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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 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 everyone.

 

I've been on the site for a while now, but have never gotten around to posting a hello, so here it is! Hellooooooooooooooooooo :p

 

I'm trying to cut down the debt I owe Barclays. I've got all their statements, thanks to Template 1, since before they closed my account, due to none payment of my overdraft. Just not gone round to going through them yet. It's a nightmare, with about 6 years of statements to go through. I know I should do it at some stage, but even looking at that pile frightens me lol.

 

I'm also trying to do the same with a Catalogue company called Ace.

 

I wonder, can anyone tell me if we can use the Banking Letters template 2 for the Catalogue company as well? I've got the statements, but i'm not sure whether the law on Banks applies to Catalogues as well, regarding late fees etc. If someone can verify, that would be great.

 

Thanks all,

 

Lisa

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Tip for your statements ..... get some highlighters ........ make a large mug of tea/coffee then take it a page at a time mark each charge with the highlighter ...... once you have been through them once have a break make another large mug of tea/coffee then go through them again :)

 

then toy will need to input all the charges into a spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html i found the simple one the best an example of how to is found here http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

once done treat yourself to something a bit stronger than tea/coffee :)

 

With reguards to Ace .... the charges are still penalty charges and as such can be treated like the bank charges :)

 

You will find it helpful to yourself and others if you start a thread in the appropriate forum ... for Barclays thats here http://www.consumeractiongroup.co.uk/forum/barclays-bank/

 

For Ace i should imagine it would be the general found here http://www.consumeractiongroup.co.uk/forum/general/

 

Hope that helps

 

saint

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Hi Lisa and welcome to CAG,

 

Re Barclays charges, come on over and join us in the Barclays Forum and start yourself a new thread.

 

Start off by reading here - http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Have a look here for the items you want to reclaim - http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/92004-charges-can-claimed.html#post867497

 

Enter the charges carefully using the site's spreadsheet which you'll find here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

When you've listed your charges, send your Prelim Letter to your branch.

 

Use the same spready (a separate one, of course) for your catalogue charges and, when you've done that, shout and we'll point you in the right direction.

 

Good luck, Slick

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Thank you both for your help.

 

I wonder, i'm seriously in trouble with 3 credit cards as well. Basically, i've got to the stage of collections agency letters and calls to my home now.

 

Do you think it's worthwhile doing the same thing to the credit card companies? MBNA have been the worst, i've received at least 30 calls a day from them, and that's no understatement!

 

I've also been charged late fees on my mortgage, which ive not been able to pay for 6 months now. There is a possibility i'll be able to pay the backlog off in a months time or so, but either way, is it worth reclaiming from them as well?

 

The same goes for a secured loan I have. That's a bigger problem, because I doubt i'll be able to repay them, and they're looking to repossess, but would it be wise to do this to them as well?

 

As you can tell, i'm in one hell of a mess. All i'm really trying to do here is cut down what I owe them all, by getting them to put any credits i'm due back into those accounts, reducing the debts I owe to them all.

 

I'm going through CAB regarding the debts anyway, before anyone asks, but advise regarding the rest would be an advantage.

 

I'm really unsure about the mortgage and secured loan mostly, because obviously the mortgage company could repossess or close down my mortgage account if i do this to them, as i've heard banks do that to their customers if they claim against them.

 

If anyone is wondering by the way, my debts are with Barclays, MBNA, A&L, Egg, Northern Rock, Ace, and whichever one Carole Vordaman advertises for, and possibly Cap 1 as well, although i'm not 100%, I need to check.

 

Going back to sink in my swamp now, bye x

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i have a question about the interest spreadsheet.

 

where it says 8%, do you change that to whatever the rate is on your account? or do you keep it at 8%.

 

also, how do you calculate the days lapsed?

If you look at the example that i posted that explains how to complete the spreadsheet ...... the interest that that calculates is the 8% s69 interest

 

Tf you wish to claim back the interest that has been charged on your charges then thats a little more involved as you can only claim for the proportion of the interest that was a direct result of the charges incurred

 

 

 

 

What you really need to do is start a new Thread in the relevant forums for each claim that you wish to claim ...... as each one will require different advise and each forum has the expereienced members to help advise you

 

saint

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Hi Hatari,

 

If you have anything to ask or tell, please feel free to do so by starting your own thread in the welcome forum (previous page).

 

Slick

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 OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi Lisa

 

Welcome to the site, which has not only helped me enormously but also yielded some good, kind and compassionate friends who have been very supportive at a time of need.

 

What you really need is breathing space.

 

First thing tomorrow (Monday) begin calling:

 

a) CCCS on 0800 138-1111

 

b) National Debtline on 0808 808-4000.

 

They are both charities (and highly efficient ones as well) who will give you sound advice at no charge, either now or ever.

 

It might be difficult to get through at first on a Monday, but do please persevere.

 

I'll add more if you ask, but have only just returned from hospital where my wife has just been allocated a bed after four strokes (yes 4!) since Tuesday lunchtime.

 

Good luck and keep in touch.

 

Vandermerwe

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