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    • “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?
    • it's 85k of turnover (well, now £90k). However, you're digging yourself into another hole here. That ship has probably long since sailed. Is it worth pursuing this? You're not going to get anything back from it either way.
    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
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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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Repossession Agent Help please!


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Hi all,

 

Any help or advice would be so gratefully received.

 

Im in the process of trying to sort a payment agreement with Black Horse to clear my arrears on my HP car purchase.

 

Ive run into arrears and want to sort this out with Black Horse but they've passed the account to Peak Collections who refuse to accept a payment plan with me, they currently have my old address (I assume they've gone there are realised the car isnt there) Now they are telling me I need to meet with them within 24 hours to give them the vehicle and if I dont they'll report the car stolen to the Police - are they able to do this?

 

I know they cant take the car without my permission from my garage without a court order (which they dont have) but can they report it stolen to the police and if so can i then be arrested if Im found driving or with the car.

 

Ive paid less than a third so I realise if they find the car on a public street they can just repossess it without my permission but I actually want them to go to court so I can ask the judge to accept my payment plan, I can settle the arrears in 3 months and pay full monthly installments immedietly on top.

 

Any advice on getting them to go to court and advice on if they can report this as stolen would be massively appreciated. I feel sick with worry:-(

Thanks

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Hello there.

 

Do you know if you have been sent an arrears notice or a default notice? You could consider making an application for a Time Order; we've more information here:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=06_time_orders

 

Our hire-purchase fact sheet can be found here:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=16_hire_purchase_debt

 

Best wishes,

 

National Debtline.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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Great thank you so much for your help. Im going down to my local court tomorrow to apply for a time order. Should I inform the collections agency? I told the rep on the phone but he just laughed. Should I notify them in writing?

 

he laughed why because hes just a civilian he isnt a bailiff even though they think they are I dont know much about this but I know this hide your car!

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he laughed why because hes just a civilian he isnt a bailiff even though they think they are I dont know much about this but I know this hide your car!

 

To be honest he appears just to be a bully, he keeps demanding i surrender the car so he obviously doesn't know where it is. Im pretty sure the car is safe and that they couldn't get it anyway as its not on a public road and in mean time I've borrowed another vehicle but I can't do this forever so really need it sorted. Im going to apply for a time order as advised and hope for best with this!

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Don't worry about the repossession thugs .. with their bullying tactics, they can't do anything but try to scare you into surrendering the car, and unless they're court appointed bailiffs they can't come onto your property, and even then they would have to have a court order after you appearing in court. Just keep in hidden for the time being until you have something sorted with the Time Order.

 

I'm in a similar situation but mine is with a Lease Company and nearing the end of the lease next month. Unfortunately I got into difficulties last November, due to lack of work, and rang them to ask for help and a reduced payment for a 3 month period until work came in in February. They point blank refused and passed me over to their debt collection department, who refused my payments and terminated my contract and have sent repossession guys out twice, but have told them the vehicle is not going to be surrendered until they take to court so I can show the judge (I have a file full of letters) just how unscrupulous the company Network Leaseplan are.

 

They tried the threat of telling the police the vehicle was stolen, but this is a civil matter, the police are not interested unless a court order is served.

 

I phoned the police just to let them know of the threat, they made a note, but as I'm the registered keeper, as you will be, they assured me they would not react to anything of this type.

 

Good luck, keep us posted.

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