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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 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. And, I also 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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      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.  

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      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.

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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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CitiFinancial Loan Assigned then Sold


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Hello EveryoneI

 

have been paying reduced monthly amounts on loan since 2007.

 

The loan does not feature on any CRA files.

 

I have received letter from Citi saying that:

loan will be transferred to Britannia recoveries s.a.r.l. acting in the name and on behalf of its compartment ;Atlas; (Britannica-Atlas)

and will be managed by Arrow Global Receiveables Management:

 

Any advice or information on these companies would be welcome. A quick yahoo search did not turn anything up!

 

Thankst

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  • 3 years later...

I have been paying monthly nominal sums direct to Citi for about eight years. This is for a loan account.

 

The account was assigned to Britannica Recoveries S.a.r.l. - Atlas ( described as B's "compartment") around 3 years ago.

 

About two years ago it was "purchased" by Arrow Global.

 

I got a SAR response from Citi 3 years ago. which provided details of all payments up to the date of the assignment, but no details of any balances not starting, running or nor ending.

 

My latest payment to Citi has been declined by Citi as my bank advises: "the beneficiary bank has advised that the account and sort code are incorrect" but I have used the same details for all payments for eight years.

 

I have only received statements after the first assignment for 2 years, one this last year and one 3 years ago, but I cannot check the starting and end balances for the reasons above.

 

Both Britannica and Arrow have the same identical address for their Data Protection Officer.

 

Should I send a SAR to both Britannica and Arrow? Or would Arrow have to supply all data since the first assignment?

 

Shouldn't I have received a more detailed statement, and also details of when a DN was sent, if one was?

 

Should I just wait to see if any correspondence comes my way, and not worry about any payments?

Thanks. t

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pers I'd sit on your hands

 

 

if / when they demand payment

 

 

then cca time.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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pers I'd sit on your hands

if / when they demand payment

then cca time.

dx

 

Thanks dx

Think I will do that.

I CCA'd Citi in 2012 and got a copy of the CA from them. Would it prudent to post it up here for comments please?

Thanks t

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Irrelevant really

The debt buyer must send it.

 

Tbh 99% of citi CCA.s are u/s

 

As they can never supply the correct t&c's

 

Most early citi agreements were shredded years ago

 

A read of a good few threads here

And in the financial legal forum

Orvthe dca successes forum

Will inform you better

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Irrelevant really

The debt buyer must send it.

 

Tbh 99% of citi CCA.s are u/s

 

As they can never supply the correct t&c's

 

Most early citi agreements were shredded years ago

 

A read of a good few threads here

And in the financial legal forum

Orvthe dca successes forum

Will inform you better

 

Dx

Thanks for that, i will take a look at some threads over the weekend. t

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