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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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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 
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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
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Quick Quid nightmare help required please!!


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Hi,

 

My partner and I are having a nightmare with Quick Quid and Swift Sterling at the moment, I have posted about Swift Sterling in another thread, the situation with Quick Quid is, we took out a loan with them before xmas we were having financial difficulties and knew we would be unable to make the payment so we contacted them and set up a pre default plan, it was to be paid in 3 installments we have paid the first but defaulted on the second this week. We still owe about £500.We are going to be unable to pay more than £10 a week at the moment and that would be a struggle as my partner has had his hours cut at work and we don`t have the money to pay these payday loans. I want to set up a new repayment plan for a lower amount but I know they are not going to accept payments for such a low amount and over a long period of time. Does anyone have any advice on how I should proceed please?? Should I just email them our offer of repayment and stick to my guns or let them pass it to a DCA and negotiate with them? This is all making me sick with worry.

 

Many thanks in advance.

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hi welcome please try not to worry too much it will be sorted ...qq will most probably not accept ur offer of ten pounds or less so it most probably will go to the dca but dont panic if it does then ur in a better position to negotiate ....email qq on ur due date telling them ur defaulting and again are requesting a pay plan then wait for a reply do not give them ur card details and if u have cancel ur card now as they have been known to raid bank accounts including mine and tell ur bank ur cards lost then cancel any direct debit now so they cant touch ur money ..they accept paypal payments so if u can just send them token payments in bits and bobs until it goes to a dca as id be very surprised theyl agree to a low sum from u .....please dont worry weve all been there and people on here will give u the best advice just dont talk to them on the phone and do not send any personal banking details ie expenditure to qq or dca .....good luck be firm keep all emails as reference :evil::madgrin::whoo:

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Thanks quackquack,

 

I decided to email them this afternoon, stating the situation and what we can pay them, as you mentioned I will be surprised also if they accept a low payment of £10 a week but it is worth a try and it really is all we can afford right now. I want to pay our debt but realise it is going to take a while. Do you happen to know how soon they pass on their accounts to a debt collection agency? I said in the email I only want to hear from them by email or live chat not by phone, but I doubt they will stick to this. Thanks for your kind words of support. I will keep the thread updated as and when I hear anything. Many thanks, thanks god for this site!!

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hi ur welcome sweeet heart ..what normally happens is aftr the due day u default they contact u to find out where the money is but i reccomend u email them on the second day telling them ur in severe finacial hardship and put ur offer in the email .they will then no doubt reject ur offer so u send another email stating exactly the same thing as u previously told them and if they ask u to phone them politly tell them u would prefer contact only by email and save all ur emails and ask them to take ur number off there computer but chances are they wont if u can send them a token payment tell them that and pay them by pay pal then if u keep refusing there offer of a payment plan then they normally send it to a dca BUT dont worry u wont get taken to court u can arrange a plan with them but nows the time to be firm and stick to ur guns on everything ok ....go to the top of this page and type in quick quid and i have info on my forum quackquack now go sit down have some tea and relax i was worse than u but i robbed peter to pay paul to get rid of them so if i can u can and get some sleep and try not to worry .there are lots of good people on here who can help u xxxxxxx:-):-D:jaw:

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Thanks quackquack,

I have sent them an email today if I do not hear anything back from them I will send another tomorrow. I have read through many of the quick quid posts and I know I am not the first one in this position and I will not be the last. Thats what we were doing before robbing peter to pay paul, but now enough is enough, and with my partner having his hours cut we just cannot do it anymore. I am keeping a record of all emails sent and I will only communicate with them in this way. Thanks again for all the help and support. :-)

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Just an update,

I have received an email back from Quick Quid rejecting the £10 a week payment, not suprised at all. The email said that a repayment plan was agreed and cannot be altered. I don`t know what to do know, I haven`t got Paypal and don`t want to set it up either, used it in the past on ebay and had nothing but hassle so closed my account with them and there is no way I am sending postal orders. I am thinking of getting one of the cashplus pre pay cards and maybe saving money on that each week then ring them once a month to make a payment. I don`t know what to think we can`t afford what they are asking and I know it is going to get passed onto a DCA. Has anyone ever managed to set up a decent repayment plan with them, as all the threads I have read seem to be over 4 months at most. Thanks.

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hi sorry but i knew they wouldnt accept a low payment but they do plans over six months in some cases but again i dont think at such a low rate so if u cant come to an agreement with them it will defo go to dca but stop worrying sunshine ul be able to offer what u can afford and get rid of them eventually .xxxxx:|

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