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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • 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.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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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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INDEFINITE and/or LIFE TIME


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Do you have a copy of the policy - terms and conditions ?

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Ah right, I see you are making a comparison against a private company as opposed to the government award. Gotcha !1

 

TBH, I really dont know if it is legal or not - If you do have a lifetime or indefinite award, short of them providing absolute proof that you have no entitlement - then I am not sure how the "government" can renege on that.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Sorry citizenB, I was thinking about I.B as I had an a life time/indefinite award and now it has change as we all know.

what gov. is doing is it legal?

 

Yes, it is legal. A life insurance policy is governed by civil contract law, and as CitizenB noted, the terms and conditions will dictate what each party to the contract is required to do.

 

Benefits are not governed this way. Parliament passes laws that define how benefits are paid.

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TBH, I really dont know if it is legal or not - If you do have a lifetime or indefinite award, short of them providing absolute proof that you have no entitlement - then I am not sure how the "government" can renege on that.

 

The key here is that while the government is bound by its own laws, it is also able to change the laws. So if the party in government doesn't like lifetime entitlement to IB, it just legislates it away. Simple, elegant and perfectly legal - albeit reprehensible.

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Thanks antone, that makes things a lot clearer :)

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The key here is that while the government is bound by its own laws, it is also able to change the laws. So if the party in government doesn't like lifetime entitlement to IB, it just legislates it away. Simple, elegant and perfectly legal - albeit reprehensible.

I have stated previously that if the DWP/DLA have stated you are 'Disabled for life' and you then get denied the same rate of PIP, they cannot simply wipe that away with a few bits of paper. They may think they can but I suspect a High Court Judge and the ECHR will think differently.

People have had to change their entire lifestyles and made life changing decisions based on the DLA's statement that they were Disabled for life. I would go so far as to say that a Contract existed, though that would need to be tested. But they cannot get away with stating one thing then simply changing their minds without being challenged and facing the consequences should they then lose.

I will be quite happy to challenge them in court and then the ECHR should my DLA/PIP be reduced.

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I have stated previously that if the DWP/DLA have stated you are 'Disabled for life' and you then get denied the same rate of PIP, they cannot simply wipe that away with a few bits of paper. They may think they can but I suspect a High Court Judge and the ECHR will think differently.

People have had to change their entire lifestyles and made life changing decisions based on the DLA's statement that they were Disabled for life. I would go so far as to say that a Contract existed, though that would need to be tested. But they cannot get away with stating one thing then simply changing their minds without being challenged and facing the consequences should they then lose.

I will be quite happy to challenge them in court and then the ECHR should my DLA/PIP be reduced.

 

Go for it - I don't post these things because I agree with them, but because I think I'm reading the law correctly. I would dearly love to be proven wrong. I do think it's a stretch to say that a "contract" exists between a benefit recipient and the government, but if someone can make that view stick, heck, I won't be arguing.

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Go for it - I don't post these things because I agree with them, but because I think I'm reading the law correctly. I would dearly love to be proven wrong. I do think it's a stretch to say that a "contract" exists between a benefit recipient and the government, but if someone can make that view stick, heck, I won't be arguing.

 

I do think a contract exists, on a basic legal basis there is offer and acceptance. I accept the fact that THEY state I am Disabled for life. They made that decision not I, their offer was Incapacity benefits and DLA. They would pay me those benefits based on a set of contractual rules which I had to follow. There are other issues which I consider form a contract but I'll pass over them at the moment.

But apart from the contractual argument:

Because of decisions THEY made, I was forced to make life changing decisions that I might not have otherwise made if they had not said that. By making that decision that I was Disabled for life they made me (and many others) enter into a mental state, that we effectively had no future, no hope, no chance and we had to change our life to meet those challenges.

There are many decisions that I had to make back in the early 90's that, had they not told me I was Disabled for life that I would not have made.

They cannot simply wipe those decisions away with a few pages of new rules, without some fists and strong words flying. If they now are moving the goalposts telling some of us we are NOT Disabled for life then someone is responsible.

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I do think a contract exists, on a basic legal basis there is offer and acceptance. I accept the fact that THEY state I am Disabled for life. They made that decision not I, their offer was Incapacity benefits and DLA. They would pay me those benefits based on a set of contractual rules which I had to follow. There are other issues which I consider form a contract but I'll pass over them at the moment.

But apart from the contractual argument:

Because of decisions THEY made, I was forced to make life changing decisions that I might not have otherwise made if they had not said that. By making that decision that I was Disabled for life they made me (and many others) enter into a mental state, that we effectively had no future, no hope, no chance and we had to change our life to meet those challenges.

There are many decisions that I had to make back in the early 90's that, had they not told me I was Disabled for life that I would not have made.

They cannot simply wipe those decisions away with a few pages of new rules, without some fists and strong words flying. If they now are moving the goalposts telling some of us we are NOT Disabled for life then someone is responsible.

I can not agree more with you I am in same boat

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Yes, it is legal. A life insurance policy is governed by civil contract law, and as CitizenB noted, the terms and conditions will dictate what each party to the contract is required to do.

 

Benefits are not governed this way. Parliament passes laws that define how benefits are paid.

Yes you are right but once it has agreed by law can this changed ?

i just read some where that once it is in writing it can not be changed however for new claiment it is new rule and new law dose apply.

I personaly think this is wrong

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