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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • 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  
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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.

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      • 81 replies
    • 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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You can't be traced, if there is nothing on any database. It would have to be a mobile anpr trace which would be very lucky of them. They might not even know about the car, as the debt is not for anything related to a car and DVLA records might not have been checked.

 

As said on the other thread, you should speak to the DRO company about this. You might be responsible for some of the HCEO fees and can include them in DRO. I am not sure all of the HCEO fees would be automatically cancelled, if they stopped enforcement, because they could not get you to pay. Hence why DRO company should be aware of situation.

 

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You can't be traced, if there is nothing on any database. It would have to be a mobile anpr trace which would be very lucky of them. They might not even know about the car, as the debt is not for anything related to a car and DVLA records might not have been checked.

 

As said on the other thread, you should speak to the DRO company about this. You might be responsible for some of the HCEO fees and can include them in DRO. I am not sure all of the HCEO fees would be automatically cancelled, if they stopped enforcement, because they could not get you to pay. Hence why DRO company should be aware of situation.

 

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can an enforcement agent clamp or sieze a vehicle on finance

 

Hi steve

I am sure some one will be along with a more definitive response but it may help you to read the

following thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?451273-Vehicles-on-HP-can-be-sold-by-a-bailiff.-Evidence-must-be-provided-that-there-is-no-beneficial-interest.

 

Regards

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can an enforcement agent clamp or sieze a vehicle on finance

 

Steve start a new thread

And tell us the full story

Quick answer is no

As its not yours

 

But start a new thread anyway

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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can an enforcement agent clamp or sieze a vehicle on finance

 

Steve

I think the thread you have been directed to quite an old one. There has been a lot happening on this over the last 12 months, you really are best starting your own thread so that people can give the up to date information. In the mean time do not risk it and hide your car if the bailiff is due to call.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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All nonsense posts removed......

 

Regards

 

Andy

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Hi steve

I am sure some one will be along with a more definitive response but it may help you to read the

following thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?451273-Vehicles-on-HP-can-be-sold-by-a-bailiff.-Evidence-must-be-provided-that-there-is-no-beneficial-interest.

 

The above thread and the subject matter, (vehicles subject to finance/HP can be taken into control by an enforcement agent if there is a 'beneficial interest) is of vital importance. Another debtor is currently arguing the 'beneficial interest' point in court. It may well be that I will be updating the above thread very soon.

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I'm unsure why this post is repeatedly removed? The only point I am making is the case referred to above is not a precedent setting case as it is in a lower court. This means the critical issue of beneficial interest will not be determined one way or another by the judgment. It will remain arguable either way.

 

Surely it is in members' interests to be aware of this?

 

I am trying to word it and reword it in a way where it cannot be read as having a dig at anyone. It is simply stating information.

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The above thread and the subject matter, (vehicles subject to finance/HP can be taken into control by an enforcement agent if there is a 'beneficial interest) is of vital importance. Another debtor is currently arguing the 'beneficial interest' point in court. It may well be that I will be updating the above thread very soon.

 

I made a very brief mention yesterday that another case regarding 'beneficial interest' is going through the court system. It is another County Court case and the outcome (when it is known) cannot of course be used as a 'precedent'. If the outcome is similar to a previous one, this will only serve to further harm all debtors whose vehicles (that are subject to finance) are seized by an enforcement agent.

 

If the outcome is not in favour of the enforcement company/local authority, I would strongly suspect, (although I don't know) that the importance of the subject matter, will lead to an immediate appeal being issued. A precent will therefore be set one way or another.

 

I intend starting a new thread today on a slightly different subject and may well refer very briefly to the subject of 'beneficial interest'. This will of course be in the 'discussion' area of the forum.

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yes, v-interesting indeed.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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It is interesting. What has been posted is only pretty much what I have said already, yet it was removed twice.

 

Purely on a point of accuracy, the precedent would only be set if there was an appeal by one side or another. As we do not know whether this will happen, we cannot state a precedent will therefore be set one way or another.

 

The issue of whether or not it would serve further to harm all debtors is significant, but regardless of that, debtors need to be aware of what the situation is. A discussion will be interesting reading. It will be important to ensure the information is balanced, explaining both sides of the argument so people are as informed as possible. I will read it with great interest.

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As said previously the advice is simple.

 

 

If your vehicle is on HP(not a PCP of a hire contract) then treat it as if the EA can seize it .

 

It is far easier than having them take the vehicle and then trying to argue some technical point whilst they have your car.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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If your vehicle is on HP (not a PCP of a hire contract) then treat it as if the EA can seize it .

 

And could not be simpler.

 

As I have said quite a few times, approx 80% of vehicles are purchased under a finance scheme and in the vast majority of these cases, the 'finance' is through a Personal Contract Plan. A PCP is not 'hire purchase' and the vehicle will be completely exempt.

 

There could never been a situation of a 'beneficial interest' applying to a vehicle obtained under a PCP.

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