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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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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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Please do not post Home addresses of other members on this site.

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Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Maybe so, but we have a duty to protect any user registered on this site.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Maybe so, but we have a duty to protect any user registered on this site.

 

Indeed, a bit of fun is fine, but when it begins getting personal, people need to know where to draw the line.

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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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Indeed, a bit of fun is fine, but when it begins getting personal, people need to know where to draw the line.

 

It's a pity Perky does not have the ethics of this site.....he insists on getting personal at every opportunity with the people [edited]......................., this in turn allows people like me to "remove the gloves" when dealing with this pie eater. One thing I would not do is invite sales people to call at his office / house, this only wastes the time of decent folk.

Edited by jonni2bad
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daveth1955,

 

I agree, but do we have to bring this site down to Perky's level and loose our ethics regarding personal attacks?

 

I and everyone here agrees that what Perky does is wrong and unlawful, his business is flawed, he hasn't a scoobydoo about the law, and alot of other things no doubt.

 

But he most likely thinks what he is doing is right and lawful, that is his opinion, we know he is wrong, but he thinks otherwise, if not he wouldn't be running his business the way he does.

 

Let him continue to think what he does is right, and we (the people on here) and other forums will continuously prove otherwise at the courts, thus costing him more and more money, until evenutally he smells the coffee from his coffee shop ;) and throws the towel in once he sees the light.... or once his bank manager gets sick of him loosing at court which ever comes first :D

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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daveth1955,

 

I agree, but do we have to bring this site down to Perky's level and loose our ethics regarding personal attacks?

 

I and everyone here agrees that what Perky does is wrong and unlawful, his business is flawed, he hasn't a scoobydoo about the law, and alot of other things no doubt.

 

But he most likely thinks what he is doing is right and lawful, that is his opinion, we know he is wrong, but he thinks otherwise, if not he wouldn't be running his business the way he does.

 

Let him continue to think what he does is right, and we (the people on here) and other forums will continuously prove otherwise at the courts, thus costing him more and more money, until evenutally he smells the coffee from his coffee shop ;) and throws the towel in once he sees the light.... or once his bank manager gets sick of him loosing at court which ever comes first :D

 

I agree with most of your comments, however I disagree that he thinks he is doing right, having dealt with others like him, [edited] its not right.... but a good money earner from (and I am careful to clean this up from what he would say) "less well informed members of the motoring public" [edited] just sees others as his passport to more and more pies.

Edited by jonni2bad
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All I did was linked to a website created by Perky where HE published his own personal data, [edited]. His website was fully searchable on Google and other search engines. Therefore he has put the information in the public domain himself. He can huff and puff all he likes - and no doubt has been doing given the mods reaction - but that is the long and short of it.If this was an opponent of his Perky would not give [edited] about publishing personal information as we can readily see from his website and sponsored ad.

Edited by jonni2bad
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All I did was linked to a website created by Perky where HE published his own personal data, [edited]. His website was fully searchable on Google and other search engines. Therefore he has put the information in the public domain himself. He can huff and puff all he likes - and no doubt has been doing given the mods reaction - but that is the long and short of it.If this was an opponent of his Perky would not give [edited] about publishing personal information as we can readily see from his website and sponsored ad.

 

there may be another forum that would keep the link active, no doubt the mods here have their reasons

Edited by jonni2bad
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Maybe so, but we have a duty to protect any user registered on this site.

 

Who told you that UK ........ No you don't, not if they are already in the public domain & easily ID'd as perky is

 

That's the same argument that the MP's used & the court dismissed it out of hand

 

With the greatest respect stop being so over zealous & remember perky placed himself in this position by having him & his mates come here to cause trouble & so only has himself to blame if it's come back to bite him.

 

Not only did they very rudely slag a Judge off on this open forum but they also impugned the mods by implying personal data from the site was being disclosed to them illegaly.........such remarks against a website border on the criminal

 

If you are, no matter what he threatens & because he's full of wind, please don't pander to the [edited] demands by restricting comment or details already in the public domain

Edited by jonni2bad
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I wonder if they sell pies:wink:

 

 

 

The last couple of paragraphs are good:

 

The current owners Michael and Alexandra Perkins have been here since April 2003 and we would like to welcome all our customers, both new and old.

 

We hope we have created a relaxing atmosphere in which you can eat, drink and browse, away from modern day pressures.

 

eek - just got an email to say that my post (1st on this board) had been edited to remove Comercial Link.

 

I was only linking to Perkys other venture as it seamed relevant and in public domain (easily found via google)

 

I was just a little shocked that the PM I got was from a bot - yet it had taken ~5 days for it to be spotted... Surely the rules the bot is programmed with should be applied to submitted messages?

 

Sorry not being picky just curious

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Who told you that UK ........ No you don't, not if they are already in the public domain & easily ID'd as perky is

 

The site rules do state that:

A topic/post will be edited or deleted if it contains:

* Anything invasive into a persons privacy

 

That's the same argument that the MP's used & the court dismissed it out of hand

 

With the greatest respect stop being so over zealous & remember perky placed himself in this position by having him & his mates come here to cause trouble & so only has himself to blame if it's come back to bite him.

 

Perky may have placed himself in this position, but his family may/may not be aware of anything going on with his business practices. The link to his other website was also a commercial link. This is also against the site rules

* Any form of unauthorised advertising or Spam

 

Not only did they very rudely slag a Judge off on this open forum but they also impugned the mods by implying personal data from the site was being disclosed to them illegaly.........such remarks against a website border on the criminal

 

If you are, no matter what he threatens & because he's full of wind, please don't pander to the idiots demands by restricting comment or details already in the public domain

 

We had received a complaint, not from Perky or anyone else associated with him, about personal information being linked to this site. I have moderated the posts, as did Bankfodder, as they break the site rules. It does not matter to me if the information is in the public domain, if anyone needs the information then Google it. Links to commercial sites will be edited.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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We had received a complaint, not from Perky or anyone else associated with himquote]

 

How do mods now it was not Perky or anyone associated with him who made the complaint? He has more identities than you can shake a stick at - female, Scottish, you name it.Are mods really saying publicly available information cannot be posted on this site? If that is so 90% of posts would have to be censored.Perky has alleged that an insider provides him with personal details of members. I hope that is not true. It is a little disconcerting that the site apparently rushes to his aid even though he has alleged dishonesty by its staff and is currently running a sponsored ad slagging it off.

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We had received a complaint, not from Perky or anyone else associated with himquote]

 

How do mods now it was not Perky or anyone associated with him who made the complaint? He has more identities than you can shake a stick at - female, Scottish, you name it.Are mods really saying publicly available information cannot be posted on this site? If that is so 90% of posts would have to be censored.Perky has alleged that an insider provides him with personal details of members. I hope that is not true. It is a little disconcerting that the site apparently rushes to his aid even though he has alleged dishonesty by its staff and is currently running a sponsored ad slagging it off.

Please, listen to yourselves,

 

Firstly, NO ONE gives out personal details, this is a bizarre statement to make especially since we do not have access to your personal details

 

when you register with the site are you asked for your name and address? NO . do you give us your telephone number ? NO all you give on the registration is user name password and email address!! so how the heck can someone seriously believe that we are giving out personal information , its ridiculous to suggest and more ridiculous if you believe it !!!

 

For the record, we do not solely rush to perky s aid when something goes wrong,we uphold the site rules, which as a member im sure you will have read;) so you will know with some degree of certainty that the posting of commercial links for example is prohibited

 

on the issue of how do we know it wasnt perky that made the complaint, i dont need to disclose how but trust me we do!!

 

i hope this clears the issue up for you

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What rules? Rules that say you can't mention someones already publicly available on the World Wide Web address ......... how odd?

 

Commercial link. Yeah right what a feeble excuse that is in this case like we are all going to rush off & give the guy our business or that anyone who sees it is going to think 'nice, [edited] I think I'll visit & spend a few bob' ............ please........... You've been got at & it's a nice little win for perky

 

Also note my previous post critical post has gone. How long for this one I wonder

Edited by jonni2bad
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Apparently according to the mods an email address given when we register is not personal info held by CAG. A very strange thing to say. Also IP addresses captured by the site are presumably not personal info that CAG holds either. Now we see that posts which are even mildly critical of Perky are being systematically edited. The claim that publicly available information which is posted here is in any way invasive of privacy is a load of old baloney, with the greatest of respect.

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What rules? Rules that say you can't mention someones already publicly available on the World Wide Web address ......... how odd?...

 

Rules of THIS site - the rules you agree to abide when when you sign up to use this site's facilities.

 

We're not concerned what might be available on the WWW, we're only concerned about this site.

 

Perhaps, if you posted without having to resort to personal insults, you wouldn't find your inbox full of CAGbot messages. Is it truly that difficult to refrain from it?

 

Apparently according to the mods an email address given when we register is not personal info held by CAG. A very strange thing to say. Also IP addresses captured by the site are presumably not personal info that CAG holds either...

 

I think you'll find that the post which this concerns actually ridiculed the notion that we hold personal information - it didn't say that we don't know your email address used in registration, or that we don't know the IP address used. It was very clear to me that is was saying we don't know who our visitors are because of this - and we don't.

 

You can register with an email address (that you sign up to for free) on an anonymous server, meaning that both parts of this info are completely irrelevant.

 

This too was stated to highlight that the supposed implication of a user knowing other users details - from us - was somewhere close to laughable. Why you would choose to believe that these bits of info are likely to lead to a user being personally identifiable are beyond me, but I am more than happy for you to explain in detail why they would be.

 

...Now we see that posts which are even mildly critical of Perky are being systematically edited...

 

No, what you see in your inbox is the result of posts which attack the person and are not necessary - or indeed welcome - or when a user makes remarks about a person or company that could lead to claims of defamation or libel etc.

 

As I have explained to you, these threats need not actually hold a great deal of water for it to become expensive for this site to defend.

 

Far better, would you not agree, to avoid such silly behaviour in the first place. You could, of course, set up your own site and freely state whatever you like...

Edited by jonni2bad

..

.

 

Opinions given herein are made informally by myself 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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And Perky & Co is sitting back laughing just now, that he has managed to get the CAG Community to argue amoungst themselves....

 

Mean while back in reality, people are still needing help from people like ourselves who are getting issued with these unlawful invoices, instead of arguing amoungst ourselves, why not put it behind and move on?

 

I'm sure this is just what Perky & Co. are wanting, to break up sites like this and others, so that he can go out and earn some money again from drivers who aren't in the know and will pay up, but with forums just used as a slagging match of who said what, and what done what, and what can't be posted... move on.

 

Don't give Perky & Co, the pleasure.

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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