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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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    • 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.

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    • 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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scary letter is it legit?


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hi all, found this site a few days ago and all i can say is what a godsend!!

just plucked up the courage post, this is all new to me so please be gentle. anyway, let me quickly explain the problem. the hubby has a credit card debt (allied irish banks) for 2,315 euro's , was a lot larger than that but paid off a lump sum just under 2 years ago, agreed to pay the rest monthly and they agreed to freeze the interest, fabb!! until about 2 months ago, hubby lost job, 3 little mouths to feed , missed 2 payments and they passed to a dca ,global debt recovery. we have lived in france for the past 4 years and a couple of days ago received a letter from global basically saying as we have failed to pay the account is being passed for immediate legal action to doctor olivier etienne, 15 chemin du devin, 1012 lausanne, switzerland. and litigation will commence fourteen days from this letters date. there is a very dodgy signature with no printed name, and on the back all the possible ways in the world of making payment, which i'm afraid is just not possible for the forseeable futur. this is very scary , haven;t told hubby as losing his job has already knocked the stuffing out of him, not sure how much more he can take.from scouring the forums for the past few days seems like i should be writing of for a cca?? am inclined to do the ostrich ,someone please help ,apologies for the lenght :???:

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Hi and welcome to CAG.

 

When was the card taken out roughly?

 

Are there any charges on the account e.g. late payment fees, overlimit fees?

 

Is there PPI on the account?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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hey thanks for answering!! card was taken out roughly 1995/96 .no idea about interest ect. as have had no statements from them inthe four years we have been in france. a few sporadic letters when we have missed a payment in the past but that is it. what do u think?

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I would initially send the CCA request. It's quite possible that the agreement no longer exists now if it's from 1995/96.

 

Have you received a Notice of Assignment or a Default Notice for the account?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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sorry me again, do seem to remember the lump sum we paid of a few years ago involved quite a bit of interest, sorry for sounding so uniformed but like i said no statements for 4 years, how stupid are we??

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You can get the statements from Allied Irish Banks by sending a SAR to them but I would initially just request a copy of the agreement from Global Debt Recovery.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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It's standard practice for DCA's to threaten legal action within 14 days. It's very rare for them to actually do it as it's designed to frighten you into phoning them whereby they can put more pressure on you to pay them more than you can afford. These people work on commission and their commission is all they are interested in.

 

Once you have sent the CCA request they should then put the account on hold. You should send it recorded delivery if you can along with the one pound fee. If there is a French equivalent of a postal order then use that otherwise you may wish to send them a cheque which you sign rather than your hubby. Do not sign the letter. The CCA request is template N here

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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thank you so much , will do that asap, after having a good read around the forums i have no intentions of phoning them, seems like a very bad idea , as yet they have not tried to phone , probably only a matter of time as AIB certainly have our no. here. will sign off for now as kids will be home from school very shortly, again thanks for the advice ,lets see whay happens................

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hi all, have hit a snag with the 1£ payment for the cca. went to the french post office, not possible to send a postal order abroad. cashier suggested a international money order, don't know how that works, she didn't really know either(we are in rural france after all:)), only have a euro checkbook, am assuming they won't accept that. i do have all globals bank details , iban ect. but if i transfer the payment into their bank account they could probably say that it was a payment against the debt?? don't know what to do , anyone any advice please as want to deal with this as quickly as possible, Thanks a mill...

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You could just send them one euro. It's close enough (90p at the mo') and by the time it reaches the it may be worth more than £1. The fee is after all the maximum they can charge, they don't have to charge it and many don't bother with it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Either really. Although if you have a cheque book is there any great problem with writing it out to £1 as the bank would just convert this into euros when debiting your account (I think).

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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