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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (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; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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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.

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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.
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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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Government Virus Warning


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Below is a Warning from the UK Government.

This the full content of their page warning of the Gameover Zeus, GOZeus, or P2PZeus

virus which aims to steal your finance details.

 

 

If it cannot find any, it will encrypt every file on your computer with instruction on how to pay for the key to unlock the encryption.

If you do not pay within a set time, it will delete all files on your computer making it completely unusable and the only way back then is to clean the hard drive and reinstall windows.

 

 

 

 

This page has been created to help you protect your computer, your finances, your identity and your family against a new global online threat. The threat is targeted at random private individuals and small businesses, so it is critical that you read this page and apply our advice immediately if you have a computer running any version of the Windows operating system – including Windows running as a virtual machine on an Apple Mac, any server running Windows and Windows embedded. This is not a case of isolated attacks, as over 15,000 computers in the UK alone are thought to have been already affected.

 

 

What you need to do NOW...

 

This warning is not intended to cause you panic but we cannot over-stress the importance of taking these steps immediately. This is because the UK’s National Crime Agency (NCA) has taken temporary control of the communications used to connect with infected computers, but expects only a very limited window of opportunity to ensure you are protected.

 

 

There is a set of links at the bottom of this page to tools that will check your computer for the presence of this malware. If you do nothing else. please use one of these tools immediately.

The threat

 

Cyber criminals are constantly devising new types of malware to commit financial theft, fraud, identity theft and other crimes against ordinary people. The proceeds of their crime are also used to fund further organised crime. This latest threat is particularly insidious as it uses two different types of malware to infect your computer in order to commit these crimes:

1. A virus known as Gameover Zeus, GOZeus, or P2PZeus

This is a type of aggressive malware which infects your computer so that it can effectively be ‘taken over’ by the criminals. It can be used for a number of different criminal activities such as viewing your files, monitoring your bank accounts, sending emails in your name and even using your webcam to physically spy on you.

 

 

2. Ransomware known as CryptoLocker

CryptoLocker is a virus which criminals use to prevent you opening any files – effectively locking down your PC – before issuing you with a ransom demand. If you pay the ransom, there is no guarantee that it will be unlocked. Once your computer is locked, it is effectively rendered useless as you cannot access your email, files, photos, music or bookmarks.

 

 

How computers get infected

You probably receive many emails claiming to be from your or another bank, a government body or other official source, urging you to check your account, claim a refund or other action. Many of these are phishing emails containing links to bogus websites, or attachments which you are told to open, which actually contain malware hidden in what is known as a Trojan. In this case, the criminals have also stolen or hacked email lists and can make it make it appear as if these are spam emails coming from a friend's email account.

 

 

In this particular attack, the act of opening the attachment in such an email automatically ‘tells’ the Trojan to download the Gameover Zeus and CryptoLocker from a server normally located abroad, of which there are thousands which exist purely for criminal purposes.

 

 

How does the attack work?

If Gameover Zeus cannot ‘find’ enough on your computer to make a profit for the criminals, CryptoLocker will take over, effectively lock down your machine and demand a ransom.

 

 

What you need to do NOW

Your internet service provider (ISP) may have sent you a letter or email warning you about this threat. They will know that your computer is infected because the NCA – working with other law enforcement bodies around the world – has taken over thousands of the criminal servers and examined the records. You must follow the advice on this page straight away. Even then, if your computer has been locked down by CryptoLocker, it is too late.

Remember that making sure that updating your operating system and software are good habits to get into so you should be doing this on a regular basis.

 

 

Important warning about emails

Cyber criminals will also exploit this situation by sending out further phishing emails claiming to be from your ISP or a law enforcement agency, urging you to click on a link or open an attachment for the remedy. You could also receive a similar email which appears to have been sent by a friend, family member or colleague, but which has actually been sent automatically by a computer infected with the malware and ransomware. Read our advice on spam and [problem] emails at www.getsafeonline.org/protecting-your-computer/spam-and-[problem]-email

 

Scan for and remove Gameover Zeus malware and CryptoLocker software

Free tools have been specially developed and made available to you by a number of internet security software companies. You can use any of these tools regardless of the make of internet security software you normally use.

 

 

Symantec

http://www.symantec.com/connect/blogs/international-takedown-wounds-gameover-zeus-cybercrime-network

F-Secure

F-Secure Online scanner (Windows Vista, 7 and 8)

http://www.f-secure.com/en/web/home_global/online-scanner

F-Secure Rescue CD (Windows XP systems)

http://www.f-secure.com/en/web/labs_global/removal-tools/-/carousel/view/142

Kaspersky

http://support.kaspersky.com/viruses/utility#kasperskyvirusremovaltool (if you think your computer is infected with malware)

http://support.kaspersky.com/8005 (WindowsUnlocker utility for if your computer is infected with CryptoLocker)

Sophos

http://www.sophos.com/VirusRemoval (Windows XP (SP2) and above)

Heimdal Security

http://goz.heimdalsecurity.com/ (Microsoft Windows XP, Vista, 7, 8 and 8.1.)

Microsoft

Microsoft Safety Scanner (Windows 8.1, Windows 8, Windows 7, Windows Vista, and Windows XP)

McAfee

www.mcafee.com/stinger

 

Trend Micro

www.trendmicro.com/threatdetector

(Windows XP, Vista, Windows, Windows 8/8.1, Windows Server 2003, Windows Server 2008, and Windows Server 2008 R2).

 

 

Report a loss

If you think you have lost money through malware such as Gameover Zeus and CryptoLocker, you should report it to Action Fraud at www.actionfraud.police.uk or by calling 0300 123 2040.

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It will be almost invisible to a user if their pc is infected, so to be safe you should visit above link.

 

This virus / malware is the first to receive global action with various servers around the world being seized in an effort to terminate the virus.

 

Although there was a coordinated international approach to this, it will not stop the virus. I expect that this virus will start distributing/ running again in just a few days time.

 

The person responsible? http://www.fbi.gov/wanted/cyber/evgeniy-mikhailovich-bogachev

If I've given you advice, then it is just my thoughts / opinions - doesn't mean I am right!

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To check if your pc has it, download and install and run the one for your system IE: 32bit or 64bit

 

This tool is designed to remove the infection of the Gameover variant of Trojan.Zbot which drops and installs the Necurs rootkit as a kernel driver to protect the malware files on disk and in memory

 

Follow these steps to download and run the tool:

Download FixNecurs64bit.exe for 64-bit computers and FixNecurs32bit.exe for 32-bit computers.

Do this

download and extract the file to your desktop.

Close all the running programs.

If you are running Windows XP, turn off System Restore. For instructions on how to turn off System Restore.

Double-click the FixNecurs64bit.exe or the FixNecurs32bit.exe file to start the removal tool.

Click I Accept to accept the EULA, then click Start to begin the process and allow the tool to run.

 

 

After it reboots it will ask to run Norton Power Eraser say yes

 

The removal tool writes a summary of its operation to a logfile named FixTool.log with results similar to the following:

 

List of detected processes

List of detected files

List of terminated processes

List of removed files

List of removed registry keys

List of removed registry values

List of removed registry values on reboot

 

If the system is clean, no restart is required and the logfile on your desktop will be blank

 

Source

http://www.symantec.com/security_res...052915-1402-99

 

Enjoy3.gif

paperclip.png Attached Files

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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