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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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      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.  

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      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.

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      Many thanks 
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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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Blair, Oliver & Scott Help!


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I've just typed out some key points here Ska...use whatever is suitable and always send the letters recorded....i'd also send a SAR to IF too...

 

OFFICIAL COMPLAINT

 

Dear sir / madam

 

I am in receipt of your recent letter dated (xxxxxxxxx)

 

I am rather disturbed by your threatening remarks of 'impending court action'

 

As you know I am currently on a payment plan at the moment and I have had confirmation that I have NOT missed a single payment to yourselves. The nature of your letter is clearly an example of physcological harrassment.

 

I have recently applied for a Subject Access Request made under the Data Protection Act to Intelligent Finance due to a dispute on the account due to some inaccuracies on the paperwork/excessive fees/lack of a compliant default notice/termination notice

 

(I have also submitted a separate request for a copy of my agreement made under the Consumer Credit Act)

 

I am fully aware of the Office Of Fair Tradings guidelines on debt collection in line with CPUTR2008 which clearly state

 

f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so

g. making threatening statements or gestures or taking actions which suggest harm to debtors

c. refusing to deal with appointed or authorised third parties, such as Citizens Advice Bureaux, independent advice centres or money advisers

d. contacting debtors directly and bypassing their appointed representatives

I cannot understand how if your company is a licence holder from the Office Of Fair Trading that your actions appear to be a multiple breach of the guidelines as laid out by the Office Of Fair Trading.

 

What I require.

 

A copy of your company's complaints procedures.

 

An apology and confirmation that the letter was sent in error

 

If it is your intention to issue a court claim, I will have hesitation in applying to the courts to set this aside.

 

If I do not receive your complaints procedures I will have no hesitation in passing on your correspondence to the Office Of Fair Trading.

 

I trust this makes my position perfectly clear.

 

Yours faithfully...

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WELL IF WAS ME I WOULD GO WITH 42MAN LETTER

 

IN THE ROUND THEY ARE PUTTING THE PRESSURE ON TO SEE WHAT THEY GET BACK.

 

So give it back also this looks like it is a simple assignment cant take court action in their right.

 

 

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  • 3 weeks later...

Despite sending the complaint letter provided by 42man, I have now received this from Moorcroft:

 

IF8.jpg

 

 

Any suggestions greatly appreciated as to how to deal with this as I do not want to go to court when I am already paying this on a DMP. Also there is no default notice on this account either.

 

ska

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Hiya.

 

Seems to me you have been put on the DCA pass the parcel list... the minute you challenge them they pass you on... IMHO If they were really going to take you to court you'd have got a claim form not another DCA!

 

Spam

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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I still need to send the SAR, have not had the money to send it just yet.

 

ska

 

OK, no problem.

 

If your paperwork is up to scratch and you haven't received a default notice then they cannot legally terminate your agreement by bringing court action, so it is very important to know whether you have received one and whether it is valid...

 

If the answer is no default then I would suggest sending out another 42man letter and see what their reaction is. :rolleyes:

 

Spam. :-)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Thanks Spam, I know that I have not had a default notice as I file everything sent by these muppets.

 

I will send the letter 42man suggested to Moorcroft as well.

 

ska

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  • 2 weeks later...

It is pure incompetence, one threat monkey send the next threatogram in the series while another one sends an entirely different stock reply at the same time. It's what comes from them only being able to communicate with one another in grunts and screeches :D I would complain to Trading Standards.

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I would agree with Huff&Puff it's just usual DCA incompetence where the Left hand doesn't know what the right hands doing :rolleyes:.

 

I would take it that they have put things on hold and if they say they haven't you have a letter saying they have. :p

 

BTW you said in your earlier posts that you are on a DMP.. if that is the case shouldn't they be dealing with these morons for you? I thought that was the whole Idea of DMC's... to take the stress and strain away from dealing with pesky creditors!

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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That is correct I am on a DMP but they are not very good at dealing with any of this as soon as the creditors become slightly difficult they leave you to deal with it.

 

ska

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That is correct I am on a DMP but they are not very good at dealing with any of this as soon as the creditors become slightly difficult they leave you to deal with it.

 

ska

 

I hope you are not paying for their services!! :eek: If you are I would think again if I were you...you are doing a far better job yourself and you could save yourself some money. !!!

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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