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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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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.

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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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Swift Advances. Secured Loan Charges reclaim


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Thanks sparkie, but as i stated there is no account number, also is there a letter for requesting the a copy of the original credit agreement and if so is there a fee[/quote

 

Your parents must have an account Number and the total fee is £10 as stated. The requestfor the agreement is in the SAR

 

sparkie

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I am checking with my parents if they have recieved any otherecorrespondence from Swift with relation to an account number, however as i have stated there is no account number on the credit agreement, , and sorry didnt read the letter fully, to notice the CA info

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I contacted the FOS today and was advised they couldnt investigate my issue due to the fact that the loan was prior to April 2007, they said i would need to contact OFT, which i subsequently found out dont deal with individual cases, they then directed me to consumer direct, who were helpful to a point and advised they would get trading standards to contact me, i also approached some of the online solicitors who stated they wouldnt take the case due to the loan being unregulated, being prior to April 2007 & also because it was a secured loan, so this company that act like loan sharks seem to be able to get away with taking away a house from pensioners with no recourse, comments please

 

Hi JHGlover:)

 

The FOS would have been referring to not being able to investigate the enforceabilty/charges issue, but would still be able to investigate the mis-selling of the PPI on your parents' mortgage/loan. My agreement also pre-dates April 2007 and I like yourself I was informed that they would not be able to take on my complaint regarding charges on the account.

 

They are however, investigating the mis-sold PPI and I cannot see any reason why they couldn't investigate your parents' also.

 

Despite the fact that as you are aware, the OFT cannot investigate individual complaints, it is still worth firing one off to them as Marky recommended and also send one to the FSA as suggested by 42man. The more complaints that are received about Swift the more likely that action will be taken against them by these regulatory bodies.

 

I have recently received a response to my complaint about Swift (and the broker who sold us our mortgage) from the FSA who said that my concerns have been passed to the departments responsible for the supervision of both companies and that they will take the action that they believe to be appropriate. So it is definitely worth doing - it gives great satisfaction to know that you may be instrumental in the downfall of these low-lifes!

 

Regards,

 

Landy x

Edited by landy_alert
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I have the Agreement number, but have been informed that the payments have been £545.00 for the first 36 months however on the CA its states he should have been paying £515.95 for the first 36 months , i have been informed it has been reduced to £512.00 for the next 144 months but on the CA it states it should be 485.72, i have asked parent to check his bamk statements to see what he has been paying for the last 3 years, surely there is some discrepency here

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I have the Agreement number, but have been informed that the payments have been £545.00 for the first 36 months however on the CA its states he should have been paying £515.95 for the first 36 months , i have been informed it has been reduced to £512.00 for the next 144 months but on the CA it states it should be 485.72, i have asked parent to check his bamk statements to see what he has been paying for the last 3 years, surely there is some discrepency here

 

 

You may well find variancies due to the increase in interest rates. Swift raise the rates in line with whatever fancies they have at the time, Libor, Bank of England base rate, shareholder pressure, but they never come down despite the fall in rates, so the rates on your /their agreement will not be what they are paying now I doubt very much. You need the letters sent by Swift informing of these rate increases since the start of the loan.

Edited by Smarterchick
my spelling's getting as good as Sparkies
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hi folks been on night shift today only home :D

missed the craic

 

Proof of life

 

SURELY THIS IS NOT OUR mr B`````` It cant be but then again

and I dont mean Mr Bean :cool:

 

 

 

Indeed, barrister Robert Rosenberg, group legal counsel for sub-prime lender the Swift Group, and a former policy adviser to the Department of Trade and Industry on lending and consumer credit, makes the sanguine comment about fraud: "It happens. It is one of those things we have to deal with." It certainly must be dealt with, so that those innocent of fraud do not end up paying the bill.

 

 

HO! HO! HO! HO!........... HA! HA! HA! HA!

 

And I'm Not Father Xmas

 

Notice the Initials RR............."Run Rabbit"

sparkie

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You would have thought, given his fondness for we poor rogue debtors, our Mr Jonny Webster would have at least popped by and said cheerio wouldn't you? I mean, think of all the entertainment we've provided, the guidance we have given him, 'seeing the light' showing him that even people with no brains who he suckered into his loans can actually see through those brick walls of Arcadia House and not being intimidated by what we saw?

 

I think it's poor sport of him not to pop by, we'll miss him won't we folks? and I'm so dissappointed not to have been asked to pop a few quid into his leaving pressi kitty.

 

Tara Jonny...

 

not so smarter CHICK..:D or am I? ;)

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Another quote from Mr Rosenburgh THIS is what he said about another lender!!!!

 

Robert Rosenberg, an expert on loans for people with poor credit ratings, told the court that he believed the lenders did not make sufficient inquiries about the Meadows' financial situation. He said: "It is my view that on balance they did not make sufficient inquiries. There are a number of factors they should have taken into account."

 

SWift did not check if we could pay our loan back ...did not consider we were 70 when we applied for the Loan AFTER First plus had turned us down because of our age.

 

 

And Mr Rosenburgh was at Swift at the time of our loan....what a bloody hypocrite

By the way he's a Barrister for Shoosmiths

Edited by Sparkie1723
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HULLO AM BACK

must ave been the full moon my pc was down

so now how many dicky birds are sitting on the wall lol

bet the other two did or do not know half the story

well that will soon change lol :eek:

pick up a penquin two systems for the price of one:?:

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HULLO AM BACK

must ave been the full moon my pc was down

so now how many dicky birds are sitting on the wall lol

bet the other two did or do not know half the story

well that will soon change lol :eek:

 

 

Hallo Mrs Kelly, I think were on size 2 font tonight......:D Glad you're back Mrs!

 

It's getting like humpty dumpty in Brentwood..

 

Oh, and it's goodnight from Her...

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INSIDE MONEY: PROGRAMME 1: “WOULD YOU CREDIT IT?”

Presenter: Lesley Curwen

Listener: Tim Lett

Producer: Jennifer Clarke

 

Lett Are you saying that borrowers aren’t getting the benefit of protection that the law could already provide?

 

Mr Rosenburgh from Swift

 

Rosenberg That’s correct. The court ought to consider the overall indebtedness of the borrower and grant an appropriate order and the borrower ought to be made aware of the fact that additional interest is going to continue to accrue under their agreements. The court has a number of powers open to it and it just isn’t using those powers at the moment.

 

Curwen How come the judges don’t know anything about this extra lot of interest, shouldn’t they, isn’t it an obvious thing to know?

 

Rosenberg I think that they ought to be aware of this but part of the problem is that these cases are dealt with in a conveyor belt fashion and the judges just don’t have the time to give consideration to each and every case that comes before them.

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There was this bloke I spoke to about 2 hours ago who said he was getting an early night tonight....he must have gone off to sleep! :D Maybe he's been practicing the monkey dance for his court appearance? :p

 

Oh and Sparkle, I do hope it wasn't anything we said that sent Robert and Jonny off with their P45's was it? :p We are taking bets as to which of the other two goes next, fancy a punt?

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Another quote from Mr Rosenburgh THIS is what he said about another lender!!!!

 

Robert Rosenberg, an expert on loans for people with poor credit ratings, told the court that he believed the lenders did not make sufficient inquiries about the Meadows' financial situation. He said: "It is my view that on balance they did not make sufficient inquiries. There are a number of factors they should have taken into account."

 

SWift did not check if we could pay our loan back ...did not consider we were 70 when we applied for the Loan AFTER First plus had turned us down because of our age.

 

 

And Mr Rosenburgh was at Swift at the time of our loan....what a bloody hypocrite

 

 

By the way he's a Barrister for Shoosmiths

 

Good morning everyone....

 

Well we have been busy......The Meadows case is a particularly interesting one, [and well worth a read!] - (I am such an anorak!!) - as the company was ruled against in Court and there were numerous 'irregularities' and 'unusual practices' involved on the part of the lender!!!

 

Turning to Webster now departed from Swift - it is VERY important to note that liability for Criminal Acts can follow anyone wherever they go.

If you leave a company, or home, or country - the liability still follows you - it's a bit like your shadow, it never goes away completely and will often reveal your location when you least want it to!!

 

Let us now consider the terms of the Fraud Act 2006........need I say more??

 

Finally please remember this : the Police are duty bound (under the regulations governing the Police Service in the United Kingdom) to investiagte all complaints that a crime has been commtted. [This has been a public service announcement].

 

As always

 

Best wishes to all

 

 

Dougal

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Hallo Mrs Kelly, I think were on size 2 font tonight......:D Glad you're back Mrs!

 

It's getting like humpty dumpty in Brentwood..

 

Oh, and it's goodnight from Her...

 

Yep just flew into town, was on one of them pay things at airport, wanted to catch up with you lot, ditched the blackberry, not the sort of thing a trolly dolly is expected to be seen using, lol

what you got now Sparkie can you see me as well as trace me, think you ment size 12 lol used to be a size 10 when started this auld crack.

a couple of mile high flights grounded me for a while, but as they say once a flyer always a flyer lol :D

pick up a penquin two systems for the price of one:?:

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Four little dickie birds sittting on a wall

well not really on a wall but glad to see they are trying to keep up to date,been impossible so far ehhh

believe meit will get worse, why on earth do you think all this has been posted?

Because its only the tip of the iceberg I know very little but when legal eagles are on this everyday its a good sign

Big Bother is watching you ;)

pick up a penquin two systems for the price of one:?:

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Had a wee call from lads they say they are having a break again, the bell has sounded for a break, but they will be working between the rounds still

and again they will release a lot more bit by bit into the public domain, when the bell for the next round goes, so dont feel left out if they tell me no more for the minute

they know exactly what is going on and who is now fighting with who, and cah step up a gear when it suits them. believe me you have seen nothing yet :D

pick up a penquin two systems for the price of one:?:

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Quote

 

"Robert Rosenberg, an expert on loans for people with poor credit ratings"

 

Translation...................... as Counsel advisor and a Director of Swift ..He is an expert at getting people kicked out of their homes for profit ......not just to get their costs back.

 

He also said

"he believed the lenders did not make sufficient inquiries about the Meadows' financial situation. He said: "It is my view that on balance they did not make sufficient inquiries. There are a number of factors they should have taken into account.

 

If Swift had carried out the checks he refers to.....the vast majority of Swifts customers would never have been granted their loans.

 

That would not be in Swifts port folio stategy ....they have to lend money to enable them to charge their extortionate interest and charges calculated with the aim that once a customer got in the arrears trap ..they would NEVER get out it.

 

In our case they did not make one single check.....if they had just totalled up our commitments on the credit file they had copied TWICE they would have seen that eventally we could never keep up our payments...........especially at our age ...we were both 70 when we applied.

 

A late discovery also is that I have come across a CD from the now dissolved brokers and has the record of how many times they called us to RUSH the loan through .I did not really remember all this pressure selling untill I played this CD jus now.......as they were Swifts agents.....Swift are responsible for this pressure selling.

 

sparkie

Edited by Sparkie1723
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Just to make things simple I have used just my Loan as an example t o prove Swift DO NOT OWN my loan and Title. .Can everyone follow what I say?

 

Loan £47.000 interest over 10 years @ 9.84 % £ 29.000 This is the Equity they refer to

Swift borrow this £47.000 at a certain rate of interest say 5% £13.000

Swift say they then sell only the Equity to a Kestrel Company in order to obtain further funding.

As banks will only lend up to 66% of equity holdings, the Kestrel Company No1 can only borrow £19.000

 

Question………… How did Kestrel manage to borrow enough money to pay Swift the £47000 value of my loan.?

Answer………….They must have had Title transferred also.

 

No Bank would lend £47000 against £19000 Equity

 

 

sparkie

 

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