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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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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
      • 161 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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cahoot charges


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Hi I'm new to this forum & need some help. My son took out a loan from Cahoot over 4 years age. He is now a cadet with the Navy & asked me to sort out his loan as he can't get it cleared. NO WONDER. (I'll kill him when he gets home!!) 4 years ago he borrowed £9000. Since then he has paid back approx £8000 and he still owes £8018. (In the last 12 month's he has paid £1968 which has reduced his loan by £47 over the year!!. )Part of this stupidity was that he signed up for £62 PER MONTH flexible loan insurance. I am just about to clear his loan for him but does he have any redress to this. For the £8000 he paid out he has NOTHING to show for it. As there is no actual overcharging of interest rate (15.9%!?) is there anything can be done. Please help

Thank you

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I have moved your thread to the Cahoot Forum where you should get a bit more help than where you originally posted.

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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The loan insurance I assume was Payment Protection Insurance. Is that correct? Do you know how it was sold as part of the loan? Do you know if there are any late payment fees on the loan?

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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Thanks for quick reply. The insurance is simply called Flexible Loan (the type of loan) Insurance. It was meant to cover non payment due to ill health, redundancy etc. I don't know if it was sold as part of the loan or not but as it was all completely internet based and Cahoot no longer offer loans I don't know how to find out. No - there were NEVER any late or missed payments or fees for such as all payments were done through direct debit.I have a horrible feeling that he just ticked all the wrong boxes.

Any thoughts?

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Okay you need to find out how the insurance was sold from your son. He may have a case for misselling but until you know how it was sold to him we have no way of knowing. Missold insurance can be reclaimed. These type of insurance policies are known as PPI.

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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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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Thank you for the above, Cahoot have told me that the payment protection was requested in the original online application made on 10/01/03 (so he's paid £9700 and only cleared just over£1000 off his loan).They also said I should be aware that the payment protection was optional. They are sending me a copy of the T & C applicable at the time of the application.

Really not looking good is it??

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Was your son employed full time when he took out the PPI and if so was he self employed? Was he over 18?

 

I think really we also need a copy of the loan agreement to see exactly what was in it. It's highly likely that the loan itself is enforceable as it was only taken out 4 years ago and most loan agreement then would have all the prescribed terms required by the Consumer Credit Act, but it would be useful to see the wording of the PPI statement as well as the terms and conditions. Often you are not told that you can buy PPI elsewhere.

 

You can request a copy of the loan agreement by sending what is known as a CCA request (template N here ). Enclose a £1 cheque/postal order with it and send recorded delivery.

 

Obviously the PPI needs to be cancelled ASAP as it will still be mounting up. So if you haven't already cancelled it you need to make sure that that is done.

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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Yes he was employed full time but not self employed. He was over 18. I have downloaded the template letter & will send it off tomorrow re the loan agreement. The t&c of the PPI have already been requested. I will email them for the wording of the PPI statement right now. I have already requested that the PPI AND the loan be cancelled immediately (Iwill sort out the outstanding balance meantime). They have acknowledged this & confirmed it will take SEVEN working days!

I will let you know when I receive any information.

I would also like to say thank you so very much for your help with this. I do appreciate it. What a fantastic Forum this is. I've been telling all my friends & colleagues (also reminding them that donations help to keep it going!)

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You're very welcome. Most of the people who help others on here are simply repaying the compliment that once they received. Many of us have been in very dark financial situations and through the help of others have found our way out and really don't want other people to feel as helpless as we once did - hence the helping hand. That's realy what CAG is all about, ensuring that people who need help get it and that the banks in particular who see no one as an individual can not run roughshod over people.

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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  • 3 weeks later...

I've finally got a copy of the credit agreement signed by my son which basically tells me nothing. He signed the credit agreement but didn't date it. The section headed "have peace of mind with cahoot payment protection" states that "we strongly recommend you to protect your loan repayments for a monthly fee of just 72p per £100. Tick here only if you have not applied online........." He did not tick. But one of the emails from Cahoot states "this product is an opt-in extra offered on our website which the customer has to select. Once the insurance product has been selected, the full terms & conditions of the policy were then displayed & before you could proceed, you clicked on a declaration to say you had read & accepted the terms & conditions of the flexibe loan payment protection policy. Without selecting this confirmation that you had read & understood the terms of the insurance it was not possible to proceed with the application"

I've just looked at his monthly statements. He paid approx £164 every month of which £93 was debit interest & £62 was loan insurance. It may be legally correct but it sure is morally wrong. He wouldn't have cleared this for 40 years!! Is there ANY comeback on this. What makes me even angrier is that there was a time during all of this that he actually was unemployed but he never claimed!!!!

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