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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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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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CCA Advice? Debt Write-off?


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unsecured creditors can apply for ( and increasingly will get) a charging order if you fail to keep up payments on a ccj they have obtained,

 

This simply means that they can take their money at the time your house is sold before you get your hands on the proceeds (and after any secured creditors by way of 1st 2nd mortgage etc)

 

This action is also notified to your mortgagors so they will become aware of the debt.

 

only in extreme cases where you continue not to make some payment to the creditor could they apply for force the sale of the property

 

Although at this present moment in time interest rates are very low, under normal circumstances, once a ccj is in place and if the payments are low enough it can pay you after a year or so to make an offer in full and final settlement - the longer the period of payback under the ccj the more likely they are to accept a reduced settlement as it costs them each time you make a payment

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if you have to offer a repayment there is an argument for making a really low offfer and lettting them get a ccj (or they may not bother and write it off)

 

the reason i say this is because a ccj payment is likely to be VERY low and at least you are clear in 6 years (wheras their way you will be credit hampered for the duration of paying back AND another 6 yrs)

 

the difference between a ccj and their black mark for defaulting and entering into an arrangment is non existent since both ways will effectively balcklist you

 

then again there is an argument for that not being a bad thing until you get your finances onto a good track anyway

 

just athought

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my advice, if they actually produce the agreement and it is valid would be to write to them and tell them that you ahve been seeking debt counselling advice and you didn't like the fact the the companies doing this seem to want to add to your debt so you decided to do the work yourself the first part of which they told you was to ascertain if the debt was actually due, and then make an offer of reduced payments etc- that way you can avoid starting out on negotiations on the wrong foot with them

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with regard to owning your own house- and if you have major debts- perhaps you have a family member who has helped you out with large debts in the past and you have not kept up the repayments to them- if so perhaps they might take a 2nd charge on your property to secure their debt- this in turn would have the fortunate, if purely conicidental effect of creating a buffer between your main mortgage provider and anyone else who might decide to place a charge since they would then become third charge

 

please note that in the case of charges against property the money is not shared equally in the event of foreclosure- the first second third charge etc get their full chare of the pickings until there is nothing left

 

In the event that a third charge tried to force sell your home then if for instance your mortgage company's charge was for 150,000 and your friends was for 40,000, then the third charge would only get a look in if there was anything left after these two had been paid (and who knows your friend may decide to re lend you the money afterwards to help you get back on your feet

 

i am not of course in any way suggesting that you have a friend who will just dream up a debt to claim against you!

 

however when in the Sh*t - make sure you play the same game as your c reditors

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