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    • Received the attached today. The centre has free parking provided the number plate is entered on arrival at the surgery, which we forgot about. Given it's another of these private companies, what would be the best route here - ignore until letters either stop or court action threatened? New Note.pdf
    • Hi All, Firstly, many thanks to all that have contributed with advice on this thread - much appreciated. Daughter phoned the court and they said they cannot waive the £275 fee. Also said that if she did set aside it would be heard in an English Court as papers served to an English address even though it is an incorrect address............is this correct? Makes me feel like less likely to win? Received the SAR back from PE and they have stated they received the English address from Experian. We've looked on her credit report and there is a linked address there from a company called Lendable that did 3 searches on her.......... one on her Scottish address, 1 on our neighbours address? and one on the English address. She says she and her ex went to look at buying a car - he cannot drive but was going to get the finance. I can only assume they have done a search on his address? Anyway it got refused unsurprisingly. There are no other links to that address on the credit report and no other searches from outside companies so how did PE obtain this address without a search on her credit report? It should be said copies of all pcn's where included so now we have copies of the original ones that were never received for some unkown reason - exactly the same as 8 mins one (but this one for 21mins over an hour) - stating keeper liability and all addressed to Scottish address. Now on to another matter............yesterday she informed me she has another pcn from a different company and now received a 'legal' letter. I've attached the 3 bits of info she has given me. I'm just worried these may try the same trick, so is it worth actually contacting them before it escalates further and state the no keeper liability in Scotland defence as they are claiming it as keeper liability -  and that she doesn't recognize the offence? Would you believe she actually got this pcn when they went to look at buying a car as mentioned above...............just incredible! Thanks. T. PCNG24.pdf
    • This morning I have received an email from Lowells, quite out the blue as I've not heard anything from them for years. it states "Action required on your overdue account"
    • So this is what I've got so far; PLEASE PLACE THIS EMAIL BEFORE THE COURT WITHOUT UNDUE DELAY  Re: Case Number XXXX - ParkingEye Ltd (claimant) vs Cardiff Devil (defendant) In response to the letter from the court dated 19/02/2024, I am writing to the court as the defendant in this claim to register my objection in the strongest possible terms to the hearing being heard “on the papers”, and to request a regular oral hearing instead. Since the claimant is a nationwide parking company with net assets of over £53,000,000 on their balance sheet as at the end of December 2022, it is therefore safe to assume that they will retain a team of qualified solicitors on their payroll to prepare court paperwork on their behalf.  Conversely, the defendant is a litigant-in-person with little legal knowledge.  As a result, the defendant contends that the case being heard on paper evidence only would put the defendant at a severe disadvantage. The defendant also contends that the circumstances of this case are not at all straightforward and there are several points that the defendant wishes to contest at the hearing, such as inaccuracies in the claimant’s CPR 31:34 submissions, the potential intentional redaction of crucial evidence in the claimant’s contract with the tenant, also the claimant's lack of compliance with the Protection of Freedoms act 2012 to establish the defendant liable as the registered keeper of the vehicle in question, and their lack of adherance to local planning laws amongst others.   Thanks CD
    • Savers who rushed to lock away money before the end of the financial year in 2023 into short term Isa fixes will be seeing accounts mature now.View the full article
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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.

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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.
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      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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WDA Using another debit card


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This is really a strange one, I have a WDA account and so does my OH - their account is fine and is paying over and above each month to reduce the balance and no in default. My account is a different story and in default. Last month OH's bank rang to say that WDA had tried to take out over £200 on their debit card and obviously was refused. A couple of days later they paid on their account using their debit card.

 

What I have found out is that WDA are trying to take money from their bank account for my account. Are they really allowed to do this. I can again state that their account is not in default whatsoever and is paying the interest every month together with a little bit of the capital to bring the balance down.

 

Would people say this is fraud and are they allowed to take someone else's money to pay for my account.

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Not allowed at all. Its bordering on theft imo.

 

Your bank did the righr thing and you now need to get full conplaibts rolling

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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Thanks, I did think that but guess what WDA say that as we are financially connected ie married if OH had defaulted they could dip into my bank account. I have told them to send me this in writing and will then take the matter further.

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WDA are 100% and totally wrong. If the loan was taken out in your name only, they can only take money out of an account that you gave them details for. Anything else is theft and needs to be reported. I would be tempted to call them and ask again, but record the gall. They wont put it in writing. They never do.

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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| was in the bank at the time and made the phone call, I have a witness at the bank who clearly heard the conversation as it was on loud speaker. The bank girl even spoke to them and said that if they could produce anything that showed that I had given my OHs debit card details to them the bank would be quite happy to take the matter up with them. I have never given my OHs debit card details to them.

 

The bank say that WDA tried to take over £200 from OH's account. I am so pleased they did not have the money in their account. I know that this relates to my account as OH's account is not in default and they only owe £160 including interest.

 

Their words as you both live at the same address and are financially associated it would be common practice for either of you to take responsibility for the other's account.

 

It is all very strange as before now WDA only took payment by direct debit and never ever attempted to take payment by debit card.

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Their words as you both live at the same address and are financially associated it would be common practice for either of you to take responsibility for the other's account.

 

You must report that to the regulators. They have no right whatsoever to say that.

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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