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    • As I'm off on holiday on Wednesday and won't be around I'll bring things forward and be pessimistic and decide that Iceland won't cooperate.  There are two things to ponder. The private parking companies have a lot in common for obvious reasons.  But also some differences. Excel and its sister company VCS are by far the most litigious.  They take large numbers of motorists who don't pay them to court - perhaps the majority.  That's not because they have a good case.  Indeed their case is rubbish.  It's because, sadly, enough people are terrified of the idea of going to court and just pay up when the court papers arrive.  It's a numbers game to Excel/VCS. In cases where the motorist is in it for the long haul, Caggers win 85% of the time in court against Excel/VCS (yes, I did once go back and counted all the court cases over the previous 30 months).  But Excel/VCS take the odd defeat because of the mugs who just panic and pay.  So take this into account when deciding what to do. Secondly, without boring you with the reasons, I know about the world of local journalism.  Papers have great difficulty in filling their column inches.  If you do contact the local media there is a 100% chance that they will publish something and embarrass Iceland - and maybe get them to back down. Again, have a think if this is a road you want to to go down. If you don't win by Wednesday!  
    • Followed up with letter which is no surprise as I’m easy to find via electoral roll. Letter says we have been asked to recover from you on behalf f our client in Middle East x amount. if you believe you are not liable please contact us - yeah right! If you wish to make payment here are our client bank details which look genuine and relate directly to a Dubai bank. ” if you don’t engage our client may take further action” etc blah blah blah. its the same type phrases used by CWD/IDRWW/IDR etc…..   I ignored the email, blocked the text number and will wait to see if I receive any formal action via Mail but seems like the same tactic I’ve seen for 10 years plus and I’ve ignored all. just for people’s info
    • Hi. I expect the experts will be along later to advise you. In the meantime, I've amended your thread title to show the car park name and location. HB
    • i can instruct my gof to sit, but if it does is an entirely diff matter. WL are acting here as a DCA and are not the OWNER of the debt, lowells are, so jog on WL... until very very recent we've never seen lowells raise a scottish claim Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card. - Scotland Financial Legal Issues - Consumer Action Group  
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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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Just sent letter for request of statments


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Hi all,

 

Its great to see everyone taking action against the rip off charges!!

 

Just today i have been charged £30 for being £0.71p over drawn this is just another one to add the the many over the last 6 years.

 

I will keep this updated as it progresses

 

Andy

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Good luck - and do keep us posted.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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  • 2 weeks later...

Still waiting for my statements sent the request letter which also said to debit my account (£10) via email on the 18th april got an email back saying they had passed it on to the correct dept and they would be in contact.

 

28th april got a letter in the post saying that they will provide me with my statements but there is a charge of £5 even though on i have already told them to take it from my account.

 

Phoned them today as ive been away all weekend and spoke to a lady and told her to take the £5 from my account she then added notes to my account and sent it to the bussiness dept i thin it was. 7 - 10 working days she said they willbe here and i can start the exciting part.

 

Bit of a boring update but thats how far its got :-(

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  • 4 weeks later...

Bit of an update...

 

Statements have arrived a long last 97 pages.

 

Worked out charges £2757 with the interest £42.23

 

Letter sent on the 18th to request the total giving the 14 days which is the 31st of may.

 

22nd may standard letter from my local brach saying passed customer relations dept.

 

So much waiting all the time!

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I had a letter arrive today 27.05.06 saying they have tried to contact me to discuss my complaint.

 

They have offered me the good gesture sum of £205

 

Total i am claiming £2799.23

 

 

Time to send the next letter off

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A quick question if i may to anyone that can help.. tomorrow is the day for sending the LBA. They have offered me £205 as a final payment but im not accepting this do i just use the LBA from here? or do i need to alter it and say that im not accepting their offer.

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hi, just send lba. i wouldnt mention the offer in it, its an insult anyway!!!

 

thanks for the reply and like you say its an insult what they offered.

 

Going to sort the letter now and in the post tomorrow

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  • 3 weeks later...

Need a bit of help please guys i need another bank account that will accept people with a quite bad credit history any ideas.

 

Halifax have now decided that any money that goes into my account they are going to take it out and pay my loan arrears as soon as it goes in even though its beeing delt with by the consumer credit service. Im now going to get more charges of failed payments now the money keeps going.

 

Just had a nice row yet again with these idiots from there.

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A friend of mine who has very bad credit has just opened new account with Norwich and Peterbrough http://www.npbs.co.uk/ they have even given her a 500 overdraft. Hope that helps.

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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