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    • 1 Date of the infringement 14th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 14th May 2024 3 Date received 27th May 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No 5 Is there any photographic evidence of the event? Yes 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? APCOA Parking (UK) Ltd 8. Where exactly [carpark name and town] Hove Railway Station For either option, does it say which appeals body they operate under. Unsure  Received this after payment failed to go through on the app. This has happened before and I don't really want to have to pay these parasites again. I have not appealed or had any contact since receiving this notice but the payment period runs out in a few days and wanted to know the best plan of action.  Many thanks! edited_Parking Ticket - Copy.pdf
    • One last query, the works have already been agreed to by ourselves as we have had no choice and should be completed today. So should this paragraph be requesting payment rather than asking from them to agree to commence works?    Also, we currently have a courtesy car provided by Mercedes which will be required back when we collect the car so I don’t think we’ll need to be requesting a courtesy car from Doves, unless they want the car back to review themselves? 
    • No HB, I dont think they are currently. Just different figureheads - and I'm not that sure about the second part. Half the Tory cabinet are hard right/poopulists and many of the Tory doners   Oh - and why are people talking about the 'extinction of the Tory party with 20% of the vote and 70-90 seats .. But the rise of the Reform party with a media driven 11% of the vote and - 4 seats being seen as an outside chance epic victory?   I'll bet if there were a kkk party in the UK it would do similarly to the reform core vote and split the hard right vote The Uk is very clanish - and consider themeselves tory or labour or whatever - although the extreme parties now do seem to be cracking that edifice somewhat - I hope
    • I'm not sure I follow, TJ. They're still with different parties, aren't they?
    • Well farage is just a Johnson number two isn't he .. (or johnson is a farage number two?) so you can understand their confusion   Has farage got a clacton home yet? Even an airBnB or a beach hut? No? No surprises there then eh?
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Refused a repayment plan, phoned my employer 3 times whilst they knew I was away ill. Attempted to hammer me with extra charges. Refused to acknowledge a complaint despite their so called Compliance Officer being copied in on 4 emails asking a complaint to be investigated. I'm copying in their letter threatening further contact at work despite the "all in writing" letter being sent. They also lie in their correspondence, as I had some 15 e-mails contacting them to arrange payment, each and everyone they ignored.


Dear Trapper,



We have been trying to contact you regarding your outstanding loan but to no avail. We have sent numerous emails, text messages and letters. Additionally, we have attempted to contact you at

home and on your mobile phone.


The only other method of contact we have available is via your work place

XXXXX- as provided at the time your loan was underwritten.


We understand that it may be difficult to communicate whilst at work so before we put our efforts into contacting you there, we would like to give you another opportunity to contact us.


You can call us directly on 0208-532-5020 or email us using repayments@mrlender.co.uk



If you are experiencing financial difficulties and cannot afford to repay the balance of

£xx.xx in full,


we can offer you a repayment plan over a number of months that you will be able to afford.


Yours Sincerely,


Repayments Department





I ended up complaining to FOS who upheld the complaint and wrote off a £200 debt. I've also raised their conduct with the Information Commissioner and OFT.


Are you struggling with them? If so, have a read of this link, hopefully it may help.



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No Im not.


I applied for a loan with them today, but then backed out after id applied. They tried to call me to go over bank details to deposit money but i never picked up the phone.

Emailed every email address of theirs to state I withdrew from the loan, as it gives you 14 calendar days to do, according to their pre-contract information.


Received a SMS only saying ' sorry you are no longer wish to continue with your application. if you change your mind, please call me on 0208-532-5028. Kind regards, NatalieB'


so i can only assume i luckily escaped.

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To be honest, I dont't have much faith in PDL's so i was expecting them to deposit the money and carry on as if i hadn't told them I wanted to withdraw....maybe they acted fast cos they hadnt actually given me their money lol

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  • 2 weeks later...

I have defaulted with Mr Lender today. I emailed them yesterday and sent a recorded letter. They rang today to say that they could not collect payment from my card. I explained the situation (they were very polite on the phone). I was asked to send an IE statement which I did and made a recommendation as to what repayments I could afford. I owe £650 altogether (this includes interest) it would have all been paid off by December. I was advised (by email) that the plan was being looked at and someone would get back to me. I have not heard anything since. I have received an email and text saying that if the rollover fee is not paid by tonight then £12 late fee will be added. I have emailed 3 email addresses that I have for them attaching a copy of the email that I sent yesterday and today. I told them on the phone this morning (and in an email and letter) that if they contact me at work, I would make a complaint. What I want to know is what happens from here (how long will they leave it to contact me about a repayment plan) and how often do they add the £12 late fee. Any advice would be grateful. thank you

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mindy - how did you stop mr lender from using your djust figurin out how to deal with them ebitcard details ? - 1 - lost the debitcard 2- wrote to bank withdrawing permisiion just i about default as well

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buddie, I lost my card so I was issued with a new one. I wrote a letter to my bank stopping all CPAs. I wrote in the letter that if any payment is taken from my account it will be unauthorised and I would complain. I took 2 copies of the letter into the branch and got them to stamp one as my proof. I then emailed Mr Lender informing them that I had cancelled my CPA with the bank and requested them to cancel it from their system. I told them that any payments taken would be unauthorised and that I would complain. If they call you after you have defaulted tell them that the conversation is being recorded and that you want to deal with them by email. I don't know if you work but you must make it clear in an email that you don't want to be contacted at work. They are not playing ball at the moment. I emailed a IE statement with an affordable repayment plan. They are requesting £150 to set up the repayment plan. They also said that they will allow charges up to £60 to accumulate I have asked for their bank details but they are ignoring my emails. I sent an email yesterday asking what the £60 charges are for and why are they requesting £150 to set up a repayment plan. If they don't reply by Monday then I will make a complaint to them. If they don't reply to that or I am not satisfied with the answer, I will take the matter further. I am slowly making arrangements with all my PD lenders. If it was not for this site, I would still be in the trap

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They are requesting £150 to set up the repayment plan. They also said that they will allow charges up to £60 to accumulate I have asked for their bank details but they are ignoring my emails.


You need to make a complaint about that regardless of what the lender says. That is well out of line and needs to be reported.

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


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Full report to go to the OFT.

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


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