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    • Hi All. I was driving in Stevenage down a 40 road.  After coming off the motor way i noticed my car felt a little "weird" so i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intollerant on date night, so we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i havent recieved anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. SHould i query the ticket as i dont want to miss any deadlines (if so who do i check with?) OR should i keep queit. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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      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.

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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The worst way spoken to by a DCA....


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Sorry, was finishing off the nice wine I opened earlier. What was the question again? I guess you lot are on the 'unbranded' lager and blue nun?

 

Wrong again knob splat, I prefer an earl grey myself.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Someone send the R.S.P.C.A. round there! NOW! I fear for Moggie. :mad: :mad: :mad:

 

Yeah, he might stick it on the end of his joystick for some pleasure

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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IT TAKES A LIAR TO HAVE A GOOD MEMORY

 

 

DO NOT FEED THE TROLL

 

Sorry ODC. But you do have to admit he is one of the most feeble trolls we have had on here in a while? I thought Rameses was weak. He even tops Rameses for weakness and lack of knowledhge does he not? Why can't they send someone with brains? I mean if we are Holmes he's hardly a damn Moriarty is he? :D :D :D More like an Oliver Twist. He is asking us 'for more'. Ha ha ha. Yes call me Sir you weak man. He's absolutely useless! ROFL.

What sort of world do you want your kids to grow up in?

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Going to go now have my DEAR hubby waiting upstairs with a bottle of Cristal and a box of godiva chocolates!!!

Enjoy your jacobs creek with your mum Mr Sensible!

Night night all and dont let the mass-debater wind you up!;)

 

Actually he's a great source of amusement ! Bring it on!

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Ha, ha! May I compliment you all on the depth any originality of your humour. Watch out Oscar Wilde!!

 

See, I have imagination and humour. I have already beaten you.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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DontFeedTheTroll.jpg

Just ignore the troll. Don't acknowledge its presence.

It wll get bored and go away eventually.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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See, I have imagination and humour. I have already beaten you.

 

Well he must have humour, to think people will take him seriously! Now that is a good laugh! Don't think there's any imagination though - anyway it's too big a word for a troll to understand!

 

Mrsensible answer post 26, as you have now been asked many times to!

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Jacobs Creek? Hardly. A generic New World aimed at the masses. Drinkable, not much more. "It would indeed be simple if the debt was advertised as 'secured' in the first place&amp". The LAW allows a creditor to secure an unsecured debt. You cant have it both ways can you? If you use the law to avoid paying, (lack of contract), you cant moan if creditors use the law to benefit them! "Why don't you try to do a good job of playing devil's advocate? People might show some respect for you"Respect is only shown if you agree to tow the party line. ALL debtors are doing their best! None lie! There are NO debt avoiders! ALL DCA's are ****! Agree with CAGGERS! etc etc...zzzzzzzz

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Anyway,

 

I don`t mean to sound as thick as the Troll in question, but before I go and knock my bait up could someone tell me why you call him a Troll?

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Any further posts which are off topic will be removed.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I was in dispute with a company that had taken over the original company I was renting my washing machine from. It needed repairing and the new company refused saying I had to buy it now as they were not doing rentals. Well I was not going to buy a broken machine so refused to pay.

 

That afternoon a van pulled up and two 'employees' from the company walked into my back garden with bolt cutters saying they were in there rights to enter my house and take what was theirs. :eek:

 

Needless to say they left with nothing!

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Nice one wino.

 

Did they have the court documents to say they could enter your house with bolt cutters and remove the washing machine.

 

No did not think so.

 

When are these companys going to learn?

Never mess we CAG we no to much. I would advise a strongly worded letter remember to use nice words. ;)

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Nothing too bad really, other than the usual 'pay me or else' garbage and the odd huff and puff.

 

Mind you, now I'm learning my rights bit by bit thanks to CAG, any future phone conversation, should they catch me off guard, should prove interesting :)

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Oh l love it when they call me. I have annoyed a few ppl and l have had my family laughing at them from behind me.

 

Needless to say by time they have been told they are breaking OFT guidelines and they say they are not l have found the exact guideline and start quoting to them all the guidelines they have failed to obide by and they then wish they had never phoned me.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I'm thinking of having the 'phone put back into my own name and not being ex-directory because I don't even look at my caller ID anymore. Whereas at one point, I would have been terrified to answer the 'phone, now I just think, "bring it on." Such is the hardened Cagger!! NB - NEVER SPEAK TO A DCA ON THE 'PHONE - well not until you're totally au fait on your rights that is ;)

 

Unfortunately, the DCAs don't love Bo anymore - they never ring me!! :( Can't think why? :lol:

 

Still got one wish left though (double entendre for all you "oldies" out there!!!).....

 

My mates have the lovely Lowells giving them some grief, I just can't wait for them to ring when I'm at mates house :o

 

I was subjected to the worst harassment by 'phone I have ever had pre-CAG. I was so terrified, I was trying to sell my house at the time to pay them off and they said that they were going to take me to court if I didn't give them the 'phone number of my solicitor and give him permission to speak to them to tell them when the mortgage monies were going to come through and yes, I was so terrified, I did what they said.

 

Unfortunately, when you are in that situation and you don't have the support of CAG behind you, you feel rather alienated and that being in debt is entirely of your own making and this is when the "vultures" go in for the kill.

 

Well, not anymore! I am indebted to this site for the wealth of information, knowledge, support and kindness I have been shown from many people who have been where I was and I will endeavour to do anything to return that favour.

 

Bo

 

PS - I've also made some really good friends too :)

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I've been reading these forums for a few days now and just want to thank you all for allowing me to feel differently (read optimistic!) about the whole thing.

I was wakened by the phone at 7.30 one morning and when I think of how that woman spoke to me, when I think of how I allowed her to speak to me! I explained that I had to get my children up for school - she didn't care - I'm afraid I answered all her questions.

I got my credit file and I'm still none the wiser what she was ringing about - it was so early and I was so shocked. However a letter arrived from Iqor yesterday and I'm still none the wiser. However I have taken on board all what I'm supposed to do. The cca letter is on its way!

 

So I just wanted to acknowledge your help. Thank you all again!

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Hi Sky :)

 

You've come to the right place.

 

Here's a brilliant guide to the forums by our resident Supermod. Have a read and then start your own thread and we'll all be in there to help you out.

 

Well done you!

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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Hi skycrystal and welcome to CAG. You're very welcome to all advice given and I hope you start your own thread so that we can all give you advice and asistance. If you are not sure how to do this have a read here http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html You should also read the OFT guidelines on Debt Collection here http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Here's a snippet of a complaint letter I wrote to Debt Manager's Limited following a particularly rude telephone conversation with 'Jenny' :

 

Jenny called to advise me that I have an outstanding balance £7198.54 and requested payment by credit or debit card. I advised Jenny that I was unable to make a payment of £7198.54, she asked why to which I replied, “Because I don’t have £7000.00”. My partner, who was in the room with me at the time, laughed and Jenny obviously assumed it was me laughing and snapped “Do you think this is funny Miss Clarke?”. I assured Jenny that I did not find this funny, indeed someone calling you on an evening demanding seven thousand pounds is not a laughing matter. I once again advised Jenny that I did not have £7000.00 available to pay her, and she asked me “Why is that Miss Clarke?” several times.

 

I obviously failed to come up with a reasonable answer to Jenny’s question as she next asked me to pay in 2 monthly instalments of approximately £3500.00 each. I advised Jenny that this was not possible, after all I don’t even earn anywhere near £3500.00 per month. Jenny then decided that I did not have £7198.54 to pay but could make a one off payment of approximately £5500.00. I advised Jenny that I did not have £5500.00 to which she asked if there wasn’t someone who could pay the debt for me. Had there ever been someone who could pay my debts for me, I would not have found myself in the difficult situation I am in now.

 

They have now agreed to no longer phone me and any contact will be made in writing.

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