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    • oh well i wonder what new fake documents they have made up then...for them to try this.... just to check nothing funky like Link have filed an n244 to lift the stay and strike out her defence....she hasnt moved since last court comms has she?   is this an n24? bit unusual for a 13mts stay to just be lifted... has she not received anything from link/kearns in the last fw weeks like a docs bundle? bit like this thread... https://www.consumeractiongroup.co.uk/topic/466576-lc-assetlinkkearns-claim-form-2-mbna-cc/?do=findComment&comment=5256397  
    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   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
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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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Private Parking Tickets - Template Letters - If you wrote before finding this site.


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IMPORTANT INFORMATION

 

This does not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.

 

This is what the writer would do in the contemplated circumstances. It is placed freely in the public domain on the basis that if it is used no liability of any kind attaches to the writer and/or the publisher.

 

Any person relying on this information does so entirely at their own risk.

 

****************************************************

 

A Cautionary Note

 

Since I drafted these templates, life and experience has moved on.

Much of the advice given now is to ignore completely all correspondence from PPCs.

 

My only slight reservation about this is that in the remote possibility of a case being argued in court, would a failure to respond be presented by the claimant and accepted by the court as the actions of an unreasonable person? Would this then count against you?

 

It really comes down to how you, personally, see the risk and whether you are prepared to run the risk.

 

If you are not comfortable to ignore all communications and are not happy with running the risk I outlined above then the templates are possibly for you.

 

I have always said, and stand by the view that you should not initiate correspondence.

 

The “sticky” entitled Private Parking Tickets - Template Letters shared my approach for how I would deal with a private parking ticket from the outset and before I had communicated with the private parking company.

 

I then wondered how I would approach the position if I, or say for example my wife, had already written to the private parking company explaining the background and basically appealing to their better nature. I’m also thinking that we had then received a response telling us that our appeal had been rejected.

 

This sets out the approach that I would then take.

 

I do recommend that you first read the sticky entitled Private Parking Tickets - Template Letters because that does include some detail, background and information that I have not repeated here.

 

This does NOT apply to those parking tickets issued by the LA, police or Traffic Wardens. You are free to this approach provided you read and agree to the “Important Information” at the top and foot of this post.

 

Again I acknowledge the excellent work by petej2811 in his article which can be seen here. His work is the inspiration behind much of this and he deserves appropriate credit. If I repeat anything he has said it is meant as a compliment and if I say anything in disagreement it is meant with respect.

 

Add to your armoury for complaints with a compaint revolving around the data protection act. See here for details.

 

Feedback with any typos, inaccuracies, omissions, improvements, errors etc is most welcome. I may come back and edit this post (subject to permissions) to add and clarify matters including relating to feedback.

 

We do also need to think about the exception to not initiating correspondence that I referred to on the other thread. If I was not the owner of the car (say for example I had a company car, hire car or garage courtesy car) the person identified as the keeper would receive the letter from the private parking company, pay the bill and seek to recover the funds from me under alleged contractual obligation.

 

So what I would do is to try and employ the technique above by getting the owners of the car to write and obviously amended version of the letter above. They might be reluctant to do so in which case I would trya and persuade the owners either to write and give my name only (as driver) and failing that my name and address. In the event of there being no co-operation from the vehicle owners, this is the only circumstance where I would initiate correspondence. This is the letter I would write:

Dear Sirs,

 

Re: Vehicle Reg No: [#]

 

On [dd mmmm yyyy] you issued a parking ticket to the above mentioned vehicle that I had parked in [state location].

 

Could you please advise the basis in law that you feel enables you to issue a parking ticket that appears to mimic those issued by the police, traffic wardens and/or local authorities and to levy penalties

 

In the meantime I absolutely deny your claim that the amount claimed, or any amount at all, is due to you from me.

 

Yours Faithfully

The response to the “appeal” rejection:

The option of pushing back and saying that they need to take the matter up with the driver is now not available to us so we need to modify our approach. My response would read something like this:

Dear Sirs,

 

Re: Your letter dated [dd/mmmm/yyyy] Reference[#]

 

Thank you for your captioned letter.

 

Since I wrote to you I have been doing some research.

 

I now understand that your “parking ticket” purported to have been issued with the force of law behind it. I now believe this not to be the case.

 

Would you please advise me what statute(s) and/or judicial precedent enable you to enforce this penalty against me.

 

In the meantime I absolutely deny your claim that the amount claimed, or any amount at all, is due to you from me.

 

Yours Faithfully

If you are lucky that will be the end of the matter and you will hear no more.

 

It is more likely that they will write again, this is where it becomes more tricky to compose a template. What I have done is to write a basic letter and made suggestions for paragraphs you can insert depending on what they have said.

 

The basic letter:

This is the top and tail ready for paragraphs to be added.

Dear Sirs,

 

Re: Your letter dated [dd/mmmm/yyyy] Reference[#]

 

I refer to previous correspondence.

 

[#]

 

Unless you provide evidence to substantiate your claim against me I shall be unable to assist you further in this matter and I restate my denial of this claim.

 

Yours Faithfully

The variable paragraphs to add to the basic letter:

You will need to make the appropriate amendments if you are writing for someone else.

You may need to write more than once. I suggest that two or three times is sufficient before moving on to a “cease and desist” letter.

 

If they have simply ignored what you have previously said.

At this juncture there is nothing further that I can add to my letter of dd mmmm yyyy (copy enclosed).

If they allege that you entered into a binding contract with them:

You appear to claim that I entered into a binding contract with you. Please provide evidence that your purported contractual terms were communicated to me in a way that I read, understood and accepted them prior to leaving my vehicle.

 

Even if I did - which I deny - it is my claim that the charge you allege I have to pay you is unenforceable at law being an unlawful penalty charge.

If they allege that you trespassed:

You appear to claim that I trespassed. I deny that I committed this tort and that any liability to you arises.

 

Even if I did - which I deny - it is my claim that the charge you allege I have to pay you is unenforceable at law being an unlawful penalty charge and not an appropriate remedy for trespass.

If they have added further charges:

I note that you have increased the amount of the alleged debt. Given that you have failed to substantiate and support your claim that I am indebted to you; this is unreasonable, inappropriate and, quite probably, unlawful. In addition to my previous denials I absolutely deny any liability to you for this additional sum.

If they threaten debt collection:

I note your comments about debt collectors. Given that this debt is in dispute I shall simply advise them that the debt is in dispute and they will have to refer back to you.

If they threaten court action:

I will welcome the opportunity to defend your allegation in court and am confident of success. Of course you will be required to produce the evidence that I have requested and you have failed to provide. You will also have to answer to the court why you failed to do so.

NOTE: In either of the two circumstances above, you may wish also to add the relevant bits from the "Cease and Desist letter".

 

The cease and desist letter:

Refer to the section with the same title in the sticky entitled Private Parking Tickets - Template Letters.

The same letter applies.

 

If you receive a letter from debt collectors:

Refer to the section with the same title in the sticky entitled Private Parking Tickets - Template Letters.

The same letter applies.

 

IMPORTANT INFORMATION

 

This does not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.

 

This is what the writer would do in the contemplated circumstances. It is placed freely in the public domain on the basis that if it is used no liability of any kind attaches to the writer and/or the publisher.

 

Any person relying on this information does so entirely at their own risk.

Edited by Bernie_the_Bolt
Added cautionary note
  • Haha 1

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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