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    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
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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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NIP for crossing train level crossing **FPN of £50 and no points**


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Thanks Aretnap, the capital A worked.

 

You ask if the signs were adequate: I suppose so, seeing that each one were meant for large/slow moving vehicles. Except I was in a car.

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Can I suggest that people have a look at this crossing and the roads leading to it on google earth or any of the other programmes that let you have a drivers eye view. i know the image data was collected a couple of years back but it might enable the people on here to offer the help that might be required.

From my interpretation of the road signs on both the B road and the A roads that this crossing links to, then it is classed as a private/user crossing, so the RTA may not be applicable and that is the reason it falls under the other act.

The signage on the B road is a No through road. There is no signage on the A road which makes believe it is a private road from that side.

Also on Google earth the phone can be clearly seen under the sign. You might even be able to claim ambiguity as one site claims it is a public highway but the authorities are claiming it isn't.

But as Aretnap points out it is a strict liability offence so all of this wouldn't matter.

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Can I suggest that people have a look at this crossing and the roads leading to it on google earth or any of the other programmes that let you have a drivers eye view. i know the image data was collected a couple of years back but it might enable the people on here to offer the help that might be required.

From my interpretation of the road signs on both the B road and the A roads that this crossing links to, then it is classed as a private/user crossing, so the RTA may not be applicable and that is the reason it falls under the other act.

The signage on the B road is a No through road. There is no signage on the A road which makes believe it is a private road from that side.

Also on Google earth the phone can be clearly seen under the sign. You might even be able to claim ambiguity as one site claims it is a public highway but the authorities are claiming it isn't.

But as Aretnap points out it is a strict liability offence so all of this wouldn't matter.

 

"Strict liability" refers to intent / the "Guilty mind" (mens rea) not being required to prove a charge - the issue of if the person intended to commit the offence not bring required to be found guilty, only the guilty act (actus reus)

 

Speeding is a strict liability offence. : you can't say as a defence "I knew it was a 30 mph limit, and I was going 37, but didn't mean to do 37". The fact that the person was doing 37 in a 30 is enough on its own, BUT .....

 

You can say as a defence "it wasn't a road that was obviously restricted from the pattern of streetlights, and the signs where it went from 40 to 30 were obscured / vandalised / non-existent". (Else, how would the "ordinary driver" know they were required to slow down?)

 

One of the concepts of "rule of law " is that it should not be arbitrary : the citizen should be able to know what is expected of them . ( "Ignorance is no defence" still applies if the reasonable person would / should have known of the law ).

However, if "the man in the street" could not have known they were likely to commit an offence due to inadequate signage, it would be against the public interest to prosecute, and a defence could be lodged, even for a "strict liability " offence

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  • 1 month later...

Just updating this thread as something has happened:

 

I've been summonsed to appear at magistrates on the 28th of July.

 

Alleged offence: Failed to comply with road traffic sign

Contrary to: Byelaw 14(1) and Byelaw 24 made under section 219 of the Transport Act 2000 by the strategic rail authority and confirmed under schedule 20 by the Secretary of State for transport on 22 June 2005.

 

I know it's lawyer time now... But HELP!

 

I don't think I have money for a lawyer :(

Any place I can get representation that wont make me bankrupt?

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You can always defend yourself, no need to waste money on a solicitor...

 

Or you could always use the duty brief on the day, if they still have them there??

 

IMO, this is quite a long thread, and you can easily defend yourself with the info given over the five pages, there is plenty of valid arguments.

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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Who do I speak to to find out status of that road? Local authority?

 

Yes I think so??

I have this link for any query on the subject... road.classification@dft.gsi.gov.uk

 

https://www.gov.uk/government/publications/guidance-on-road-classification-and-the-primary-route-network

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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Note that several different offences have been mentioned on this thread, and some of the advice is only relevant to specific offences. If in the end you've been charged under railway byelaw 14(1)

 

(1)

No person in charge of any motor vehicle, bicycle or other conveyance shall use it on any part of the railway in contravention of any traffic sign

 

 

then I don't think the status of the road (ie public or private) has any relevance.

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  • 4 months later...

Hi All,

Sorry have not updated this thread in ages, been so busy with work and have been away for some periods of time as well.

 

I have to attend court tomorrow. I'm just going to take everything said in this thread and push on the fact that the signs are confusing and go against what British Transport Police actually expect each and every driver to do.

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I have also requested the Train driver be present to be questioned. He stated various things in his written statement which I know to be untrue, embellished and also the fact that he gave his statement more than a month later I would argue his statement might be over-embelished.

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well I'm off to court in half an hour. Discovered when looking at the "evidence" photos sent to me by CPS, they're wrong. Taken from the wrong direction. Dont know if this has any relevance.

 

Going to be arguing the ambiguity of the signs involved, as well as mens rea.

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