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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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Council Tax Worries


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Having read a lot of these posts, most people seem to be being harrassed by horrible companies for things they haven't done and I'm really sorry for you guys.

I, however, am a complete idiot and didn't pay my Council Tax because I couldn't afford to and it was a case of sitting on letters and pretending the debt didn't exist. It does and nearly two years down the line I have received many letters from various people and one that has finally kicked me up the arse and made me do aomething about it.

The letter is from a company called Marston Group and it's a Removal Notice for the sum of £2599.55. Moere than I can ever imagine owning! I rang the number on the letter and spoke to a lovely man (a complete shock in the world of owing money) and he explained that I needed to ring Marston and make an offer to pay some of this debt monthly and that they would be difficult but not to offer more than I can afford as this would end up pushing me further and further into trouble. He was actually surprisingly supportive and this made me realise that I just want to get it out of the way. He suggested that they couldn't "attend my premises with a locksmith and remove goods even in my absence" as long as I made an offer.

I was hoping that some of you wise people would be able to suggest to me how much I should offer. I know this is based entirely on what I can afford but to be totally honest I would struggle to pay £100 a month and I'm concerned that this would simply be laughed at by the people at Marstons. Urban legend says that they have to accept any offer made but I want to get my facts straight before someone bullies me on the phone and I end up promising my entire paycheck away.

I also read somewhere that I could return this debt to the Council or something, I'm not even entirely sure what this means or whether I've gone to far with the head beneath sand attitude but I'd like to know whether this is an option and if anybody knows about doing this or has experience of such.

I'm in such a horrible pickle, my mother helped me pay back a debt when I was at university but she took control of it all and I paid her back so I don't quite know what it entailed. I know that she paid £100 a month though and it was for a similar sum of student over-the-overdraft. I'm determined to put this behind me, tackle it sensibly and learn from these mistakes as on the cusp of my quarter century, I know that it's time I took responsibility for myself. But it's causing me sleepless nights again and I just want to get it sorted.

I was also wondering about a letter I've received from AIC regarding a British Gas debt, I rang them and offered to make a payment but they said this was impossible as it had come to them and they didn't offer that, I would have to pay it in full this month. This will be a complete headache and if needs must then I shall but I was wondering if they can do this and if there is any way I can make an offer with them.

Phew! Apologies for the lengthiness and thanks in advance,

 

D-E

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Hi Dancing-eyes,

Welcome to the forum. I am not an expert and clearly understand your worry, but don't panic I am sure someone with better knowledge will be along soon. If I was you then I would suggest to pay them the £100 a month, at least you are making an effort and trying your best to resolve this matter quickly.

Council Tax are a completely different league of their own, so I don't really know what the in's and the out's of resolving arrears with them are. But do everything in writing, keep copies, and always send them recorded delivery. Have you looked at the Local Authority, Council Tax and Business Rates Issues forum. It's on the main page, maybe you can get some info on there, help, advice or suggesstions until someone comes and fishes you out.

 

There is always a way out of everything its just a matter of finding it, so please don't worry too much.

 

Good luck BTW! :)

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You should fill out an 'income & expenditure' form. Excel Budget Planner.xls at http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html bottom of the first post

 

Put down all your out goings which includes any other creditors/debts, gas & electric, food & travel expenses etc. etc.

 

When you work out what you can reasonably afford, send a copy along with your offer to Marston's.

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Thank you both.

 

Would you recommend then that i write to them rather than phone them? I don't want to delay it in any way and give them futher cause to demand my pitiful possessions?

I'm all ears...

 

And thank you, fretful38, I have posted on the Council Tax forum too but it seems a bit less busy over there... I'll just keep checking back.

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I was also wondering about a letter I've received from AIC regarding a British Gas debt, I rang them and offered to make a payment but they said this was impossible as it had come to them and they didn't offer that, I would have to pay it in full this month. This will be a complete headache and if needs must then I shall but I was wondering if they can do this and if there is any way I can make an offer with them.

 

They can demand payment in full until they are blue in the face, do don't have to succumb to their stupidity. If you can afford to offer them say £5 per month or whatever, send them a postal order for that amount along with a letter stating that is all you can afford & if they cash it you will consider it as their acceptance to your proposal. Send it recorded delivery & keep a copy of the letter & delivery slip.

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Yes always write to them, if you do it tomorrow and send it Recorded Delivery it should get there Friday, or Special Delivery definitely Friday. Because it is so important and the clock is ticking I would spend a couple of extra pounds, at least you will be able to relax on the weekend Knowing you have made the right move.

Remember we all make mistakes, just have a look at some of my threads trust me your feel a a lot better :D

Apart from that I wish you good luck and hopefully you will get it sorted out soon, it ain't the end of the world like these tossers make us to believe. There is a life after debt, well that's what I tell myself to keep me insane oooooooops I meant sane ;)

 

Take care and don't WORRY!!!!!!!!!!!! too much

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Would you recommend then that i write to them rather than phone them? I don't want to delay it in any way and give them futher cause to demand my pitiful possessions?

 

Never telephone DCAs, everything must be in writing. In that way you have written evidence of any agreement.

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Goodluck with this Dancing-eyes. I know how worrying it is. I am also about to sort C Tax probs as well. They make you feel you have no choice but to pay them what they want, but nobody has the right to take more than you give as long as you are trying.

 

Good luck and heres to some peaceful, restful nights

 

olives xxx

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The easiest way would be to call the guy you spoke to before and ask him.

 

Don't worry, even if there is it's certainly not the end of the world, it just gives them more leverage than the average DCA. It just means that when you come to an arrangement you must stick to it.

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Before you do anything in your post you say you could not afford to pay your council tax. Was this because you were overstreched or because you were not working. The reason I ask is you may not owe this amount if you were on a low income. If your income was below a certain level you may have been entitled to council tax rebate.

 

However if you do owe the money one thing you must not do is let anybody from Marstons in your house if they call to discuss the matter do it outside or make an appointment to go to their office.

Once they have been into your house even if its just for a nice chat they then have the right to force entry if they need to over this debt.

 

I am not trying to frighten you but council tax is an enforcable debt and bailiffs dont always play by the rules. So no matter what they say dont let them in.

 

They would always perfere a payment plan so if you could come to some agreement but dont be forced to make an agreement you cant keep to as they will then start visiting you to inform you and add charges which soon mount up.

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