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    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
    • you made it very confusing, though i doubt any of it was ever read by the delivery franchise for DPD. your saving grace might well be you didn't select your own address (though if you are all the same postcode..??) and neither mentioned a safe space other than another neighbour. but with the actual delivery address on the parcel, it appears the driver had a choice of 3 addresses, all under the same post code with differing house numbers. so chose the label one but left it on your doorstep. play it carefully and along with the photo and the retailers requirement you should be ok.   dx  
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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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      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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Company wiped out our bank account


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Hi there,

 

In august last year my wife took my daughter to one of these "photoshoot" places and was given the "hard sell" to buy a CD ROM of pictures taken for £1400 :-x

 

She paid a £200 deposit using her debit card and agreed to pay the remaining £1200 in £100 installments.

She signed the "paperwork" which states it is a "Pre-Contract" under the Consumer Credit Act 1974. The agreement is very vague - for instance the agreement number has not been filled in (it's blank)

There is also a section on with my wife's debit card details filled in (including the CCV security code which as far as I am aware is illegal to store)

 

Anyway - the direct debit for the payments was cancelled in December (neither myself or my wife has any knowledge of cancelling it) so they have received £300 so far.

Now on the 28th of February the company has taken 7 x £100 payments from the card and wiped the account, they have obviously just kept charging the card until it was declined!

 

We have not received anything from the company about missed payments, a default notice or any communication how and when they planned to take the payment(s).

 

The agreement she signed has a section with her card details filled in with the following...

 

"Missing Payments" - You realise and agree that should you default on any payments owed, including the deposit, Fusion Studios may/will debit your credit/debit card, for the full amount owed.

Seeing as they have never sent an default notice or anything then what is the definition of "full amount owed"? - I have no problems with paying them the 3 missing payments to get back on track (£300) but surely they cannot just charge her card until it declines!

 

My arguments are:

 

1. Storing CCV card details is illegal (against the terms and conditions of their agreement with their card processor)

2. No default notice sent.

3. No invoice or advise sent when they planned to take payment

4. They should have tried to charge the card for the £900 owed and not in £100 increments until it declined

 

I know a little bit about consumer law but no where near enough to be 100% sure what the legal standpoint is?

 

I have tried to phone them on Friday several times (when the money was taken) and left messages to be called back urgently but nothing as yet...

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Get to your bank, and tell them the card was compromised and the transactions were theft or unauthorised.

 

Do NOT let them fob you off with the no chargeback excuse. It is blatantly obvious what they have done, and if the bank refuses, they would be complicit with it.

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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Thanks - the 1st thing we did was contact the bank and the anti-fraud dept told us that because we had dealings with the company then it wasn't fraud (eg stolen card details) so we had to take it up with the company involved, they did tell us that 5 days after the payments were taken that they may be able to do something?

My wife was so distressed on Friday that she even phoned the police - they told us they same thing, because we had dealings with this company then there wasn't much they could do - although they did give us a crime reference number...

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Your bank is 100% wrong. Get a full complaint in and contact actionfraud.org.uk

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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