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    • as you mention the bpa sounds like its a scummy private car park lot blue badges mean nothing on private land anyway.............. so a failure to display something that is meaningless on private land anyway is a money grabbing scam moved to the private parking forum dx dx
    • who is it from  a council or a private parking company?
    • As per the heading, received a parking charge for failure to display a blue badge in a disabled bay on a retail park.  I am a blue badge holder, disabled/wheelchair user with a Motability vehicle. I received the charge as 'notice to keeper' I was not the driver. I don't have a valid driving license so use a carer. The notice arrived a week after the alleged incident. It states that as the 'driver' failed to pay the charge in full  hence, it is now the keepers responsibility ( the notice was dated 2 days after the alleged infringement and as no notice to driver was on the vehicle, I don't know how they expect the driver to be able to either pay or dispute the charge if they are not aware of it) Anyway, really looking for help how to reply. I cannot remember if the badge was correctly displayed or not. Photos taken of car miss a bit where I store my badge if not displayed so it would be possible to see a badge even if not 'correctly displayed" . It was a bit of a sh**ty day weather wise, gusty and raining  (as seen on the photos which reminded me of the actual day) so it is possible that badge blew to the floor as the driver was helping me out of the car into wheelchair. There is no windscreen photo showing that a PCN to "Driver" was stuck on the window either. The car park is free. There are no Parking Signs at all near the disabled bays that one could read to adhere to any terms and conditions. The whole row of disabled bays - of which are there many only state badge holders ( does not stipulate Blue Badge Holders) The notice states that the parking company is a member of the BPA and Operating in accordance with the British Parking Association's Code of Practice. The BPA, section 19.1 State that at least one parking sign should be near the disabled bays, in a position that can be easily  read by by a disabled person without leaving their car in order to decide to be bound by such terms. We returned to look for signage on the retail park and could not find one sign that was near the bays. The only sign we could find was high up on a pole but not near the bays. Someone had to get out of the car and stand on tip toes to be able to take a photo of a sign. I would be grateful if someone could help or point me in the right direction. It is now  15 days since the alleged incident and 7 days since I received the notice.
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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 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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Hi,

 

Mods feel free to merge this with my other thread if we feel its best http://www.consumeractiongroup.co.uk/forum/showthread.php?303929-HFO-and-CRA&p=3393024#post3393024 I felt I should start another as something really strange happened today!

 

Today I got home and I see this lovely letter from our friends at SW19. GREAT They must be replying to a letter of complaint I wrote to them about. So I open it and its REMINDER - NOTICE OF ASSIGNMENT.

 

So before I went any further I thought they must be changing tact! I go on to read and says this:

 

Your original lender:

Account number:

HFO Case number:

Amount Owing £3893.99

Current Interest Rate: 12%

 

As you have already been informed, your account, including all the legal rights and obligations associated with it, has been passed sold by BARCLAYCARD to HFO Capital Limited. Your account is currently being managed by HFO Services Limited.

 

The current outstanding balance is £3983.99 ETC ETC

 

Telling me I must reply in 7 days etc..

 

So I look at all my other docs and its a different account number so I am confused... I look at my equifax record, and its not on there but is from my archives and under a different name again and under attributable data. Default date of september 2005 so obviously that has now dropped off!

 

So what do I do here now should I start again with a prove it letter and start another round of postal tennis with them?

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Has anything happened with the other one? I know you have complained to OFT etc. but I am thinking very serious complaint to Barclaycard, police, FOS - anyone. Start with Barclaycard Directors office DIRECTORS OFFICE TEL: 0844 0903111, ask for their advice on how to progress this as you have never had or used a Barclaycard. AND make sure you report this one to OFT

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I think that it is Barclaycard that you need to be pressing. HFO have just bought a couple of lemons! BC can ascertain if you were ever a customer or not and it is their responsibility to sort this out. Ask to speak to Paul Hart if you can. tell them you are quite happy to go to FOS if they cannot sort this. You may need an official complaint letter to Barclaycard to kick this off but try and speak to them first

Please support CAG and they will support you.

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I havent heard anything regarding the complaint.

 

When I went to the OFT and and did my WS we spoke briefly about my reply to the other one. Technically my complaint isnt with Barclaycard its is with HFO as they are the ones hassling me. I think the most I can do is send Barclaycard a letter making them aware a company that claims to represent/bought their debt is doing this to me. I cant complain to Barclaycard coz I am not there customer.

 

I have emailed OFT today who I spoke to and see if they can advise or pass to someone who could help me.

 

I feel I need to do something. I need to know what their complaints procedure is and in line with FSA/FOS. I dont want to go running to FOS when I havent given them any chance to resolve this...

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In terms of this latest letter I feel a need to respond to HFO.

 

I may respond in lines of...

 

Further to your letter dated ....

 

As you may already beware we have a dispute and a complaint regarding debt xxxx

 

I have requested your complaints procedure.

 

In the meantime I do not acknowledge this debt you claim I owe.

 

I will be writing Barclaycard for more information about this account.

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If you are being chased for Barclaycard debts and you were never a BC customer it is BC who should be investigating this. If they have sold debts that are not yours to HFO, they should be recalling them until this is sorted. If you have been given BC account numbers - BC should be looking into these and so should HFO, if they were an ethical company(not sure on that one) as they are involved, instead of trying to extort money out of you

Please support CAG and they will support you.

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In terms of this latest letter I feel a need to respond to HFO.

 

I may respond in lines of...

 

Further to your letter dated ....

 

As you may already beware we have a dispute and a complaint regarding debt xxxx

 

I have requested your complaints procedure.

 

In the meantime I do not acknowledge this debt you claim I owe.

 

I will be writing Barclaycard for more information about this account.

 

Fine but ring BC and kick off a complaint

Please support CAG and they will support you.

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Is the Directors office at Barclaycard the same address as the legal and compliance department?

 

Because I have sent 4 letters now to the Legal department and not received one reply?

 

I would certainly ring the Director's office and tell them this, ask for a contact in legal

Please support CAG and they will support you.

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I know you have never had a Barclaycard, but some of the accounts HFO or Roxburghe purchased were for 2 cards, Visa and Mastercard, this may be the reason for the different number.The Directors office should be contacted as they can deal with this, they have before.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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I have written a letter to both HFO and Barclaycard also sent copied to OFT.

 

HFO letter basically says that I do not owe this debt and have forwarded their letter onto Barclaycard for investigation.

 

Barclaycard - a run down whats happened. With copies of letters asking them to investigate this.

 

Sent copies to OFT.

 

Now its just a waiting game I guess!

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