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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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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.

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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
        • Like

Are speed credit anything to do with mini credit


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I was just wondering as i saw the term microlend

not as far as I can see

 

Speed credit are a trading name of

 

MCO Capital Ltd.

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are mini credit too?

 

Not as far as I can tell

Minicredit are a trading name of Microcredit ltd.

They also have another trading name: Minicashloans.Co.Uk

 

nothing to do with speedcredit

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Speed credit are owned by Toothfairy finance, who I've found to be the worst of a bad bunch.

 

Hi

Can you post up where you got this info from. No need for links as I can do that.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?306836-toothfairy-payday-loan-unfair-treatment-and-threats/page5

 

Please see post #96 (20 Oct) and not the first I've seen TFF referenced to Speed Credit

just one of many wild hunches then?

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Hmm! interesting as on the OFT website they have censured Tooth Fairy for using too many names and upon checking the OFT CC Licence Speed Credit are not among the trading names used by the holding company CIM Technology

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Thats interesting then

Ahhh, just remembered where else I'm sure I've seen it!!!

 

Blog stated on Toothfairy by 'The Dentist' called Tackling the Toothfairy

Don't want to post anything up due to some of the nature given on it

Edited by asmilecostsnothing
add name site

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

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“Nothing in this world can take the place of persistence.”

 

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Toothfairy are Speed-E-Credit, not Speedcredit...

 

If you have a link to the website of Speed-E-Credit can you PM it to me. I can't seem to find it on google

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The website doesn't exist, this is one area the OFT are looking at, all these registered PDL companies claiming they are not trading and suddenly taking 'customers' to court.

 

A payday lender should only have one trading name per licence - that is one of the OFT's objectives, a specific licence covering payday lending.

 

You would be surprised how many PDL companies are registered simply as 'other business' on Companies House website!

 

I suspect there is a bit of the old 'phoenix' companies going on, get hold of a company name that hasn't traded for a couple of years, change it and then strip the assets bare and put it into administration/liquidation or close it down completely.

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ToothFairy (who have a Companies House registration in their own name as opposed to CIM Tech) have got about 20 trading names already and approx another 30 pending

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Which should be illegal, they should only have one company in the PDL field, otherwise it is a travesty, this does need to be communicated to MP Stella Creasy as quickly as possible, I am sure she can do something about this 'toothless' company bringing consumers into even more debt.

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