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    • Hi, hope that you can help with the PCN detailed below, unfortunately I have entered into correspondence (appeal) and identified the driver, hope that this doesn't have too much of an impact! On 26/05/2024 the driver entered the ANPR controlled car park to park but was unable to find suitable parking due to the car park being very busy. This took 11 minutes according to Wise ANPR details, this was due to other vehicles looking for parking and impeding the driver's progress. This has been appealed to both Wise Parking and IAS and the appeal has been rejected by both; unfortunately, the driver has been identified on the appeal. Note: the appeal response from Wise was not received until 04/07/2024, wise state (after me chasing) that it was sent by email on 17/05/2024 but this was not received and not in junk mail. I have completed the form below and attached correspondence (post and email) as a single pdf Please let me know if you need anything else.   1 Date of the infringement 26/05/2024   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29/05/2024   3 Date received Around 04/06/2024   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  Y   5 Is there any photographic evidence of the event? Y   6 Have you appealed? [Y/N?] post up your appeal] Y Unable to find /access details of my appeal to Wise, however I will have revealed the identity of the driver My appeal to IAS: You completed the appeal on 06/07/2024 23:38:42. The car was not parked on this land. The reason for this was that there were no available parking spaces. I drove the car around the car park a few times searching for a space but was unable to obtain a space due to it being busy. I then left the car park without parking, I therefor did not make use of their facility or have the opportunity to check their terms and conditions as I did not leave the car. The appellant made their response on 08/07/2024 09:52:52. As I did not park due to lack of opportunity a "parking" charge is not appropriate. As can be seen from the ticket, I was only onsite for a few minutes which backs up my assertion that I did not park. No evidence has been provided that I did park, only that I entered and left 11 minutes later.   Have you had a response? [Y/N?] post it up Y   7 Who is the parking company? Wise Parking   8. Where exactly [carpark name and town] Chapel Point, Chapel St Leonards   For either option, does it say which appeals body they operate under. IAS   If you have received any other correspondence, please mention it here I have received a response from both Wise and IAS rejecting my appeal     Wise Parking PCN - 26-05-2024.pdf
    • You mean the mediation Service. It's not from the court  Offering a date and time?  Dx   
    • Equivo are applying for an interim charging order although I know why they want to do this, I find it to be very unjust and needless in my point of view! and don't know why there is a continuing need to harrass me with a Charging Order. No payments have been missed since the order was made and a total of £360 paid to date The debt amount has not been reduced as they keep adding interest, the original debt was £1500 it now stands at £1700 The judgement didn't order a payment plan but we have agreed to one and for three years they have accepted my payment...not sure if that relevant? Also I live with my partner and they have sent her the same as she has a 50% claim to the property how can I stop this? many thanks Webbs   Interim Charging Order Creation Finance Old Flybe Card.pdf
    • Good. Hopefully you've done the reading and you know how it all works from now.  However, please will you not leave things to the last moment in future.  We have our work cut out as it is and to try and help you catch up with deadlines put extra strain on us which as an unpaid volunteer group, I don't think we should need to do
  • 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
      • 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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Hello,

 

Thought that I would post about a recent PPI claim I made with HSBC Bank. I thought it would give hope to those customers who are currently progressing through reclaiming their PPI.

 

Effectively over a period of one year, my loan was rewritten five times and each time PPI was added on to my Loans.

 

I had recently claimed back bank charges from HSBC and was scanning through my statements and saw these loans and subsequest PPI transactions.

 

I noticed that each time a Loan was rewritten, I was given a partial refund of the PPI for that Loan and charged for the PPI on the rewritten loans.

 

Over the period it added up to around £300. Not much but it was the principal of the matter.

 

I wrote a letter to HSBC saying that I was not happy about this, essentially because I hadn't asked for PPI and because I actually already had a plan with HSBC to cover me in the event of an accident illness etc! This external plan was much cheaper too.

 

Now the bad part, or so I thought was the fact that the PPI was just over six years ago. I thought HSBC would go all Statue of Limitations on me.

 

Undetterred I thought I would send a letter anyway, bearing in mind I am no longer a customer of HSBC.

 

I got a response after four weeks saying that it was still being dealt with, this was the end of Jan this year. The letter had the direct line to the person who was dealing with my complaint.

 

I decided to phone up last week to see how things were going. The representative looking at my claim started to quote the revised Consumer Credit Act in relation to PPI. I kindly reminded the representative that the agreements for my loans were well before this. Owned!

 

The represantative said to me that a request had been made to check the relevant paperwork etc and to expect to hear back shortly.

 

Last Thursday I receive a letter saying that my complaint had been upheld and a refund plus interest will be given to me.

 

I have signed the form and sent it back.

 

Even better, I didn't threaten court action once in my letter. In fact I was rather pleasent so not sure if this played a roll in my success.

 

I hope this gives confidence to anyone making a claim at the moment anyway. :grin:

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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Hello,

 

Thought that I would post about a recent PPI claim I made with HSBC Bank. I thought it would give hope to those customers who are currently progressing through reclaiming their PPI.

 

Effectively over a period of one year, my loan was rewritten five times and each time PPI was added on to my Loans.

 

I had recently claimed back bank charges from HSBC and was scanning through my statements and saw these loans and subsequest PPI transactions.

 

I noticed that each time a Loan was rewritten, I was given a partial refund of the PPI for that Loan and charged for the PPI on the rewritten loans.

 

Over the period it added up to around £300. Not much but it was the principal of the matter.

 

I wrote a letter to HSBC saying that I was not happy about this, essentially because I hadn't asked for PPI and because I actually already had a plan with HSBC to cover me in the event of an accident illness etc! This external plan was much cheaper too.

 

Now the bad part, or so I thought was the fact that the PPI was just over six years ago. I thought HSBC would go all Statue of Limitations on me.

 

Undetterred I thought I would send a letter anyway, bearing in mind I am no longer a customer of HSBC.

 

I got a response after four weeks saying that it was still being dealt with, this was the end of Jan this year. The letter had the direct line to the person who was dealing with my complaint.

 

I decided to phone up last week to see how things were going. The representative looking at my claim started to quote the revised Consumer Credit Act in relation to PPI. I kindly reminded the representative that the agreements for my loans were well before this. Owned!

 

The represantative said to me that a request had been made to check the relevant paperwork etc and to expect to hear back shortly.

 

Last Thursday I receive a letter saying that my complaint had been upheld and a refund plus interest will be given to me.

 

I have signed the form and sent it back.

 

Even better, I didn't threaten court action once in my letter. In fact I was rather pleasent so not sure if this played a roll in my success.

 

I hope this gives confidence to anyone making a claim at the moment anyway. :grin:

 

Hello Poochball,

 

Wondered where you had gone,:D brilliant news for you and well done. :D Can you post your success on the ppi success stickies please:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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