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    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
    • it's 85k of turnover (well, now £90k). However, you're digging yourself into another hole here. That ship has probably long since sailed. Is it worth pursuing this? You're not going to get anything back from it either way.
    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
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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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dlc trying to get a Charging Order


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Morning everyone,

 

I'd be grateful if someone could please ahve a read thru the letter below which i have drafted to go to Aplins & let me know if it's OK. Thanks

 

 

'Dear Sirs

 

Further to your correspondence, I can confirm that I have already communicated to dlc requesting for proof of my liability for the alleged debt in question.

Please find attached a copy of my correspondence to dlc.

I would be grateful if you would please ask your clients to supply the information requested within 7 days.

Yours faithfully,'

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Anything you send to Hillsden/DLC must be sent by recorded delivery and keep a copy of the letter together with your proof of posting. They are notorious for ignoring letters and going straight for CCJ's. You'll need to keep your eye on the ball with them, they don't play straight !!

 

 

thats interesting to know, they "haven't received" my 2 CCA requests or 2 letters of dispute, despite me having four signatures saying they have :|

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Rmember to send by recorded delivery and keep a copy of the letter.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Can anyone please tell me what i do if dlc do NOT respond to my 'prove it' letter? Thanks

 

There is no need to do anything, the "prove it" letter is putting the alleged debt into dispute. If they were to try it on in court, then you have an absolute defence right there.

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  • 3 weeks later...

Hi all,

I received a letter from Hillesden Securities yesterday 12 February 2010 which said as follows

"Thank you for your letter dated 6 January 2010 regarding the above account. I apologise for the delay in responding.

I can confirm that the above account relates to a loan taken out on 7 May 2004 with the Finance.

This account defaulted on 30 April 2007 & was passed to ourselves for collection in December 2009. There remains an outstanding balance on this account of £11963.92.

We are happy that the information provided by the original lender is correct & currently we have no reason to believe there are any errors in the data we hold. however should you have concerns regarding the validity of the account please provide full details along with any documentation you have to support your claim.

I hope the above is of assistance to your enquiries and should you require any further information please contact our offices"

Should i reply & if so what do i say?

It's taken them over a month to respond to my 'proof it' letter. Does that make any difference and does their letter prove anything?

Thanks

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their letter proves absolutely nothing, and how the hell are you supposed to supply them with documentation!!! they are unbelievable, just because they say you owe it..then you owe it.. i should start sending letters like this out and see if anyone pays me...should be so lucky.. send them a letter requesting the cca, costs a pound. when it arrives post on here removing identifying names etc and people can check validity

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Dear Cretins

 

Obviously my Legal Request was too difficult for your ill educated threat monkeys to comprhend so i will make it simple.

 

I have made a formal request for a copy of my properly executed Consumer Credit Agreement. You have failed to supply it.

 

Put even simpler

 

NO CCA = NO ENFORCEABLE AGREEMENT = NO COURT CASE

 

Therefore there is nothing you can do other than issue empty threats.

 

My advice to you is to stick with plucking chickens because as a DCA you are CRAP

 

yours etc

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You do not need to send a CCA request, you have asked for proof that you owe the alleged debt, and they have failed to supply it. If you feel you must write back, you can send them the "in dispute" letter, though you'll need to modify it, as there is no timescale involved.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

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That's usually the name of the game, they make silly demands and you ignore, until they get fed up and go away. They generally do after a while.

 

But if you get fed up with the threatograms, then you can complain to Trading Standards and the OFT about them chasing a disputed alleged debt.

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Thanks Huff&Puff.

 

Somehow i think that with £11,000+ at stake, they'll probably keep huffing & puffing for a while but since i have a load more debtors chasing to deal with, i'll just ignore them.

 

For now thanks to all of you for your advice. The consumeractiongroup is a real source of invaluable information & guidance for me, which continues to assist in containing my stress levels in my numerous battles with debt companies.

 

Thank you, each & all.

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Thanks Pinky69.

 

If a debt is deemed unenforceable how do u repair your credit?

 

Right now i'm trying to go gradually through all my debtors and whereever possible, i want to try & repair my currently completely ruined credit. Right now, i barely have a bank account because of all my debts ccjs defaults etc.

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Having defaults removed is not easy. You have to ask whoever entered the default to remove it on the grounds that 1) the default does not relate to an agreement in your name 2) you did not give them permission to process your data (usually given on an application form) 3) the default is inaccurate (the amount is wrong) 4) the agreement was rescinded (terminated without prior issue of a default notice) before the entries were made (rescission meaning all clauses pertaining to the processing of personal data are rescinded with the agreement). You send a copy of your request to the OC/DCA to the credit reference agencies as they have to investigate any dispute. If asking the OC/DCA to remove them doesn't work, you can then take your case to the Information Commissioner - and they take months to investigate. If that fails, you can ask a court to have them removed. I am now at the ICO stage - they have had 3 cases of mine since October - and I started requests to have them removed (3 cases) 10 months ago. Good luck.

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