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    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
    • it's 85k of turnover (well, now £90k). However, you're digging yourself into another hole here. That ship has probably long since sailed. Is it worth pursuing this? You're not going to get anything back from it either way.
    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
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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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1st credit cca letter


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I have posted on here before and asked for advice which has been greatly received, many thanks to all.

As I've posted before I was badly let down by a company setting up my IVA, I've since sacked them off. But my situation is one that I have not paid a penny to my creditors for 6 months, it was a condition of the IVA, and I now have taken back all the debt on my shoulders, some 40k.

1st credit have stat demanded me and I've applied to set these aside, and I have since cca them to which they've sent the standard letter that they'll expect full payment on receipt of the agreement. Just wondering what my next step is with 1st credit should they provide the agreements which is highly likely I'd guess. If they do produce the agreements should I ask for charges back to put the accounts in dispute? Then ,make further arrangements to pay these debts off?

I will deal with the other companies in due course.

I have been living with my partner for the last 9yrs but am not on the mortgage but am on the electoral role, she has nothing to do with my debts, can any company claim money from her, or the house if I'm made bankrupt? If they can I'll look for social housing right away because my debts are nothing to do with my current partner.

Thanks.

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I was in exactly the same situation with my partner - I live with him, he pays the mortgage in his sole name and always has, Im on the electoral roll there as well. THEY CANT TOUCH ANYTHING, INCLUDING THE HOUSE, THAT IS NOT IN YOUR NAME.If her name alone is on the deeds and mortgage they cant touch it. No matter how long you have been living together you have no claim on her house in the eyes of the law. 1st Credit tried to suggest they could put a charge on my partners house but they cant. If they try anything I am told it is fraud and theft and will be answerable to criminal courts.Hope that helps!

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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Mrs Ryan, you have no idea how happy that has just made me, it’s been on my mind for months now.

If it’s not bad enough that I'm riddled with debt, to think they can claim against my partner almost makes things unbearable.

Thank you:-)

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I have received an order from the court requesting me to attend a hearing because both myself (on holiday) and 1st credit failed to appear. Can anyone give me some advice or has anyone had such a request made. Not sure what I'll need to do apart from appear I guess.

I have lettered 1st credit several times to ask for my CCA, the last time I sent by recorded deliver and they replied with the standard letter.

Thanks in advance

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I've received various letters and threats over the last 3 years from 1st Credit (and associates such as Connaught, Macenzie Hall, Meritforce), despite the fact that I requested a CCA 3 years ago.

 

They still send periodic letters etc, most recently an 'authorised doorstep collector will visit' letter. Nothing has ever happened so far, they are just wasting their own time. However, I would like to see the letters stopped, what can I do?

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Do you pay them?

In my case they issued me with SD pretty quickly, after about couple of months after my debt was assigned to them. They have such a powerful tool to scare you as possibility to loose your home.

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