Jump to content


  • Tweets

  • Posts

    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Unenforceability Cases on hold until further notice


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5344 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am VERY angry in being CAGbotted because I posted ONE reply yesterday merely asking that we return to the main topic of this thread.

 

My interest has absolutely nothing to do with claim companies and my interest is solely in the unenforceability cases being stayed.

 

My post got CAGbotted, however the following post BACKING my comment that we should return to the main debate was left in place.

 

I feel insulted & let down in getting CAGbotted simply for asking that we return to the main subject of the thread.

 

Beachcomber60, I've responded to your PM.

 

 

No idea what being CAGbotted means, but neither do I care. ;)

 

I would rather this stays on topic, so I assume a good thing?

 

Been here (lurkin...) a long time and I'm none the wiser.

 

Cagbot is post unapproved or edited or moved. I have no idea how it works ;)

 

Thanks, yourbank.

 

CAGbot is an automated notification from the forum system to tell you that your posts have been edited/moved/moderated - they are sent out to let you know what has happened to your posts, etc.

 

Link to post
Share on other sites

  • Replies 1.5k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I was actually Cagbotted myself twice during the process !!

 

Good. Still no idea what it means, but if it happens to the mods as well then that is fair play.;-):D

 

CAGbot is an automated notification from the forum system to tell you that your posts have been edited/moved/moderated - they are sent out to let you know what has happened to your posts, etc.

 

EDIT: There we go then. :)

[SIZE=2][COLOR=SeaGreen][FONT=Verdana][URL="http://www.nationaldebtline.co.uk/"][/URL][/FONT][/COLOR][/SIZE]

Link to post
Share on other sites

Meaning....as the posts not relating to the original thread were cagbotted and removed to another thread...does that mean all the posts about cagbotting on this thread are now going to be removed too? sorry...my sense of humour:oops::oops:

Edited by Spamalot

[sIGPIC][/sIGPIC]

 

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

Link to post
Share on other sites

Those who have been cagbotted,were not singled out specifically,some inappropriate links were removed and possibly quotes in posts containing those links.

I was actually Cagbotted myself twice during the process !!

 

Me too..and my bum is still aching!! lol ;)

 

I only wish that being Cagbotted was the only thing I had to worry about!! :-(

 

Actually, I thought Chris did a good job of de-tangling the threads even though, being a woman, I am naturally beyond reproach and being a man (as I presume Chris is) then he was obviously wrong!! :p

 

Now, lets get back to business...being off line has really affected me!! :D

  • Haha 1

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Latest pearls of wisdom from the BBC http://news.bbc.co.uk/1/hi/business/8037983.stm

 

Not exactly latest. And not exactly wisdom either.:eek::rolleyes:

 

The BBC have finally noticed.

 

BBC NEWS | Business | Judges seek hold on debt claims

 

CAG gets a mention. ;)

 

Sorry. I am a pedant and know it. :oops:

[SIZE=2][COLOR=SeaGreen][FONT=Verdana][URL="http://www.nationaldebtline.co.uk/"][/URL][/FONT][/COLOR][/SIZE]

Link to post
Share on other sites

the BBC couldnt be further from the mark on this subject.

 

anyone wishing to clarify matters, please contact nerys the Court Manager at Chester High Court

 

there is sooo much nonsense, cr@p and other useless info being bandied about at the moment so i prefer to speak to those who actually know rather than journalists who think they know

Link to post
Share on other sites

the BBC couldnt be further from the mark on this subject

 

Just reading through that report and this thread, proves that point.

 

Hopefully this should (in the end) help consumers. ;)

[SIZE=2][COLOR=SeaGreen][FONT=Verdana][URL="http://www.nationaldebtline.co.uk/"][/URL][/FONT][/COLOR][/SIZE]

Link to post
Share on other sites

i prefer to speak to those who actually know rather than journalists who think they know

 

Seconded!

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

the BBC couldnt be further from the mark on this subject.

 

anyone wishing to clarify matters, please contact nerys the Court Manager at Chester High Court

 

there is sooo much nonsense, cr@p and other useless info being bandied about at the moment so i prefer to speak to those who actually know rather than journalists who think they know

 

 

I have a case which was issued against me by MBNA in the Chester County Court.

I spoke to them on Friday and they said a letter was posted to me on Friday informing me of the situation.

Postman has just been but nothing so far

Link to post
Share on other sites

BBC Radio 4's You & Yours had an article about these claims companies, and the cases being put on hold today. It should be up after 3 PM:

 

BBC - Radio 4 You and Yours - Monday

 

I'm sorry to say it was the usual disinformation and getting the wrong end of the stick as usual :(

 

I wonder how much of the disinformation is getting the wrong end of the stick and how much is deliberate?

Financial institutions are massively important to media companies in terms of advertising revenue and the BBC are the propoganda vehicle of the Government.

Does not take a genius to work out who's side they will be on in this

Link to post
Share on other sites

The BBC got the Halbert 9WAxxxx document and thats all they were sent, the rest they took from contacts in the industry.

 

 

Judges in England and Wales are considering putting on hold up to 100,000 claims for the cancellation of credit card and other consumer debts.
Estimates vary but up to 100,000 claims may be involved

 

The proposal is to select the cases then stay all other until the test cases have established the requisite principles

 

 

The judiciary is planning to select a few claims for a test case in the High Court to decide the issues involved.

 

The consensus is that the appropriate course is to refer a few carefully selected cases to the Commercial Court in London on a test basis

 

No deadline has been set for any decision on a test case, which will be decided by Lord Justice Moore-Bick, the deputy head of civil justice.

 

 

 

I don't think that can be construed as delibrately misleading any one - it is how it is taken from the letter from Halbert.

 

The only disinformation has been from the CMCs, whether for or against.

Edited by yourbank

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

BBC Radio 4's You & Yours had an article about these claims companies, and the cases being put on hold today. It should be up after 3 PM:

 

BBC - Radio 4 You and Yours - Monday

 

I'm sorry to say it was the usual disinformation and getting the wrong end of the stick as usual :(

 

Yes, at the end of the prog. but the primary content was having a pot at the companies who promise you they'll get rid of all your debts - just so long as you pay them trillions first! And that kind of publicity can't be all bad.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

When i first noticed this thread i must of picked up entirely the wrong idea lol.

I got the impression that this judge whatshisname was refering selcted cases to another court in order to get some set criteria in place from thse hearings. Hopefully to enable easy decision making in the CC. I.e speeding everything up. Straight forward script for assessing a CCA ect ect.

 

did i get the wrong idea lol? is this infact some sneaky effort to stitch up the consumer again lol.

Link to post
Share on other sites

When i first noticed this thread i must of picked up entirely the wrong idea lol.

I got the impression that this judge whatshisname was refering selcted cases to another court in order to get some set criteria in place from thse hearings. Hopefully to enable easy decision making in the CC. I.e speeding everything up. Straight forward script for assessing a CCA ect ect.

 

did i get the wrong idea lol? is this infact some sneaky effort to stitch up the consumer again lol.

 

So much conjecture at the moment, its a tad confusing to be fair mate.

 

Some suggest this Judge is consumer friendly and is only trying to make the mass of cases in the pipeline get through smoother and swifter... others suggest more underhand tactics by banks/government etc.

 

For my money, how can they rattle the consumer now? After precediants set out by Wilson and other case law?

 

It would all be out in the open and it would look bloody bad on the banks and government if they tried to whitewash it all.

 

With the might of the multi million pound claims industry and their own barristers etc... i doubt it will be an easy task for the banks....

 

Ultimately, this will backfire on them.... as soon as the truth is out, there will be a DELUGE of claims.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5344 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...