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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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CCA Trouble Please help me.


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Hi There thank you,

I email them but it bounce back saying Undeliverable redirects to cohen cramer.

Anyway im going to post it.

 

Thanks

Hi Debtbutt

 

Make no mistake, Howard Cohen & Co will issue a summons against you, email the below to Howard Cohen & Co today, they must reply within 14 days.

 

 

Dear Sir or Madam

 

I refer you to your letter dated 7th July 2011, the contents of which are noted.

 

Without proof, you allege account number xxxxxxxx was assigned to your Client Absolute, should you pursue legal action against myself you will be required to provide evidence beyond doubt the alleged assignment was lawfully executed pursuant to Section 136 of the Law of Property Act 1925.

 

I remind you, for the assignment to be recognised as Absolute and lawfully executed, evidence must be provided first to both myself and the court, the Original Creditor sent me (the debtor) notice the account was sold absolute to your client, prior to your initial contact. The document/letter must contain the date, the date of assignment, the amount owing as at that day, and be signed under the Original Creditors hand.

 

Without this proof, any assignment you allege to hold will be deemed merely Equitable, as such and therefore until such time, you have no standing in the court or a right of action.

 

I further remind you, having stated the CPR pre-action protocols, you are indeed, obliged to abide by them.

 

I require the name and title of the person when sending correspondance to myself, as the use of the electronic signiture "Howard Cohen & Co" is unacceptable, Howard Cohen & Co, PO Box.... is a trading title of Cramer Cohen & Solicitors.

 

I look forward to your reply, should you require longer than 14 days to respond I expect notice to that effect.

 

Yours faithfully.

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Hi Debtbutt

 

I would post it recorded delivery, I would also re email, I'll check for the correct email address and post it up, Howard Cohen issue summons and use them as a form of threat, having stated you require proof the assignment was executed properly if Howard Cohen & Co were to issue a summons after receipt of your letter you will have grounds for abuse of process against them, its well worth checking the pre action CPR protocols at the site they have stated. Many people argue if the assignment was lawful after being issued with a summons, this way you meet them head on. I'll check tomorrow morning.

 

Kind regards

 

C

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That letter Howard Clowns & co is very very misleading.

 

They CANNOT instruct bailiffs or obtain a charging order on your property or an AoE order, UNLESS you fail to comply with the CCJ, and that is IF they are ever awarded one against you, also, it merely states what they would like to do "IF" they take legal action..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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