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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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    • 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.

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    • 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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Put credit agency on notice problem :-(!


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This is the reply i have had, any ideas??

 

I note your opinions concerning the ongoing OFT test case and your intended complaint to the Information Commissioner.

 

The information held by credit reference agencies only shows the conduct of an account in relation to the original terms and conditions. This has no immediate bearing on whether charges applied to that account by the company concerned are fair or unfair. We are not advising other companies of the charges you may have incurred and we are not aware of that information.

 

Although, an individual may claim charges back from a financial institution this does not mean that the status history of the account is necessarily incorrect. Therefore, if the OFT test case results in penalty charges being adjudged unfair, companies will simply need to alter the balance owed on that account rather than the late payments recorded or default status.

 

In order to have initially incurred a charge you will have breached the terms and conditions of the agreement you held. The status history simply reflects that fact.

 

With regards to the data you have disputed, the Barclays Bank account is marked as settled with no history of late payments. I am therefore uncertain of how you believe this data is inaccurate regardless of the outcome of the OFT test case.

 

You have made reference to our responsibilities with regards to the Default Guidance Note issued by the Information Commissioner. Neither of the accounts you have disputed are marked as defaulted so therefore this guidance does not apply and places no further obligations upon us.

 

If you believe that certain account entries are not a true reflection of how you conducted these accounts I would ask that you please clarify why.

 

I refer you to Section 13 of the Data Protection Act 1998 that relates to claiming compensation in relation to a breach of the Data Protection Act 1998.

 

13. -

 

(1) An individual who suffers damage by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that damage.

 

(2) An individual who suffers distress by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that distress if-

 

(a) the individual also suffers damage by reason of the contravention, or

(b) the contravention relates to the processing of personal data for the special purposes.

 

You will note that an individual is only entitled to compensation if they suffer damage as a result of a breach of the Data Protection Act. A claim for distress can only be made in conjunction with a claim for damage, so therefore if no damages have been incurred a company is not liable to pay compensation for distress.

 

Although you feel that this information is to your detriment, it would be difficult to establish that any specific entry is definitely the cause of any applications for credit being declined.

 

When you make an application for credit several different factors are taken into consideration and a lender is not required to disclose to you the exact criteria applied to a particular application. Credit is also not a given right and the fact you are declined further facilities would not equate to causing you damage and subsequently being able to claim compensation for that decision.

 

With regards to your comments concerning the information being defamatory, it is important to remember that defamation is the communication of a statement that makes a false claim, expressively stated or implied to be factual, that may give a negative image.

 

The information we hold is simply a record of how your account was conducted. You do not appear to be disputing the fact that there were breaches of the contract on your part, but rather the level of the charges applied in respect of these breaches. Therefore there is no evidence, regardless of the outcome of the ongoing court case, that the information we hold makes false claim.

 

All of our clients sign up to strict terms and conditions within their contract stipulating that they must only provide us with information that is compliant with the Data Protection Act 1998.

 

I recommend that you seek professional legal guidance prior to considering any claim. You may wish to consult with our regulator, the Information Commissioner's Office, in order to obtain an unbiased opinion.

 

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  • 2 weeks later...

Nice of them to so definitively admit that the charges arose as a result of breaches of contract !

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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