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    • old and new threads merged i though you were going to send the SB letter in 2017? dx  
    • dunno you've not scanned up what you've had before how can we tell?  
    • Today , after a lot of years i received a letter from this lot. Very friendly, "Were writing to remind you that we haven't had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. up to 2000 I had successfully gotten deferment on low income. But rather than sign on as unemployed ,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondence ceased from them, circa 2001. To date I have had no correspondence from Student Loans. I was made redundant in 2009 and reached 65 in 2012 , at which age the loan should have been cancelled. Now , today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
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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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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There's no provision to charge for two letters, so the second letter fee must go.

 

The visit fee is either completely wrong; or, if we're being charitable, they've charged you an "attendance to remove" (Fee 6) instead of an "attendance to levy" (Fee 3). It's quite clear that's wrong, confirmed by the recent ruling in Culligan v. Simkin & Marstons Group (2008 ) at paragraphs 49 and 50.

 

The visit fee ("attendance to levy", fee 3) should be no more than 28% of £197 = £55.16

 

Don't know why they haven't charged you VAT, but maybe it's because they're a council. Or maybe they're just a one man and a bike operation, too small to be VAT registered. But really there ought to be 17.5% VAT on everything.

 

 

Of course, because you've paid the amount on the warrant, before they have concluded a successful levy, you're not actually under any further obligation to pay them anything (Bennet v Bayes, 1860), nor are they legally allowed to take any further bailiff action.

Edited by JH101
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Due to the fact that these people in the council don't really know what they are doing. Would it be wise to send in a Formal Subject access Request to make sure I get a copy of the warrant of execution. Then I will be able to cross check to make sure that the amount on the Warrant is in fact £185.00

( as I have only ever been told this over the phone ) Their Sketchy letter only states that I have paid £185.00 it does not confirm this is the amount on the WOE. ( this I see is the crucial part ) However judging by the other PCN I'm pretty sure it is...

 

Once this has been confirmed I could send them a letter advising the amount on the warrant has been paid etc.

 

If I then decide not to pay their charges, could they pursue me to recover their costs any other way ?

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£185 is standard for a PCN that starts at £60

 

First you lose the 50% discount for not paying it straight away. That takes it up to the full penalty amount, which is £120.

 

Then if you don't pay within another period of time, they can send you a notice, and the PCN goes up another 50%, taking it to £180.

 

If you still don't pay, they then register the debt with the TEC at Northampton for £5, which issues them a warrant, which they then pass on to their bailiffs. Total amount on the warrant, now owing at this stage, £185.

 

Per Bennet, bailiff fees only become due when the bailiffs achieve a levy. So I think they can't get at them any other way.

 

JBW group had a heap of unpaid fees on their books for work done, when Westminster refused them a new contract in 2008. They couldn't get any money for those fees from Westminster, and according to what they told the court, there was in effect no way they could enforce them against anybody else, either.

Edited by JH101
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"If tender of the full sum is made before the seizure, the levy is illegal (Branscomb v. Bridges (1823) 1 B&C 145). No costs need be included in the tender as none can be recovered before the levy (Bennet v. Bayes (1860) 5 H&N 391).

-- John Kruse, Law of Seizure of Goods, 2nd ed. Hammicks Legal Publishing, 2009. Page 247.

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