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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (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; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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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.

      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 
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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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Capital finance one help


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If you go through the whole thread I'm sure I have seen good advice for your situation. I suggest anytime you agree a repayment plan with any company you get it in writing and make sure it is not at all ambiguous. They will be happy to do so as it's a step to getting money from you.

 

If you have any money left in your current account move it to a savings account or withdraw it. Find out from CFO if they believe you still owe them money and if so how much and get it in writing. Obviously do not agree with them just get their claim in writing.

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Natwest are 100% wrong. Get the complaint to the ceo. They have NO right at all to say what happens to your money.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Troubleatmill I take it you actually got the money charged back to your account?? I've raised 2 complaints via Natwest to basically be told by the 2nd operative its not their problem, as I owe the company money and they will not do anything, that's coming from a manager at the disputes department. CFO basically said the same you owe us money so we are entitled to do it. My question to them was that its because I applied for credit on December 7th, although having checked my e-mails, text & phone records there is no such application for credit. The only record of credit was my credit rating updating.

 

 

As suggested above I will be going to the CEO of Natwest demanding the money back as I now have arrears on rent & council tax as they have taken more money than I originally thought.,

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hi robo. You need to speak to a manager. The law is very clear and your bank is very wrong.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi Robonuk

I got an immediate chargeback to my account.

I just rang the fraud no for the bank and said that the company had taken money out of my account without authority and it was therefore a fraudulent transaction. Debit card cancelled by the bank and no problems whatsoever. I have been reading on this subject this evening and it would appear from the forums that your bank Ought to refund you. Although I only joined the forums this evening there seems to be a consensus that this is the case amongst more experienced forum users?

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  • 2 weeks later...

HI guys,

 

I have also had numerous problems with these scumbags. They took near enough 500 pounds off me last month and after i contacted my back to say i never agreed to it they put a stop on my account but were unable to refund my cash. I had a stop put on my account for them and they took another 250 off me which was refunded and numerous more calls to the bank. As soon as it hit my account guess what they have taken it back!! im fuming any advice?

 

P.S i have also had the CFO resolve e-mail

 

 

 

 

Consolidate your debts with a CFO Loan of up to £1000 with loan terms up to 36 months.

 

 

 

Dear

 

We can now offer you our CFO Loan product that will get you out of default with us, improve your score with Credit Reference Agencies and consolidate your debts with our agreed affordable monthly repayments.

 

We have reviewed your account and the following figures and benefits have been tailored to you specifically.

 

1) Reduce your outstanding debt by 50%.

 

We take your current outstanding balance, including all late interest charges of £ and reduce it by 50% to £

 

2) We can offer you some extra credit as long as it is affordable.

 

We can offer you up to £ which once approved will be sent by faster payment.

 

3) Set up payment dates and a monthly amount’s that you can afford.

 

Speak to one of our finance advisors and set up monthly payments that you can afford, and pay us back over 6-36 months.

 

4) Help get your account out of default with CRA’s.

 

We will advise the Credit Reference Agencies that we work with that you are no longer in default, which may make applying for credit in the future easier.

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