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    • Thank you all   JK, I agree; if they were to accept my full claim today, then the interest would be around 8-9 pounds. If I were them, I would have offered to pay the interest and said no to the 12 pounds for the letters. These have not been mentioned, which is my mistake.   As you pointed out, if the judge were to award at 4% and I did not get the letters, I would get less.   Bank, thank you. I do hear what you are saying. If I am to continue with this, then I will need to pay an additional trial fee of £59. If I win everything, then great, but if I win less the claim and court fee, then I lose out. I am not sure what the judge will think about the interest. I think we have to remember that I won the item and, therefore, did not pay a penny for it. Yes, I have had to purchase an additional one, but maybe the judge will hold this against me. I am content that this is a win. I have not signed any non-disclosure clauses, and they do not ask for this either in their offer. 
    • Are you saying that both businesses were closed? Yet you stayed there for over two hours. . If both were closed than to charge £100 is a penalty since Horizon had no legitimate interest in keeping spaces clear for the company. sake as there were no customers..
    • Well you would think that would be the case. Sadly i doubt there is one honest broker within the BPA or IPC and most of their members. they are there to take as much money as they can from motorists regardless of PoFA.   Take the Consideration  period for example. This is a minimum of 5 minutes to allow motorists to find a parking space, read the T&Cs giving them enough time to leave the car park without having to pay if they decide not stay. Simple. Well it would be simple if it were any other company than BPA [or IPC who have now fallen into line with BPA's "reasoning"].  You see if you decide to stay then despite the fact that during the Consideration period when you still weren't classed as parking , once you accept the terms [with all the underhand little tricks designed to trip you up] that five minutes is now included in your parking time. [No not the parking period because the poor dears who ANPR cameras are apparently unable to work out what the exact parking period is since their ever so infallible cameras [yeah right] are incapable of tracking cars once they are in a car park]. After 12 years they still haven't worked out a way of doing it. Some of them fudge and the majority [with a wink fro their ATA [Accredited Trade Association though it should be Discredited Trade Association] just ignore the parking period all together. This is what BPA claim is the Consideration period Entrance grace period: This is for when motorists enter a car park, read the signs and/or attempt to make payment then leave. In these instances, motorists must be offered a reasonable amount of time before an operator takes enforcement action, but we do not define this time, due to the variance in size and layout of car parks. An entrance grace period for a small, permit-only car park could be below 5 minutes, whereas for a large multi-story this could be 15. But  heaven forbid that anyone should leave 6 or 7 minutes after entering  their member's car parks. . They are dutybound to receive a PCN. This is regardless of how busy the car park would be [Christmas eve for example ] .Our minimum is their maximum. Moving on to Grace periods. Again BPA gobble degook. Exit grace period: This must be a minimum of 10 minutes and this is when a motorist intends to stay – for example, if you paid for an hour but spent a total of 1 hour 10 minutes on-site, you will not receive a PCN. It is important to note that the grace period is not a free period of parking however and should not be advertised as such. If that ten minutes in not free parking what is it. their members all think they can send out PCNs for anything after 1 minute after the exact time never mind ten minutes. Our snotty letters have stood the test of time. Do not try to reinvent the wheel -especially with DCBL . They don't even know what a non compliant PCN is for goodness sake! You already know more about PoFA then they do. However if you include that they will find a way to disabuse the Judge of your logic and the law. So don't give them the chance.  I am sure you have the Parking Prankster going on about the rogues misusing the rules on planning permission by lying and stating that they had "retrospective permission". There is no such thing in English law yet Judges were swallowing it until one Judge pulled up Parking Eye about one of their Witness Statements alluding to "rp" by claiming it was "tantamount to perjury".  It wasn't tantamount,it was plain and simple perjury. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro... Hope it wasn't too long winded Nicky Boy.🙂
    • and more immediate issues WT* is the UK doing. Ukraine needs these funds and weapons NOW Lets sincerely hope this isnt another Tory VIPal skimming issue.   MoD accused of ‘go-slow’ with half of £900m Ukraine fund unused | Defence policy | The Guardian WWW.THEGUARDIAN.COM Delays mean just £404m of the money donated by nine countries has been committed or spent  
  • Our picks

    • 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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hi im new on here

i could do with some help regarding brighthouse

 

my marridge broke down 2 years ago and im not proud to say i had to use brighthouse for a tv fridge and washing machine

 

my weekly payments are £48.00

i took out the tv and washing machine in june 2016 and the fridge november 2016

 

i kept up with payments until september this year when my hours at work were cut by 50 hours pm

 

i contacted my store but they were very rude and would not lower my payments

as a result i am constantly in arrears

 

when i phone to make payment there is always a extra 12.00 added

 

today i had to pay 61.00

 

i have the osc and other insurance

 

can i claim this back

as i suffer with anxiety and the constant texts calls and visits every week are making me stressed

thankyou.

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yes you can reclaim the OSC/DLC from day one.

and if these £12 fees are penalty fees for being late/over then those as well

at THEIR int rate too.

 

STOP PHONING THEM

writing only from now on

and use BACS to pay them online too.

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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hi dx thankyou

 

the 12.00 are penalty fees .

 

i was told i cannot pay by bacs

they had my card details but i cancelled my card and call the automated payment line

 

i have been reading the posts on here and do i send the letters to my store and head office

 

the calls and texts will start again tomorrow

 

what i paid today was for last saturday .

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You can pay by bacs. They cant stop you. You also dont have to pay their penalty charges.

 

If you have their bank details, pay by bacs, and use your agreement as a reference number. Then inform BH what you have done. If you get calls and texts, block them and send them to your providers spam number

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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oh dear

time to get reclaiming those fees

and the insurances

 

have you all the statements?

 

if you are ringing

how are you paying ..new card?

 

pop them in this

put BH apr in cell d15

 

CISheet v101.xls

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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just remember they have zero legal powers

esp their stupid agents

 

they are NOT BAILIFFS

so if you get some dirty mac brigade from them at the door

tell 'em to leave or you'll call police 101

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

yes

i have the pleasure of him every week without fail

 

im currently setting up a debt management plan with step change

can brighthouse be added to this

 

i have been paying for my tv and washer for 18 months and will not give them back

 

with all the money i have paid ive probably paid the purchase price already .thanks

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Yes of course you can

 

And its more like 3 times over

 

What other debts have you

Its better to do the DMP yourself

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

i have outstanding debt to provident and water rates

 

i was managing ok but when i lost 50 hours a month it really set me back

 

provident have let me do half payments for 6 weeks

but now want full again and i cant afford 60 per week .

 

its mainly the harrassment from brighthouse that stresses me

i will never ever use them again

they are like vultures and dont care

 

they were all smiley and happy when i used to go in store to pay

but as soon as i was in finacial trouble they changed

 

one woman staff member is really horrible

so i refuse to go in anymore.

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You TELL Provi what they'll get, they DO NOT dictate to you what you will pay, it doesn't work like that.

 

Do your own I&E form and work out what YOU can realistically afford to pay, if that's £1 a month then so be it.

 

Is it wast water or clean water rates you're having trouble with?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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well you ignore them and do your own thing

there is really stuff all BH can do

they never goto court and never will

pay what you can COMFORTABLY pay when you can.

 

as for provi

same there too.

do you have a doorstep agent that comes?

water rates can get a CCJ and p'haps the most priority here

funnel your funds toward paying that off

drop ALL THE REST

to

 

send all of 'em our offer letter of £xx for xxmts

if they freeze all charges and interest

 

its in the debt collection section of the library

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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thankyou my ex husband used to pay the water rates but stopped

i had it transferred into my name and got stuck with all the arrears

 

i owe about 1500

im currently paying 50 .00 per month.

 

yes i have a doorstep agent

i did not pay last week and have about 20 missed calls on my phone

 

im really trying to get myself straight but it seems a uphill struggle at the moment.

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text the doorstep agent too not to call anymore

you are dealing direct with provi

 

send those letters!!

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

yes i have a doorstep agent

i did not pay last week and have about 20 missed calls on my phone

 

Tell the 'agent' to stop calling you, if he persists then you will make a complaint of harassment to the local police and show them the evidence of his harassment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Have you checked your water providers web site to see if they have any schemes that help people with their water bills if they get into difficulty? United utilities have a scheme that matches pound for pound what you pay!

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your bank will have the details of where the money went when you paid by card so ask them.

 

They may have it all to hand undar a faster payments ref and if not you can set that up so you can pay by phone/internet/in branch without giving your details to Brighthouse

 

also agree with the other posters,

get your statements together and tally up all of the unlawful penalty charges

then let them know that you are now wise to all of this chicanery

 

you will be after a refund plus interest and dont care if it is the easy way or the hard way because the longer they delay it the more interest you will earn on the money!

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