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    • Good evening. Hoping to keep this short and concise. Any help really appreciated! Sent originated from council tax in 2019.  I moved address for a new career 240miles away in December 2019 and have lived here ever since.  A distant friend resides at previous address.  A CCJ was filed regarding this debt in January 2020 but no correspondence was received my end or at the old address.  Move forward to this year; early April I learn of a letter received from Bailiff - Notice of Enforcement dated 13/03. Stated I had ten days to settle a payment/payment plan or £75 will be added after ten days from 13/03 and bailiff instructed to visit.  Obviously I was unaware of this letter till well after the time period passed. Attempted to contact Dukes via email but zero response. Asked for breathing space in order to check the original debt with the respective council (I wasn’t awarded a week of Housing despite being on UC for a short period due to a contract date given by the old employer).  29/04 a note was left at the old address stating a bailiff had visited. New balance £310 more than original outstanding.  I’ve since contacted both the council and the bailiff agent to state I’m more than happy to settle the original debt over a payment plan but at this stage they will not remove the fees despite all correspondence not being sent to me and obviously me only seeing them much later than one would have expected.  Tried live chat today with the company and firstly was told the fees will remain because I spoke to the enforcement agent - I have never spoken to him/her.  secondly told the fees would remain because “I tried to use their web chat service to complete an income form” - I have zero recollection of doing this and I also wonder if it’s another tactic? any help on where I stand with the fees added would be incredible. Thank you
    • the evidence you have from Mercedes is perfect. simply write to both the finance company and the dealership that sold you the car, stating under the consumer rights Act 2015 should a fault appear outside of 6mts, it's for the consumer to prove the fault was present at time of sale. Please find enclosed a copy of said report from Mercedes at XXXX stating quite clearly that the windscreen was replaced on Date , some xxx months/years BEFORE my purchase on DATE. there is a bill to pay of XXX to XXX , i expect you to sort this out between yourselves , i am not liable for this. something upon those lines anyway.  
    • Not really. I just wrote it based upon my credit file data with screenshots and stuff.  Also referring to multiple data points. You need to read before sending or writing it.    I have plenty of experience in this stuff so takes me half hour to write something like this. For you itll take an afternoon probably. An additional day with it on your CRA wont cause a problem.     Reference Material; ICO Credit File Guide - https://ico.org.uk/media/your-data-matters/documents/1282/credit-explained-dp- guidance.pdf ICO Main Page For Credit - https://ico.org.uk/for-the-public/credit/ CMF Limitation Act 1980 - https://www.checkmyfile.com/articles/the-limitation-act-1980-and-debt-time-limits.htm Gov Limitations Act 1980 - https://www.legislation.gov.uk/ukpga/1980/58/2023-11-18 (Latest Version) Transunion 6 Years - https://www.transunion.co.uk/consumer/credit-report-help/how-long-does-information-stay-on-my-credit-report-for Equifax 6 Years - https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/Howlongdoesadefaultedorsettledaccountstayinmyreport Experian 6 Years - https://www.experian.co.uk/consumer/guides/defaults.html#:~:text=A default will stay on,you still%20owe%20them%20money
    • Thanks fkofilee , by any chance is there a templete for guidance that i could use to help me write the complaint?
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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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I guess that's me screwed then.

Why don't you get a mod to change it to Not My Real Name...that should confuse the PPCs. :-D

 

Seriously - Crusher any chance of this thread or one similiar being made in a stick for this forum. I think any new posters need to be warned before they post.

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I my experience stickies tend to get ignored, ones like this that get bumped regularly get better coverage.

 

But to be sure, I'll pop another warning thread in the stickies bit later to cover all bases.

 

This is currently a serous threat to our users.

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Why don't you get a mod to change it to Not My Real Name...that should confuse the PPCs. :-D
But then nobody would know who I was.

 

Seriously - Crusher any chance of this thread or one similar being made in a stick for this forum. I think any new posters need to be warned before they post.
Another vote for a sticky here.
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never give personal details that could identify you either in posts or in PMs unless you are very very sure who you are talking to. never say who was driving the car when its a PPC invoice. could these comments be added to the closed sticky please ?

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Here you go Crusher, I've done the donkey work for you.

 

 

Please be aware: These forums are browsed by Private Parking Companies who will copy and use details from this site if they can.

 

Before Posting any images or documents to the site please make sure that you remove any identifying details.

 

These include (but are not exclusive to)

 

 

  • Name
  • Address
  • Vehicle Registration Mark (VRM)
  • Date
  • Time
  • Location
  • Ticket Number or Reference
  • Invoice Number or Reference
  • Barcodes

 

 

  • Make sure your forum user name does not give any hint to your identity.

 

  • Make sure you do not name the driver or give other details in any post or private message (PM).

 

  • Before giving any details in a Private Message or other communciation make sure you know who you are talking to and that they can be trusted.

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This does not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.

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Does that make you an ass? :-D

 

 

 

 

 

 

 

 

 

 

(Sorry! :razz:)

you forgot the -hole on the end of ass. At least that's what my work mates call me. :D

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  • 4 weeks later...

Sorry but I still think you've all gone a bit overboard and a bit 'scaremonger' on this issue.

 

To identify you the PPC need-

 

Ticket/Invoice number

Vehicle Index

Name

Address

Location of incident

Date of incident

Time of incident

(in order of usefulness to the PPC, as I see it)

 

Beyond having some of this there's no massive danger of identification. Common sense is needed, yes, but a huge scaremongering is not needed. This will put people off asking for advice. Yes the PPCs trawl the place and read threads but I'd have to ask - so what?

 

I'm yet to hear of a case where I thought the PPC were entitled to the funds they were asking for. Worst case scenario - they do identify someone - that person's defence is as solid as it was before their identity was known. I appreciate the 'don't say who was driving' argument and I see some merit in it, but not a lot at all. If a defendant were asked by the DJ then what do you suppose they'd do? They couldn't lie and they couldn't well refuse to say. I remember that case Parky made issue of in Oldham and one of the most critical things the Judge made note of was the defendant making an issue of not saying who was driving. There really is no mileage to this, in my opinion. If you were driving, so what? The issue of due notice, fair terms, penalties and so on all kill the claim before liability is established.

 

So I'd say people need to take common sense steps to protect their identity, but this isn't something that people need to be scared of. If people are too frightenned to talk here then the place loses its purpose and the PPCs have won. Was their goal really to find people and gather evidence for individual cases? I doubt it, more like their intent was to create a culture of fear and reduce confidence. You're almost doing their job for them, I'd say.

 

P

Edited by petej2811
Found a silly typo
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off topic comments will be removed, this is a serious issue.

 

I can assure users that there is a real risk of a PPC using information gleaned from here against them.

 

this should not put anyone off... just be sure to remove personal information as described above.

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off topic comments will be removed, this is a serious issue.

 

I can assure users that there is a real risk of a PPC using information gleaned from here against them.

 

this should not put anyone off... just be sure to remove personal information as described above.

 

We get all that. But what were the circumstances in which a PPC used information gleaned from here in a court case?

 

As I said, there are legal issues with doing that, depending on the circumstances.

 

Can you please elaborate?

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best policy is to treat all PPCs the same. Why 'distinguish' one or two ? often there is common interest across multiple companies. And there have been posts claiming that there is information sharing website out there specifically for use by PPCs. In light of that far far better to just name the PPCs that send lawful and legal paperwork. That list is currently empty !!

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best policy is to treat all PPCs the same. Why 'distinguish' one or two ? often there is common interest across multiple companies. And there have been posts claiming that there is information sharing website out there specifically for use by PPCs. In light of that far far better to just name the PPCs that send lawful and legal paperwork. That list is currently empty !!

 

If there is such a website its use would be criminal per the DPA. I'd go in with anyone to shut that down through the Courts and via the ICO were someone to point me in the right direction.

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