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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
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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
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Swift Advances. Secured Loan Charges reclaim


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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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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There is a CAG meet in Birmingham on 21st September. Hope Swiftys on CAG site can make it.

If you go then, you will be one month too late.

If my post helped you feel better, click my scales.

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Morning all,

 

Just a short note to sorry - sorry but I'm in Sussex and it's too far for me. I wish everyone all the best though and hope it goes very well.

 

Sad that I can't be there.....:(

 

As always

 

 

Dougal

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There is a CAG meet in Birmingham on 21st September. Hope Swiftys on CAG site can make it.

sorry but in N Ireland would love to have been there. if things are going the way they are though we might make it for a big party.

the revolution is getting bigger folks and all thanks to CAG

TIME THE WORKING MAN FOUGHT BACK

 

“The greatest revolution of our generation is the discovery that human beings, by changing the inner attitudes of their minds, can change the outer aspects of their lives”

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

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Hi,

I'm the same as pkelly, .... live in the land of the leprechauns.

Maybe we could start up the Emerald Isle Swift appreciation society.:)

 

........

 

 

I think you may get ' bogged ' down with responses :grin: ( sorry - tasteless!)

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Good evening,

I agree it is time the working man fought back and reclaimed what is rightfully his that has been unlawfully taken from him!!

 

Great idea, web conferencing - must get out my Kodak Brownie.....:lol:

 

All the best to everyone as always

 

Dougal

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Good evening,

I agree it is time the working man fought back and reclaimed what is rightfully his that has been unlawfully taken from him!!

 

Great idea, web conferencing - must get out my Kodak Brownie.....:lol:

 

All the best to everyone as always

 

Dougal

 

Blimey Dougal - kodak Brownie - that brings back memories! :D

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Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

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Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

 

Hi sweetjane

I specificly requested one in SAR.....still never got one.

 

sparkie

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Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

Yes, I got one ages ago when I settled the loan selling my home. I had to ask them for it. Post 26, Page 2. Mind you, in the three and a half years of the mortgage, they never gave me an annual one.

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Hi, In Feb 2009 I took Swift to court and won a time order and today i went back and have won a temporary reduction in interest rates despite swift claiming all sorts of poverty.

I am considering revisiting court to recover charges they have piled on my account as my opinion is that if they had helped me in the firts place I wouldn't have incurred charges. To apply for a time order you must get a default letter which means missing two payments. Swift's contract seems geared to deter anyone from applying for a time order by applying these charges at the default letter point.

Wish me luck

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Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

 

I think you refer to a record of payments ...which is completely different than a statement of account.....which is all we get.....we never get a statement of account

 

sparkie

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