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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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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.  

      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.

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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.
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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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Need urgent advice on a 7 year old debt with hfo services ltd


mwf1982
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And I think an SAR to Barclaycard is absolutely essential now. In fact, I’d say it’s urgent. But within the SAR you need to specifically ask for certain items:

 

1. Full statements

2. When was the DN issued?

3. Copy of DN

4. When was account terminated?

5. Copy of termination notice

6. When was the account sold, exactly?

7. To whom, exactly, was the account sold?

8. Copy of Notice of Assignment

9. Copy of consumer credit agreement as signed by me

10. Call logs and correspondence re this account with regard to HFO/TR since the account was sold

 

... and anything else you may hold.

 

This will cost a tenner – please send it tomorrow. Get the rest of the SAR letter from the templates library.

 

Of course on point 9. Donkey means signed by you mwf1982 not by him - or anyone else who fancies signing it at the time :-)

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i was told by another cagger not to send a sar at this time,i guess i do need to now.

 

I read that post and the cagger implied not to SAR HFO but Barclaycard, The first thing I advocate is to SAR the OC.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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MWF this is the letter to send to Barclaycard (the OC) with a Postal Order for £10: Send recorded delivery

 

[your address]

BARCLAYCARD

Data Protection Team

Dept LRC

Northampton

NN4 7SG

 

[DATE]

 

Dear Sir/Madam

 

ACCOUNTNUMBER XXXXXXXXXXXXXXX

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

 

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information.

 

The data I require must include but is not limited to:

 

Original Credit Agreement

Full Statement of Accounts for the entire period

Copy of any Default Notice issued

Date of Default

Copy of any Termination Notice issue

Date of Termination

Copy of any Notice of Assignment

Exact date of assignment

Details of to whom the account was sold

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

[signature] put crosses through it

 

[name]

Please support CAG and they will support you.

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Excellent VJ - I have made a copy of it. MWF Are you OK with sending this? I think that the problem is you were told previously not to send a SAR to HFO as this must go to Barclays.

Please support CAG and they will support you.

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sorry havent been online for afew days due to me recently started a new job a month ago and i work nights, just checked to see when i am off work ive got 2 days off tuesday and wednesday,this week so i will send an sar to barclaycard on either of one of those days.and i will let you know when i get a reply.

 

 

I need to also check my letter from FOS cant remeber when there sent hfo a letter,has there had to reply in writeing to me within 8 weeks reguarding my compliant which has gone to the owner of hfo.

Edited by mwf1982
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Hi MWF

 

Just sort this out when you have the time - the sooner the better. You need to send off the SAR request. Also, can you tell me what HFO put in the letter that they sent with the application form and did they send anything else?

 

In your CCA request you asked them for information regarding the payments made in 2007 - did they mention this at all?

 

If we know exactly what they have sent you - we can advise on what you should write back to them.

Please support CAG and they will support you.

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sorry havent been online for afew days due to me recently started a new job a month ago and i work nights, just checked to see when i am off work ive got 2 days off tuesday and wednesday,this week so i will send an sar to barclaycard on either of one of those days.and i will let you know when i get a reply.

I need to also check my letter from FOS cant remeber when there sent hfo a letter,has there had to reply in writeing to me within 8 weeks reguarding my compliant which has gone to the owner of hfo.

 

The sooner the better M, it will take up to 40 days, the SAR is of high importance.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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I haven't read past pg. 3 of this thread so apologise for missing anything... but... have HFO ever sent you an enforceable CCA on this account?

 

If not, then you're not legally onbliged to pay them anything at all. Don't think that a SAR will flush out a CCA because it doesn't always, so if that's the only clarification that you're after.... save yourself £10 and just write to HFO (by rec. delivery) and ASK if they hold have ever held an enforceable CCA pertaining to this account and if they do, to kindly confirm that fact in their response (CPUTR, 1988).

 

You may never hear from them again or, they'll huff and puff and try to pass off a re-construction as the real deal.... but they'd need to be very careful in their reponse in order not to fall foul of CPUTR 1988.

 

:-)

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I haven't read past pg. 3 of this thread so apologise for missing anything... but... have HFO ever sent you an enforceable CCA on this account?

 

If not, then you're not legally onbliged to pay them anything at all. Don't think that a SAR will flush out a CCA because it doesn't always, so if that's the only clarification that you're after.... save yourself £10 and just write to HFO (by rec. delivery) and ASK if they hold have ever held an enforceable CCA pertaining to this account and if they do, to kindly confirm that fact in their response (CPUTR, 1988).

 

You may never hear from them again or, they'll huff and puff and try to pass off a re-construction as the real deal.... but they'd need to be very careful in their reponse in order not to fall foul of CPUTR 1988.

 

:-)

 

Where do you think HFO will get the agreement from.

With HFO there are other issues, like assignment, this is why the SAR is a priority.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Where do you think HFO will get the agreement from.

With HFO there are other issues, like assignment, this is why the SAR is a priority.

 

They might not get the Agreement and until they do, they can't enforce it.... and if they can't enforce it because they haven't got one, it doesn't matter what type of assignment it was.

 

For the record, if they are saying that they can take legal action themselves, then the account's been sold by Absolute Assignment. This means that it will have nothing to do with Barclaycard anymore..... so if they've bought an account without the paperwork to enforce it.... that's their problem and not yours....

 

By the sound of it, they're hoping you won't realise.

 

:-)

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Thanks PriorityOne useful advice and we will help MWF send an appropriate response to HFO. MWF has an alleged debt here that should be Stat Barred but is getting unbelievable hassle from HFO which is not only distressing but is the subject of official complaints.

 

The reason for requesting the SAR is so that MWF has enough evidence to defend any more actions by HFO, you find that documents suddenly 'turn up' and also to actually find out if HFO have any legal right for the appalling behaviour they have displayed over the last few months in this case, which as I have said are the subject of complaint.

Please support CAG and they will support you.

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Thanks PriorityOne useful advice and we will help MWF send an appropriate response to HFO. MWF has an alleged debt here that should be Stat Barred but is getting unbelievable hassle from HFO which is not only distressing but is the subject of official complaints.

 

The reason for requesting the SAR is so that MWF has enough evidence to defend any more actions by HFO, you find that documents suddenly 'turn up' and also to actually find out if HFO have any legal right for the appalling behaviour they have displayed over the last few months in this case, which as I have said are the subject of complaint.

 

He will get unbelievable hassle if it's close to being stat. barred because they want to flush money out before it's too late for them to do it.

 

As for complaining, the official bodies are unlikely to help you in the way that you think. Basically HFO either have a CCA or they don't... that's all a court will be interested in. If you put the onus of proof onto HFO by quoting CUPTR 1988, they may well back off.

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They might not get the Agreement and until they do, they can't enforce it.... and if they can't enforce it because they haven't got one, it doesn't matter what type of assignment it was.

 

For the record, if they are saying that they can take legal action themselves, then the account's been sold by Absolute Assignment. This means that it will have nothing to do with Barclaycard anymore..... so if they've bought an account without the paperwork to enforce it.... that's their problem and not yours....

 

By the sound of it, they're hoping you won't realise.

 

:-)

HFO never have the paperwork, but the OC is always willing to help out, they will even start action without the paperwork, they did against me.

My SAR to the OC revealed interesting info which helped me to win in the end.

MWF has already been informed the account was sold to someone other than HFO, but needs written proof, the SAR should reveal this.

Edited by broken arrow

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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HFO never have the paperwork, but the OC is alwaws willing to help out, they will even start action without the paperwork, they did against me.

My SAR to the OC revealed interesting info which helped me to win in the end.

MWF has already been informed the account was sold to someone other than HFO, but needs written proof, the SAR should reveal this.

 

"HFO never have the paperwork".... enough said :-)

 

Creditors/DCAs can and will start legal action if they think there's any chance of getting Judgement by default. I'm glad that a SAR helped in your case but had they been aware that you knew your legal rights before they took it to court, it might never have got there in the first place.

 

That's one of the points I'm trying to make.... each to their own though.

 

:-)

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So, mwf the consensus of the HFO fan club will be the SAR to Barclaycard and as a minimum, confirmation in writing of who and when the account was sold to.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Here is an SAR I knocked up which is the same as above... however, I have used a home-made signature guard which I print off on all docs these days.

 

Fill in your details and then send it off TOMORROW!

 

If you use VJ,s SAR template post 309 it has a signature guard.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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hi mwf

 

just sort this out when you have the time - the sooner the better. You need to send off the sar request. Also, can you tell me what hfo put in the letter that they sent with the application form and did they send anything else?

 

In your cca request you asked them for information regarding the payments made in 2007 - did they mention this at all?

 

If we know exactly what they have sent you - we can advise on what you should write back to them.

 

hi again coledog

 

i requested a cca about 2 and half months ago from hfo and there just sent me a copy of a appication form,with not my hand writeing on and it has the wrong date of birth on the appication.and its also not my signature.

 

On the letter it just says heres the documents you requested please contact your debt manager .there never sent any infomation on these payments there said there received in january 2007.i did ask for the evidence but never received anything reguard this.

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