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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance secured loan - sold to coast now resale to swift advances!!

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hi , i have a loan from welcome F (secured) but on the credit agreement my address does not have the flat number of my home , only the address of the whole building as there is 8 houses in the building does this mean the agreement is not complete right?

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hi thanks for quick reply , what you mean by default my account , all the letters we receive from them have our correct flat number on it , just the agreement hasn,t , it was typed by them.



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hi , i have a loan from welcome F (secured) but on the credit agreement my address does not have the flat number of my home , only the address of the whole building as there is 8 houses in the building does this mean the agreement is not complete right?


it is a non-prescribed term which means that it can still be enforced with the leave of the court. it's a minor mistake.

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ah thanks , just asking as there a pain in the arse this mob when you miss 1 payment.



always telephoning when its time to pay and stuff.

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  • 2 weeks later...

hi all , I sent my request for the copy of the CCA to welcome fin who received the letter dated 27 june so they have till Wednesday 12th July to send it to me , what do i do if i dont receive it by the 12 calendar working days ?



cheers all

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Hi Razorc,


Post number 63 (above) from StoneLaughter might give you some assistance.


The trick here is read. If all else fails, by all means ask but most repetative questions are already answered.


Sorry if this sounds abrupt but if everyone asked all the same things in every thread it will take hours and hours of reading just to gain some more valuable information.



Good luck with your claim




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  • 3 weeks later...

just got my credit agreement from them and noticed mortgage indemnity of £550 on it


it was a secure loan of 5000 we got but with this added to it and payment protection insurance added the ammount of the loan has added up to £7142.05


ppi - £1357.05 plus the £550 for mortgage indemnity


question is these 2 amounts probably get interest added every month


have they the right to add this on - mortgage indemnity insurance


2 weeks ago i cancelled the PPI form them and told the feckers to recalculate my loan with them


but need bit of help with the mortgage indemnity insurance


can anyone tell me if a account is in dispute , can they still add interest on to the loan


having a nightmare with these


they are saying they are adding interest on to it


thanks all

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  • 1 year later...

Not to sure if it depends on why the account is in dispute, I had them on non compliance of a CCA request, I wrote to them and told them....


1) ask you for payment

2) add any charges or interest to the account

3) pass on any information about the account to any 3rd party

4) put any marke on your credit rating.


This advise was giving to me at t the time

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***


Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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Taken from the OFT Debt collection Guidance final Guidance on unfair buisness practices (July 2003) updated (December 2006)

2.6 Examples of unfair practices are as follows:


a. contacting debtors at unreasonable times and at unreasonable intervals


b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing


c. using more than one debt collection business at the same time

resulting in repetitive and/or frequent contact by different parties


d. not ensuring that an adequate history of the debt is passed on as

appropriate resulting in repetitive and/or frequent contact by different



e. not informing the debtor when their case has been passed on to a

different debt collector


f. pressurising debtors to pay in full, in unreasonably large instalments,

or to increase payments when they are unable to do so


g. making threatening statements or gestures or taking actions which

suggest harm to debtors


h. ignoring and/or disregarding claims that debts have been settled or are

disputed and continuing to make unjustified demands for payment


i. disclosing or threatening to disclose debt details to third parties unless

legally entitled to do so


j. acting in a way likely to be publicly embarrassing to the debtor either

deliberately or through lack of care, for example, by not putting

correspondence in a sealed envelope and putting it through a letterbox,

thereby running the risk that it could be read by third parties.



Look at (h)


Hope this helps

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  • 2 weeks later...

hi there can anyone have a look at my agreement having a totall nightmare of a time since nov06


loan over 5 years - been in dispite since no 06 - and made no payments.


reason is i have finally got them to get the ppi of the loan , and they are giving us a new agreement to sign without the PPi . Payment was £181.36 now it'll be £132 with 24months to go.


they are also taking all charges and any interest thats been added took off and giving us £350. as goodwill . (hooray not)


Also when we took out the loan which was in oct03 , which is a secured loan

- i live with my girlfriend who bought the house , i'm not named on it


at the time we took the loan i was in temp work ,

on the agreement i am named as the consentor ,

anyone know what that means and can they make me a consentor to a loan if am a temp worker ,


they have included my wage at the time with my girlfriends.


i can scan the agreeement if anyone wants to check it out for me


thanks all

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Allo Steven , heres our orginal agreement with welcome , if anyone can have a look at it for us


link here - Image of agreement - old one - Photobucket - Video and Image Hosting



trying to find out these answers


1 - I am named as a consentor on it as i am not named on girlfriends mortage and at the time they included my wages as a temp worker as my girlfriend would not have be able to afford the loan , so should we have been accepted for the loan


2 - does the agreement look all ok ?


thanks for the help :)

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Hello Razorc


I am not an expert, this is my opinion only, best post it on those threads I mentioned, if you can get peterbard to have a look at it. He is the best and very helpful.


It looks like all of the prescribed terms are there. They have been very carefule to state the ppi and that you fully understand the process. Did you receive the policy and the terms and condition of the ppi


Things I think are a bit difficult to know so may need the expert. It states that it is an application for the loan as they will be referring to the credit reference agencies. There is no cancellation rights. and at the bottom rt hand corner it state your rights. Something about you should have received your agreement 7 days prior to signing . Did that happen???? There maybe something else to do with the total charge for credit not being applied correctly. There is no date in your signature box.


Sorry I cannot be more helpful, but these are my observations so I am not sure that it is enforcable or not


Please do post the agreement on those thread. The more opinions you get the better.


Good luck, will watch with interest.

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If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I don't think this is an a copy of an enforceable agreement. Section 127 of the Act:

127.--(1) In the case of an application for an enforcement order under--

(a) section 65(1) (improperly executed agreements), or

(b) section 105(7)(a) or (b) (improperly executed security instruments), or

© section 111(2) (failure to serve copy of notice on surety), or

(d) section 124(1) or (2) (taking of negotiable instrument in contravention of section 123),

the court shall dismiss the application if, but (subject to subsections (3) and (4)) only if, it considers it just to do so having regard to--

(i) prejudice caused to any person by the contravention in question, and the degree of culpability for it; and

(ii) the powers conferred on the court by subsection (2) and sections 135 and 136.

(2) If it appears to the court just to do so, it may in an enforcement order reduce or discharge any sum payable by the debtor or hirer, or any surety, so as to compensate him for prejudice suffered as a result of the contravention in question.

(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a) (signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

Section 127(3) makes it clear that an agreement is only enforceable if it is singed by you and has all the prescribed terms of the agreement. THis last is interpreted as meaning on the same side as your signature not on the opposite side as here as you need to be seen to have signed up to them.


Perhaps someone else will confirm.

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