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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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      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.

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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.
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      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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if we assume the rabate figure is correct it stll doesnt include any of the stat 8% interest (which they say the will re-calculate upon appceptance) as i wont be appcepting the payment off my mortgage can ywou work of the figure date and add interest that way ??

i will try to obtain the settlement figure but will have to wait till wednesday next week now

 

what do you think to the letter ?? too long maybe shorter and to the point or ok as it stands ?

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Your letter should just ask them how the figure of £1,700 is calculated (you want to see the calculations).

 

In addition yur letter should ask them what about the contractual interest you have paid on the PPI sum included in your mortgage AND what about the 8% on those payments as well.

 

The amount of £3,400 odd they have calculated up to the date the loan was settled is bang on.

 

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can you give a short letter i can adress to them for me please ?

then when i have spoken to them on wednesday if they wont give me the info over the fone i will fire the letter off

like i said putting things into writing as never been my strong point

thanks kev

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dear sir / guys name at bank who uphelp my complaint

i am writing in response to PPIlink3.gif claim number ******** which you upheld on **th may 2012

After a lenghty discussion with foslink3.gif i have decided that your offer of redress is unacceptable the figures upto loan settlement dates are fine and put me back in the position i would have been had you not mis sold me ppi .

I am advised that a redress into a joint mortgagelink3.gif account is totally unacceptable and that all ppi should be paid direct to me as set out by fos

in addition i would like for you to explain to me how upon settlement the figure of £1776.36 as been reached.

also added to that the contractual interest inccurred in my mortgage as a result . plus the standard 8% interest to be added

please be advised that if i dont recieve a reply within 14 days i will pass this onto fos with immediate effect

regards kevin ......

 

 

hows that sound ???

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Letter starts Dear Sirs

 

First paragraph says that they haven't given you enough information as to whether you can accept their offer or not. Tell them that you are willing to accept an offer when they provide the following further information.

 

1 The settlement statement for the first loan showing the settlement balance on the loan and details of any rebate of PPI given at that time.

 

2 Their calculations as to how the £1700 mortgage reduction figure is arrived at

 

3 Their proposals for refunding the extra interest charged on the mortgage account as a result of PPI a ppi balance being included in it from the start.

 

 

You then finish by saying that if they provide all of that data the likelihood is that agreement can be reached but if they fail to supply you with adequate calculations and evidence you will refer the matter to fos who will undoubtedly require them to provide it and it may cost the £850 for a case fee as well. They can avoid this by providing you with the information now.

 

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thats sweet and i think i can draw up a letter to suit.

only thing that you dont mention and i think should be mentioned is that i want the money and they have no right to pay it into the mortgage account

also no mention of any times scales i should give them to reply

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................................................................ name and address

..................... date letter sent

................... your ref ppi claim number

 

Dear sirs

 

I feel you haven't given me enough information as to whether i can accept your offer .I am willing to accept an offer when you provide the following further information.

 

1 The settlement statement for the first loan showing the settlement balance on the loan and details of any rebate of PPIlink3.gif given at that time

 

2 Your calculations as to how the £1776.36 mortgagelink3.gif reduction figure is arrived at

 

 

3 your proposals for refunding the extra interestlink3.gif charged on the mortgagelink3.gif account as a result of PPI a ppi balance being included in it from the start.

 

4 Please be reminded that all payments made by me must be refunded to me including the relevant interest

 

 

If you provide all of that data the likelihood is that agreement can be reached but if you fail to supply me with adequate calculations and evidence i will refer the matter to foslink3.gif who will undoubtedly require you to provide it which may also incurr £850 for a case fee as well as time related extra interest, You can avoid this by providing me with the information now.

 

regards ... signature

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................................................................ name and address

..................... date letter sent

................... your ref ppi claim number

 

Dear sirs

 

I refer to our ongoing correspondence in respect of this upheld PPI claim.

 

I am please to agree the calculations you have provided in respect of the loan account up to the the date of its closure in the amount of £3,4xx.xx

 

However, I feel you haven't given me enough information to enable full agreement because you have not provided detail of the calculations in respect of the mortgage. I would be willing to accept an offer when you provide the following further information which I can verify and thus confirm your figures to be correct.

 

1 The settlement statement for the first loan showing the settlement balance on the loan and details of any rebate of PPIlink3.gif given at that time

 

2 Your calculations as to how the £1776.36 mortgagelink3.gif reduction figure is arrived at

 

 

3 your proposals for refunding the extra interestlink3.gif charged on the mortgagelink3.gif account as a result of PPI a ppi balance being included in it from the start.

 

4 Please be reminded that all payments made by me must be refunded to me including the relevant interest

 

 

If you provide all of that data the likelihood is that agreement can be reached but if you fail to supply me with adequate calculations and evidence i will refer the matter to foslink3.gif who will undoubtedly require you to provide it which may also incurr £850 for a case fee as well as time related extra interest, You can avoid this by providing me with the information now.

 

Yours faithfully... signature

 

See my amendments in blue and when these are done you're good to go

 

ims

 

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last paragraph

 

If you provide all of that data within 14 days of recieving my letter the likelihood is that agreement can be reached but if you fail to supply me with adequate calculations and evidence i will refer the matter to foslink3.gif who will undoubtedly require you to provide it which may also incurr £850 for a case fee as well as time related extra interest, You can avoid this by providing me with the information now.

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all done and ready to roll on thursday

 

07.06.2012

Your reference PPIM/********

Dear Sirs

I refer to our ongoing correspondence in respect of this upheld PPI claim

I am pleased to agree the calculations you have provided in respect of the loan account up to the date of its closure in the amount of £3,453.86

However, I feel you have not given me enough information to enable full agreement because you have not provided detail of the calculations in respect of the mortgage .I would be willing to accept an offer when you provide the following further information which I can verify and thus confirm your figures to be correct.

1 The settlement statement for the first loan showing the settlement balance on the loan and details of any rebate of PPI given at that time

2 Your calculations as to how the £1776.36 mortgage reduction figure is arrived at.

3 Your proposals for refunding the extra interest charged on the mortgage account as a result of PPI a ppi balance being included in it from the start.

4 Please be reminded that all payments made by me must be refunded to me including the relevant interest.

If you provide all of that data within 14 days of receipt of this letter the likelihood is that agreement can be reached but if you fail to supply me with adequate calculations and evidence I will refer the matter to FOS who will undoubtedly require you to provide it which may also incur £850.00 for a case fee as well as time related extra interest, You can avoid this action by providing me with the information now

Yours faithfully

kev *******

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