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    • 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  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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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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      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.

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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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improving my credit file


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Don't mean to rain on the parade, and I may be well wrong with this, but don't the records get destroyed six years AFTER the final repayment has been made and the debt cleared?

 

Hopefully someone more in the know will confirm or deny this....just a thought.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

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Hmmm - now there's a job I never thought of trying - selling bulk shredders to the banks... Must be a hell of a market.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Don't mean to rain on the parade, and I may be well wrong with this, but don't the records get destroyed six years AFTER the final repayment has been made and the debt cleared?

 

Hopefully someone more in the know will confirm or deny this....just a thought.

 

Hi erikapnp

 

There is legislation in the finance act and anti-money laundering regulations that require certain documentation eg, credit agreements/applications etc to be kept for 6 years after the final accounting period for credit card, loan or whatever. You will find however, reading around the forums, that most financial institutions don't bother with the storage of original documents, copying/micro-fisching is the preferred method for document retention as it is considered more cost effective than paper storage using files etc like they did before computers took over the world.

 

So in a nutshell you are right with what you say but in reality it rarely happens.

 

Regards

 

Santos

Springfield

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The appropriate legislation is to do with money-laundering.

 

Most banks do in fact keep the documents, however the quantity of them is so vast that the logistics of actually retrieving any one of them makes it prohibitive to do so. I know of one High St bank who use a very large aircraft hangar which is substantially full. Imagine looking for a document which is supposed to be in a box in a stack (about 20' high) 47 rows back...

 

It is many years since documents were photographed onto microfiche. Since the early nineties nearly all financial institutions have scanned documents to (mainly) tif files. There have been many problems emerging over the years, not least the quality of the original scan.

Another common problem is indexing, where the image file is matched to a specific account number so the image can be retrieved. In some cases this was done badly so the correct image is not retrievable.

From scenarios posted here you can deduce that there are often problems with the backs of forms (sometimes they were never scanned because they never varied), and with verifiable procedures.

 

Properly done the system can work very well. Most implementations weren't done properly.

 

 

(I once worked on a database of more than seven million records - with corresponding image files - for a small and long-since taken over building society. The error rate on the indexing was pretty appalling.)

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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  • 8 months later...

This must have happened before!

I asked for my CCA and the creditor was unable to supply the documents, the account got defaulted in 2005 and is on my credit record along with the balance and my payment history.

Due to the lack of the CCA I’m no longer making payments. But the account still appears on my credit file. When will this account disappear? 6 years from the default (2011) or 6 years from my last payment? Or will the default be removed and the account jus sit there for ever!

The creditor has given up chasing payments, but has refused to give me a zero balance :(

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I'll be watching out for that.... i have printed out my CRA every six months for that very reason.

 

If that happened all i would do is write to the CRA's and say look it the same debt and the defualt has run out, look at this photo copy. then they would have to remove it?

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I have 3 some defaults on my credit report, which comes off in 2011. I know until the defaults go I’m going to get a pretty low score.

1 I have a credit card, is best to clear the amount in full or pay just more the minimum payment but always keep a blanbe on it

2 I have a contact phone that reports to me CCR, I have always paid on time. how good is this for my credit score. I’m think of getting rid of it and going on pay as you go as it’s cheaper . but the fact someone being nice about me on my credit files make me think I should keep it on.

3. how bad is an account reporting “ in agreement” for you credit score??? After all those defaults come off, there will be some accounts still reporting this. This must show I’ve been in trouble in the past? How bad is this?

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  • 2 weeks later...
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If you're struggling to cope emotionally, the Samaritans can help: call on 08457 90 90 90. Don't think "it's money issues so I can't call", they're fully geared up to help.

 

 

Merry Christmass to all you CAG-ers

 

your not alone!

Edited by master woody
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That's good advice Master Woody. I have been close to suicide because of debt but since I have found CAG I am more able to face my problems head on; and it works!

 

I'm sure creditors would love to know we are seriously ill mentally because of debt because it makes us more suseptible to paying more money. The B*******!

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I spent about an hour experiencing panic attacks and suicidal thoughts after I received the threat of Stat Demand from Connaught Collections.

 

Then I did an internet search for help... today I received the date for my next tussle with Howard Cohen, and put it to one side as non urgent.

 

Thank you Cag!

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Thanks MW. Great of you to think of others so kindly.

 

Never quite being there myself - too bloody-minded - but I do know the feelings that take you there.

 

To anyone tuning in, either post on CAG or get some help. DCAs can be bast*rds at Christmas - see my thread here. Know your enemy and how they work. CAG will help you. That is a copper-bottomed promise.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/238375-beware-sneaky-dca-tactics.html

 

Well done mate - let's keep this bumped all the way through to February.

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Great advice for anyone suffering at the hands of these devious Ba****ds. Who use Christmas and worthless threats as a lever to try and scare anyone who has'nt learnt to deal with the cretins.

 

Being 4 years into this game now I enjoy the game and have,nt lost yet. But I can also remember the stress and worry at the beginning.

 

Anyone who is suffering please take MW's advice and give them a ring remember they are there to help not to judge.

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