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    • Car Finance Awards celebrates best of the industryView the full article
    • I want to add my 2 cents here...  The purchase of this debt, Perch Group dont absolve themselves of liabilities from the Original Creditor. They should be responsible for dealing with this complaint in response to an Irresponsible Lending dispute.  If the balance is disputed as such in that way - Then they should be referring to the Original Creditor where applicable.    Also if your complaint was written in a way where a template wasnt used or it was rewritten to a similar effect where it wasnt recognisable - Then you probably would have stood a better opportunity at it not getting rebuffed.  To be honest those - Perch and TM Legal are a waste of Oxygen and will say anything to get you to pay.    Ditto on the template. Where did you find it?  Please keep in mind we have to unravel what you have done till now and help build a formal response.     
    • Ok......... I'll try and answer some of the questions asked and stay relevant. @lolerz - I do try and do things for myself and sometimes especially where mental health issues are involved it is difficult to ask for help or even get around to it, the irrelevant twaddle was compiled by looking at various websites and information, no one source and getting as much information as possible, the fall down was that i tried to cobble something together using this information, it was not a template per se. Not sure when you ask what the original debt was as in do you mean the amount? I haven't moved. The original LoC was by post. I assume they got my email from account, i have never responded to or acknowledged anything by email. @BankFodder - As per reply above it wasn't a template. I utilised information that i had gathered and foolishly by the looks of things tried to manipulate it into something useful. @dx100uk - Not sure when i last paid, it would have been early 2023 i think. I took it out 17/11/21. My credit status was poor at the time with other debts and a couple of defaults at least. Hope that helps.
    • Payed 800 throw bank dident do a bank tracefair use pay a friend and 1200 cash when he droped car off but have video evedence of he counting the money 
    • I've just received a letter from Resolvecall threatening a visit etc. This debt has had no action on it in over 20 years. I've not acknowledged the debt either in writing or verbally; this is the first letter I've had in over 10 years. Do I need to be worried, is there something I should do? I understand the debt is statute-barred now. Thanks
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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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Excel Parking Ticket.


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You've learned a valuable lesson.

 

If you want to do something else, try posting an envelope without any postage on it and write 'check enclosed' on the outside.

 

That'll leave 'em £1.75 out of pocket.

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  • 1 month later...

If you have paid to park, whether or not you punched in the right reg number, displayed a P&D ticket etc. is irrelevant.

 

It's no different from buying an item and refusing to show the receipt to the security guard at the door. Sure, it would make your life easier, but you are under no obligation to. And he has no powers to fine you or make you pay a 'not showing receipt when asked to' notice.

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I am politely replying to them all and meanwhile have checked out their threats and County Court procedures and am quite happy to go forward. I am basically trying to cost these buggers as much as I can.

Have lost track of where you are up to but if you let me know I will tellyou what I did next and what the response was.

 

If you're willing to take them on and don't mind postage costs, it's possible to run rings round them with correspondence.

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Chill :-)

 

Mine took 6 months to arrive and I received two letters which I ignored. Nothing since.

 

 

 

 

There is a list of codes and a violation of Code 94 means that you have parked in a pay/display car park without displaying a valid ticket; the regulations may require you to buy a ticket (which you have done) but the requirement to input reg numbers if personal to the parking company. Parks are patrolled by wardens which is why you have to display your ticket and if they choose to ispense with wardens it is up to them to use a monitoring system that works.

 

You are under no obligation to input numbers or display passes once you've paid. Once you've paid, and they've accepted the money, that's it. They can't 'fine' you - only reclaim damages they've incurred from you not displaying a ticket with the right reg on. I fail to see how they can incur any damages whatsoever from this.

Contravention code means bugger all as well - it's just a ruse to sound more like a council PCN.

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  • 2 months later...

You should start your own thread.

 

I wouldn't have contacted them in the first place - you just got back their standard "appeal rejected" letter.

 

They'll be no particular reason the other cars escaped. The guy was probably on his tea break. It makes no difference.

 

Anyway, just ignore Excel and do not contact them again, no matter how many letters they send or how threatening they become. No point saying "see you in court" because they won't listen to you.

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  • 4 weeks later...

You should start your own thread really, but unless you have some sort of agreement with the council, you owe the full £95. If you've been paying £5 a month and then they've taken £95, doesn't that mean you've paid too much overall?

 

I'd be glad if it's paid though. If you don't have an agreement about the £5 a month, it's status is basically outstanding and you eventually will be paid a visit by bailiffs.

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Will this work eventually - Consumer Direct advice is to pay as they feel it is a breach of contract - but as I pointed out Excel have suffered no loss as the ticket was paid for.

 

Yes, ignoring does work. Consumer Direct are talking rubbish. By their reasoning if the sign had said £10,000, you would owe them that amount.

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  • 2 months later...

You have two choices:

 

• stop paying them

and

• take them to court to reclaim the money they have stolen from you already.

 

You have been taken for a mug - you're their perfect victim. Do some research about credit ratings - you have to be taken to court, lose and still refuse to pay. You've more chance of winning the lottery.

 

Stop paying immediately. What kind of agreement do you have with them?

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We can only give you the same advice as we everyone:

 

• do not pay

• do not contact them

• they will send a heap of threatening junkmail - ignore the lot and they will go away

• the threatening junkmail will be designed to make you think you'll be taken to court, never be able to get a mortgage, yadda yadda. It's a load of crap. It's a [problem] - people pay up because they believe their lies. If they were truthful, nobody would pay.

• Chances of court action are very very remote. The charge is simply unenforceable - even more so in your case. £60/£100 for 7 minutes - no judge would entertain such a frivolous waste of court time.

 

Your terror is based on the idea an ordinary private company can issue fines, that they take everybody to court, they can easily win, that it's financially viable to take people to court, that you'd have to stand in a court room in front of a judge in a wig, that your life would be ruined if they won and that you'll have to pay hundreds of pounds etc. etc.

 

Every single one of those points isn't factual.

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buffy there are a couple of things you can do.

 

(a) contact the DVLA by email and head a mail

FREEDOM OF INFORMATION act request (FOIa)

ask them how many registered keepers details Excel parking have asked for this year or last.

(b) you'll get this from them within 20 working days - then send this info to your local Trading standards - asking if a company that deals in parking should be amassing the figure (it's a massive number I'll tell you !) Surely if they are running their business correctly and not just running a [problem] should not change their operating practices so you pay on leaving. If this many issues arise each year on year - any decent organisation would fit barriers that take tickets - not boast about installing latest technology to identify vehicles leaving.

ask them for advice and maybe if they think like us along the lines that they need to investigate further.

 

 

the Freedom of Information Act will take you two mins in outlook

the message when it comes will take you another two mins to the trading stds ..

 

max time 10 mins of your life .. question is how much of your sleep have excel stolen from you with their letters and stress ?

 

FOIa is free, TS message is free as a citizen ... and all information requests they should comply.

 

Excellent. Let's get some details for every single sodding private company out there. Should be entertaining. I'll post the results here!

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buffy there are a couple of things you can do.

 

(a) contact the DVLA by email and head a mail

FREEDOM OF INFORMATION act request (FOIa)

ask them how many registered keepers details Excel parking have asked for this year or last.

(b) you'll get this from them within 20 working days - then send this info to your local Trading standards - asking if a company that deals in parking should be amassing the figure (it's a massive number I'll tell you !) Surely if they are running their business correctly and not just running a [problem] should not change their operating practices so you pay on leaving. If this many issues arise each year on year - any decent organisation would fit barriers that take tickets - not boast about installing latest technology to identify vehicles leaving.

ask them for advice and maybe if they think like us along the lines that they need to investigate further.

 

 

the Freedom of Information Act will take you two mins in outlook

the message when it comes will take you another two mins to the trading stds ..

 

max time 10 mins of your life .. question is how much of your sleep have excel stolen from you with their letters and stress ?

 

FOIa is free, TS message is free as a citizen ... and all information requests they should comply.

 

Email sent:

 

 

 

 

Dear Sir,

 

Under the Freedom of Information Act 2000, please can you please supply me with the following information pertaining to the private companies listed in the attached PDF:

 

• total number of requests for registered keeper details ever made by each company

• number of requests for registered keeper details made by each company in the last 12 months

• total number of registered keeper details actually supplied by the DVLA for each company

• number of registered keeper details actually supplied by the DVLA for each company in the last 12 months

 

I appreciate this may be time consuming request but I would be grateful for your help.

 

Reply by either email or post will be fine.

 

Yours faithfully,

 

---

 

 

Of course, I'm fully expecting to get "the DVLA do not keep individual records from individual companies" as a reply. Cross that bridge when we come to it.

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