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    • He is still trading.   I won't get anything out of it, no.  But is that the point?  Not charging it means the Govt misses out on important revenue 
    • for whatever reason, if you did not get the original PCN on the car/by hand nor in the post before things escalated you need to appeal using the correct forms, not a soft appeal to the issuing council Which forms to use for which offence pe2/3 & te7/9 - Local Authority Parking and Traffic Offences - Consumer Action Group  
    • as this situation has now come up again for you, how confident are you that if you get on the straight and narrow with having a respite of 60days (Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk)... would you then be able to resume ok? if not quite honestly, the very best thing you can do is to get ALL your debts defaulted by the issuance of and the registering of a Default Notice from each creditor. this is done by stopping ALL PAYMENTS, it wont hurt you short term, esp as all the debts are still with the Original Creditors. this of course will kill credit for 6yrs, but, will cause the debts to vanish from your file (paid or not, paying or not) on the DN's 6th B'day, but of course that wont mean the debts are not still owed, legally, just your file will be clear of them all. if you read a good 10-20 of the stories in this very same forum you found to start yours, you'll soon get the idea behind the advice given. as for things like IVA/BK etc NEVER EVER do those, that secures unsecured debt. just contact one of the free DMP providers and get breathing space implemented, that gives you a 60 day buffer to firm up your future actions. but DO NOT enter into a DMP, do one yourself. they can be a bit pushy, but simply insist you just want breathing space invoked, i would only be giving them enough info to achieve BS too, don't give them anything you don't need too, they are funded by the banks and debt collectors and can sometimes be over intrusive and nosy wanting info that is better not revealed. dx    
    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
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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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HFO Again!


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Which ever orifice you can think of!

 

Your letter may not have filtered through the bush telegraph to the threat monkeys in India yet. Pity you could not record that call but report to OFT

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A charging order? Without getting a CCJ first? My, they are clever!

 

Sorry, no they’re not – they’re idiots. Great big stupid dumb subnormal uneducated boorish pig-ignorant idiots. With a capital I. For Idiot. If you get my drift.

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Sometimes I quite like it when they call to hear the desperation in their voice though I try to be good now and not talk to them. Have tried to explain to them before that a charging order needs to go through the courts but yes they are a bit thick. Its the same person that calls and she is a bit deranged.

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Just an update on the lovely HFO - sent the statute barred letter which according to royal mail they received today. They rang about an hour ago saying they were ringing about a legal matter and they were putting a charging order on my property (didn't say they were ringing from HFO or any security questions just said hello). I replied ok and hung up. What is the deal with them ringing after receiving a statute barred letter? Are they stupid enough to continue court action after a statue barred letter?

They certainly seem stupid enough to have uttered a threat down the telephone without first ascertaining that they'd not dialled the wrong number.

 

Has there been cases of HFO doing that?

I would not be at all amazed if they had, perhaps in the hope of getting a default judgement if the alleged debtor did not bother to defend the case.

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A charging order? Without getting a CCJ first? My, they are clever!

 

Sorry, no they’re not – they’re idiots. Great big stupid dumb subnormal uneducated boorish pig-ignorant idiots. With a capital I. For Idiot. If you get my drift.

Perhaps they are another DCA who believe that their solicitors can "issue" a CCJ?

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The nearest pubs to their supposed offices in Wimbledon are too 'up market' to do a pub quiz.... although they might be found bragging in the Prince of Wales or the Walkabout! I am going to Wimbledon next week so might see if anyone is actually in their offices (on the pretext of jobhunting!).

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The name board in Highland House claims they are on the 4th floor... but their address is 6th floor... maybe it’s a ruse to throw Caggers of the ambush trail? Think they may have moved to 4th floor from the smaller 6th to accommodate all the paperwork they’re busy making up.

 

(Yes, TR, the dreaded Donkey has been in your building...)

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The nearest pubs to their supposed offices in Wimbledon are too 'up market' to do a pub quiz.... although they might be found bragging in the Prince of Wales or the Walkabout! I am going to Wimbledon next week so might see if anyone is actually in their offices (on the pretext of jobhunting!).

After first visiting a Spy Shop? :lol:

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They certainly seem stupid enough to have uttered a threat down the telephone without first ascertaining that they'd not dialled the wrong number.

 

 

I would not be at all amazed if they had, perhaps in the hope of getting a default judgement if the alleged debtor did not bother to defend the case.

 

Their threat monkey in India though he would 'beat' my True Call the other day and used a different number, and he said on his 'whisper' straight in with "HFO calling from their pre-litigation department' no is this, are you, nothing, he of course got zapped.

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  • 2 weeks later...

HFO called again today claiming they are putting a charge on the property blah blah. It is over two weeks since they signed for the statute barred letter (the printed name for the signature was Roxborough) obviously I will add it to my OFT complaint but should I write to HFO to complain they are still making legal threats or is it just a waste of a stamp? Sorry I don't know how to record calls.

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Was doing a bit of research into Validor and saw an advert for a job in their Indian call centre - the qualities they were looking for made me giggle see below

 

Desired Profile

Excellent conversation skills / Desire to learn new skills / Aligning and developing team culture and spirit / Ability to have more than one approach to a problem / Effective time management and discipline / Smart and witty thinking / Good academic track record / Proven track record of discipline and commitment

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Learning to lie through your teeth on the phone and mis-interpret the British legal system. No, I am being unfair, I have always believed that these poor sods are told what to say and told that the people they are phoning are bordering on the criminal and have no rights. There was an excellent link on CAG once to a blog by one of their ex-employees in excellent english with some choice anglo-saxon phrases about the management, which had to be removed as it was so offensive

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If you are going to complain you need to complain to your LOCAL Trading Standards - you should do this via Consumer Direct.

 

There is no point complaining directly to the OFT, they are not set up to get involved on behalf on individuals - thats what TS are meant to do - if you complain via Consumer Direct the OFT will have access to the data as they control Consumer Direct..

 

You should make it clear why you think they are breaking the law. Having evidence helps too.

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