Jump to content


  • Tweets

  • Posts

    • Hi. Many thanks for your response. You are correct it is Royal Barn Road that is stated on the PCN.  Where i was was Royle Road. I originally came from the Tesco side, was initially parked across the road where there are parking bays, then moved over to side where the double yellows are.  I did check the entire street from Tescos on, and there are no signs for restrictions at all. Also, the friend who owns the house asked the building company sales office today, who also believe the double yellows are old (some of them turn into peoples drives), and said there should be none.  - Obviously if the council have them as current thats besides the point. SO the big question is, given the PCN states very incorrect information, Location, and type of contravention, can it be challenged? Thanks
    • Please see below for the Witness Statement from UKPC received in the post on Friday, 3 May.  The letter is dated 1 May 2024. I am also including Exhibits 1, 2 and 3.   The remaining exhibits relate to the PCN's and other correspondence already posted on this thread.   The most glaring mistake for me is in Exhibit 2 (UKPC's OWN copy of their signage), NOT SHOWING that parking is not allowed between 22:00 and 08:00.  Note that this restriction IS showing on the draft sign approved in the contract between UKPC and their client.   Also, the site plan in Exhibit 1 shows signs against the wall of the building (depicted by a "W"); whereas the picture in my witness statement clearly shows no signs visible on that particular wall.   I look forward to hearing everyone's feedback on this! UKPC WS.pdf Below are the Exhibits UKPC EXHIBIT 3.pdf UKPC EXHIBIT 2.pdf UKPC EXHIBIT 1.pdf
    • Street did his best by removing any trace of the Tories from his campaign literature, as you say it's a shame for him. I see Sunak is clutching at the only poll that shows the Tories in not too bad a light, the hung Parliament one. The boss of Ipsos and Sir John Curtice have both said it's flawed. 'Sir John Curtice, the polling expert, also projected the Conservatives nine points behind in the national vote share but advised against using this ­data to estimate Westminster seats. He told BBC Radio 4’s Today ­programme: “It’s quite long been the case, certainly since the late 1980s, that the way that people vote in local elections doesn’t necessarily exactly mirror the way that they would vote in a general election.” '
  • 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
        • Like

Idem and CCA return on old TSB credit card


CATNAP1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2086 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello,

 

I have requested from IDEM my CCA,

initially they said they could not find it,

 

i stopped making payments,

they have since sent me an application for the cards i took out, dated 1993 with my signature on it, and what appears to be a generic copy of a CCA listing terms and conditions,

 

it has a newer address on this(not the one at time of application) and it states term such as a £12 charge if i go over my credit limit, which i did do in the past but was actually charged £25/£35 ( i believe the lower charge of £12 came in around 2006) therefore what i really want to know is this classed as a valid CCA or are they trying it on?

Edited by dx100uk
Spacing
Link to post
Share on other sites

Hi welcome,

 

 

Couldn't advise without seeing the actual CCA they sent back, clearly you'd need to redact all identifiers off it.

 

 

Can you scan and post it up?

 

 

When did you last pay anything towards this?

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!

 

 

Link to post
Share on other sites

I have uploaded them hopefully you can click on the link if i have done it correctly,

 

there are 4 pages listed under credit agreement /terms of use and 17 pages for the generic version of which i have uploaded.

 

I have stopped paying them for only the last two months, it is no longer on my credit file.

 

As mentioned before it contains a more recent address rather than the one when i took out the application, and states £12 charges for going over limit when i paid £25/£35

 

I look forward to receiving some advice, Thanking you in adance.

idem.pdf

idem1.pdf

idem2.pdf

idem3.pdf

Edited by CATNAP1
missing notes
Link to post
Share on other sites

" As mentioned before it contains a more recent address rather than the one when i took out the application, and states £12 charges for going over limit when i paid £25/£35 "

 

Then its been doctored and falsified to try to oblige with your request...forget them.

 

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Retitled and moved to TSB forum

 

No surprise its bogroll

Idem have been raid their filing cabinet again and playing pick and mix

Well done ob stopping payment!!!

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... 

Link to post
Share on other sites

  • 2 months later...

Hello, Just wanted to give a quick update, as annoyingly on some of these threads people ask for advice, get it, but don't tell you how it concluded, and i didn't want to be one of those people, after all the help and advice i was given.

 

One account out of the six accounts that IDEM had, appeared to be a valid CCA, the others fake, on making no payments to IDEM for six months, they agreed to settle at a 70% discount, this was paid on the understanding that it was settled with a zero balance and would not be sold on to another DCA in the future.

 

Some will think i need not have paid anything at all on the accounts without a CCA, but it was my choice to settle at this amount and i feel pleased i have, this way should(i know unlikely) a valid CCA crops up sometime in the next six years i would be liable for the full balance, this way it is now done and dusted.

 

Thanks for the advice given by this site, i for one am happy with the outcome.

 

Thank you!

Link to post
Share on other sites

Many thanks for the update and conclusion CATNAP.....:thumb:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...