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    • Well done with the photo. Of course the signage is insufficient.  PPM are not interested in competent management of a car park, they are interested in catching drivers out so they can issue their PCNs. For a start, according to their trade associations' Codes of Practice, they are supposed to have signage at the entrance. Any e-mail reply from the company and whether they will/won't/can/can't get the invoice cancelled?    
    • I will annotate the message I sent for the forum.  Sorry, didn't see this straight away...
    • I went back to the area, this photo is taken on entry. My vehicle was parked in the first space on the left.    Would you say there is sufficient signage ? It’s different to the street view as one sign is missing. The sign nearest to where I parked is 2.23m above ground! So even if the car had been reversed parked in front of it, I don’t think it could be seen. PCN PPM.pdf
    • Thank you. I expect that @dx100uk will be along soon to give advice. Meanwhile, I really wonder whether the default date – as being the starting point of the six years – something which has been decided in law. It has always seemed to me to be extremely unfair. According to the limitation act, the six year period begins from the date on which the cause of action accrued. This normally means that the breach of contract occurred. Section 6 of the limitation act says that in terms of loans, the cause of action begins on the date that the debt was "demanded". Over the past two years this has come to mean the date that the default notice was issued – but I have to say I don't find that very satisfactory. If you received demands for payment before then then I don't see why section 6 shouldn't refer to that date. Did you not receive any correspondence at all in 2017/2018? What was the value of the original loan – and how much you pay off? I see that there was some kind of instalment agreement. Tell us about that. See what my colleague @dx100uk says but anyway, if I were you I would send off an SAR immediately both to the claimant and also to the original creditor. It costs you nothing. There is no downside. Get in the post straightaway with some kind of utility bill establishing your identity. You can even include a copy of the claim form as well as proof of your identity
    • £749.69 court fee £70 legal fee £70 total £889.68 MyJar TM.pdf
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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
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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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HFO Services I am pulling me hair out.


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This breaks lots of the CPUTR 2008 rules as it contains threats. More ammo for Trading Standards and the FSA! They can't add fees either, and language such as 'when we have obtained judgement' is extremely inflammatory.

Edited by DonkeyB
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To be honest I am petrified I am a receptionist at present I can control 80% of the calls they are making to me during work hours. At present I am at the point that I dont go to lunch just in case they call and leave anymore messages with my colleaugues I have forced myself to come into work on a number of occassions when I really I should have been at home in bed. This is all ruling my life at the minute and I honestly do not know what to do!!!

 

Please try to relax & take stock/make notes of all the advice given on here.

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Lily, print that email and take it to the police. Give them the name of the person calling you at work, their number, and tell them how often they call and what they're saying. Write it all down and keep a detailed diary of events. You really can beat these nasty cheating monkeys.

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Hiya,

 

This was a email this is the guy which calls me around 8 times a day and 4-6 times a night !!!!

 

The fact that they call you at night is disgaceful & illegal enough in itself.

You really need proper help/advice asap to get this lot off your back.

I believe they are based in London/Kent is that right?

Try contacting the local police force for that area & make a complaint to them - they will warn them off you.

Ive had a police force in another county do the same for me so i know it can be done.

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Lily, get that letter off first thing tomorrow by registered post. They should stop calling you as they cannot chase you for the account while you are awaiting a copy of the credit agreement.

 

Also ring Trading Standards, tell them they have been calling your work and asking to speak to the FD/MD let them have a copy of the email. You should also tell them that they refuse to give you their address and your account number.

 

Ell-enn

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This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Don't worry, you've come to the right place. People here will give excellent advice which will really help.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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P.S. let us know when you have sent the letter and called Trading Standards

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I don't think it will be long before these crooks are brought down.

 

I have at last today had an email from Diane Nelson saying they are halting collection activity until they can get the paperwork i have asked for.

 

This after 6 weeks of letters and threats of CCJ, charges on house etc.

 

I couldn't have got this result without this forum.

 

They are a bunch of lousy cheating CU*TS, and even that is not severe enough terminology for them, who prey on the weak.

 

After reading your problems with them, it makes me even more determined to get them struck off all financial services registers and Turnbull Rutherford struck off as solicitors.

 

Don't let them panic you, and take all the good advice already given, starting with the CCA request, they know if they can't produce the goods they can't take you to court.

 

Also, request that they send you their complainte procedure, as members of the CSA, they are duty bound to give you this.

 

Good luck.

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The only power they have over you is fear. I hope with the help of others on here you feel able to take control of the situation.

 

At the moment it all feels a little out of control because they are phoning you up at night and at work. They aren't allowed to do this. It's that simple. They hope that you have no idea of your rights and will immediately pay them what they request. If you did that anyone could demand money from you. They must prove a) That you owe the money and b) that they have a right to collect it. Chances are they can prove neither hence the bluster and threats.

 

Believe me they are throwing ammunition that you can use against them. Hand them some rope or a spade, they are digging themselves in deep and as soon as they realise that you're no pushover you'll see the back of them.

 

Go for it! Good luck.

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Get onto the company which supplies your work phone no and ask to have their no barred, they can do this - I've done it against another company which kept calling me.

 

HFO have/had offices in Wimbledon and you should complain to Wimbledon police about them - they are getting a lot of complaints about their tactics and disregard for UK law. The local council where they are based has a 'Fair Trading' scheme and you should send the copy of their email to the manager there, Merton Council, Crown House, Morden, Surrey. They are also aware of this bunch of sharks.

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  • 5 months later...

Hi All,

 

I have done what was advised they are now calling saying that they are serving legal notice on me at work have sent the letters and they are now saying they have not receieved them what do I do !!

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They are flying in the wind with that email, I suggest you take it to the nearest court and ask them for help, they CANNOT add legal fees their end and then add solicitors fees, its an old ploy to bump up court costs. You also need to remind them that they haven't complied with the pre-court protocols and therefore the 72 hour notice of litigation qualification is just a lot of twaddle designed to intimidate you.

 

If you do see a solicitor they will probably tell you the same.

 

I would also send their email to the local Trading Standards office as they are clearly intimidating.

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Hiya,

 

They called around hour ago on different numbers the first one I said to contact me in writing and then another lady called and asked if my work address was open on a Sunday as they were issuing me with a Court Summons can they honestly come into my workplace and do this or is this all take I have sent both letters advised and they have said they have not receieved do I send again... The other day they called and asked to speak to my HR manager this is a living nightmare every day I have messages on my desk from them which they have left with people I work with telling me they are taking me to court !!! This is becoming so embrassing and that I owe £15000.00... It is a matter of time before my MD will be made aware of this and these people are making life a living hell at the moment !

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Hiya,

 

They called around hour ago on different numbers the first one I said to contact me in writing and then another lady called and asked if my work address was open on a Sunday as they were issuing me with a Court Summons can they honestly come into my workplace and do this or is this all take I have sent both letters advised and they have said they have not receieved do I send again... The other day they called and asked to speak to my HR manager this is a living nightmare every day I have messages on my desk from them which they have left with people I work with telling me they are taking me to court !!! This is becoming so embrassing and that I owe £15000.00... It is a matter of time before my MD will be made aware of this and these people are making life a living hell at the moment !

 

Have you spoken to the police about this yet? (not 999)

I would come clean with your boss & explain to him/her what is going on - if they hold it against you, then they are not worth working for in my view.

The harrassment they are putting you under is nothing short of a disgrace & illegal - if it was an individual doing it then u would naturally contact the police - so there is no difference here.

The court document they issue you with (if they do) may not be from an actual court at all...check with the court 1st if this does happen..its not unknown for them to fake such things.

I know its easier said than done Lily..but you need to start fighting back with these clowns asap - they will just carry on at you while they sense you are vunerable.

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Hi All,

I have done what was advised they are now calling saying that they are serving legal notice on me at work have sent the letters and they are now saying they have not receieved them what do I do !!

 

They are pure **** Lily..simple as, they darn well have received everything you have sent them - but are just fobbing you off in the hope that you pay up.

The are breaking so many laws here i wouldnt know were to start.

I seriously do recommend police advice (not 999)

You really are gonna have to fight fire with fire here Lily :evil:

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  • 1 year later...

The same is now happening to my partner he had a 3 grand loan with welcome finance in 2003 he lost his job and was unable to claim off the insurance he took out with the loan

now he's getting harrassed by hfo saying he owes 11110.00 odd number I know.

We had a 72 hour litigation notice through the post yesterday and now we don't know what to do they've called us non stop for a month now and have called his work leaving messages and now they've got hold of my mobile number which is a down right cheek I've got nothing to do with this debt.

It's to the point now that we don't answer the phone.

Any advice on what to do anybody?

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When did your partner last make a payment on this loan?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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