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    • Did you send them a letter of rejection? You're still within 30 days and you should have done this. I emailed them with the details and advised them they need to refund the vehicle as it's within 30 days.They replied stating that they are not going to do anything. So I have had my response already. Ill address your other questions shortly.
    • We don't often advise appealing a PCN, it's true. It's too easy for people to out themselves as the driver and make things more complicated. We might suggest writing to a large supermarket chain or a hospital in your case, but rarely to the PPC. It isn't in their interests to allow appeals, they don't make any money then. HB
    • Can you tell us more about the car. Make, model, price paid, year blah blah blah. Please can you upload your claim form in PDF format. Was the castle with an MOT? What date was MOT? Who gave it the MOT? You have issued the claim – when did you issue it/when is the return date? How did you pay for the car? What other losses have you incurred – insurance, repairs, et cetera? You've been here since 2015 – and am curious to know why you didn't come here first before you started getting into formalities with them. You have a responsibility for the vehicle. However I would indicate to them that you are going to be charging him storage from the date that you first tried to return it to them and they refused. Did you send them a letter of rejection? You're still within 30 days and you should have done this. You say that you bought the car on 9 July. What they did you issue the claim? You should have implemented the pre-action protocol of giving them 14 days notice before you issued the claim. It appears that you haven't done this and this could pose a problem for you if the matter is raised in court. Why didn't you send them a letter of claim giving them 14 days? Please can you go to these questions carefully and address each one  
    • So, is frightened farage in westminster doing his utmost for his constituents ? or has he naffed off to suck up to the republicans in the US?   No prizes for guessing.   Nigel Farage defends flying to America to support Donald Trump as MPs debated King's Speech in Parliament CA.NEWS.YAHOO.COM The Reform UK leader was in Milwaukee, Wisconsin, where the Republican National Convention is being held   Someone check his UK expense claims
    • BTW do you think i need to include the Blue Badge or PIP letter or anything to do with housing in order to evidence my partner's disability or are the witness statements enough?  These can be easily added I just don't want a bunch of private health related documents in the public domain as you can imagine.
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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
      • 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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Speed Credit


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Hi - I took out a £100 loan with these and they sent me e-mails about the contract and repaying. On the repayment it wasnt made clear about paying back. Partially my fault. But they say to pay direct with on line banking. I paid £124 back 4 days before the due date and then my account was showing as still not been credited. I rang them today who sayd they havent received it as it wouldnt show until 6 days on their file. They also said the cost was £129, which I must have missed of something about a £5 finance charge. I have paid that today.

 

But now they say they have rolled over my loan and that I have £24 in charges in interest for the rollover. I explained taht I had tried to make payment on Friday and can prove it.

 

If I have paid £129 back will I be ok with them scrapping the £24 owed? I hopeso as I cant be bothered with arguments back and forth over £24. Anyone had any dealings with them?

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If you have proof that you have paid it and they didnt accept it or ignored it until it gained more charges then dont worry.

 

Did your payment for the full amount of the loan plus interest get accepted by their bank? If so, send them a letter saying that you have paid the amount in full, and you consider the debt closed and you demand that they confirm this in writing. Also state that any further communication in any form will be deemed as harassment and you will inform OFCOM, OFT and FOS in due course ( do it anyway).

 

IF they try to call your bluff and take you to court, simply put forward a defense saying you have full proof which can be notarized by your bank manager and legal representative as a full and true record. Doing this will force your PDL and their representatives to make an appearance in court to explain themselves. (Something which they don't want to do). However 99% of the time they will send you a letter just before the court date stating that they agree, simply because they though you wouldnt turn up or put forward a defense and they thought they would win by default.

 

In short, you have paid what you owed in good nature and time. Send the letter i suggested and if you get any communication from them again, apart from a letter stating that the account is now FULLY closed, tear it up and ignore it.

 

You've paid it and theyre trying the old trick of harassing you for money you don't owe.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes Speed Credit I too took out a loan with this so called company, I had to extend my loan (foolish me I know) so I paid £48 to them for this, job done you think No way they have sent me numerous threats via email and text of legal recovery, CCJ's, Additional charges and the best bit was that I had made no effort to contact them. They have a telephone number which nobody seems to answer their email addresses do not allow replies so I sent 3 messages via their own website yet I keep getting these threats. I have an emailed receipt thanking me for my payment and it also appears on my bank statement as being deducted. As I can see from comments here this company has no idea of fair trading and acting in a way that could be considered reasonable. I await them sending me a summons with interest, as on a previous thread I will be reporting my card as lost so they cannot take any payments from account as I have no faith whatsoever that they will acknowledge payment that my loan has been settled>

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Actually, if theres a CPA on your account, even though you cancelled the debit card, they can still take out money when they like. The only real ways to stop them is to cancel the CPA or change your bank account completely.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Continuous Payment Authority. When you give permission for someone to debit your account on a regular basis, this is usually set up automatically. However some banks, such as Halifax, are completely ignorant to the new FSA regulations which state that you can cancel this at any time, without informing the person you owe money too. Halifax and a few others still think you have to contact the company you owe money to first.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for that, not sure if that is whats been set up as on Speed credits website its not very clear as I'm sure anyone whose been on it is aware. They have my current card details so hopefully when a new one is issued that will be enough if not I will check with the bank. Just cannot believe that these companies are allowed to act in such a shoddy way. Spent 15mins on the phone being told that I am first in the queue but nobody answered all emails bounce back also.

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Best thing to do is go into a main branch of your bank and ask. Be warned though, that some PDL's get around the CPA by simply manually debiting the payment each month instead of it being done automatically.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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