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    • Ok I got the Parking company wrong. Sorry. The WS Witness Statement  is what you will need to complete if NPE decide to go to Court. So are you saying that when they finally got round to sending you the correct documents, they dated the new NTH the same date as the original NTH? I hope you have kept the original one and the correspondence with NPE, yourself and the ICO. So yes, please post everything up.
    • Why are you paying them anything? you are just running out the statute barred clock to infinity. Personally I'd stop paying them immediately, and ignore any further communication from them unless it's a letter of Claim.  Also have you moved since taking out the Credit card, if so you need to write to them with your current address.
    • No they must've redacted the contract, that was like that when I received it. Yes correct I was there for 90 seconds!  Yes I uploaded the whole contents of their response to my CPR31.14, which included the original PCN 
    • Hello, I have an old Capital One credit card debt under £1500 for which I've been paying £1 a month for 5+ years. I did a CCA request to Lowell and received the original signed CA plus statements from date of inception to the end of 2019. I can see from the statements that no payments were credited to the account for all of 2019. I know payments were made as they were part of my DMP with Payplan. At the time the account was with Fredrickson.  They have not provided any statements from 2020 to present and I am writing to them to request these. So I'm sure the balance they are pursuing is incorrect - can I dispute the debt amount based on this and render it unenforceable? I've trawled the forums and Google searched but can't find an answer, so apologies if it's been asked before. Any input most appreciated, thank you :-)  
    • Thank you for your comments everyone. I have spoken to Ico about recording my phone calls for my personal use and also mentioned it to a law firm they said i was ok as long as it was not shared and for my personal use. I would never share it. I can easy prove i need to record on disability grounds.. I normally make videos how i am to document my conditions and how i am affected. I have in the past obtained a phone call to doctors to reception by GDPR. Normally I have my partner with me now. The only way i found is to have a advocate with me. even with my partner with me a trainee gp seen a short video and said in front of my partner “are they voluntary or involuntary”   
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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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police speeding fine


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For the benefit of Dragon Keeper:

 

When a someone is caught speeding (by a speed camera for instance), the registered keeper of the vehicle in question is sent a form asking them to identify the driver at the time of the offence. (a section 172 request.)

 

There are three options - 1) They were the driver, 2) They were not the driver, in which case, they must state who was driving and 3) they were not the registered keeper of the vehicle at the time of the offence.

 

In scenario 2, the person to whom the driver identification request is sent to is expected state who was driving. In the case of a hire car, the company would pass on the details of the person who had use of the vehicle at that time.

 

Where most confusion occurs is when the car is owned by a private individual but is used by other people - for example a family car driven by the wife, son and daughter. Failing to identify the driver is an offence and it is expected that one would be able to ascertain who the driver was. In such a case, the person to whom the S.172 was sent would have to name the driver (after interrogating the family) or, as a last resort, offer a list of possible drivers.

 

One may request photos in order to aid identification. However the police are under no obligation to send them.

 

After this, the police may decide to drop the case or investigate further to see if they can find out who was driving.

 

Who pays in the end? As Lamma said, whoever is prosecuted successfully! It may be that they never get to the bottom as to who was driving!

 

If I had borrowed a vehicle and did not realise I had been speeding, I would hope that when the offence came to light as it has done. I would like to know from the person I borrowed the vehicle from to tell me so that I could deal with the offence, ie: present me with speeding ticket (figure or speech) by means of putting my name down as the driver.

(I must remember to write complete explanations in the future)

 

In this event, your friend would inform the police that he was not driving. He would give them your details. They would then contact you.

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That is all you need. ask them for a copy of the photo they have. If they dont provide it then they are very shaky ground as your direct defence would be that you were not provided with a picture when asked so you cannot identify the driver. However if they send you a photo and the picture is from the back then you need to ask them to send you a picture of the driver. In which case they cant and they are stumped.

 

Not having a picture from the camera is not a defence per se.

 

The standard reply seems to be that the picture is merely to record the offending vehicle and not for driver identification. Since this is a summary case, advanced disclosure is not required either, so any documentary evidence the police (or safety camera partnership) may have would be to aid the prosecution case and nothing else.

 

However, should the police not provide a picture (or as you say, provide one showing the back of the car), one would be left with the option of just providing the details of possible drivers. It would then be up to the police to make the next move.

 

Further to this, the front facing cameras (truvelo) do take pictures which usually show the driver. Despite this, the police do not have to disclose them.

 

It is still worth asking for the picture however - if you believe it will help driver identification.

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Your next step would be to try your best to ascertain who was driving. You need to try your best to get this info.

 

If you cannot, then send the police a list of possible drivers. They will take it from there - They may take no further action or charge you for not complying with the 172 request. If they take the latter action, you would have to show that you:

 

...did not know and could not with reasonable diligence have ascertained who the driver of the vehicle or, as the case may be, the rider of the cycle was.

 

Road Traffic Act 1988 s.172(3)

 

Beware - if you are found guilty of this offence, the penalty is higher.

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