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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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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.

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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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Inside a DCA!


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he has been busy.

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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Hi all,

 

I have jumped in and out this week but haven't had time to put together a long response.

 

Sorry for that.

 

I've had a right nightmare at work with the auditors. Bean counters, who needs them :cool: . You would think they would be happy I made my company a six figure investment profit, but no, they needed 100% accountability on every investment. Grrrrrrr.

 

Anyway, I was asked by someone if it would be a good idea to put their house into Trust to prevent a charging order. :roll: . I must say it did make me smile and I think a quick response is required. I'll get a cup of tea and be back.

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welcome back OTB and sorry to here about your fun with the auditors.

 

Could you also look into my question and answer it when u have 5 minutes. Ment to ay post number 425.

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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OK. Putting your house/assets into Trust does not in the majority of cases protect it from your creditors. Particularly if you still live in it. And in the worse case the creditor is likely to bypass a CCJ and petition for bankruptcy knowing the living Trust will be seized as an asset and sold. Also, setting up a living Trust fund is costly and requires an adminstration exercise that would make your eyes water (particularly the submissions to HMRC), which is not something the majority reading this can afford or be likely to undertake. If you are thinking about attempting this then you really need to seek professional advice (clearly not stating, 'i want to protect my house from my creditors' can you help set up a Trust fund for my dog).

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Just a question.

 

Why do DCAs sent you a letter saying we are taking u to court in 7 days unless you make immediate payment when this is there first contact?

 

I have just recieved on of these letters for a debt that is at a address that does not and never existed due to there not being enought numbers on the street i live on, there were 50 houses and they say it is for number 1,312.

 

This debt also dates back to 2000 to 2001 and it is defently SB. they are also claiming it belongs to a company that we had no contact with at the time. They are claiming for Npower and gas and we only had txu electric as there was electric at the property and we were not allowed to change suppliers as it was in our tenancy.

 

This is a shot in the dark. The debt is an old one and they have no information (they have most likely bought it for 2p in the £) and so they jump to the end of the debt cycle (court action with no further reference to you stuff) in order to gain a response and payment :rolleyes: .

 

Quick, get you cheque book out. :-D

 

Just send them back a standard 'prove I owe it with the evidence you will use in court' letter, and be prepared for a couple more nasty 'we play hard ball' letters.

 

These type of DCAs (bottom of the pile) work on a hard line fast payment approach and rarely bother with court action. However, they do tend to send a 'visitor' to get you to pay. Tie them up in legalities of debt ownership and they will be gone.

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Hello m8 nice you see you back

 

:-D

 

Sorry to answer PMs here, but if you asked then I'm sure someone else needs to know.

 

Why do DCAs pass my debt on?

 

Basically because they have run the debt cycle and the chance of recovery is nil. As I said in an earlier post, they are working on % of debtors and turnover of accounts. If the supervisor has determined they won't get paid it will be passed on.

 

 

If I move address can the OC/DCA find me?

Not if you move to the moon. :-D . At some point in the future your going to go looking for debt again (sorry credit :wink: ), and they link you with two key pieces of information - you date of birth and you place of birth (the chances of two joe bloggs born in Hackney on the 25 Feb 1905 is rare!), your address is only the first port of call.

 

DCAs have a number of routes to find you -

 

Spoof websites offering credit (you get rejected but they have the info)

Mobile phone contracts

HP agreements

Mortgage applications.

On-line marketing surveys

Electoral register

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Fascinating reading, the whole series !

 

So, on the assumption that DCA sends the account off to a.n.o, usually after a CCA request or similar and therefore default of this, to DCA1, subsequent DCA's are trying it on?

 

I wouldn't say 'trying it on' but it does raise the question, 'why didn't they take me to court to get a CCJ?'

 

Sometimes, a DCA will pass it to another DCA because they know that what the debtor is offering as a payment (say £5 month) will be accepted by the court if they went for a CCJ, but that £5 doesn't cover the cost of adminstration of the said CCJ. In this case the debt is passed on as 'uneconomical to pursue'.

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Thank OTB.

 

I thought it was the case and so did a few others but it is still annoying as u may be able to understand.

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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OTB when you mentioned the DCA's various means of finding debtors in post 487 you forgot to mention the offer by the CRA's of cheap or even free credit reports

 

Agreed. But to be fair the list is endless. :evil:

 

They can also find out through 'financial associations'. :(

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If a supervisor decides they aren't going to get paid , what makes subsequent dca's think they are going to get paid instead ? If you have gone through the cycle on dca (a) with no result, surely dca(b) can only go through the same cycle with a similar no payment made either and therefore a waste of time and money buying it from dca (a) ?

There is nothing dca(b) can do that dca(a) hasn't already tried. In the end it just becomes a game ? There is no payment made , no real end result, just a lot of time effort and money wasted and a small hit on the rain forest population in cycling it around the dca's.

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Hi Onthebrink. Welcome back, and I've been away too so, just catching up on everything. Hey...Have you thought of doing a Martin Lewis and starting your own website? I'm not saying for one minute that you should pull away from this site...god forbid ! But, it seems like the obvious next step for you OTB?...Just an idea...From little acorns etc...

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If a supervisor decides they aren't going to get paid , what makes subsequent dca's think they are going to get paid instead ? If you have gone through the cycle on dca (a) with no result, surely dca(b) can only go through the same cycle with a similar no payment made either and therefore a waste of time and money buying it from dca (a) ?

There is nothing dca(b) can do that dca(a) hasn't already tried. In the end it just becomes a game ? There is no payment made , no real end result, just a lot of time effort and money wasted and a small hit on the rain forest population in cycling it around the dca's.

 

ALL DCAs have an arrogance that makes them believe they are better than the rest, and their 'methods' and staff are more capable than the rest. When they get a 'new' account they actually believe they will succeed where others have failed :roll:

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Hi Onthebrink. Welcome back, and I've been away too so, just catching up on everything. Hey...Have you thought of doing a Martin Lewis and starting your own website? I'm not saying for one minute that you should pull away from this site...god forbid ! But, it seems like the obvious next step for you OTB?...Just an idea...From little acorns etc...

 

Thanks for the thought, but i just LOVE it here ;-)

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Agreed. But to be fair the list is endless. :evil:

 

They can also find out through 'financial associations'. :(

 

Yeah! but the most current gag is providing 'free' reports by scaring the hell of of people that their ID's gonna be stolen unless they do something about it

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ALL DCAs have an arrogance that makes them believe they are better than the rest, and their 'methods' and staff are more capable than the rest. When they get a 'new' account they actually believe they will succeed where others have failed :roll:

 

You would think realising they are further down the food chain would tell something wouldn't you

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:-D

 

Sorry to answer PMs here, but if you asked then I'm sure someone else needs to know.

 

Why do DCAs pass my debt on?

 

Basically because they have run the debt cycle and the chance of recovery is nil. As I said in an earlier post, they are working on % of debtors and turnover of accounts. If the supervisor has determined they won't get paid it will be passed on.

 

 

If I move address can the OC/DCA find me?

Not if you move to the moon. :-D . At some point in the future your going to go looking for debt again (sorry credit :wink: ), and they link you with two key pieces of information - you date of birth and you place of birth (the chances of two joe bloggs born in Hackney on the 25 Feb 1905 is rare!), your address is only the first port of call.

 

DCAs have a number of routes to find you -

 

Spoof websites offering credit (you get rejected but they have the info)

Mobile phone contracts

HP agreements

Mortgage applications.

On-line marketing surveys

Electoral register

 

 

 

If this is true then this is a disgrace, can you name and shame a few for us so we can give them the Cabot Fan Club treatment? - Don't know what that is? - ask Ken Maynard :D

 

Sarah

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If this is true then this is a disgrace, can you name and shame a few for us so we can give them the Cabot Fan Club treatment? - Don't know what that is? - ask Ken Maynard :D

 

Sarah

 

I've just joined "The Cabot Fan Club".... they introduced themselves as the new "owners" of an unenforceable account at the week-end. Deep joy... :rolleyes:

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If this is true then this is a disgrace, can you name and shame a few for us so we can give them the Cabot Fan Club treatment? - Don't know what that is? - ask Ken Maynard :D

 

Sarah

 

 

cus4loans.co.uk

 

their not even subtle:

 

 

'Cus4Loans.co.uk is a website operated by The Slice Ltd. The Slice Ltd is licensed under the Data Protection Acts. Registered Company Number: 02860905 Registered Office : 25 Ormside Way, Redhill, Surrey. RH1 2LW. Data Protection Number: Z8414369

The Slice is a marketing and IT systems organisation and does not offer any financial advice. Think carefully before taking out a loan.'

 

Give it a try, you'll be lucky to get a response ;)

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