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    • Ok Thank you DX will do just that . will keep you up dated.
    • dispute it with whichever cra provider is now showing it. simply state the a/c is from 2015 and was defaulted (date) and should not have re appeared. probably getting ready to sell it on. dx
    • Hi Caught Shoplifting at John Lewis - Retail loss Prevention/Other shoplifting allegations. - Consumer Action Group Thanks a lot for commenting this experience of yours. I do understand this might be something that you are not willing to talk about anymore but the same exact scenario happened with me today at John Lewis. They took my name/ address/ a picture of me holding a signed banned letter. the only questions I've got are... will I be contacted by the police will this be recorded as police caution or criminal record?  I would really really appreciate if you could let me know how it went.  I am so so so ashamed of myself and am really making changes in my life I feel like I've lost myself for a period of my life but anyways it would be really great to hear back. Thanks 
    • I thought Delinquent ment "missing payments" its active so assumimg it can be seen ? also this is the only thing change on my credit file and that in its self being re added has dropped my credit score . the debt is SB and did drop off my credit file so how have or how can they re add it again ?
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    • 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
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notice of intended prosecution (speeding)


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cheers Snowy, I will probably write in to the Police to clarify the position with the first NIP to my son, then we will go about responding to the most recent NIP.

 

I have myself been to court in the past on a S172 summons and basically the Prosecutor wouldn't accept the fact that I couldn't recall who the driver was on one particular occasion because at the time there were three people driving over the period of the alleged speeding offence.

 

I represented myself armed with a copy of Wilkinson's but that failed to impress.

 

Basically the magistrates on that occasion also didn't believe me and I was fined £ 200 with £100 costs and 3 penalty points. You can see why we don't want it to go further !

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cheers Snowy, I will probably write in to the Police to clarify the position with the first NIP to my son, then we will go about responding to the most recent NIP.

 

I have myself been to court in the past on a S172 summons and basically the Prosecutor wouldn't accept the fact that I couldn't recall who the driver was on one particular occasion because at the time there were three people driving over the period of the alleged speeding offence.

 

I represented myself armed with a copy of Wilkinson's but that failed to impress.

 

Basically the magistrates on that occasion also didn't believe me and I was fined £ 200 with £100 costs and 3 penalty points. You can see why we don't want it to go further !

In which case I suggest that you get your son to reply asap otherwise he might be on the receiving end of a summons. His 28 days expire on Wednesday so I doubt there's time for any further communication.

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Agreed. and a S.172 is six points and lots of money. there is no loophole re Audi being the rK, its only the FIRST NIP that has the 14 day rule. who the recipient (RK) is is irrelevant. Do not fall foul of S.172.

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  • 2 weeks later...

An update to the NIP saga:-

 

Having written back to the Police Camera Enforcement Office to

 

1. Clarify that the NIP sent to my Son was replaced by the second one

2. Actually respond to the second NIP and having signed it and stated that the driver was unknown, with an attached explanatory letter

3. To ask for video evidence

4. To ask for clarification whether the original NIP had been sent to the RK within 14 days (which we suspected had actually been effective)

 

...the responses were thus:-

 

1. No answer regarding my Son's NIP

2. They returned a copy of the blank NIP (the second one to which we had actually replied) and requested that it was completed !!!!

3. They state that the video evidence "will not assist you in that identification"

4. They confirmed the date of the original NIP.

 

So, where next?

 

We have returned the NIP addressed to the correct RK (i.e. my Wife), and it was signed and it stated that the driver was not known and that all due diligence had been exercised in those enquiries.

 

Having replied to said NIP already, why do we have to complete and return a further one (also addressed to the Wife) ??

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