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    • Dont expect instant resolution of 14 years of poopulist party, personal and vipal excess .. but I do believe that starmer will quickly start significant delivery of change - and deliver in the long run   They need to deliver to prevent a massive rebound away from them.   Lets remember - it took the torys a couple of years to trash the country and its reputation although they worked hard on it from day one. I expect no less in timescales, and a lot more in effort and application in Starmers resolution to the tory poop abuses.
    • True, but all the threads we have for Wise concern hospital car park parking (except one) so it would suggest a hospital car park.
    • Don't worry, a week and a half is fine, especially as you've already drafted a WS. However, we need to see everything as dx says in the post above.
    • This preliminary hearing has been allocated 20 minutes so it should be fairly simple. However, judges are always on the look-out to get cases settled and sometimes these things can mushroom unexpectedly, so I would take along all the paperwork in order and prepare too much rather than too little. For example, we have a recent case where someone went to a preliminary hearing but the judge was appalled by the parking company's case and put huge pressure on their solicitor to discontinue - which he did. I have personal experience of trotting along to a preliminary hearing, only for the judge to go ballistic at the other side's solicitor who promptly dropped the whole case against me. I suggest your Mum takes these notes along and refers to them when necessary.   1.  I sent Parking Eye a Subject Access Request on 03/07/2023.  After one calendar month they had not replied. 2.  Their failure caused me a great deal of distress.  I was desperately trying to prepare for a court case and I felt they were hiding information from me. 3.  However, I did not rush to court, I sent a Letter of Claim on 03/08/2023 giving them an extension.  Again they did not reply.  So I started this court case. 4.  Parking Eye insist I have proof of postage for everything I sent - and I do.  5.  Parking Eye eventually satisfied my Subject Access request at the end of August 2023.  I believe they put a false date on their letter to pretend to have satisfied the one-calendar month deadline.  I believe they will have no proof of postage. 6.  In April Parking Eye sent me a letter to try to settle the matter, which offered me nothing.  7.  Later I sent them a letter offering to settle and asking them to offer a serious amount, not nothing, but they did not reply. 8.  I would be willing to settle out of court, but not on the basis that they offer me nothing.  
    • That was the date the email was received from them
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    • 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
      • 162 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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Robinson Way Fan Club????


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"By contrast, Robinson Way’s profits have risen 57 per cent to £13.9m from £8.9m in 2006 and its purchased debt has risen by 73 per cent to £72.1m. The group now plans to restructure its business around Robinson Way. However it admitted the collections specialist is suffering this year as it experiences poorer than expected collections performance on three acquired portfolios."

 

_____________________________________

 

"Chairman Peter Cordrey said: "In future the group’s strategy will focus on the further development and growth of Robinson Way whilst reducing the capital employed in its lending divisions."

 

However, the current outlook is still bleak, as January was a difficult month for LSB. Its pre-tax loss was £3.8m, compared with a profit of £1.8m in the first quarter of 2007. Robinson Way’s profit of £1.9m was also down on the same period last year, from £3.7m. This year it has already purchased £8.9m of portfolios – up from £1.1m last year."

 

Credit Today online

 

 

 

 

AHA......so a kind of admission that they really are in trouble then......."poorer than expected collections on three acquired portfolios".......are people getting wise to the fact they are being ripped off by these Companies??

 

Sounds like there is a growing number of people refusing to be bullied and sticking to their guns. I hope it's spreading too :)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Three succinct 'gems' used in the press reports covering this wretched news.

 

"drawn up a plan"

"goodwill"

"black hole"

 

Perhaps they might like to Emblazon them along the header of their stationery to fortify their presence amongst the bottom feeders.

 

:rolleyes:

If my advice or input has helped, by all means tip my scales

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That put a wry smile on my face, I now feel so empowered by being part of this forum I almost feel like unblocking my phone - and saving a few pennies by doing so - so I can tell them all to put it in writing :)

 

One got through to me this morning; I refused to answer the security questions, confirmed I would not be calling them back and asked the caller to please put it all in writing so I could 'add it to my file'.

 

I almost felt like saying 'have a nice day' before I replaced the receiver.

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Some of these people may have families, mortgages, bills to pay just like the rest of us.

 

Do you really want to see them pestered, bullied and lied to by debt collectors persistently harassing them for money they may not have, or can not afford to part with because of priority debts?? Imagine how awful you would feel if they were pestered day and night for a debt they may not owe, or dispute??

 

They will need some serious help and advice.

 

Google Maps

 

There.

 

My conscience is clear.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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You should have sent them a route map from the Mount St Threat Centre to there.

 

How awful it would be if their ex colleagues started ringing them up demanding money and sending them silly letters like this Termination of Employment is valid even if you cannot read it or understand the big words

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Doorstep lender London Scottish Bank is to stop lending after running short of regulatory capital and racking up losses.

Up to 1,000 jobs from the 1,200-strong workforce could be at risk as the loss-making bank scales back to focus on its debt collecting business Robinson Way.

The group is working to find ways to fill a £12.7m shortfall in the regulatory capital demanded by the Financial Services Authority. As a result, it is looking at sales of businesses and other forms of financing, such as a rights issue, and will not pay a dividend while the gap exists. LSB also has £81.5m of its £140m loans coming up for renewal this year and is currently in discussions with lenders.

Robin Ashton, who has been chief executive of barely three months, would not say how long it would take for the group to sell off or close down operations to allow it to focus on the profitable Robinson Way which employs 217.

A former chief executive of larger rival Providential Financial, Ashton alerted the City to the problems on New Year's Eve after changing the way the group calculated the impairment charge for non-payment of loans at the same new regulations were introduced for capital, known as Basel II.

Ashton has decided to give up on the lending businesses, which comprise factoring, mortgages, secured lending and unsecured lending. Today's figures show that £15m of profits in 2006 have dived to a £18m loss for continuing operations. The unsecured consumer credit operation - essentially its door-to-door lending operation - suffered a £22m loss from a profit of £5m a year ago while its Robinson Way debt collecting business reported a 57% rise in profits to £13.6m.

Trading in the first quarter of the new financial year has also been difficult, largely as a result of a poor January. Losses in the unsecured credit arm have continued with £1.9m of losses.

The lending business, which has 74 branches, will eventually be sold off. Mark Tattersall, managing director of lending, left on December 31.

Investment bankers Rothschild have already been appointed to try to sell off the factoring division, but they will also seek out the sale of other parts of the lending operations. Last year LSB received two takeover approaches and will take a one-off charge of £4m to pay advisors' bills.

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If you have time have a look on RB there web site it contains the full accounts for last year. 44 pages but some interesting reading.

 

Question

If you owed money to a major bank and RB stated that they were collecting on the banks behalf and you were paying RB would it not be in your interest to make sure that the Bank was getting there money.

 

If Rb went bust and there were payments in the pipe line to the bank what happens to the money ( we all remember park hampers Xmas time)

 

I would suggest that because of lack of confidence in (RB) to manage there collection affairs that further payments were forward to the banks directly .

May be some one could draft such a letter which would explain to the banks reason for reinstating direct payments

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That's a very interesting point, Illuminati.

 

However, isn't it possible to simply do this anyway by paying through internet banking or over the counter? A DCA may not like it, but the financial institution would be getting their money anyway, so I can't imagine them refunding, can you?

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Hi Tiglet

Ok if you were a bank and a dca approached you with the intention buying a number of debts and the dca was known to you (RB) and you the bank were aware that this company was unable to operate in the financial services market due to the fact that they could not provide the necessary guarantees required by the FSA would you risk doing business with them ?

Banks have a reputation (lol) and if sufficient people who have been hounded by his company RW took the action that they would only pay monies direct to the banks concerned then I would assume that no further business would be given to this company by the banks and they would simply cease trading because with out debts they have no business.

Ok if they went bust the debts would simply sold as part of the assets of the company but could you imagine the confusion and the amount of

SAR requests which could further confusion the issue how ever if they own the debts and cannot produce the required paper work then who or which company would offer anything for the alleged debts.

At the creditors meeting the question I would ask is prove the of assets

on the balance sheet.

ie: if you own a property cars and you can prove them they are yours and paid for they become an asset however if they are leased or you cannot prove you own them they become a liability like their portfolio of debts.

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unfortunately, due to my experiences of dca's employed by banks, I don't think they care that much about their reputation with us horrible little debtors ;)

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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