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    • Ok Thank you DX will do just that . will keep you up dated.
    • dispute it with whichever cra provider is now showing it. simply state the a/c is from 2015 and was defaulted (date) and should not have re appeared. probably getting ready to sell it on. dx
    • Hi Caught Shoplifting at John Lewis - Retail loss Prevention/Other shoplifting allegations. - Consumer Action Group Thanks a lot for commenting this experience of yours. I do understand this might be something that you are not willing to talk about anymore but the same exact scenario happened with me today at John Lewis. They took my name/ address/ a picture of me holding a signed banned letter. the only question I've got is will I be contacted by the police and will this be recorded as police caution or criminal record?  I would really really appreciate if you could let me know how it went.  I am so so so ashamed of myself and am really making changes in my life I feel like I've lost myself for a period of my life but anyways it would be really great to hear back. Thanks 
    • I thought Delinquent ment "missing payments" its active so assumimg it can be seen ? also this is the only thing change on my credit file and that in its self being re added has dropped my credit score . the debt is SB and did drop off my credit file so how have or how can they re add it again ?
    • ah sorry delinquent means it dead so not hurting your file. dx  
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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
        • Like

PPC - Trolls


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It is becoming more and more obvious in recent days that these Private Parking Companies (PPC's) who issue unenforcable invoices, are trawling through these forums and forums on other consumer advice websites.

 

These "trolls" use different methods, some offer incorrect advice, some will even portay to be another victim of these PPC's

 

If you receive an invoice for allegedly breach of contract or some other fantasy reason, and you need the help of people on these or any other forum, please bare in mind the following.

 

  1. Do I need to mention the PPC issing the invoice?
  2. Do I need to mention the carpark/location?
  3. Do I need to mention what type of vehicle I have?
  4. Do I need to mention my Vehicle Registration Mark?

Before posting remind yourself about the above, of course this list is not exhaustive, simply think before you post, and ensure you do NOT include ANY personal or identifying information.

 

 

 

If you are asked to scan a copy of the invoice, this could be 100% genuine, but before you post it, ensure you REMOVE ALL and ANY PERSONAL INFORMATION, this will most likely include, but not limited to.

  1. Vehicle Registration Mark (This is obvious for the reasons)
  2. Invoice Number (Company will be able to look up details)
  3. Invoice Date & Time (PPCs who don't issue that many will simply search the date and time and find your details)
  4. Location of Issue (As above, search the location)
  5. Vehicle Type (If your vehicle is unique its not going to be to difficult for them)
  6. Vehicle Colour (As above)

And if also possible, any information identifying the PPC that issued the invoice.

 

Several reasons for this, these PPC's are ever increasingly searching the internet and have identified victims from the information supplied, and it is therefore highly likely that any information obtained will be used against them.

 

If you receive a private message from someone offering "Help" or claiming to be a victim like yourself, ask yourself this, "Why is the person posting to me, I can't help them, I'm in the same position as them." And if these people are asking for your details, then I would recommend you report the person to a Forum Moderator.

 

And finally, remember you aren't on your own in fighting these PPC's, don't be afraid to post, but just becareful on what information you do post.

  • Haha 1

Thanks

- Hobbie

 

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Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

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On a positive note - similar tactics have been employed for a long time in the debt collection forums and if CAG wasn't hurting these guys and how they operate then they wouldn't be interested in the forums on the site. Keep up the good work guys and remember to remind people who are new to the forums that it's important to remain as unidentifiable as possible.

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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Very good advice but very sad that you have to give it. Then again we would not have so many trolls unless this site is hurting their business (and I suppose having them tied up here is no bad thing in itself). In most cases the hidden agenda of the poster becomes obvious after a few posts. However it does mean that those freely giving of their own time to advise on the forum will have to give some thought as to whether the post is genuine or a PPC troll/timewaster.

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And for some stupid reason, they always seem to choose a weird username !

All opinions & information are the personal view of the poster, and are not that of any organisation, company or employer. Any information disclosed by the poster is for personal use only. Permission to process this data under the Data Protection act is NOT GIVEN to any company, only personal readers.

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And for some stupid reason, they always seem to choose a weird username !

Unfortunately, not always.

The cleverer ones will try to be less noticeable.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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without wishing to sound like a troll/perky, I will ask the question in the full acceptance that i will now be classed as one.

 

If the site and members are so confident that a ppc ticket is an unenforceable invoice why does it tell members to hide their identity and only write back saying take it up with the driver ?

 

Surely if, as the opinion seems that ALL private parking tickets are unenforceable you would be saying as such and that you would love to defend it in court ???

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Just had a thought:

 

If people dont name these companies, then won't google not pick it up when its 'spidering' its pages - thus when an unsuspecting punter gets a ticket, and googles the company name, they get the official website of the company, not the CAG website - telling them the truth about these 'tickets'.

All opinions & information are the personal view of the poster, and are not that of any organisation, company or employer. Any information disclosed by the poster is for personal use only. Permission to process this data under the Data Protection act is NOT GIVEN to any company, only personal readers.

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Just had a thought:

 

If people dont name these companies, then won't google not pick it up when its 'spidering' its pages - thus when an unsuspecting punter gets a ticket, and googles the company name, they get the official website of the company, not the CAG website - telling them the truth about these 'tickets'.

 

You have a point but for one particular company, whose identity should by now be obvious and whose agents seem to spend far more time on here than issuing tickets, it is dangerous to reveal too much. You only have to look at their website to see what they are capable of. Posters should not reveal anything that will tend to identify them, given that lurkers for this company with too much time on their hands are clearly waiting to pounce. It is sad to have to recommend this action but when you have PPC trolls trying to pull the wool over and trying all sorts of sad bluffs(until their agenda becomes transparently obvious) it is a wise thing to do.

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I understand what you are saying Mark - but if you were an unsuspecting person who had been 'ticketed' - then you would more than likely google the company name. If you came across the infamous company site first - with all its legal 'pay up or we will take your house' type of stuff, you are more likely to stop searching the net, and pay up. If the first hit that comes up is this site, then its most likely you wont pay up !.

 

For those that are more technically minded - is there a way of keeping this site on top of google listings, or is it only by activity of the company name ?

All opinions & information are the personal view of the poster, and are not that of any organisation, company or employer. Any information disclosed by the poster is for personal use only. Permission to process this data under the Data Protection act is NOT GIVEN to any company, only personal readers.

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Just another thought - perhaps there should be a section of this forum where users can name other users who they think are acting suspiciously and may be 'trolls'? The moderators can investigate and the suspected troll will of course have the right to respond but usually it is fairly obvious after a short time that they are only on here to harrass and cause inconvenience and distress.

 

I am a member of a couple of other forums and this is standard practice. Once the suspicious user is identified and confirmed as being a 'troll', they are warned, suspended or banned permanently from the forum. What does anyone think of this idea?

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And for some stupid reason, they always seem to choose a weird username !
Good examples of this being Spiceskull, Bookworm and HSBCrusher...among others...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Because an IP address can be used to identify a person, so if for example, My IP address appeared on here, and say my internet provider was XYZ Internet, and I had a problem with XYZ Internet, and posted here for advice, then it would identify me to them.

 

Also, people who post from work in lunch break or spare time or ofcourse in accordance with the companies policy on internet usage, it could and most likely will lead to people finding out who employs the user.

 

The IP address is visable to Moderators and Administrators of course by just clicking a button link on the post.

Thanks

- Hobbie

 

--------------------------------------------------------

Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

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