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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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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.

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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.
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      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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Help Removing a Cifas!


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I have recently applied for car finance through a dealership and they said id been approved through welcome car finance, i agreed and provided the appropriate doc's to the dealership and they sent the doc's to welcome

 

a few days later having realised the extortionate amount of intrest i was planning on canncelling the agreement, that same day an underwriter called to verify everything and later on that day the salesman from the dealer asked me to come in and sighn a dvla mandate (as my paper license was so worn out the scan didnt come out clear)

 

the next day i called the dealership to say that i didnt want the car so to call welcome and cancell the application a few days later i received my documents, and too my suprise when checking my credit file last night welcome Cifased me?!?!?! i provided utility bill, wage slip, bank statement, and drivers licence

 

Now i dont have a Clue on how to go about attempting to remove it but as far as im concerned all info provided was 100% accurate, please could someone point me in the direction of possibly a template and how to go about removing the Cifas

 

Thanks in advance

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  • 4 months later...

OK .. I can completely understand how you feel. Not only that, but those damn (un)welcome jokers also registered one of those against me last year.

 

I've recently settled just such a case with HSBC, who have registered a Cat 4 CIFAS against me following an account opening application.

 

The way to approach this:

 

1. Write to them stating that the info you provided was true and accurate, and you see no reason for the CIFAS warning to be registered. State that this is an "OFFICIAL COMPAILINT" and that you demand it to be investigated as such, giving them 28 days to respond.

2. Make sure to send the above by recorded, special delivery.

3. Make sure you are a) factual, b) professional and c) sticking to the point.

4. Once they respond, their first response will be to stick to their guns, and stating this is a "Final Response Letter". This is actually a good thing (see 6 below).

5. Write back to them, addressing any further issues in their letter, and stating that you decided to write to them to save both them and you costs. State clearely that you are then going to CIFAS, the Banking Ombudsman and the Courts if you are not satisfied. Give them 14 days to respond.

6. If you are still getting a negative, forward the letter you got in (4) above to CIFAS, and ask them to mediate. This will usually resolve it outright: the last thing they want is a mediation that takes time to resolve, that surely will

7. If (6) still does not work, do not go to the Ombudsman. There are two reasons for this: a) it can, and usually will, take up to 56 days to complete an investigation and b) their decisions are not binding, though respected. Take it straight to the courts, bring a claim in the county county court against them for violation of principles 4 and 6 of the DPA. Claim compensation and distress damages + interest under section 13 of the DPA.

 

I won't say "I hope this will help" because I know it will help, and you will win if you have been upfront. Judges are particularly nasty to violations of the DPA, and Welcome will never let it get that far. Then there is offcourse the element of them paying a lawyer to appear in court, which is a £2,000 from the word go for each appearance.

 

Good luck. Be firm, be factual, and let us know how you get on.

 

BTW, if the information here proves useful, appreciate it if you can leave me some score feedback.

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  • 1 month later...

Hi there I was reading this post and though you could maybe give me some advice? Sygma Bank UK has placed a CIFAS waring in present address and 2 previous addresses, I dont even know the company.

Anyway I got the address and have written to them twice, and they havnt responded to either letter. What action can I take? Can I go direct to CIFAS to get them to investigate?

MBNA - £308.40 charges refunded :roll:

Halifax - £190.00 charges refunded

RBS - £2100.00 bank charges refunded :p

RBS - Pursuing PPI claim and removal of 3 defaults

Barclaycard - £290.00 charges refunded

T-Mobile - default removed :grin:

Littlewoods - no CCA - removed account

Forth Housing - CCJ to remove :mad:

Lloyds TSB - Pursuing refund of £800 charges

JD Williams - no CCA - pursuing

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  • 2 months later...
  • 5 months later...
  • 5 months later...

I have one from HBOS about a mortgage application it was done through a broker who has gone bust, I dont know why it was declined he blamed the credit crunch, I didnt even see a copy of the application...

 

I sent HBOS an SAR, but still havent got a response? Should I just complain to them?

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  • 7 months later...
I have one from HBOS about a mortgage application it was done through a broker who has gone bust, I dont know why it was declined he blamed the credit crunch, I didnt even see a copy of the application...

 

I sent HBOS an SAR, but still havent got a response? Should I just complain to them?

 

Same thing happened to me, can anyone help me here is my story.

 

Hi there,

 

I have noticed that I have had a CIFAS - facility granted placed on my credit file last December for a mortgage application that I got approved for. I am currently looking into having this removed as I feel it has been placed on my file incorrectly due to a mistake by my mortgage adviser who along with the company he had, are no longer in the industry.

 

What I am really worried about though is the fact that the CIFAS warning is placed against my parents address and not my new address. You see I moved out of my parents address last year when I received this mortgage and the CIFAS has remained against that address even though I don't live there. I don't want my parents finding out that this CIFAS has been placed against that address. Should the mortgage company not transfer this cifas from my parents

address to my new one? I feel that it is unfair that the cifas will effect my mum and dad but not me even though it is effectively against my name.

 

Can anyone help me this is really ruining my life right now. :Cry:forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifCredit Report Click link to open in new window.

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  • 1 year later...

hi same happend to my son he had fraud comitted against his bank account they registerd a marker against him on cifas he only 18 starting out cant get credit they said if i paid the amount question they would remove i paid and they never removed this is hbos what action can i take against them i have letter in writing to say they would remove now they gone back on their word please advise this has ruined his chances of any credit can i take them straight to court

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The standard of evidence necessary for a CIFAS loading is enormous - similar to that which would be necessary if the CPS were to prosecute.

 

If Welcome were provided with information by you or by someone else which is of the standard necessary to achieve this level of proof you should take up with Welcome and with the dealership.

 

In the circumstances, hit both up with SARs.

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