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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
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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.

      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. 
       

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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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Well its hardly likely his application will succeed ...his wasted fee...you cant control the actions of a defendant or claimant in court action...bide your time and then resume with the CO.

We could do with some help from you.

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Well its hardly likely is application will succeed ...his wasted fee...you cant control the actions of a defendant or claimant in court action...bide your time and then resume with the CO.

 

Did you mean his application is not likely to succeed..

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He is claiming depression and stress but yet he puts in this application for a set aside and does so one day before the C/O hearing. What does that tell anyone ?

 

Is that absolutely everything in his application?

 

He can make whatever applications he likes when he likes. If they are successful is a different matter.

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keep up the momentum CD as if he's possibly going through the process of repossession, who know's, good to get your reply in asap. Maybe why he's gone for delay tactics. Like you I can't understand for the amount involved why he's let it go this far.

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keep up the momentum CD as if he's possibly going through the process of repossession, who know's, good to get your reply in asap. Maybe why he's gone for delay tactics. Like you I can't understand for the amount involved why he's let it go this far.

 

Haven't been asked to reply but am I to reply to the witness statement. I think I'm heading for a breakdown..

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Maybe a letter to the court objecting to the set aside hearing on the following grounds.

 

. Defendant is using delaying tactics to frustrating proceedings.

. Claimant has followed procedures as all stages and been frustrated by the defendants lack of willingness to engage with both yourself and the court.

. Defendant is now using outrageous accusations in an attempt to further frustrate proceedings.

. Defendant failed to attend court etc and has given no extenuating circumstances for doing so

 

Andy is prob better at drafting something than me :D

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Maybe a letter to the court objecting to the set aside hearing on the following grounds.

 

. Defendant is using delaying tactics to frustrating proceedings.

. Claimant has followed procedures as all stages and been frustrated by the defendants lack of willingness to engage with both yourself and the court.

. Defendant is now using outrageous accusations in an attempt to further frustrate proceedings.

. Defendant failed to attend court etc and has given no extenuating circumstances for doing so

 

Andy is prob better at drafting something than me :D

 

Thanks for your help, the outrageous thing is the defendant is trying to twist things saying I took advantage of him and claiming is stressed. My god, why was I kind to him, I'm doing all the leg work and he's responding when he feels like it..

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Haven't been asked to reply but am I to reply to the witness statement. I think I'm heading for a breakdown..

 

Yes simply draft a witness statement in response...noting your objections and reasons..this must be filed and served not less than 7 days before the set a side hearing.

We could do with some help from you.

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No its expected you serve a copy on the defendant also....or your WS will be dismissed.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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So it was a final hearing or was it a summary judgment application?

 

This question for knowledge of CCJ's

 

For GM, does that mean if it was a final hearing you would be in a position to enforce but if it was a summary judgement you can't proceed down that line.

 

If you can enforce a final hearing CCJ, and let's say an arrangement to pay was put in place, in this case there wouldn't have been this last minute game of not my sig or any other excuses as the defendant would already have agreed to pay back. You would get some cash back and if the defendant stopped you could execute your enforcement or get back to paying again. At least money is coming back. Can you then change from an enforcement if the defendant was not playing ball and they had nothing worth the amount they owed you for taking, to a C/O?

 

If an item/items were taken and not worth the full amount, can arrangements to pay for the balance still be part of the enforcement?

 

In CD's case if an interim C/O has been granted does that say the CCJ was a final hearing, and the C/O route was taken. What power do you have with a summary judgement is useful to know.

 

I hope the next hearing is soon for you CD.

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This question for knowledge of CCJ's

 

For GM, does that mean if it was a final hearing you would be in a position to enforce but if it was a summary judgement you can't proceed down that line.

 

If you can enforce a final hearing CCJ, and let's say an arrangement to pay was put in place, in this case there wouldn't have been this last minute game of not my sig or any other excuses as the defendant would already have agreed to pay back. You would get some cash back and if the defendant stopped you could execute your enforcement or get back to paying again. At least money is coming back. Can you then change from an enforcement if the defendant was not playing ball and they had nothing worth the amount they owed you for taking, to a C/O?

 

If an item/items were taken and not worth the full amount, can arrangements to pay for the balance still be part of the enforcement?

 

In CD's case if an interim C/O has been granted does that say the CCJ was a final hearing, and the C/O route was taken. What power do you have with a summary judgement is useful to know.

 

I hope the next hearing is soon for you CD.

 

July 15th..

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This question for knowledge of CCJ's

 

For GM, does that mean if it was a final hearing you would be in a position to enforce but if it was a summary judgement you can't proceed down that line.

 

If you can enforce a final hearing CCJ, and let's say an arrangement to pay was put in place, in this case there wouldn't have been this last minute game of not my sig or any other excuses as the defendant would already have agreed to pay back. You would get some cash back and if the defendant stopped you could execute your enforcement or get back to paying again. At least money is coming back. Can you then change from an enforcement if the defendant was not playing ball and they had nothing worth the amount they owed you for taking, to a C/O?

 

If an item/items were taken and not worth the full amount, can arrangements to pay for the balance still be part of the enforcement?

 

In CD's case if an interim C/O has been granted does that say the CCJ was a final hearing, and the C/O route was taken. What power do you have with a summary judgement is useful to know.

 

I hope the next hearing is soon for you CD.

 

You can enforce after a final hearing or summary judgment. It matters not how the CCJ was obtained.

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