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    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFO services / Barclycard


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If not the letter is in the library @ http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale. Once you have sent this recorded delivery they cant take you to court unless they have fully provided the CCA request

My advice is given through personal experience and is given without prejudice

 

 

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Then, your pretty much playing the waiting game. They are allowed to send the agreement months later if they so wish, but they can't try to enforce the debt until they comply. Not much you can do now until you get your SAR results. I sent a SAR to BC a bit before you and have got half the results back, I know there is more to come (did the same for my relative earlier this year.

Send a reminder to BC that they haven't complied

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Hi all planning to send this on Friday (giving post office a chance to catch up) if there is nothing back from BC.

 

Is there anything more that I should be asking for and should I give them more time other than the 7 days?

 

SAR Follow up to BC 2.doc

 

Also just wondering are DCA's allowed to do an unrecorded inquiry on your credit file.

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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I agree with Coledog, CRA's are buggers and hide behind some fuzzy laws which they interpret for themselves. The DCA probably has done an account management search on you (I Have two from HFO) on mine. They are probably looking to see what credit you have available to you or if you have applied for some.

 

You question CRA's you get answers like "This is something that the credit industry has agreed upon between them and hasn't been questioned by the information officer". Well maybe so , but this isn't common law and doesn't mean it isn't questionable, but they never answer me when I reply with that. Sorry, gone onto an anti CRA rant now, god i hate them.

I think we should all join forces to challenge them, they think and act like they are a government agency. European Court etc. Im still going on aren't I

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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And you were right CD, I noticed some people from money saving expert with the same user name on here. Their threads on MSE didn't amount to much but got a lot more interest on here

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Yes - there are 2 at least, one of them has said that he did receive some advice from another site before coming to CAG but must have seen sense - glad to see that there is a slightly doctored poster name now giving advice, may now register myself as cooldog. Dread to think who Chipshop is!! Get a Kebab mate!

Edited by coledog

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I think my name change was due more to it being the day after new years eve. Didn't really want to get involved over there , but some of the advice was making me shout at my screen. Going to try and get as many of them to repost over here without alerting the MSE site team

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Hi all postman has just been with this from BC.

 

http://i423.photobucket.com/albums/pp316/dogtrainer05/hfo0017-1.jpg

 

http://i423.photobucket.com/albums/pp316/dogtrainer05/hfo0016.jpg

 

she says that mercers are collecting it.

 

O what a tangled web they are weaving .

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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I still think this is a Barclaycard cock-up, but it proves their records cannot possibly show the account has even been sold, so there is total doubt about who owns it. If I were a judge, I would believe Barclaycard over HFO!

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I still think this is a Barclaycard cock-up, but it proves their records cannot possibly show the account has even been sold, so there is total doubt about who owns it..

 

but the print out I have got shows it was sold

 

Donkey is there anything I should do now apart from sitting and waiting

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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Hi all was think of sending this to BC what do you think.

The highlighted part I copied from a SAR letter written by Man42 I found when looking through the library.

SAR Follow up to BC 2b.doc

Edited by dogtrainer
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:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

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