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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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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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Toothfairy Account no longer showing with CRA


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Having checked my Noddle credit file this month (sometimes out of date data from CallCredit; so taken with a pinch of salt naturally) I noticed my Credit Record was no longer showing Toothfairy Finance.

 

The balance of the loan when it last was displayed on Noddle was around £3,200 for a £400 loan :jawdrop:

 

Has anyone else noticed if their loans are still on their credit files?!?!

 

No phone calls or emails from them in a very long time and I will not be considering a call to their 0843 number to find out what's going on.

 

Take it steady all :-)

 

Nuke

This is how I spend most of my life :ranger:

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Could be in the process of being sold or updated.

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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  • 2 weeks later...

Gone from mine too! Just checked Noddle, it definitely used to be there. My new report can be viewed in 9 days so i'll check back then, but its gone.

 

How very odd!

 

Not that I am complaining at all I might add, but i'm not counting my chickens (or defaults) just yet!

 

H :)

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Toothfairy belongs to Web Loans Processing. I found out that company has been managed since last year by the Gullestrups (Per and Tanja) following a divorce. It looks like they closed the company down and bought all our debts as a new company. I managed to get the info from one of their collectors from the collection department. They do not know much more than that in the department. They do not know the name of the new company. But they are convinced it is still the Gullestrups and Jordan Taylor. The department is also closing down, so don't expect many phone calls for now from them. I am sure they will call us again when they are ready.

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Yeah i was involved in a case with the ombudsman and the OFT against them, after getting them involved i negotiated a debt in the £1000's down to £626 (which i thought was the fair amount), anyway paid them £300 and then didn't hear a word from them so stopped my payment plan and not heard a single word since! Website hasn't been working for ages either! Hopefully they have been busted by the OFT

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They started again? I havent heard a peep out of them and im still £100 short of repaying what i took out in the first place. Did you also contact the OFT? I filed a case against them, although they dont pro-actively help you like the fos, the more cases they receive will more likely lead to TF getting into the sh*t they deserve.

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They started again? I havent heard a peep out of them and im still £100 short of repaying what i took out in the first place. Did you also contact the OFT? I filed a case against them, although they dont pro-actively help you like the fos, the more cases they receive will more likely lead to TF getting into the sh*t they deserve.

 

I tried to call them. They don't pick up.

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i am having problems with these guys aswell

 

i have been trying to contact then since the 28th november but no success, i recieved an email from them yesterday about being pursued by baliffs if they do not here from me in the next 24 hours, abd i have heard nothing today.

 

is anyone actually getting contact from them via a person or is every contact machine operated

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The last I heard from them was a couple of months ago. I spoke with some girl on the phone and we had a game of hi - lo. She wanted lots of charges added and I wanted to repay only what I owed. The conversation

ended with her telling me they were sending around their baliffs lol. They still havn't shown up. I'm kinda hoping that they send someone around so I can tell them where to go but that won't happen as every one knows the Baliff thing is a pack of lies.

I havn't been getting their silly texts and emails for the past few weeks either though.

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Make sure you have statements ready. If they sell it, theyll sell it with the charges and other unlawful fee's as well.

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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