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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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      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 
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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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Need Help with Yes Loans ***WON***


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On Friday 13th June I received an unsolicited call from this company offering me a loan. I have NEVER applied for a loan from them and told the man that, he admitted later that he hadn’t phoned it was an automatic dialer that had called me!

 

 

He told me that I had been approved for a loan and I said that I doubted that as I had a CCJ. I put the phone down on this man TWICE and twice he rang me back. I have been very ill of late and was feeling pretty grotty when he rang. He kept asking if I needed some money and I thought it wouldn't hurt to apply and I said that ok I would more to get him off my back than anything else and knowing I would never get a loan because of the CCJ .

 

 

He asked for my bank details and I questioned why he wanted those, he said it was to put the money into my bank 'within 3-4 days'. Twice I asked him if I had actually got a loan and he told me yes the money was there and that I would be repaying the loan of £1500 over two years at the rate of £78.00 per month. He then asked me for my credit card details, I asked why and he said that he was sending me out some forms and that NO money would be taken from my account until I had returned those forms signed to him and that the money was an ‘admin charge, to fasttrack my application’. I wasn't quick enough to realise that if I had a loan as he already stated that he would not need money to fastrack anything!

 

 

Within an hour £59.50 was taken by YES loans from my account. I did not receive the forms until the next day and I have not signed them.

 

I have tried to complain but cannot get through as I have been put on hold for over half an hour and this is to a 0871 number which costs lots of money. If I phone the number for the application line I get straight through but they won’t put me through to customer care.

 

 

This man lied to me, in that he said the money would not be taken from my account until I had returned the form. I feel that his selling was hard pressure (he phoned me three times in total) and that I feel I should be able to get my money back.

 

 

 

I feel very stupid now and not a little angry at myself for ignoring the alarm bells that were going off in my head.

 

 

 

Any advice?

 

 

 

Thanks

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Since you did give him all your details it seems that he can take money out without your consent whether it is legal or not. Do you have anything written or recorded that you guys agreed on not taking money out of the account before you signed the papers? That could help getting the initial charge back. However for the whole agreement if you already signed I don't see it being possible for you to get back out of it sorry to say. They are very pushy. :(

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Report the transaction as unauthorized. If it was through your bank account them cancel any direct debit. If it was through your card, I would be asking for a new one as only they can stop them selves from taking payment.

 

Return the agreement (take copies if you can) with a letter stating that you do not want their services.

 

idax

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Hi AL,

 

Report the transaction as Ida says and make sure the bank knows this money was taken fraudulently and without your authority. Tell them you want the transaction reversed immediately. If the bank or card co need this in writing, confirm with a letter to them.

 

As you have not signed any agreement, there is nothing for you to cancel. Write to YesLoans and confirm you will not be taking any loan from them, quoting their account or reference number. Tell them they have taken money from you without authority and it has been reported to the bank concerned.

 

Do it in writing and keep copies of all letters. Send the ltr to YesLoans by Rec'd Del'y.

 

Keep the forms they have sent you.

 

Print your name on any letters to them and DON'T sign with your normal signature.

 

Don't waste another penny trying to phone them on their 0870 no.

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The new Consumer Protection from Unfair Trading Regs 2008 specifiy exactly the kind of behaviour which you are complaining of as an unfair commercial practice.

Read our guide - http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/146460-consumer-protection-unfair-trading.html and then go and complain to the OFT as they have a duty to investigate.

Tell Yes loans that you have done this.

 

Make sure that you write a full note of the phone calls and everything which was said and include this with your complaint.

 

Also begin a complaint to the FOS. You will have firstly to send a complaint to Yes Loans but make it clear that you want their final decision as you will be going on to the Ombudsman whatever they say. If they don't cooperate then go to the Ombudsman directly.

 

I suggest also that you inform the police. You will probably find that they have received a lot of complaints about this company.

 

Follow the other advice given in this thread.

 

Do all of these things straightaway.

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Thank you all for your replies.

 

I have spoken with my bank (Halifax) who were less than helpful as I gave this man my details they say theres nothing they can do.

 

I have spoken with someone at OFT who has passed on my complaint to Trading Standards who advised me that i have been mislead under the

 

Misrepresentation act of 1967

 

 

I have written recorded delivery to 'Yes Loans' as advised by the man at OFT telling them I have contacted these departments and that I want my money back within 7 days, I now await the outcome.

 

 

I hope no-one else gets misled by these people

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Hi AL,

 

Try calling Halifax again - I think they should be able to "Charge Back" the transaction if you confirm it was taken without authority. They are just being lazy and have fobbed you off.

We could do with some help from you

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  • 3 weeks later...

Good News

 

3 calls today from Yes Loans

 

All apologising for the 'misunderstanding' ;) and to tell me that my money will be back in my account by Monday.:D:D:D

 

I think the reason they have done this is that I told them I had drawn up papers with the County Court and would be claiming the money back. As soon as I told them that and rang off they rang me within 5 minutes and then another two calls from them.

 

It seems this company do not like threats of legal action against them.

 

Thank you all for your advice, and to anyone else who has been scammed by these individuals write to them complaining as I did , send recorded delivery and threaten court action. It worked for me.

Edited by autumnlady
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Hi AL,

 

This sounds good but don't let up until you get your money back. Let us know when it comes.

 

And I hope others will see this and have the confidence to just put the phone down on someone offering loans like this. Never let yourself be pressured by these callers.:)

We could do with some help from you

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Did you report this to trading standards? If this company solicited a personal loan off trade premises then this is a criminal offence under the Consumer Credit Act 1974. Trading Standards would certainly want to hear about this and may well take action.

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Hi AL,

 

Great result !! :D

 

I agree with Prolix - write a brief summary of the main events and send it to TS asking for their comments.

 

It may help stop these people taking advantage of their next victim.

 

Title changed to reflect your victory.

We could do with some help from you

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