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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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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
        • Like

Starting a Lloyds TSB - PPI Claim ***Claim Successful***


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Hi Hass

 

First, what are your grounds for the potential reclaim of ppi?

 

Next, I take it you don't have statements for the credit cards. If you do, have them all, you will not need to SAR them because you will have ll the info on the statements. Also with the cedit cards you might as well go for a claim for the unlawful charges i.e. late fees/overlimit fees.

 

With regard to the loan you will need to SAR to get a copy of the agreement unless you know exactly what the ppi premium was and what the monthly payment for the ppi was.

 

If you can answer these questions we can take it from there.

 

Regards

 

ims

 

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So are you saying that the ppi was a condition of the loan? i.e. that you wouldn't get the loan if you didn't have the ppi.

 

You need to have valid grounds for a ppi reclaim. "Not sure" or "Can't remember exactly" won't cut it. You need to have a solid arguement that you will stick to.

 

On the other matters, yes get those SARs off and get reclaiming.

 

ims

 

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  • 2 months later...

Hi Hass

 

Just thinking outside the box here and I know it is a quite a few years ago but I'm just going to try a Derren Brown approach.

 

Without looking at the screenshot you describe in an earlier post, do you remember the amount you wanted to borrow when you approached them? Please answer without looking at that screenshot.

 

Regards

 

ims

 

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Hi

 

Bu**er....I was hoping that the screenshot of the advance was going to be more than the figure you approached them for, the difference would have been the ppi premium.

 

What I mean is that you approach them for £7,500. They advance, say £8,000 and then immediatley take out £500. So if the screenshot showed £8,000 and you wanted £7,500, the ppi premium would have been £500.

 

Oh well.

 

Personally, I think they have more information than they have given. With the above I was just trying an easier route to get at a figure which you could made a preliminary claim with and they would have need to disprove it.

 

I'll have a think and post again shortly.

 

Sorry if I confused you....don't worry.

 

Regards

 

ims

Edited by ims21

 

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Hi

 

Just seen post's post which is of course correct...I was looking to find some similar threads which may assist you.

 

So time to write back and tell them that you are aware of the regs and that they must supply the information you have requested which includes a full transaction history on all of these accounts.

 

You are free to report them to the ICO or take court action to force compliance.

 

Regards

 

ims

 

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Hi

 

What I would do is write back giving them one final chance to comply fully within 7 days. In that letter you can mention that you are fully aware that under money laundering regs they are required to keep records for a period of six years following closure of an account. Telle them that they now have seven days as you are preparing to file a complaint with the ICO and also issue in court to force compliance.

 

Only threaten them with court if you are actually prepared to go through with it.

 

Regards

 

ims

 

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Hi ims, you are right is better to hold off until is necessary thank again.

 

Should I use template 3 and add the extra para to it

 

Yep...sounds OK to me.

 

You might also like to read this thread if you have not already seen it

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**&highlight

 

Regards

 

ims

Edited by ims21
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  • 3 weeks later...

Hi

 

Lloyds seem to be getting more awkward by the day judging by threads I've been reading lately.

 

A good first point to take this further would be to have a good read of the following thread and the other linked threads within. It will be a bit of a read but will be well worth it I think

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**&highlight

 

Regards

 

ims

 

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  • 1 month later...
  • 2 weeks later...

Or you can use the dx100uk method as follows..

 

Scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

hit the reply button

 

ims

 

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