Jump to content


  • Tweets

  • Posts

    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like
  • Recommended Topics

help with link financial


twix
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5974 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi CAN SOMEONE PLEASE GIVE ME A BIT OF ADVICE.I HAD GOT MYSELF INTO A BIT OF A MESS WITH DEBT BUT HAVE RESOLVED ALL DEBTS EXCEPT ONE.I OWE £1800 TO GE CAPITAL WHO SOLD THE LOAD TO LINK AFTER I MISSED 3 PAYMENTS.

i DONT WANT TO RUN AWAY FROM MY DEBT AS I OWE THE MONEY AND WANT TO PAY IT BACK.THE PROBLEM WITH LINK IS THEY WILL NOT ACCEPT MONTHLY PAYMENTS AND WANT THE FULL AMOUNT NOW.

OF COURSE I HAVENT GOT £1800 AND THEY TELL ME THEY WILL REPORT THE CAR STOLEN UNLESS I PAY NOW.

 

ARE THEY RIGHT IN DOING THIS AND THE FACT THEY DONT HAVE TO ACCEPT MONTHLY PAYMENTS.

 

ANY HELP WILL DO.

 

I HAVE NOT SENT ANY DETAILS TO THEM YET AS THEY SAY I DONT NEED TO SEND ANYTHING BUT THEY RING AT LEAST TEN TIMES A DAY AND I'VE GOT TO THE POINT WHERE I IGNORE THE CALLS.

 

I WANT TO PAY MY DEBT OFF AND OFFERED THEM £600 STRAIGHT AWAY THEN INSTALLMENTS OF £100 A MONTH BUT THEY STILL REFUSED.

 

PLEASE HELP

Link to post
Share on other sites

hi twix.

i think this would be better if you posted in the debt part of the forum where there are friends on there who know enough to help.

also, have a look around that part of the site and see if anyone else has experienced the same.

 

Any mod's out there to move this for twix ?

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

Link to post
Share on other sites

AND THEY TELL ME THEY WILL REPORT THE CAR STOLEN UNLESS I PAY NOW.
Personally i'ld be interested to hear how exactly they'll report your car which I assume is registered in your name stolen!! Think about it!!

 

This may also put your mind at ease a little...

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

Link are as nasty as they come and you need to be prepared for them.

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

Regards, Dave.

Link to post
Share on other sites

Hi Twix,

Welcome to consumer action group and you have come to right place for advice and help.

 

Whilst Link don't have any obligation to accept monthly payments, even though it is in their best interests to. Have you been speaking on the phone to them regarding this? I ask because one of the first things that CAG members advise new members is that you should never speak to them on the phone, ensure they put everything in writing for you.

 

Is your debt for a car loan or such, that is why they might suggest they can report your car as stolen, which, is a lie, they cannot do so. If they car is registered in your name, they would be laughed at by the police in any case.

 

As I see it, you have made a fair offer, indeed some creditors may accept a one of third payment as a full and final settlement, which is why it puzzles me that Link will not accept your proposals.

 

As I see it, you have 2 options really, I'll explain both.

 

1. You can ask Link for a copy of your consumer credit agreement (what you would have signed for or indeed you may not have signed!). You will need a £1 postal order, don't send a cheque as they can get your bank details from those, equally don't sign your letter as they can forge your signature on to documents. You will need letter N from this link http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html send recorded delivery and they then have 12 days (plus 2 for postage) to provide you with the said agreement. If they don't provide this agreement, the debt cannot be enforced without a court order, after a further 30 days, Link commit a criminal offence, for which they can be reported to their local and your local trading standards.

 

They also need to prove to you, they have the permission, if you like, to collect this debt from GE by way of providing with a copy of a deed of assignment.

 

Also ask for all communication to be made in writing and for phone calls to cease immediately.

 

Your second option:

 

1. You can put in writing to Link and GE, your proposals in writing. GE, in fairness, OK to deal with, they took my husband's debt back from their DCA the first time it was sold and negotiated with him directly.

 

I think you could also look at Letter J on the above link, which is offering a full and final settlement to a creditor, you can offer the £600 as a full and final settlement.

 

I'd personally want to go down the route of option 1, ensuring the creditor and debt collection agency are complying with all the terms of the original agreement.

 

Good luck and I am sure there will be some more advice coming your way soon.

 

TFx

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

Link to post
Share on other sites

Thankyou for your response ,sorry I took so long had a bereavement in family.

 

I will be sending them a letter and hope they will accept a solution to this as an end to the phonecalls.

 

The debt was for a car total value was 11,000 which I put 7,500 down in cash for and the rest on finance of which I was daft not to see it was higher purchase.

 

Once again thanks for the response.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...