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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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    • 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.

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MBNA & Abbey cc, full and final settlement advice.


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Got home last night to a letter dated before my email.

 

They are offering to settle for £987 so they obviously don't have the agreement.

 

Im holding out until I have a reply to my email

 

Feeling hopeful!

mbna - no agreement provided - settled for 31% of balance!

halifax - no enforceable agreement - account held

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Have received a further email. Details below... Any thoughts? I'd like to go for the settlement offer, but it will have to be on the understanding it clears both of my accounts, which I am sure is unlikely. Also I need confirmation that I won't be chased for the outstanding. However, I'm not too worried about my credit rating at this time as it's screwed anyway. But AGAIN they say to call, no matter how many times I say writing only. Anyway here's the email:

 

I am aware that you are in a difficult financial situation at the current time. In order that I can assist you, please call me to discuss a reasonable monthly payment plan that is unique to your circumstances whilst fulfilling MBNA’s minimum requirements.

We may be able to accept the following, subject to terms and conditions:

 

1 .Account **** **** **** **** £65 per month.

 

I can stop all interest and fees, on the understanding that payments made will clear the outstanding balance within a 125 month period. I am more than willing to review the fees and charges that have already been applied to the account.

 

2. Partial Settlement

 

If you are able to make an offer of £xxxx against this full debt of £xxxxx then I will consider writing off the remainder, this will be reflected on your credit file. Even if you cannot get to the funds immediately, there are alternative options.

 

These offers are too good not to consider. Please call XXXXXX and speak to your Account Manager on ext XXXX or XXX to discuss this further. These offers are only valid up to XX August 2009.

 

 

Any thoughts?

 

Thanks

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Guest janensteve

option 2, we went for this, though they suggested £1,800 to settle £5,500 debt, we offered £1,500 and if they didn't accept , then we said that as the money was coming from a third party, the moment would be lost forever.

 

they accepted £1,500

 

i guess they need to pull the money in and i rest easy cos, they are getting more money quicker than otherwise.

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Your email is very similar to the letter I received but I didnt have the sentence about not having to pay the full settlement figure in a lump sum

 

Im also concerned that mine said they wouldnt chase me for the remainder of the debt but it doesnt mention anything about 3rd parties.

 

I emailed offering a lower settlement with stiplulation that they put it in writing and that they guarantee no one will chase the rest of the debt and that they clear my credit file

 

Do you think they are likely to go for that?

mbna - no agreement provided - settled for 31% of balance!

halifax - no enforceable agreement - account held

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Hi Susiemac,

 

Thanks for your post, though you may be better off starting you own thread. Then you can post all the details of your problems and follow the replies more easily. Your also more likely to get answers to your questions that way I expect.

 

Good luck with everything though. I hope we get the results we want!

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Does anyone else have any thought on my email? How should I proceed? Like I said I'm tempted by the second option but need to be sure I won't get chased for the remainder by a third party. And I also want a deal that will cover both of my accounts...

 

Thanks

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Hi KB

 

Just to let you know I have had a couple of emails from MBNA over the weekend. They turned down my £500 offer but are willing to accept £750. They tried to get me to pay normal monthly payments for Aug & Sep which would count towards the £750. I would then get an offer letter about 10 days later and then the rest would have to be paid within a 60 day period. The wording was quite wooly and nothing seemed definate - I got the impression it was pay the 2 months and we''ll maybe settle. I also wasnt sure enough - like you - about the 3rd party thing. They also wanted a detailed income & expenditure and a list of all my creditors, with balances.

 

I emailed back telling them I would pay the £750 in 3 installments, within 60 days on the condition that I had it it writing that it was definately a settlement and that neither mbna or ANY 3rd party would chase the debt. I also said that since it was an ex gratia payment they had no need for any of my other financial details.

 

I had an email back within 5 minutes telling me I would have the definate offer by email today as soon as it was approved by a manger.

 

Like Jane said, I think they are just desperate to get payment from you so if you want to settle, put exactly what YOU want from it writing and if they dont agree, dont settle.

 

I will let you know if and when I get the definate email and start the settlement process

mbna - no agreement provided - settled for 31% of balance!

halifax - no enforceable agreement - account held

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I have some experence with this.

 

They offer you a settlement figure because they are resigned to the fact that without you taking a settlement the debt will end up defaulting and they will sell it off at a signitive loss to themselves.

 

If you have a debt of 10K and they offer you a 4K settlement they get back 40% of the debt, if on the other hand the account defaults and is then sold off to a debt collector they may only get 20% so its more cost affective for them to settle with you.

 

From your point of view if you settle for 40% you save urself 6K because if your debt goes to a collection agency they will look for the full balence.

 

There is a reason they ask you to mke a payment this month and next and then final payment within the 60 days.

 

The account is close to default and any further payments missed will mean the account will default before the full settlemnt amount is in and therefor would b null and void, by making the paymetns you are covering the oldest missed payments and this prevents you from defaulting while coming up with the money.

 

The letter they send you once you agree should say somethink like

 

this will register on your credit file as a partial settlement for 6 years mbna will write off the remaining balance of which you will have no further responcibilty for and will not sell your debt to any third party

 

hope this helps

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Many thanks to susiemac and omega, both very interesting posts. I'll be checking my private email at lunchtime and will let you know if there are any developments. Fingers crossed it's coming to an end...

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Hi kb_ba1:)

 

I'm pleased to see that the end is hopefully nearly in sight for you over this:D

 

As the others have suggested you must make sure they settle on your terms and if you are not happy, don't agree to anything.

 

Will keep subbing and hoping to see a successful outcome for you - you deserve it!

 

Regards,

 

Landy x

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Hi KB

 

Quick update

 

Had an email stating it was definately a settlement offer at £750.

 

I then made a payment of £65 yesterday to clear the oldest arrears (to stop it going into deafault next week) and will receive a formal settlement letter within next 10 days. I have 60 days to pay the remainder of the 750 but as long as I have paid £65 in August and £65 in September, I can pay the remaining £620 as it suits me within the 60 days.

 

I will then receive a letter stating the account has been settled and my credit file will be marked "agreed partial settlement" and my arrears will cease to show.

 

They have been surprisingly easy to deal with now that its got to the stage of dealing direct by email with a specific person

 

Oh and they havent insisted on the income/expenditure/list of debts that I told them they had no reason to get for an ex gratia settlement

 

FYI my settlement has worked out at just over 30% of my balance and Im happy to pay that (I initially offered £500 knowing they would refuse but hopefully come back at less thatn their initial offer of just under £1000)

mbna - no agreement provided - settled for 31% of balance!

halifax - no enforceable agreement - account held

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Hi KB

 

Quick update

 

Had an email stating it was definately a settlement offer at £750.

 

I then made a payment of £65 yesterday to clear the oldest arrears (to stop it going into deafault next week) and will receive a formal settlement letter within next 10 days. I have 60 days to pay the remainder of the 750 but as long as I have paid £65 in August and £65 in September, I can pay the remaining £620 as it suits me within the 60 days.

 

I will then receive a letter stating the account has been settled and my credit file will be marked "agreed partial settlement" and my arrears will cease to show.

 

They have been surprisingly easy to deal with now that its got to the stage of dealing direct by email with a specific person

 

Oh and they havent insisted on the income/expenditure/list of debts that I told them they had no reason to get for an ex gratia settlement

 

FYI my settlement has worked out at just over 30% of my balance and Im happy to pay that (I initially offered £500 knowing they would refuse but hopefully come back at less thatn their initial offer of just under £1000)

 

err. have they confirmed they will not sell on the remainder of the debt?

 

S.

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"Oh and they havent insisted on the income/expenditure/list of debts that I told them they had no reason to get for an ex gratia settlement"

 

 

 

Ah... I've just sent that over. Wonder if it will effect my chances. I was quite scary to see that my outgoings are a hell of a lot more than my incomings that I realised. Wish I had read your post before and said the same as you.

 

At least now I am dealing with someone direct over email and it does make me feel much happier that I'm able to communicate with someone rather than have my letters ignored.

 

Just hope there really is light at the end of the tunnel. There were times when I really did feel suicidal. So fingers crossed it won't be long. :)

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KB

 

I know exactly how you feel!

 

Wouldnt worry about the income/expenses thing - if its clear that you income is less than your commitments it will be clear to them that you couldnt sustain normal payments

 

Good luck, hope you resolve it a level that suits you

Edited by susiemac77
spelling!

mbna - no agreement provided - settled for 31% of balance!

halifax - no enforceable agreement - account held

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KB

 

I know exactly how you feel!

 

Wouldnt worry about the income/expenses thing - if its clear that you income is less than your commitments it will be clear to them that you couldnt sustain normal payments

 

Good luck, hope you resolve it a level that suits you

 

 

This is the reason why they ask for the income /expendure. once it shows on it its more cost affective for them to settle the debt, then the quicker they will agree a settlemnt

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This is the reason why they ask for the income /expendure. once it shows on it its more cost affective for them to settle the debt, then the quicker they will agree a settlemnt

 

 

I sure hope so! I pay 'em with a spare kidney if I have to!

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Should have read my emails before posting... Sent my income/expenditure info yesterday (though now seems I didn't need to). Anyway, was then asked for my total number of creditors and thought 'well that was in the info I sent you'. However it would appear they actually wanted the total amount I owe. Though I wouldn't have thought "I need your total amount of creditors, for example you have 5 creditors totallying 20K" actually means that. Anyway before I say do I need to? I'm guessing they are now plugging for the reduced payment plan. Which I don't want. Basically they either get what my partner is willing to give them or I consider going bankrupt and they get nothing.

 

Now what do I do? Was feeling better yesterday and now I've got my stress on again... :(

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Have also received an automated email stating they are left with no choice but to default me as I won't communicate with them... What about all the letters I've sent and the offers I've made???

 

I want to cry...

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Guest janensteve

it is likely to be more a case of left not knowing what right is doing. despite entering nto an agreement to pay redcued settlement, they seemes unable to turn off their computer system, so we kept getting letters that were inconsistent.

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