Jump to content


  • Tweets

  • Posts

    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
  • Our picks

    • 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
        • Like

Perfect homes, do i have any rights?!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3195 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello my first time posting here so i hope i have posted in the right place ect.

Basically i have been with perfect homes since 2012 and never had any problems, probably because we had never missed any payments. Until earlier this year when i was diagnosed with bi-polar disorder,which has been a very hard and stressful time for me and my family.

 

So i have 2 problems with perfect homes that i would like some advice about

 

1) i have named my partner on my account and put a password on my account that only me and my partner know, i have done this due to my mental health at times i am not able to handle my own finances and rely heavily on my partner to do so, however they still refuse to let my partner pay my bill?

therefore if i am unable to pay it i am ending up in arrears, what can i do about this so they have to let my partner pay on my behalf?

 

secondly we have our own home insurance we had had since 2013

i took my insurance policy down when i first got it and they photocopied it no problem,

i also took it again when i renewed my home insurance in december of last year,

 

however i recently (on one of my good days) sat down with all my PH agreements and worked out that we are paying an extra £11 a week for their insurance, so we told them they said they had no record of my home insurance (convient)

so the store manager came to our house and took pictures of our insurance policy that was months ago and STILL they havent removed the insurance of our account,

when we asked why the store manager said the picture he took of our insurance policy was poor quality and we would have to take the policy in store AGAIN.

 

Now i could be wrong but my thinking here is surely that is not my fault?

it is his responsibilty to make sure the picture is of good enough quality and either way he has seen it so he knows it exsists?

 

I know it is only 11 pound but it adds up over all those weeks, we have paid over a 1/3 off our goods,

 

I would love any ideas of how i can get away from perfect homes

 

i have looked at many options but i cant afford even to buy the goods second hand and if i saved up for them we would be without essentials whilst i saved?

 

i understand that it may not be possible to get away from them but im hoping there is something i have not thought of!

 

Any advice would be greatly received.

 

thankyou for taking the time to read this.

Link to post
Share on other sites

If you had your own home insurance then you should not have been forced to take out the very expensive insurance touted by Perfect Homes, that only covers THEIR products.

 

You should obtain all your statements showing the premiums, then complete one of the CAG spread sheets. Download an FOS form and then send copies of everything to Perfect Home's Head/Registered office and ask for the premiums to be refunded to you, along with any associated interest.

 

If they don't refund, then you can take your complaint to the FOS.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

IF you email those 2, I am pretty sure you will get a response a bit more tailored to your problem :)

 

And a side note... F*** Me... Its hard to find info on them they arent on any FCA register until I found them on the IP (Interim PErmissions)

 

Reclaim all the way my dear, :) Cit B is spot on.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

If you had your own home insurance then you should not have been forced to take out the very expensive insurance touted by Perfect Homes, that only covers THEIR products.

 

You should obtain all your statements showing the premiums, then complete one of the CAG spread sheets. Download an FOS form and then send copies of everything to Perfect Home's Head/Registered office and ask for the premiums to be refunded to you, along with any associated interest.

 

If they don't refund, then you can take your complaint to the FOS.

 

Thankyou both for your advice citizenB where will i find the CAG spreadsheet? thankyou.

Link to post
Share on other sites

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... 

Link to post
Share on other sites

I know it is only 11 pound ....

 

Only £11, you could insure a sports car for that. Take the advice you've been given and go and get 'your' money back.

Come back if you need more help.

Link to post
Share on other sites

I also think PH have hidden insurance in there new Perfect Care rubbish going down same route as BH as they also tell you that you have to take the Perfect Care or you can't get the item which is blackmail. this also takes you longer to pay for the item than it used to due to them hiking the price of goods up because of the new Perfect Care.

 

Also they aren't interested in seeing your home insurance policy anymore as the staff say its all included which to me is meaning they hide the insurance in Perfect Care in order to get more money from the customer as they must of been losing a lot of money when people were coming in with there own insurance.

Link to post
Share on other sites

I also think PH have hidden insurance in there new Perfect Care rubbish going down same route as BH as they also tell you that you have to take the Perfect Care or you can't get the item which is blackmail. this also takes you longer to pay for the item than it used to due to them hiking the price of goods up because of the new Perfect Care.

 

Also they aren't interested in seeing your home insurance policy anymore as the staff say its all included which to me is meaning they hide the insurance in Perfect Care in order to get more money from the customer as they must of been losing a lot of money when people were coming in with there own insurance.

 

If you are told that you can't have the item without the insurance and you desperately need it, then sign all these things and then claim back the insurance as mis-sold. Put your mobile on record when you take out the finance and then you can report them and will have the proof that not only was it missold, but should Trading Standards require it, you will have the recording for them.

Link to post
Share on other sites

Perfectcare is shown as optional on the website.

 

 

You would need their theft and accidental damage cover if your home insurance does not cover hire purchase items as goods need to be cover per the terms of their hire purchase agreement.

Link to post
Share on other sites

  • 2 weeks later...
If you are told that you can't have the item without the insurance and you desperately need it, then sign all these things and then claim back the insurance as mis-sold. Put your mobile on record when you take out the finance and then you can report them and will have the proof that not only was it missold, but should Trading Standards require it, you will have the recording for them.[/

 

 

Perfectcare is shown as optional on the website. You would need their theft and accidental damage cover if your home insurance does not cover hire purchase items as goods need to be cover per the terms of their hire purchase agreement.

 

 

Where abouts on the Perfect Homes website does it say its optional? Your told in the shop that if you don't take the Perfect Care you cannot have the item.

Link to post
Share on other sites

there Is no legal requirement for any insurances under the HP scheme

to say its required is wrong.

 

 

its PH's T&C's that say it

they could just as easily say you need to have pink hair

T&C are questionable at the very least

just like the penalty charges

just because it says this and that in the T&C's its not cast in stone.

 

 

all these companies make more on the insurances from customers than the goods are anyhow.

5*'s over

 

 

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... 

Link to post
Share on other sites

there Is no legal requirement for any insurances under the HP scheme

to say its required is wrong.

 

 

its PH's T&C's that say it

they could just as easily say you need to have pink hair

T&C are questionable at the very least

just like the penalty charges

just because it says this and that in the T&C's its not cast in stone.

 

 

all these companies make more on the insurances from customers than the goods are anyhow.

5*'s over

 

 

dx

 

Fully agree, a while ago i posted a comparision between Expansys and Brighthouse over a G Flex from LG.

New from Brightouse, £1500+ locked to O2 over 2 years. Brand New from Expansys was £330... Unlocked! Thats proof right there!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

PPI is designed to pay the instalments should the hirer not be able to pay for a multitude of reasons, on of those reason could be off work sick. But! and it's a big but, are you questioned about your health and other things? because some policies won't pay out on past illnesses, only new ones. So if you should be off work with something that doesn't get counted, how are the payments going to be met.

Unless a full questionnaire is submitted at the outset, they can't even decide if the policy is suitable - in other words, MIS-SOLD.

 

Anyone who has been forced to take out one of these policies should claim it back whether they have household cover or not, that doesn't come into it.

 

This is pure 100% moneymaking and for no other reason. They have a contract, if you break that contract they can take you to court and send in bailiffs, but that don't bring in as much profit as insurance and is more of a bother,

Link to post
Share on other sites

Perfect Homes keep saying the Perfect Care you have is not insurance and you need to keep it for the duration of paying for the item. I'd claim all back but don't know how to use spreadsheets or work interest etc out. was never good at maths.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...