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    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received a Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 so I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.     Documents.pdf
    • Will the real criminals please stand   Biden 🤣GUILTY on all counts    Come September remember Americans don’t like tax dodgers 🤣
    • You of course ignore the fact that Farage actually helped raise £100,000 so that WW11 Veterans could actually attend the celebrations    Meanwhile oh to be in France 🤣  
    • Damn!  Wikipedia is out of date. Good idea though to see if one of the shops can give you the landowner's details.
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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.

      Please can you advise what I need to do today to get this done. 
       

      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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Insurance repair can I insist on replacement as camera only 10 days old?


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What to do???

 

My 10 day old Panasonic GF1 camera was got water damage due to a flood from the flat above, (something in tank broke) this was just an accident however, I had to claim on my own insurance (Allianz) for replacement. I had to send the camera of for them to inspect. They now say they can repair it but the agony I have is the it was purchased on the 15th Jan with a 3 year warranty, this will now be void due to the water damage, the repairers says they will fit original parts but then only guarantee their work for 30 days.

 

I sent it to them to confirm that this was a genuine claim I did not expect them to take it apart and repair it. I have read various reports of water damage being repaired to electrical items and then other faults occurring.

 

Am I worrying about nothing or is there a way I can request an exact replacement?

 

Looking forward to your thoughts.

 

Do I go ahead with authorising a repair as I was

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Hello there. Did you pay for the camera on a credit card? Some cards will [or maybe did] replace items that were damaged within a short time of being bought. It could be worth checking the Ts and Cs of the card or ringing the provider.

 

I can't answer the bit about your policy, sorry, but someone should know.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hi, Nice thought, Did use a Visa Debit card from HSBC. But not sure if they are they same thing?? Although I will contact the bank and ask??

 

It depends on the Ts and Cs of your card. If it were me, I would check them before ringing the bank, just so you're sure of the facts in advance. If you haven't kept the printed copy, it could be on their website.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Check with Panasonic customer service line as to whether the camera being repaired has affected the warranty.

 

I thought that the warranty conditions related to 'non qualified' people taking the camera apart and that there was scope within the warranty to allow repairs by 'qualified' people. As long as the company used Panasonic parts and you have full details of the repair, I can't believe Panasonic would disqualify a 3 year warranty.

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The fact you have a warranty is not the insurer's concern. They insure your contents, not your warranty.

Your agreement with them probably holds in the T&C's that they can choose to repair or replace. You can ask fo the cost of the repair, and get it done by a manufacturer certified repairer.

Strange for them to repair though, it's a potential nightmare to repair small electronics, hence insurers usually going for the replacement option.

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