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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 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? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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LLoyds have sold credit card debt to marlin europe


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hi newbie here.

 

just got a letter from lloyds,

who i have repayment plan with (self admin'd)

 

with it came a letter from marlin europe v limited,

 

i am paying £40 pcm.

 

i have others with lloyds as well.

 

but this is for the credit card i had with them,

 

which is £3547.53.

 

now i have read about these people and how they conduct them selfs,

 

i have also just finished treatment for cancer

 

.i really dont need the stress of going all through the process again with Lloyds

 

.i am quite happy to carrying on paying the money back.

 

but where do i stand with this company called marlin.ny

 

help would be most greatful.

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Hi, welcome to CAG.

 

Try not to let these clowns drag you down to their level.

If you have an agreement with Lloyds to pay them £40 a month, and they have now passed it to idiots inc, then IMO that is them breaking the agreement.

 

That is a complaint in itself!

 

As for Marlin, you should ONLY deal with them in writing, NEVER discuss this with them over the phone.

Personally, as Lloyds have acted unfairly, I would drop the payments right down to £1 a month, how are you currently paying the bank? If it is via direct debit (DD) then you should cancel it, and only ever set up a standing order (SO) as that is something you control, NOT them.

 

How old is this agreement?

When did you take it out and how?

Was it pre or post 2007?

 

Deal with this in writing ONLY,

Keep a diary of events,

If they call you, just laugh and hang up.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I know that you wrote that you also have other debts with Lloyds but...

 

Is any of your income also paid into a Lloyds Bank Account?

 

If you do then Lloyds can use this to offset your income against the debts that you have within the Lloyds Group, you need to open up another Account with a different Bank/Building Society and have your income paid into that Account.

 

Stigman

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NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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if they've sold it to marlins the I bet theres PPI or PENALTY charges to reclaim.

 

send an SAR to Lloyds

 

and

 

a cca request to marlin.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi bazooka boo,how and who do i complain to ?,the card was taken out after 2007 some 4 to 5 years ago,i pay the dept back over the counter with a paying book,and the card was taken out over the phone,lloyds phoned me to ask if i wanted a credit card,and at the time i could afford the repayments but when i became ill.i could not keep the repayments up to date.

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homepage of this Lloyds forum

 

red/yellow 'sticky' post up top

 

dx

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you wait.

 

stay off the phone too .

 

the CCa requires them to reply with the docs within 12+2 WORKING days.

 

so that needs looking at this time of year.

 

as for the sar they have 40 calendar days

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Marlins can do exactly NOTHING!!

 

They have absolutely NO legal powers whatsoever.

They are not bailiffs, they can only send you begging letters, they cannot do anything else.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

click the blue Lloyd bank up the top

and read the yellow/red stickies for ad details

 

and check

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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its now been 13 days since i sent a cca to marlin

 

how long should it be before they reply

 

,and how long should i wait,

 

what will be my next steps.

 

and when they do reply

 

what should i do

 

.also my sar to lloyds is still in the royal mails system

 

.should i get in touch with royal mail track and trace to find out if postal order has been cashed.

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let it run they have 12+ working days. for the cca

 

as for the sar often if you send sar to a pobox they don't get signed for

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

try again 12+2 working days sorry

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sorry dx I

dont understand what you mean,

 

do i have to send another cca or sar as the sticky you pointed is not for a sar ,

 

but please correct me if i am wrong.

 

i am really confused.

 

that seems to be for debt management

 

do i need to send the sar to them ?

 

sorry to be a pain but

 

just confused

 

many thanks.

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SAR goes to the registered office

 

Registered Office:

 

25 Gresham Street,

 

London EC2V 7HN

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Guest purplemushroomfairy2

Hi Good luck.

i managed to finally get Marlin/Mortimer Clarke/ MCE portfolio to back off over a credit card

because they have no CCA and it has been in dispute since 2008.

 

So, CCA them and put it in dispute when they don't reply.

They will harass you for years,

 

I have another FOS complaint to go through and I am about to go to the OFT

regarding the agreed overdraft that has been in dispute since 2008.

They now say it's enforceable because they don't recognise s78 of the act.

Any advice on that one would be good, think it's s 74 and s 10.

 

In a nutshell, stay VERY strong, the guys on here are great, I am impressed you were able to post !

CCA, wait, dispute - really don't pay anything else once they have not sent you the CCA and you placed it in dispute.

 

If they do try to summons you, you can quite simply state in the defence that you have requested a copy of the CCA

and they have not complied- the court will then contact them.

 

We got a bankruptcy thrown out because the dca had not produced the evidence - you MUST CCA immediately.

I would even suggest don't pay a penny until they prove it, something about acknowledging the debt,

we have done that too, though always send the request

- letter from the site always works well.

I know there have been changes in the CCA regulations with more recent loans so check those changes.

 

So far, only one company has produced the original signed CCA out of a significant number. GOOD LUCK xx

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thanks purplemushroomfairy2

 

what you are saying stop paying them ?

 

i have sent a cca to lloyds but seems i have sent it to the wrong address.

 

you say dispute do i have to download a template for that ?

or will the cca put that in dispute.

 

i dont have beef about paying the money back BUT not at their rate

 

they are the least of my worries

 

staying healthy is my biggest battle i live day by day.

 

i did pay my monthly payment to day to lloyds who then forward it on to marlin,

 

so should i not pay the next payment until they produce the cca ?

 

many thanks for your input.

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sorry but what do you mean by ( though always send the request letter from the site always works well )

 

sorry for so many questions but need to get this right in my head.

 

also thank you dx your a great help.

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let things run till Tuesday

 

if marlins have failed by then

 

send the failure to reply letter

 

then stop payments

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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may i ask about the credit card.

 

if it was taken out before april 2007 has the law changes as mine was taken out in 2008 where do i stand.

 

as just a little confused as i dont want to make fool of my self.

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