of your choosing. Normally Giro/Debit card or standing order.

 

In short, the creditor/DCA is lying and misleading you and you MUST make full and formal complaints.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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