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    • The answers to the questions: 1Date of the infringement: 08/03 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] I did not receive any notice to keeper.  [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s The scanned PCN received on 17/04/2024 is in the initial post.  3 Date received only received keeper liability notice.  4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here: Yes  5 Is there any photographic evidence of the event? Give answer here: No but I didn't receive the initial PCN.  6 Have you appealed? [Y/N?] post up your appeal] Give answer here: No  Have you had a response? [Y/N?] post it up Give answer here: No 7 Who is the parking company? Give answer here: Parking control management (UK) ltd 8. Where exactly [carpark name and town] Give answer here: Royal leisure park, London W3.  For either option, does it say which appeals body they operate under. Give answer here: IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE If you have received any other correspondence, please mention it here: No.  Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  
    • typo just remove it dont expect them to comply and dont wait for them to do so. file our bland defence on time on mcol regardless dx
    • dump stepchange do it yourself! esp if some of the debts are historic and or could be subject t oany IRL complaints in the pipe line. stepchange simply advise to blindly paY DEBTS NEVER ACTUALLY HELP CHECK IRL OR ENFORCABILITY.(opps caps) as for this debt. then surely he should have some of his payments returned too>? the typical IRL action is to remove all interest then that leaves just the principle sum to pay.  then deduct from thAT sum any payments made, then either request remaining paYMENT TO REACH PRINCIPLE SUM OR REFUND any EXCESS paid + 8% simple int . dx
    • Thanks guys, that's reassuring. Let's say hypothetically, I went to court and I beat them. What would be the potential consequences of that for them? Would they be forced to leave the residence?
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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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nationwide visa chargeback dispute


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Does anyone have a link to the UK Visa chargeback policy?

 

I am trying to do a chargeback on my visa debit card and Nationwide are dragging their heels, stating that I am out of time (120 days).

 

However it is my understanding that if a service/goods is purchased in the future then there is a 540 day limit to claim.

 

Also, the 120 day limit can start on the day that the problem is known about.

 

Its a bit confusing cos moneysavingexpert states that the 540 day limit can be used if there is services are brought for a future date e.g. concert tickets.

 

Which? states that the 120 day time limit starts from the day the problem is recognised, upto a max of 540 days.

 

Who is right?

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thanks for the link, however I have seen it already.

 

the confusing part is the wording in one of the paragraphs:

 

When this starts depends on the specific circumstances but will usually be from the day you become aware of a problem.

 

does anyone know when the 120 days starts? According to which? it is usually when the problem is noticed, according to MSE it is when the transaction takes places, but there are exceptions!!!

 

this is so unclear

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why are NW refusing CB?

 

 

its when you realise the problem.

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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