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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, 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 will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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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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    • 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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Jeez ! It's all happening today.

 

Had a phone cal back from MBNA advocates office. There really is nothing they can do regarding the missing statements. It was suggested that if I look at the previous and prior months statements then I could see what charges were added on to the account. ......... Long pause by me............... "I take it you are looking at the charges on your account to see if they can be refunded" Up until now, I have not mentioned charges at all. MBNA mentioned them first.

 

I said that the only thing I can do is look at the worst possible scenario as to what charges could have been applied and ask for them back on top of what I alerady know they owe me.

 

I was also told to write in for them to be refunded and it will be dealt with "in the usual way" .. Wooooooooooohhhhhhhhhhhhhhhhhh !!!!!!!!!!!!!! They are obviously deaing with a lot of these then.

 

I remained calm as the chap I spoke to was very polite. No point having a go at him personally if their disks that store the info have lost a load of my statements. Will keep you all posted.

 

Keep the faith !!!!!!!!

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It's looking good for you ! :D

 

Have got MBNA in my sights too but haven't got round to them yet...

 

Busy concentrating on Egg, Cahoot & First Direct first...

 

Best of luck.

 

If you think they might settle amicably... then wait for that to occour. But I would still refer them to the commisioner for losing your statement once everything else has been resolved.:D

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As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

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Yeah, I 'll see how things pan out with them. if they pay the most I could have been hit with in charges for the absent months then I' m not sure how I would play it.

 

See what happens, I'll keep you posted.

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I sent them my LBA last Friday giving 14 days notice and lo and behold I got a letter (dated same day) with a complete list of statements from Kathryn Hand the Head of Customer Relations. My LBA asked for a refund of £1675 and after adding the statements up it is actually £775. Reading the statements I did n't realise I had paid the full balance off on more than one occasion, I did have a goodwill gesture from them in February and they refunded £150. Anyway I have written to them giving them 14 days from 28th April to refund the £775 or I will commence action against them without further notice.They have until 12th May or Hi ho hi ho its off to court we go.

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Update Guys

 

Ok, from the statement they have sent me I have over £300 charges. Reading between the lines on the others there is about another £200. So this makes me think that these have purposefully been missed out. Do the maths 60 statement and 7 cannot be given. So that leaves 53 on which there are £300 charges scattrered about. Averages a charge of £5.66 per statement. Yet 7 statements with £200 charges averages £28.57.

 

Perhaps I am being a but paranoid but it seems remarkable that periods of time when most charges were added consistantly they cannot provide the statements.

 

Anyway, 1 st letter sent today informing them I want £500 back, removal of late payments from my credit file or I will go to the IC and report them for a. not providing my details and B. not storing my details carefully enough.

 

Will let you know how things go. Not till next though as I'm now off to Ireland for a weekend on the beer ! Oh, and my best mate gets married there as well !

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Much as it seems suspicious I can't believe that they could be that duplicitous...

 

Can they ? :confused:

 

It would certainly add an extra element to any claim to the information commisioner though ! :D

 

Have fun in Ireland... Have a guiness for me ! ;) (really need a beer smilie !)

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Yes, they can - banks are the most devious institutions on the planet - I would put nothing past them.

 

They rely on people thinking that they are still respectable - they lost all respect some time ago, with constant lies and unlawfullness.

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Have not sent DPA yet to these guys, but had an accident whilst i had my account running, lucky i had PPP with it. Yes they paid out a yrs worth.

But my balance remains the same, in excess of 12 k I am not back at work. Due to my accident. But wait till i hit them with the DPA charges.

I am sure my balance will drop considerably. They have been good though not registered any ccjs as of yet.

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I will be gunning for them after I've finished faffing with Nationwide. ;)

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Anything I say is my own opinion and in no way am I a representative of Argos Ltd, Home Retail Group plc or any of its companies. No terms are created, nor liability accepted by myself or the for-mentioned companies for any personal advice I provide in my posts.

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Have fun in Ireland... Have a guiness for me ! ;) (really need a beer smilie !)

 

Meant to post on Monday...

 

So how was your weekend SS ?

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As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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I remember from my banking training that proper records have to be kept for a certain period. This may be a Financial Services Authority requirement, or it may be part of the Consumer Credit Act.

 

If I can find my big book, I'll look it up and post tomorrow.

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its 6 years by the regulations, so they have to have that amount at least...

 

Which regulations ?

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DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Guest Lueeze

im pretty sure its the FSA, but i need to double check it, cant find the thread i need...

 

Hold tight!

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The 40 days were up yesterday. 7 statements missing and no file notes from MBNA. What should I do from here guys ? Is there any devious way I can really stitch them up ?

 

Speak to alanfromderby. He has just started proceedings against Abbey for non-compliance with DPA.

 

If you haven't already, start your action against MBNA using the figures as you believe them to be. They will have to disprove them.

 

With regards to the file-notes... I'm not surprised. I don't think I've heard of anyone that has recieved them. All to your benefit as it will be very difficult to prove manual intervention without them.

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DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Nice one Dinghy

 

Need I point you in the direction of the scales in the top right corner ??? (hint hint nudge nudge !:D :D :D )

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If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Now, this is an interesting one as they are claiming that they have "lost" the information. My inclination would be to use the template letter for DPA Non-Compliance, listing the information you are missing.

 

They then have three choices:

 

1) To "find it" and send it to you within 7 days - problem solved.

 

2) To admit in writing that they have "lost" it - which would warrant a complaint to the IC, and possibly the FSA, for poor management of your data.

 

3) To ignore your request - which would warrant a county court action under section 7 DPA (Bank Template Library) - and in due course a complaint to the IC and the FSA.

 

This would not stop you continuing with an estimated claim - and should it be found later that the amount is significantly different then the claim can be amended at a later date.

 

 

 

 

 

 

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