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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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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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Wonga Complaint - Success


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This is great news. Well done. I also submitted a formal complaint under the same circumstances.I'm now 7 weeks into their 8week timescale to reply and have heard nothing. I will give it till the end of the 8 weeks and the pass to the fos. Its encouraging that the fos seem to be supporting customers. Well done again and I hope you get the fresh start we are all after.

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I have just done a formal complaint via email basically saying that they loaned to me without completing the required checks which they admitted via email on 10th october, and accusing them of irrisponsible lending. Still no reply, so a few more days then i'm passing it to the FOS.I am interested to know JEC1965, if they are also removing these entries from your credit file as they have done with loans they have written off? I may be pushing my luck but I also asked for that in my complaint lol

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I got into a spiral of loaning and reloaning each month, as I couldnt afford to live after the payment went out. i borrowed over 3 years . I finally entered into a repayment plan with Wonga in May2014, and only had one installment left to repay in october, which was written off. I agree that it should apply to any loan they have granted which was not properly assessed to see if you could afford it, irrespective of whether it is live or not. Bex 19- the first thing i did after recieving the email on the 10th to say i was affected, was to request all account information held on me from Wonga, so i could work out what i had borrowed, and what i had paid in fees and interest etc. it took me 2 months to get this information. I was gutted to see how dependent I had become, borrowing thousands over the 3 years and paying £3543 in interest and charges which i have requested is refunded. I also noted I was paid a goodwill compensation amount of £120 in august, although had no idea this had been paid to me (or should i say deducted from the repayment plan) or what this was for as it predates the affordability issues. To date no one from Wonga will explain what it is for, although i assume its for another cock up on their part!

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I'm going through a very similar process at the moment with Wonga - original email said I would receive a response within 8 weeks followed by another email saying a further 6 weeks and still nothing!

 

I have now passed my complaint to the Ombudsman but was interested to know did you have to provide a breakdown of each loan and the interest paid on each loan to the Ombudsman? Currently I don't have this information despite several requests to Wonga!

 

I didnt provide this to the ombudsman just the original documentation I sent with my wonga complaint. However, I haven't had an acknowledgement yet from the ombudsman to say they have recieved my complaint. They may ask for this information i suppose. Its been a week. I havent heard anything from wonga at all after the 8weeks passed, and I tried chasing at 8weeks and just got an automated response.

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Good luck Kat2015 I referred mine to FOS and within a week of them writing to Wonga I had an offer from them.

 

Hi, I wondered how long it took the ombudsman to get in touch with you, after receiving your complaint? Its been a week since I sent it to the fos, and I sent it tracked so definitely got there a week ago.

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Hi

 

I sent my complaint to FOS on 10th Jan and received a standard reply dated 14th Jan saying they had received it and they aimed to respond within 6 weeks. I received another letter dated 11th Feb saying they had contacted Wonga to ask for the information they had about my complaint and then it would be passed to an adjudicator to investigate. I received a letter from the adjudicator assigned to my case also dated 11th Feb. Before I received these letters I received an e-mail from Wonga on 9th Feb with an offer. Don't know if this was coincidence or not.

 

I didn't send details of the loans I had to the Ombudsman. I had gone through my bank statements at totted up the amount I borrowed against the amount paid back and just worked out a rough figure of what I expected back. When I received the e-mail from Wonga they listed all the loans I had and the amount of interest paid which was spot on.

 

Hope this helps.

 

Kat - if you haven't heard by then end of the week its worth giving them a call to make sure they received it.

 

I have now started the process with the other pay day loans I had. I sent e-mails a week ago. Mr Lender already come back with an offer even though they said they didn't agree they were irresponsible.

 

Thankyou I will give them a call friday if still not heard from them. I have a flexcredit account with quickquid which I had to take out to pay off wonga one month. Ive nearly repaid it now but might be worth giving it a go

 

Will keep you updated

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Thankyou I will give them a call friday if still not heard from them. I have a flexcredit account with quickquid which I had to take out to pay off wonga one month. Ive nearly repaid it now but might be worth giving it a go

 

Will keep you updated

 

I have received a final response from wonga today, basically they are not upholding the complaint on the grounds that they 'have seen no evidence that the loans were not affordable to me'. Im a bit flabbergasted as they admitted that the loans were unaffordable to me in their email dated 10th october where they stated I would not have been given a loan under their affordability checks. Ive passed thos to the ombudsman but arent holding out much hope!

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I have received a final response from wonga today, basically they are not upholding the complaint on the grounds that they 'have seen no evidence that the loans were not affordable to me'. Im a bit flabbergasted as they admitted that the loans were unaffordable to me in their email dated 10th october where they stated I would not have been given a loan under their affordability checks. Ive passed thos to the ombudsman but arent holding out much hope!

 

I have called the financial ombudsman who confirmed they have received my complaint and it has been passed to an adjudicator. They asked me for copies of all correspondence with wonga and my wonga statements of the loans taken which I have provided. They have said it can take up to 6 weeks before I will hear anything but I am very happy with how supportive and none judgemental they were

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  • 3 weeks later...

Just an update- as you know i had a final respnse from wonga stating the did not uphold my complain as there was no evidence the loansa were unaffordable (even though they sent me an email on 10th october stating they were unaffordable doh!).I have finally been contacted by the financial ombudsman today. They apologised for the delay but stated that they have been waiting for my records from Wonga, who have not been very forthcoming. The chap was really pleasant and reassuring, as I am embarrased by the payday loans I have taken out. He said it is very clear from my records that the loans were unaffordable, and my pattern of borrowing should have flagged up alerts in october 2011 so he will be contacting wonga informally first to request a full refund of interest and charges, plus 8%, and that my credit file is ammended to remove the loans which were unaffordable. At this stage he is trying to keep it informal, but when I asked what would happen if they did not comply, he stated he would make it formal, but that basiaclly they havent got leg to stand on. He agreed that they have admitted the loans were unaffordable in their email to me on 10th october, so they have admitted liability. He said it may take several weeks but is confident of a positive outcome.

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Hi

 

when you contacted the Ombudsman did you do have to fill a form in.

 

Tinks

 

 

Hi. Yes there is a form to fill in. Its available online, but I believe if you call them they can complete it over the phone. I didn't want to call them in person at first as I was embarrassed, but I needn't have been as the chap I spoke to was really nice

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  • 3 weeks later...
So my adjudicator now tells me they are really backed up with Wonga complaints awaiting an ombudsman decision that it's going to be at least another month GRRRR (It's only been 7 months already.!) Fed up!@

 

Anyone our there getting any good news?

 

 

 

I spoke to the person at the ombudsman who is handling my case this week. He has requested wonga refund all interest and fees since 2012, plus interest, but its been 3 weeks and they still haven't responded to him. He said it may take a few more months as they have so many complaints.

 

I have also just started the complaint process with quickquid. Fingers crossed!

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  • 2 weeks later...
Just an update- as you know i had a final respnse from wonga stating the did not uphold my complain as there was no evidence the loansa were unaffordable (even though they sent me an email on 10th october stating they were unaffordable doh!).I have finally been contacted by the financial ombudsman today. They apologised for the delay but stated that they have been waiting for my records from Wonga, who have not been very forthcoming. The chap was really pleasant and reassuring, as I am embarrased by the payday loans I have taken out. He said it is very clear from my records that the loans were unaffordable, and my pattern of borrowing should have flagged up alerts in october 2011 so he will be contacting wonga informally first to request a full refund of interest and charges, plus 8%, and that my credit file is ammended to remove the loans which were unaffordable. At this stage he is trying to keep it informal, but when I asked what would happen if they did not comply, he stated he would make it formal, but that basiaclly they havent got leg to stand on. He agreed that they have admitted the loans were unaffordable in their email to me on 10th october, so they have admitted liability. He said it may take several weeks but is confident of a positive outcome.

 

Update- ombudsman have contacted me again today. Wonga have failed to respond to their request so they are escalating it to the formal process. I have also started the process with quickquid. They responded within 6 hrs to my formal complaint with a final response stating they dont feel they lent irresponsibly so declined my request for a refund of interest. I sent this to the ombudsman and its been passed to the guy who is dealing with my wonga complaint. He feels I have a good case although not as clear as wonga so its just a case of waiting to see what happens.

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  • 1 month later...

Well the wait continues! Wonga have finally replied to the adjudicator to say they have passed his request to the assessment team, which my adjudicator says is a good sign. However, I am trying to put pressure on now to progress to the ombudsman as Wonga are taking the ****! I dont care how long if takes to get my refund, but just want a definate if its going to take place...grrrr!

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Well the wait continues! Wonga have finally replied to the adjudicator to say they have passed his request to the assessment team, which my adjudicator says is a good sign. However, I am trying to put pressure on now to progress to the ombudsman as Wonga are taking the ****! I dont care how long if takes to get my refund, but just want a definate if its going to take place...grrrr!

 

Well I spoke too soon! Just had the adjudicator on the phone and wonga have finally made me an offer of £2666.62! Im over the moon. Ive accepted and got to wait the 28days to get the funds.

 

I urge anyone to try and claim back what they are owed as it costs nothing. I got a flat 'no' to my complaint to Wonga. If I had accepted it I would be £2666.62 worse off.

 

Fresh start now as that clears all my outstanding debts and leaves a little. Im still pursuing Quickquid.

 

Thanks the the OP as I was going to take it lying down until I saw they had been successful!

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Update- ombudsman have contacted me again today. Wonga have failed to respond to their request so they are escalating it to the formal process. I have also started the process with quickquid. They responded within 6 hrs to my formal complaint with a final response stating they dont feel they lent irresponsibly so declined my request for a refund of interest. I sent this to the ombudsman and its been passed to the guy who is dealing with my wonga complaint. He feels I have a good case although not as clear as wonga so its just a case of waiting to see what happens.

 

Just an update on the Quickquid complaint. Ombudsman have suggested that I am unable to proceed this complaint as I am unable to include my other PDLs in my income and

Expenditure. So even though I had multiple other PDL's they said that Quickquid could not have been expected to know that when issuing a loan. It would appear to them that I was able to afford this loan as they dont account for other PDL when looking if you can afford the repayments. Sounds daft to me but im happy with my wonga result so going to draw a line under it now.

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