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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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      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.  

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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.

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Welcome - illegal repo in contravention of section 92 and unfair relationship ** WON **


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As far as I was aware, officially I didn't pay anything to anybody apart from welcome finance for the amounts they set out to include the cash price for the car and the cost of the insurances. But in effect, after much investigation, it appears I would have inadvertently paid half of the insurance premiums as commission to welcome and they then paid half of that amount to the broker, so in a roundabout kind of way I would have paid money to welcome and a broker to cover the amount of commission dealings that went on without my knowledge. This is one of the reasons I have always felt their behaviour was grossly unfair!

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Wait a minute, I'd better correct that one too! First they said they didn't pay any commission to anybody, then they said they only paid 2%, then they said they received 45% and paid 22.5% to the broker. I'll get it right in a minute, well it would be a lot easier to understand if they stuck to the same story from the beginning :madgrin:

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Ho - how funny - you do need a degree in law and language then to make any sense of the way these deals work:-) This is so similar to my situation and I have to put up with the sarcastic comments from the finance manager about how I simply dont understand the law of agency so i should just go away and multiply :!: stupid ole me - of course you are the one who pays even if it is hidden and sideways - or - are they saying they pay it all cos they are so kind

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Ho - how funny - you do need a degree in law and language then to make any sense of the way these deals work:-) This is so similar to my situation and I have to put up with the sarcastic comments from the finance manager about how I simply dont understand the law of agency so i should just go away and multiply :!: stupid ole me - of course you are the one who pays even if it is hidden and sideways - or - are they saying they pay it all cos they are so kind

 

Oh I've had that one too! They love to be patronising, it's what makes them feel so good about themselves.

 

Well if welcome sell an NU policy for £1000, for example, but NU give them £600 when they sell it and then they sell it to the customer for £1000, surely it works out that they have paid £400 for a policy and sold it to the customer for a £600 profit?? Who ends up getting stiffed and who ends up quids in??

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Crikey, what a mess! I can see why it has been rumbling on for so long now!!!

I don't think they even care what they say any more, there have been so many different stories it must be impossible for them to remember what they said last let alone what they said first! Unluckily for them I happen to be the kind of person that remembers every tiny detail of everything anybody ever said to me, (ask my husband lol!), so as soon as a new version appears it triggers the "Contradiction Recognition Alert Procedure!!" :madgrin:

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Of course the obvious question is, did you pay the broker to sort out the finance for you?

 

Not relevant - hurstanger is clear - no motive needs proving. It is either decalred - or not declared. If it is not declared it is secret.

 

The broker simply needs to decalre that they will recieve a payment from the leneder - like mine did when they arranged my mortgage. Not rocket science.

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Not relevant to your post? As I said DYOR or not the choice is yours. But in your post you didn't only refer to WFS.

.

 

Yes i did - infact i only refred to Mr Palmer.

 

And like i said it has nothing to do with the case i refer to - as the case i refer to does not include commission.

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Not relevant - hurstanger is clear - no motive needs proving. It is either decalred - or not declared. If it is not declared it is secret.

 

The broker simply needs to decalre that they will recieve a payment from the leneder - like mine did when they arranged my mortgage. Not rocket science.

Oh but Mr Palmer said on the stand at trial that 'Undisclosed' and 'Secret' were different things altogether and just because it was undisclosed it doesn't mean it was secret, in fact 'Secret' is a legal term apparently and didn't apply in this case, but then he also said that they only paid 2% commission so it's anybody's guess really! :madgrin:

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On that topic, you should check out Flanagan v Nemo... http://www.shoosmiths.co.uk/news/3769.asp

 

Relevant paragraph

 

Nemo only came into the transaction at its latter stages. They had no knowledge of the communications between Mr Flanagan and Central, which Mr Flanagan relied on to establish a fiduciary relationship. On that basis, any claim for procuring breach of fiduciary duty as against Nemo was found to fail as the lender could not have been aware of any special relationship between broker and borrower.

 

This is what makes it distinct from Hurstanger - Nemo had no knowledge. But i bet the paper trail in the OP's case shows a different set of circumstances.

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Oh but Mr Palmer said on the stand at trial that 'Undisclosed' and 'Secret' were different things altogether and just because it was undisclosed it doesn't mean it was secret, in fact 'Secret' is a legal term apparently and didn't apply in this case, but then he also said that they only paid 2% commission so it's anybody's guess really! :madgrin:

 

 

oooh - he didnt say that on oath did he by any chance?

 

deliberatley misrepresenting the facts? Or just plain wrong - not a very reliable witness.

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[Well if welcome sell an NU policy for £1000, for example, but NU give them £600 when they sell it and then they sell it to the customer for £1000, surely it works out that they have paid £400 for a policy and sold it to the customer for a £600 profit?? Who ends up getting stiffed and who ends up quids in??

 

 

The sweet shop deal

Jenny has no money for sweets

Timmy has none either but knows a way to get sweets for Jenny

Jack has lots of money for sweets

Timmy tells Jack that if he gives money to Jenny for sweets he will get a kiss

Jack gives Jenny money for sweets but Timmy wants a kiss too, so Jack tells Jenny that the price of sweets has gone up and that she must give him two kisses

Jenny gives Jack two kisses

Jack tells Timmy that he has had two kisses and one of them is for him.....

:lol:

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oooh - he didnt say that on oath did he by any chance?

 

deliberatley misrepresenting the facts? Or just plain wrong - not a very reliable witness.

Yes he did, he said he had an honest belief in its truth and then squirmed the whole way through it with many desperate looks to his pals for support :razz:

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Yes he did, he said he had an honest belief in its truth and then squirmed the whole way through it with many desperate looks to his pals for support :razz:

 

Report him for perjury - he must have known he was lying, he is head of the legal dept and would collate the evidence.

 

Deliberate misrepresentation - be interesting to know if the Sols knew this - would be one for the SRA.

 

At least report this whole case to the OFT.

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Report him for perjury - he must have known he was lying, he is head of the legal dept and would collate the evidence.

 

Deliberate misrepresentation - be interesting to know if the Sols knew this - would be one for the SRA.

 

At least report this whole case to the OFT.

 

Well that was one of the reasons I went to appeal, the whole trial was farcical! The underwriting sheet showed the amount of commission on PPI paid to be £398 but Mr Palmer said under oath that it was only £26, the judge looked at the sheet, ignored it and went with what Palmer said :-x

There was no getting away with at appeal though, the Lord Justice saw straight through their lies :-D Don't worry, I've done as much as humanly possible to highlight every single one of their lies in preparation for the final hearing. It is my sole mission in life to show them up for exactly what they are and I'm not done yet.

 

I suppose there's always some element of deceit in every case, a criminal will always protest his innocence in the hope of getting away with it I presume.

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Well that was one of the reasons I went to appeal, the whole trial was farcical! The underwriting sheet showed the amount of commission on PPI paid to be £398 but Mr Palmer said under oath that it was only £26, the judge looked at the sheet, ignored it and went with what Palmer said :-x

There was no getting away with at appeal though, the Lord Justice saw straight through their lies :-D Don't worry, I've done as much as humanly possible to highlight every single one of their lies in preparation for the final hearing. It is my sole mission in life to show them up for exactly what they are and I'm not done yet.

 

Good

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