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    • a 'witness' to it not arriving till the 15th is sadly immaterial too. regardless to the above anyway, the PCN remains valid. 
    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
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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
      • 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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must go have to sort out the cows

 

First Irish Farmer: “My cow fell down a hole and I had to shoot it.”

Second Irish Farmer: “Did you shoot it in the hole?”

First Irish Farmer: ” No, in the head.”

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Sweetjane .

 

The APR shown on your agreemnt is 15.8% this is incorrect it should be shown as 18.2%......this makes your agreemnt unenforceable from the start yours was/is a Regulated one...........you should claim your charges back at this rate I don't think the court would allow you to add the county court rate on top of this .but this compounds your interest rate so I would do this.

sparkie

 

Each monthly charge add interest @1.57% and so on and so on

 

Hey Sparkie, sorry had a bad week with one thing and another but just catching up and found this so thank you very very much, I'll away and do my sums. Really feel among friends here fighting the good fight. I turn my back for a day or two and just look at all the trouble you, PKelly and the boys in NI are up to. I'm trying hard to feel sorry for the underlings at SWIFT but they've all contributed to making so many lives hell - it is difficult. Maybe if a few more came forward and asked for forgiveness, I might be persuaded . . .

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:grin:

dont know a lot about this net stuff so young lad trying to upload this image for me. the lads sent over :mad:

 

[ATTACH]14277[/ATTACH]

that was unbelievable bet whites specks near fell off lol they just log on now as guests our wee sparkle and co **** a brick I was told this morning

was so funny all gathered around the screen huffing and puffing lol:grin:

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lol poor McG is thinking about a claim for having to much paperwork and notes, the weight alone is worse then the wait, :roll:

its getting a hard place to work talk about walking on egg shells, swift egg shells, lol their cracking up ok

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Sparkle and co . . . would that be Zena, Pat, Joanne, Laura, Neil, Sam, Julia, Michelle, Bonnie, Iain, Andy . . . maybe Tina, Chris, Hannah, Charlotte :p Come on, join the good guys.

no way there soon will be none left lol legs are hanging out of the nest as it is, and from some of the pics I saw they are not a pretty site,

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A call to all Swift Account holders for information:

 

Can you please tell us which bank account you pay your Swift payments into?

 

To protect the site we ONLY want the last 4 digits of the sort code and the last 4 digits of the account number

 

Which Bank:

 

sort code: xx 1234

 

Account : xxxxx1234

 

Please find out from your direct debit payments or your bank statements and post them here....tick tock....:D

 

Thanks

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Can anyone on ANY of the forums tell us if they have ever obtained a loan or mortgage from Kestrel Loans No 1 Ltd or Kestrel Loans No 3 Ltd, Please tell us

 

Can any of the site team please ask this question on as many of the Forums as possible .....IT IS A MATTER OF EXTREME PUBLIC IMPORTANCE as well as Swift Customers.

Their accounts say they have "Loan Books" so there must be loans out there somewhere to back this up. I wonder if sparkle can tell us on monday...Maybe???

 

sparkie

Edited by Sparkie1723
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A call to all Swift Account holders for information:

 

Can you please tell us which bank account you pay your Swift payments into?

 

To protect the site we ONLY want the last 4 digits of the sort code and the last 4 digits of the account number

 

Which Bank: Barclays Bank plc

 

sort code: xx 7289

 

Account : xxxxx5818

 

Please find out from your direct debit payments or your bank statements and post them here....tick tock....:D

 

Thanks

 

SMC I've filled in the above from instruction details on an Early Settlement Statement cos we don't pay by direct debit. Any use?

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A call to all Swift Account holders for information:

 

Can you please tell us which bank account you pay your Swift payments into?

 

To protect the site we ONLY want the last 4 digits of the sort code and the last 4 digits of the account number

 

Which Bank: Barclays Bank plc

 

sort code: xx 7289

 

Account : xxxxx5818

 

Please find out from your direct debit payments or your bank statements and post them here....tick tock....

 

Thanks PM myself or Sparkie, NOT SPARKLE they have enough to read

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will be back on later folks but keep posting that last message everywhere,

show starts usual time, when were `with company`

ie like the rest of the stuff we use here it has two meanings,

in Russia it means half ****ed

or here `when the rabbits are out `

lol NO WONDER Swifties are going mad :mad:

Edited by pkelly

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