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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
    • Chinese firm MineOne Partners has been ordered to sell land it owns near a US nuclear missile site.View the full article
    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
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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.
      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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Update - Ombudsman complaints


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Finally agreed a refund amount from Lending Stream which I'm happy with. Hoping to receive it by the weekend. Nearly at the end of a very long and stressful journey. Learnt my lesson the hard way. Received over 12k altogether in refunds. Will never use these parasites again. Would urge anyone to get your complaints in. Its,a long process but worth it. Have finally got my life back.

 

great work indeed.

 

have you or any others got any templates / recommended steps to take as im sure many people arent as savvy ( me, cough cough ) and would find your help very very useful .

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great work indeed.

 

have you or any others got any templates / recommended steps to take as im sure many people arent as savvy ( me, cough cough ) and would find your help very very useful .

 

I don't have a template as,such.

 

 

First thing to do is work out how much you paid, how many loans, rollovers etc.

 

 

I went through my bank statements and put all figures into a spreadsheet.

 

 

I them emailed a formal complaint to each company setting out why I thought they were irresponsible.

 

 

In my case I had multiple payday loans and rolled them over constantly over a period of 5 years often taking more loans out to pay the interest.

 

I then waited for their responses.

 

 

Some were easier than others and offered refunds.

 

 

Others waited the full 8 weeks and rejected the complaint.

 

 

I then escalated these to the Ombudsman.

 

 

Its not a quick process so you need to have all your facts in order and be patient but its,worth it in the long run.

 

 

Good luck.

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I don't have a template as,such.

 

 

First thing to do is work out how much you paid, how many loans, rollovers etc.

 

 

I went through my bank statements and put all figures into a spreadsheet.

 

 

I them emailed a formal complaint to each company setting out why I thought they were irresponsible.

 

 

In my case I had multiple payday loans and rolled them over constantly over a period of 5 years often taking more loans out to pay the interest.

 

I then waited for their responses.

 

 

Some were easier than others and offered refunds.

 

 

Others waited the full 8 weeks and rejected the complaint.

 

 

I then escalated these to the Ombudsman.

 

 

Its not a quick process so you need to have all your facts in order and be patient but its,worth it in the long run.

 

 

Good luck.

 

Interesting thanks, And did you go for the full amount or just the interest / charges you incurred on the payday loans? I presume if you ( for example) borrowed £100 and you paid back £130 you went for the £30, not the whole amount?

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  • 1 month later...

I have one final complaint in with the Ombudsman against Quickquid. I received an e-mail from them today saying due to the number of complaints they are dealing with it could be up to 8 months before it is assigned to an adjudicator. I have had a couple of complaints with them before and the turn round has been quite quick. Has anyone had recent dealings with them? Can that be right - 8 months???

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  • 2 weeks later...

Heard from adjucator who said lending stream had agreed to write off what was left of loans. I have cleared the loans and paid lots in interest so said no to pass to ombudsman. I have now heard from ombudsman who found in my favour and said i was to be paid back all monies over loans with 8% interest plus £250 for distress caused. they went into my account using cpa despite me asking them not to.

 

Now I just have to wait till they pay up no doubt they will string out as long as possible

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Heard from adjucator who said lending stream had agreed to write off what was left of loans. I have cleared the loans and paid lots in interest so said no to pass to ombudsman. I have now heard from ombudsman who found in my favour and said i was to be paid back all monies over loans with 8% interest plus £250 for distress caused. they went into my account using cpa despite me asking them not to.

 

Now I just have to wait till they pay up no doubt they will string out as long as possible

 

Well if they fail to play ball, then take legal action against them from the ombudsman's ruling

 

We could do with some help from you.

 

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

 

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