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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.
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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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HMRC sending an officer


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I am not sure whether this is right part of the forum in which to post.

I am so stressed at the moment.

 

I started making money from my hobby a few years ago. I have an unpaid tax bill of £1996 which last year I set up an agreement to pay back. Unfortunately after some problems with cashflow and a family bereavement I didn't keep up with it (I realise this was my fault)

 

I received a letter this morning stating that they are cancelling the arrangement. I called to try and reinstate the arrangement and was told that unless I can pay them £1800 TODAY they will continue their action and send officers round to seize my goods or declare me bankrupt within the week.

 

The only thing I own is my car which is (just about) worth 2k but I need my car obviously with 2 small children. Everything else was purchased by my husband. I am absolutely terrified. Please help me

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are they not saying they MAY make you bankrupt i doubt it at this point they would need to go to court for that to happen

 

even for tax arrears bailiffs have no right of entry keep property secure and don't let them in they can not force entry

 

with regards to car that would be seen a s a easy target for bailiffs to bump up his fees so keep it hidden away

 

sounds like tax office being unreasonable i am sure if you could afford to pay £1800 today you would have no outstanding tax but the read from a script

 

it may pay to put it in writing to tax office of your offer to repay enclosing payment you will get nowhere on phone and no proof

 

welcome to GAG:-D

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Can I ask how the bill for £1996 was arrived at?

 

Presumably HMRC discovered what you were doing....then what? Did you get an accountant to do some proper accounts or did the taxman just say heres the bill?

 

I ask because Im an accountant and so many times I see cases like this where HMRC conveniently omit to tell the taxpayer what expenses they are entitled to claim....something that any accountant would spot.

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Thank you both so much for replying.

 

The figure was an outstanding SA tax plus a late return penalty from 2009 I didn't actually realise I had. I did use an accountant and he claimed a lot of expenses etc so I don't refute that I do owe it. I just don't have money at the moment. I did explain that my oldest son is off to secondary school in september and although I don't want him to be in the house alone for a couple of hours after school it will be the earliest I can go out to work to pay them back. She said that wasn't good enough and couldn't I borrow the money.. nearly 2k?! erm no not really!!

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Are you definitely dealing with HMRC or with one of their band of cockroaches (sorry approved debt collecting agencies).

 

A lot of debt collection has been farmed out to the same firms that collect credit card debts etc, and from my experience they are economical with the truth and have no ethics whatsoever.

 

Telling you to borrow the money, and that they can bankrupt you within a week doesnt sound like an HMRC office - no one likes taxmen but they do tend to follow the rules.

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Like an idiot, when the person at hmrc I spoke with asked what my car reg was I gave it to her. I can't really hide the car :( No garage etc

 

that does not meany they have a levy on it if there is no where to hide it you can always transfer ownership of it to a parent/family member

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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that does not meany they have a levy on it if there is no where to hide it you can always transfer ownership of it to a parent/family member

Can I do this? Would it work if I transferred the ownership to my husband? (he did actually buy it, but its in my name)

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Can I do this? Would it work if I transferred the ownership to my husband? (he did actually buy it, but its in my name)

 

if the tax debt is yours then no reason why not

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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When I pointed out to the woman on the phone that it was MY debt she said that it would be viewed as a joint debt because we have a joint mortgage?! I thought it was a bit unfair but we have only been married for 4 weeks (together 10 years mind you) and I haven't really looked into how things differ once you get married.

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HMRC expect money to be kept aside to pay tax bills.

 

However the visitor will not be a bailiff and has no power of entry under any circumstances. You will be expected to agree a repayment plan to deal with the matter quickly, but you don't have to let them in to do this.

 

If your repayment plan is not accepted then they could obtain a CCJ, which seems more likely for this amount. They could serve a Statutory Demand prior to petitioning for bankruptcy, but that seems a bit extreme given the fees they'd have to pay with no guarantee of recouping them.

 

If they get a CCJ then the court decides how quickly you must repay, although a record is kept for six years. Obviously you will need to ensure this year's tax bill is also funded, to avoid trouble next year.

 

Bailiffs acting for HMRC do have the power to force entry to your home once a CCJ and a Warrant of Execution have been granted, but you're a long way off that horror and it really is a last resort.

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Thank you very much for your reply Marmaris. You too, once again I hate bailiffs. I really do appreciate the advice x

 

I think I will sit and work out exactly what I have coming in and going out and then I will pen a letter as you suggested and send it to them recorded. When they discuss a repayment plan, have you any idea of the timescales they would expect the debt to be repayed over? I want to get rid of the debt asap but obviously cannot promise more than I can afford, which is not a lot at the moment!!

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Remember that unpaid taxes are priority debts, so this comes before any other debts but not before genuine essentials like rent/mortgage interest, food and the like. They'll probably not entertain anything stretching beyond the end of the tax year, and they won't fail to remind you of your duties regarding taxes.

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From experience :

 

Do not call them. Do not speak to them or let them in. Change your vehicle ownership details asap. Setup an online banking payment and pay them little and often, that way each time they send you a statement you can write back saying this is not right, I dont owe that much, where did you get that figure ! :-)

 

HMRC will pass it to their debt collection firm, name escapes me, and you write back to them saying who are you, i dont owe that figure to HMRC, prove it! They write back saying its on hold whilst you contact HMRC, you ignore letter and carry on paying little and often - HMRC happy to see payments and move on to someone else.

 

Do not worry and do not lose any sleep over it, they are not worth it!

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To protect against Seizures, just get in the habit of parking your car a couple of streets away, and do a statutory declaration putting all goods in the house, except stuff that is clearly for your "work/hobby" in your hubby's name.

 

The Taxman has extraordinary powers, so its best to get protected in advance - think of it as debt contraception!

[sIGPIC][/sIGPIC]

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