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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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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.

      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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Mercentile Recovery Solutions - QuickQuid


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Hi All,

 

Just had a very frustrating conversation with someone at MRS Ltd. Basically my partner took out a QQ loan back in July 2011, we ran into difficulty as I lost my job and subsequently informed them and started the DMP process for all our creditors. Anyway all but QQ replied and agreed to our offer of payment. We kept sending QQ letters/emails offering payment and was receiving no response, not even one to say they were coming after us. Eventually we stopped as they weren't bothering us. Fast forward to May 2012 and we finally received a letter from MoorGroup on behalf of QQ, we replied to them and they didn't reply. We sent one further email and still nothing, not even to chase. Fast forward to beginning of September, we received a letter from MRS Ltd explaining that they were about to start litigation. At this point they hadn't mentioned a creditor or the amount due, so we ignored them. A week later we received the same letter with a deadline on it, this time with creditor details and amount due. They are working on behalf of QQ. We sent an email detailing an I/E form with offer of payment. A week later (beginning of last week) they sent an email (they hadn't done this before we sent them one) giving us a new deadline. My wife replied asking if they received the previous email.......again nothing. On Monday this week another email giving us another new deadline.....again we replied and received no response. Today (which is not past the previous deadline) they emailed again saying 'We have taken the relevant steps to verify your current residential and employment status, and are aware of no legitimate reason as to why your account has not been paid' and they have threatened to sent a Field Collector round. Anyway at that point I started to get slightly angry and my wife informed them to call me. I decided to get there first as they were p***ing me off. After taking a while to confirm that I had authority on the account, I explained that we had sent a number of letters and emails explaining the situation and offering payment. All I got back was that the debt is 13 months old and they are going for a CCJ. I must've then hit a nerve because I repeated what I had said previously and got a different answer, this time a threat that they were going to make my wife bankrupt. At which point I again repeated myself, he then asked me if we'd made an offer of payment, I replied yes and gave him the amount. He then said 'see you in court' and put the phone down. No other words, just them 4.

 

Sorry for the rant but they have made me quite angry about this :mad2::mad2: Not sure what my next step is apart from waiting for the paper work. Should I expect any? Are they just hot air or have they ever taken someone to court?

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Are you still in your DMP? If yes, send off these stupid threatograms to your DMP. I know you now probably feel like making them whistle for their money.

 

"see you in court" is laughable considering the effort you put in trying to arrange a repayment plan with the original creditor and even them. The judge would laugh it out of court (IF they did go down that route), considering they've given you multiple deadlines, I see these idiots as nothing but toothless tigers.

 

Stay off the phone to them. They're obviously one of many DCAs who's staff have been trained at the Billy Bullchit school of customer excellence!

 

Referr them to your DMP, I take it you advised the DMP originally that QQ were playing hard to get? I should imagine you just dealt with a phone drone who was upset that he wouldn't be making his £1 commission from you for extorting a payment out of you. Third party DCAs actually usually are far more willing to accept your DMPs than original creditors (especially payday loan vultures)

 

Regards

 

BM

It never rains but it pours...

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Thank you for your prompt reply BM

 

The DMP was created by myself and my wife on the advice of CCCS. They decided that we couldn't pay any money, so we've made some drastic (well they were at the time) cuts to fit into the £1 per month category

 

I will keep all correspondence from them as I have with the other creditors and hope nothing comes of it.

 

Should I keep sending them emails offering payment or just ignore them?

 

Thanks again for your help

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The DCA cannot start litigation because they are not solicitors.

 

Can i ask if they actually own the debt, or are they just acting on behalf of a creditor?

 

Alsonever, EVER call them by phone unless you can record the call in full. They are well known for saying anything purely to get money from you any way they can.

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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In the first letter they sent they said 'We have previously written to you to inform you that we, Mecantile Recovery Solutions Ltd, have purchased the above debt and as such are now the legal owners and beneficiaries of the sum outstanding'. This was the first we'd heard of them at this point, so I'm assuming that they own the debt.

 

My anger got the better of me as I know I shouldn't be speaking with them, but just couldn't help it :(

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DOnt worry, its very unlikely they record the call, simply because they dont want anyone else to hear what they are really like.

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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Oh dear... I've done a Little bit of digging. Appears these are conveniently located in the same offices as our good friends Mucky Hall aka the Kilmarnock Cowboys.

 

As I thought, toothless tigers.

 

I would personally (once confirmed with the OC that MRS now own the debt) write to them with your offer. Tell them you're in a self managed DMP and all you can afford to pay them is £xx per month. Tell them your offer of payment is non negotiable. Make sure you know the exact amount you owe QQ and make payments ONLY towards that amount. (original loan amount plus ONE months interest)

 

I'd certainly sit tight for a little while until you've got the confirmation from QQ.

 

Really, this DCA outfit are probably one of the most complained about DCAs out there. You must refrain from phoning them. They will just upset or anger you.

 

Shame they can't separate those that don't want to pay and those that have hit a hurdle and genuinely want to pay.

 

If you need any help with anything, give us a shout.

 

Regards

 

BM

It never rains but it pours...

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You're welcome. Just to be on the Safe side. Who are you emailing? MRS? Or quickquid? You need that confirmation from QQ that MRS are now owners of the debt. You need it confirmed by QQ

 

I was going to reply to MRS as QQ have never responded to any emails I've sent them

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QQ rarely ever do reply. They simply say you never contacted them, and think it justifies selling the debt on.

 

However, what they dont realise is you can put the debt into dispute and if its sold on, then it can be passed right back to them until the dispute is settled.

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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QQ rarely ever do reply. They simply say you never contacted them, and think it justifies selling the debt on.

 

However, what they dont realise is you can put the debt into dispute and if its sold on, then it can be passed right back to them until the dispute is settled.

 

Ok. How do I go about this? Do I email QQ with a deadline to respond? Then when/if they don't reply raise a dispute?

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Hmmmmm! I'm wondering if it might be worth trying to communicate with QQ via their livehelp section on their website? I know this isn't ideal, but it's live I suppose. Maybe they could give you confirmation?

 

Renegade? Your opinion on communicating with QQ in this way to seek confirmation whether or not MRS have legal rights to collect this loan?

 

My feelings, you can screen shot the session and or ask for an email of the chat transcript.

It never rains but it pours...

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If theyre not replying and theyre adding on charges etc, then you need to issue a formal complaint and inform them that you dispute all charges on the account, and you consider the account in serious dispute until the complaint is settled.

 

Remember, from the time they receive your complaint, they have 8 weeks to form a final response so you can take it to the FOS. Contrary to what some people are saying, the FOS do seem to have started to listen to complaints latetly. It;s how we got the advice that the charges outside of the contracted period are unfair and not enforceable.

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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  • 3 weeks later...

No need for a template letter, put it in your own words, far more effective. They laugh at the template letters and like to point out the 'inaccuracies' in them.

 

Keep it short, non legal and they won't know how to answer.

 

Send it to both addresses to make sure.

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