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    • Thank you for the response; I'm very grateful for the help and i'm open to all feedback. I'm afraid I don't understand what is meant by properly declared and valued? On the Evri app, when completing the process of sending a parcel, I did declare that I was sending a 'watch' and gave the full value of the watch (£429.99). I'm not an online seller if that helps. The parcel contained my own personal watch; a Garmin which cost £474.99 (inclusive of 'protect plus insurance' from John Lewis of £45). The £45 Protect Plus insurance from John Lewis covers the Garmin watch, and as they have lost it, it is no longer valid. So i'm adding that to the total claim.  It was a birthday gift bought for me this Jan/Feb by my partner.    Re: understanding of Parcel delivery insurance; "Part 1 Chapter 4 of the Consumer Rights Act 2015 means I have a legal right to expect that any service I’ve paid for should be carried out with reasonable care and skill". So I understood from this that I have rights under the Consumer Rights Act 2015 that protect me, regardless of not choosing to purchase their insurance protection.        
    • HI all, So I work for a company who offers a review service for large companies, whereby customers can review products and/or services and the reviews appear on the companies own site My job, along with roughly 10 others, is to moderate those reviews. We're all on a zero hours contract, so we do work as and when it's available. The way the system works is for every 120 reviews we moderate, we get paid the equivalent of the basic minimum wage, so £11.44 per 120 reviews. If this were a steady supply of reviews, it could be a decent income, but it's not, so you end up spending a lot of time doing nothing and not being paid for it, such is life For the last 3 months or so they've had an issue whereby a lot of reviews were duplicated up to 15 times and we were told to moderate those as we would normal reviews, so you can imagine how many reviews we've been having to moderate, my moderated review count was probably around 4x the number I normally do, almost throughout the entirety of June this was going on for. So being quite excited about the prospect of a boost in income, to my and other mods surprise and shock, we're not being paid for all those extra hours and work done, for the past 3 months when the issue started.. We're only being paid for the non duplicate reviews, plus 5% on top. So in my case, instead of receiving around £1500ish for the month of June, I'm only receiving around £500 I mean, I get it, marking each of these duplicates was very quick/easy, as it was a repeat decision from the previous 14, but to let us do all that work and not pay us for it?
    • That's good news, well done. From  memory, self-employed people didn't pay into SERPS, it was for employees. And I believe SERPS stopped in 2002, being replaced by S2P. HB
    • You should for the court to consider otherwise they wont grant a directions hearing.
    • Two things: Firstly, can you avoid posting solid blocks of text. They are very difficult for people to read and to follow especially when using small screen such as telephones. Properly spaced please. I have restructured your one for you – but it would be nice if you took care of this yourself. Secondly, when you upload documents in PDF format – please can you use single file multipage format and also a name which is meaningful instead of just random numbers.pdf. As a general guide, you should upload documents in a way that you would like yourself to receive them if you are helping somebody free of charge. I have deleted the two files which you have uploaded earlier. As far as I can make out they are all part of the same document and should have been uploaded in a single file format and named. As it is, they aren't especially relevant at the moment so don't bother about reposting them but please bear in mind what we are saying about uploaded documents. I notice that although I asked you if the item was properly declared and valued you haven't responded in particular you haven't told us the declared value. Is there any reason for this please? Do you understand why you don't need parcel delivery insurance?
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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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Disputing a Congestion Charge Fine

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I will try to be brief. I do not ordinarily live in UK but have a small house there. I have a car which occasionally my children use. At the beginning of February they collected my post to find a congestion charge certificate relating to an unpaid congestion charge dated 5th December. We had never received the original penalty notice. They immediately wrote to the CC office advising them of who the driver was and asked that the timing of the fine be set back as we didn't receive original penalty charge notice, so didn't have chance to make representation or pay original amount. My daughter is not disputing the charge merely the fact that we had not received the original notice and that as I was not in the country we had not met the various deadlines to keep the charge to a minimum. My presence in the UK can be verified by HM Immigration so I can prove when I was not here. Also, what defence is there as the original notice was never delivered. As the owner of the car and not in the country during this period what obligations do I have in relation to unpaid congestion charge fine?

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The vehicle must be registered at the address here? They will probably argue that you have a duty to arrange to receive mail sent to the registered address. I would contact TfL first, but my experience is that they don't bother replying. You need to make a formal 'representation' to TfL stating all that you have said. Keep copies, and send by recorded delivery.


If it is registered as a debt (because they don't take any notice) and you get an 'order for recovery' you will need to fill out a PE3 [statutory Declaration, (also a PE2 if it is 'late')] which should be sent with the order, if not - they are available from [email protected] or ring them on 0845 704 5007, they are quite helpful.

Why aren't we revolting?

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Thanks - the car is registered in the UK. One of my daughters does collect post from my house quite regularly - every three or four weeks if I am not there. This is when we received the charge notice certificate dated 21st Jan. As it was my daughter who had incurred the charge she wrote to them saying that and as we had not received the original notice asked that the offence timelines commence at the date we notified them of the driver. Their response was that we had not notified them in time and we were already in default. (Hardly surprising as we had not received the original notice). Surely there must be some onus on them to prove we received the original notice? We are not disputing the charge, we are supplying the driver info and want to pay - but at the correct price for the documents we have received - without any penalties.

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Surely there must be some onus on them to prove we received the original notice?


Yes you would have thought so. They regard 'issuing' as 'receiving', you can join me in arguing against that if you like.


If your daughter has already made a representation and it has been rejected you can take it to PATAS on appeal. The forms for this (yellow and white) should have been with the rejection letter.


What else did they say in the rejection?

Why aren't we revolting?

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This should be a very simple matter of filing a PE2 & PE3. In our companies experience this should result in the warrant of execution being revoked.


It is important to ensure that you keep the form simple and fill it in correctly. The PE3 should state that you did not receive the Notice to Owner.



To ensure that a bailiff does not clamp the vehicle you need to send an e-mail to the bailiff company to advise of the Out of Time application.


If you need and help, please let me know.

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The response we had said 'the PCN was issued on 7th dec..it required payment or representation within 28 days...your correspondence concerning this PCN was not received until after the 28 days had elapsed...whilst we have considered if mitigating circumstances would allow us to consider the representation as if it were in time, we must inform you that on this occasion we cannot consider your representation. you must pay the outstanding amount of £150'. - In my opinion totally unfair.If Royal Mail were 100% on deliveries then I would find it difficult to argue their point but knowing their relative non-performance we are actually being penalised for Royal Mails lack or performance.

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For the future, why not have your daughter take over as Registered Keeper on the V5 - then issues where you do not collect mail for some time will not cause future problems.


Whether she owns the cat or not is irrelevant to keepership.

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Thanks for the registration info but I have three daughters who use the car occasionally - cars in for service etc - as a spare car. When in UK i use it. All would have been fine if the original notice had arrived. In fairness Royal mail are to blame for the whole scenario - would be interesting if I could rope them in some way in this case! I guess that would be too complicated.

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Royal Mail 'lost' 15 MILLION items in 2006. (their figures, reality may differ)


The more people point that out the better.


If you want secured delivery or tracked mail these days you have to pay extra for it, ask any business that relies on it. I have already complained to my MP that this is in essence a huge price rise on the cost of postage. In the light of the service that Royal Mail currently offers as 'standard', which is no longer adequate for such documents, the rules on 'service' (posting assumes receipt) need to be changed. Urgently.


In the meantime, it's not like TfL can't afford an enhanced service is it? Or are they paying their contractors too much?


In fairness Royal mail are to blame for the whole scenario

In true fairness, not completely. TfL know the score the same as the rest of us. Just because their computer may have been told to post something, it doesn't mean it was received at the destination.


The bailiff process won't kick in until you receive an 'Order for Recovery' which lets you know that the 'debt' has been registered at Northampton County Court (an office building that houses computers that send out automated warrants that will make your life never the same again, and some quite nice people).

Why aren't we revolting?

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