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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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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.

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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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Sleepless Nights v 1st Credit


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I been watching this thread as it develpos, and found it very interesting. This is becuase my debts are in the process of going roughly the same way, though they are not there yet, so i am more or elss researching and seeing what needs to be done. The just in case scenario.

 

Oh, gratz on winning the case, finally some more good news on behalf of the consumer, Consumer 1 - 0 Bureacratic tossers.

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Nothing special, got about 5 collectors on my back though, all wanting money for something. One is over 6 years old now, and was origionally HSBC, but that one been passed around the houses so to speak, so many times, even i lost track of who it's with..lol

 

There are some recent ones, but i went to CAB as soon as i knew things were going a bit pear shaped. I cut up all my credit cards and stopped all attempts at getting credit. Basically i realised, mabee a bit too late that i was a silly guy to be doing this sort of thing, and i was over my head in what i could afford or not.

 

So i went to CAB and they are currently dealing with things at the moment. However, i dont think all debts have been accounted for, as i can't remember every single one, and if there are more, i don't know what to do, or if they will come after me, or what.

 

I am panicking a bit, cause i dont want to upset the hard work the CAB are helping me with, and i sure dont want another credit card.

 

The only thing i can think of is one debt that i supposedly owe to an electric company, which in theory dont exist, cause it's paid on a pre pay meter.

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Excellent News Sleepless, never mind about the costs, as 42 Man says, still no CCA and guess what 1st Crud still haven't paid daughter's costs so you are no worse off than her. We informed the court about this a week ago so will be chasing them up about this soon.Hak can I have a copy of your letter to MP?

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  • 4 months later...

Hi everyone

I hope you are all well & today seems to be an apt day for me to be posting an update with my situation

As my previous posts explain I was issued a stat demand by 1st crud last year & ended up in court wher I was told by the judge that 1st Cruds solicitors (LCS) would not object to the set aside of my stat demand because I was paying 1st crud through my debt management plan. I have heard nothing more from 1st crud, however today I recived a letter from Connaught (sent 2nd class) saying that THEIR CLIENT 1st crud/cf (surely cannot be both of them as cf was 1st cruds client?) have instructed them to recover the overdue amount & understand that i have been furnished with the full details of their clients claim (do they mean the garbage I got through from 1st crud when they were chasing the debt?) & as Connaught are unaware of any reason that payment be witheld they expect full settlement within 7 days

I am just wondering should I hit them with the "I still haven't received the CCA I asked for from 1st crud at the start of August" or the "Well the stat demand was set aside because your client has no objection to me paying through my debt management company"

Any suggestions as to my next move? thanks all

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Firstly report them to the OFT, you'll have seen the recent OFT case on them...If you are paying them through a debt management company, then they should not be pursuing this via yourself (as per the OFT's guidelines on debt collection) I know if it was me I would pay them nothing as they have failed to provide any agreement !!!

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Hi

I have dealt with these two companies, and they told the judge had not kept to a payment plan and had not replied to any of their correspondence. Lies all lies of course, but my SD was set aside by Connaught/1st Cretins, because I would promise not to ask for costs of them. I asked anyway. got none.

But I only pay them £1.00 a month, through my DMC. So if I were you, and were afraid not to pay, I would lower my payment to a token payment of £1.00, and thus satisfying the court and not breaking the bank......:)

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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No point in using the CCA argument then SN as it seems obvious you aren't going to stop paying them....unless you take it to court like this CAGGER did - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/115280-useful-information.html

 

However they are in breach of the OFT's guidelines on debt collection by pressurising you as you are in a DMP...

 

Have you sent a SAR to the original creditor as this will determine whether or not they have an agreement...?

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Common sense should prevail here !!! No statements (excessive charges), no default notice in the prescribed format (and must give 14 days) no agreement too...1st Credit took me to bankruptcy on the back of a letter saying YOU OWE US THIS !! even when I got it annulled and the BR thrown out they still had not provided ANY OTHER PAPERWORK !!!

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Seems to be something of a little triangle here between Citi, 1st Credit and Connaught.

 

You'll be very unlikely to get a copy of your CCA from Citi as they are refusing to give them out to their customers let alone through a DCA...

 

Gonna PM you.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Thanks guys

need to check what judges order said 42man

must say this is a lot easier 2nd time around, remember what I was like a few months ago with 1st crud LOL

 

My main question is - can I tell Connaught that debt is in dispute if I am paying monthly through DMP or will it make me look stupid as they can point out that if it's in dispute why am I making a monthly payment

 

Still waiting for copy of CCA from 1st crud which was requested about 5 months ago & still never received

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