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    • 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  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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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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FSA fines and bans North Wales mortgage broker

FSA fines and bans North Wales mortgage broker. - Mortgage Adviser | Encyclopedia.com

 

The Financial Services Authority (FSA) has banned and heavily fined a North Wales mortgage broker after finding he had exposed about 1,500 customers to the risk of receiving unsuitable advice.

 

:shock:

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FSA Fines Scotland-Based Mortgage Company

FSA Fines Scotland-Based Mortgage Company

 

A mortgage firm in Scotland has been fined £11,900 by the Financial Services Authority (FSA) because they failed to supervise one of their mortgage advisors adequately.

The mortgage company, Mortgage Master (Glasgow) Limited, is based in Kilmarnock. The FSA stated that their failure to supervise the mortgage advisor properly allowed him to submit false and misleading information on mortgage application forms.

:rolleyes:

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The Financial Services Authority (FSA) has banned a South London mortgage broker and fined him £100,000 for his knowing involvement in the submission of false mortgage applications

Abiola Agbalaya was an FSA approved person and sole controller of Herald Finance Ltd (Herald) which operated in South London. This six figure fine is aimed at deterring approved persons from becoming involved in mortgage fraud. The fine is as a result of Mr Agbalaya's supervision of, and knowing involvement in, the submission of false mortgage applications.

 

FSA bans and fines mortgage broker £100,000 for fraud

 

:-o:shock:

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The city watchdog has fined mortgage broker Gary Lester £103,000 for knowingly submitting 42 mortgage applications to lenders containing false and misleading income information for his customers, and committing mortgage fraud to obtain a mortgage for himself.

FSA bans and fines mortgage broker - MoneyWeek

 

:D

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Financial regulator fines mortgage company directors

Financial regulator fines mortgage company directors

 

 

The Financial Services Authority (FSA) has fined two directors from Abbey bMortgages/b Limited, based in Bexleyheath and Stokesley, £30000 each for shortcomings in their bmortgage/b business which put financially vulnerable customers at risk b.../b

 

and this is only sweetie money :oops:

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The city watchdog has fined mortgage broker Gary Lester £103,000 for knowingly submitting 42 mortgage applications to lenders containing false and misleading income information for his customers, and committing mortgage fraud to obtain a mortgage for himself.

FSA bans and fines mortgage broker - MoneyWeek

 

:D

 

Hullo there pkelly I see you are back how are your mates getting on ...thought you'd be out having a pint of guiness with them:D:D

Good to have you back!!;)

 

sparkie

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THE LIST IS ENDLESS

so I wonder how on earth all our wee birdie friends will sleep in their nests at night, its only a matter of time before they are brought down to earth.

methinks " proof I am under Sparkies spell I am talking like him now"

its about time someone was made an example of to show the `rooks and crooks` that the FSA has bite after all.

they are supposed to protect us wee chicks and by hitting the big bad birdies where it hurts, other rooks will clean up their act

HAVE NO DOUBT SOMEONE WILL DO TIME FOR THIS

Keeping the national in mind

whos taking bets on the first one to go down.

 

odds Horse trainer jockey

 

evens on `The Risk Manager` Mr Hudson, Mr Blanc

2/1 `Good night Johnboy` the swift group Spiderman

7/4 `Punched Drunk` over the hill mob Drew Carrymore

3/1 Rent a Wand` A man called Da Dr Who

4/1 "Strictly come Quickly` Comp Team Jim`ll fix it

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Hullo there pkelly I see you are back how are your mates getting on ...thought you'd be out having a pint of guiness with them:D:D

Good to have you back!!;)

 

sparkie

Hi Matie yep they are horse on the brain since the big win, just spoke to them what a laugh, :cool:

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ON A SERIOUS NOTE FOR A MINUTE

would would you think will happen to the swift bunch surely they will have to be made an example of

with the fake docs etc etc surely any level headed judge will hang them out to dry :|

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back in a minute matie have to go get my son a few more bricks before wicks closes,, he is building a barbie for me, the wee critter started it 2 years ago, his famous uncle told him it was to be the height of his waist, so the wee pet is doing his best

3 ton of bricks so far and its getting there

I somehow think his uncle did not realise we live in a 3rd floor flat???

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Quote from TIE

This makes no sense at all. You have mixed leasing equipment with CCA activity. This is possibly your most wacky statement I've seen. What could the two possibly have to do with one another? the answer is simple, nothing. Is it possible they have leased equipment in their office? Are Swift 1st actuallt barred from CCA activity or do they simply not make CCA loans through Swift 1st? I bet you it's the later. This is false and misleading information.

 

I'll be posting this block discounting debenture for Mr TIE to view

1....CCA leasing agreements is a CCA activity. ( Fleet Hire agreements example)

2...Must have leased a lot of office equipment. In any event they can't obtain funds if they pay another leasing company for leasing the equipment...Its not their Equity in this case as TIE appears to think.

3....Swift 1st Ltd are barred from CCA activity and cannot make CCA loans of any description.

4....All office equipment is claimed as purchases on all their accounts no mention of lease except for Arcadia House itself.....they do not own it its leased.

So how can they present the agreements as equity for the block discounting? Just to get TIE's explanatory brain cells working.

sparkie

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back in a minute matie have to go get my son a few more bricks before wicks closes,, he is building a barbie for me, the wee critter started it 2 years ago, his famous uncle told him it was to be the height of his waist, so the wee pet is doing his best

3 ton of bricks so far and its getting there

I somehow think his uncle did not realise we live in a 3rd floor flat???

 

 

Are we all invited to this barbie when its done:grin:

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Guest takeiteasy

Sparkie - you just blather on about things that make no sense. The leasing information is so strange even by your standards. Also, check on one of your previous posts about lawyers who handle money having to be registered /authorised by the FSA - this is false and another fact you have gotten wrong. Just because you change the font to bold and use cartoon faces in your text doesn't mean the statement is true.

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mr tie can you explain what on earth you are on this for considering you know it all perhaps you could inform us at to what you know swift have done wrong

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TIE I have kept out of this all along but now I know who you are I will give my opinion.

 

I dont understand why you are getting so worked up about somethings that somone is saying. Surely its up to the people reading this wheather they want to listen to what Sparkie is saying or not?? True??

I really dont know why you care so much well i sorta do but thats besides the point.

 

These people have their own brains and are entitled to believe what they want, if Sparkie says a Crow is WHITE and I believe what he is saying then thats up to me isnt it?

 

I wouldnt get so annoyed, you will end up giving yourself a migraine plus you age far quicker when you get stressed and you wouldnt want that now, would you.

 

Thats a good boy!!! Calmly does it.

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Guest takeiteasy

LFI - I looked at the post 14 on the Kensington board. Some of what the guy says is accurate but much of it isn't. I suspect the guy that posted it is that boards Sparkie. There is a lot of information that either isn't true or isn't illegal. HML are the largest Third Party Administrator (TPA) in the UK. It is very true that they have different numbers for the various lenders they service for. They are not the bond holders. If a loan is securitised generally you can't provide additional lending on it but that has nothing to do with HML. They have very sophisticated technology to manage arrears. HML follow the lenders instructions as far as when to repossess and everything else for a fee. Redstone never stole money from his account (a very Sparkiesh claim). There is extreme supervision of HML and other TPA's. In fact, the FSA has published detailed guidelines for TPA's and not only will they hold the TPA responsible for breaches but also the lender for employing them. The bulk of this post is factually incorrect. HML (I think) are owned by the Skipton Building Society. The bottom line is TPA's service loans for lenders for a fee of 25bps-50bps. in the overwhelming majority of cases they need the lenders approval to repossess.

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If you have real peoples interest in mind, perhaps you could be more constructive,

And contribute to the forum instead of obviously aiming your remarks at Sparkie.

Without good decent men like him this world would be in an even more sorry state.

So tell me why the personal vendetta. Would it be that you are personally involved or connected to this nest of vipers

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TIE I have kept out of this all along but now I know who you are I will give my opinion.

 

I dont understand why you are getting so worked up about somethings that somone is saying. Surely its up to the people reading this wheather they want to listen to what Sparkie is saying or not?? True??

I really dont know why you care so much well i sorta do but thats besides the point.

 

These people have their own brains and are entitled to believe what they want, if Sparkie says a Crow is WHITE and I believe what he is saying then thats up to me isnt it?

 

I wouldnt get so annoyed, you will end up giving yourself a migraine plus you age far quicker when you get stressed and you wouldnt want that now, would you.

 

Thats a good boy!!! Calmly does it.

sorry to be a killjoy but strickly speaking as we are all correcting each other now, sparkie would be right if he stated he saw a white crow,

I saw one myself once

 

Google Image Result for http://www.jphpk.gov.my/English/crow.jpg

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Guest takeiteasy

mmcourt - I am not worked up at all. I spent some time reading Sparkie's posts and they were so false and misleading and so many people believed him. Despite the fact that not one single thing he has ever said has come to fruition. He speaks as if he's an authority and I will give him credit, he is very persuasive of course charming. Most people here have been screwed by Swift and you should be focusing on the areas where you have the best chance to get redemption. I am positive your redemption does not lie in the things Sparkie is talking about. Do what I did and go back and read his posts and really think about what he is saying.

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Are we all invited to this barbie when its done:grin:

 

of course you are my friend hope you like foul. I recond there will be a lot of cheap meat on the market I feel there is a slaughter coming very shortly:?

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:lol::lol::lol::lol: pkelly you get me all the time:p but on the other hand Sparkie would then have been right in saying what he said about a white crow so I would have been right to listen to him :grin: lol. ps how long did you spend looking for that rotfl.
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