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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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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.

      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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Payday Loan Issue


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Hi guys, my friend a NHS worker is having a nightmare with WDA. I have guided them through the process of cancelling CPA, sending template letters etc. They had a payment returned due to the CPA from the bank but WDA went in that day when refunded and put through 3 erroneous amounts as if to see what was in their bank account and what they could debit.

 

I am sure I read somewhere that they can no longer do this and it breaches some regs or a code of conduct. They are agin with no money for this week because of this and need to advise further. The bank are awaiting for these payments to come out before they possibly refund. Is there some COC I can refer WDA to?

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Hold up. The cpa was cancelled yet the bank has still allowed the transactions?

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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Yeah renegade, more information from him, from what I gather they went in with the card first after the CPA cancelled and money refunded so they dipped in 3 times in one day with the DD that he had cancelled but they submitted a new one which the bank had honoured

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YOU MUST insist that the bank makes a charge back immediately, all monies must be credited back to the account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks Brigadier, he spoke to the bank at lunch and I told him to call back and get them to refund immediately again but have not heard back from him as yet, he is off shift at 10pm so will know more then. I know the last thing they said is they are waiting for the payments to clear and will recall. I am au fait with the DD guarantee and CPA stuff and know it has to go back straight away. Also waiting to hear if they have now removed the latest DD they submitted

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I think the bank needs to be instructed to cancel any and all transactions on the account. Including CPA's and DD's. Get a copy to the local branch and get the branch manager to sign and stamp it, and get one to the Head office recorded delivery.

 

Which bank is it? Santander or halifax im guessing.

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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Ahh. Dont hear much from them regarding PDL's. Speak to him when you can and if you like, i can provide a letter that will force the bank to comply. Also, if he gave the bank an instruction in writing regarding the CPA, you MUST get him to contact the FCA and FOS. The cancellation of CPA's has been enshrined in law since 2009

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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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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Spoke to him this morning, the money has gone through and taken by DD. I instructed him to call the back and get it back under the DD guarantee and instruct not to accept no more DD's from them. He just called back and said they said the money will be in within 24 hours. I am going to construct a further letter for him to email and send recorded to WDA stating that the CPA is cancelled and DD removed and they are not to submit anymore DD's and to communicate and enter into a repayment letting him suggest what he can pay back.

 

Thanks all.

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Make sure you get a full instruction to your bank that states they must cancel any and all transactions to those companies.

 

Should the bank allow anything to be paid to them, you will make a formal complaint to the fca and reserve the right to take legal action against the bank.

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 order to go to FOS you need to exhaust WDA's complaints procedure.

http://www.wagedayadvance.co.uk/terms-and-conditions.aspx

 

scroll down to the complaints section. I can see no reason why you shouldn't send the same email to WDA BCCA and CSA at the same time. Also the OFT who will not comment or intervene but will log the complaint

 

Obviously this is not your first priority, getting the money back is.

 

I believe the complants man at WDA is richard.king @ wagedayadvance.co.uk (no spaces)

Any opinion I give is from personal experience .

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In order to go to FOS you need to exhaust WDA's complaints procedure.

http://www.wagedayadvance.co.uk/terms-and-conditions.aspx

 

scroll down to the complaints section. I can see no reason why you shouldn't send the same email to WDA BCCA and CSA at the same time. Also the OFT who will not comment or intervene but will log the complaint

 

Obviously this is not your first priority, getting the money back is.

 

I believe the complants man at WDA is richard.king @ wagedayadvance.co.uk (no spaces)

Yes I read up on the greivance procedure, he has sent them the complaint today and will await their response. Many thanks one and all again, he is a happy chap at the minute

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I had a long ongoing complaint with WDA who sent me a final response then sold it to MMF before my time was up to take it further. Of course I went to CSA and FOS , MMF then passed it back and haven't heard a word since (cue letter through the door tomorrow)

Any opinion I give is from personal experience .

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