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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
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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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WHAT?

There are liars and then there’s Boris Johnson and Michael Gove

 

https://www.theguardian.com/commentisfree/2016/jun/25/boris-johnson-michael-gove-eu-liars

 

 

 

 

and regarding the eu, what but the most democratic and tolerant of bodies would ever let a person like Farage who does NOTHING but stand there and throw vitriol at it in its heartland ?

The UK parliament would have thrown Farage out and debarred him (if the UK voters hadn't already for the UK parliament) for saying far less than he has done there.

Junker wasn't sneering at Britain, in fact he said 'Cameron is still a friend,

 

and regarding the consequences for Britain, that was Junkers warning to alert the people, NOT a threat. AND it was true now WASN'T IT.

J

 

 

By the way, hope your mate buckthorn is getting on with his claim under our EU driven consumer rights. Make the most of it they will almost certainly be eroded if we aver do leave the EU under a Tory government..

:?:

Just seen the replies, doesn't it get feisty on here:madgrin: can't stay long to reply back today.

 

Have no idea what you refer to my mate Buckthorn and a claim. Can you guess which way I voted?

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TJ I refer to your Liam Fox post. I am read it to mean he critizes the Germans and French for being spiteful and not to spread negative trade negotiations which aren't true. They have to accept and move on positively.

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http://www.standard.co.uk/news/london/tens-of-thousands-to-attend-antibrexit-march-through-central-london-a3286176.html

 

Ten of thousands of people are expected to march through central London on Saturday in a protest against Britain leaving the European Union.

 

Up to 40,000 people are due to gather at Park Lane at 11am for the 'March for Europe' before heading towards Parliament Square.

 

The march follows on from a similar rally, which took place earlier this week in Trafalgar Square.

 

 

 

Britain voted to leave the European Union in a referendum last week by 52 per cent to 48 per cent, although voters in capital strongly backed Remain by 60 per cent to 40 per cent.

 

Across the country, support for Britain to leave the EU was significantly lower in urban areas and among young people.

 

 

 

The disparity in the result among different demographics of society has prompted four million to sign a petition calling for a second referendum, and has resulted in renewed calls in Scotland for the country to leave the UK.

 

The rally’s organiser, King’s College graduate Kieran MacDermott, wrote: “We can prevent Brexit by refusing to accept the referendum as the final say and take our finger off the self-destruct button.

 

 

 

“The power is still with the people and we can change things if we are organised and passionate in our response. Let's unite the remain voters and those who regret their vote to leave. Let’s turn this on its head.

 

“Dump work, cancel your shopping trip, bring your afternoon get togethers to the streets!

 

 

Perhaps if they had done that on the 23rd July, then perhaps the vote might have gone the other way !!

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http://www.standard.co.uk/news/london/tens-of-thousands-to-attend-antibrexit-march-through-central-london-a3286176.html

 

 

 

 

 

 

 

 

 

Perhaps if they had done that on the 23rd July, then perhaps the vote might have gone the other way !!

 

When the second referendum takes place, before any exit date, people will take it far more seriously.

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http://www.standard.co.uk/news/london/tens-of-thousands-to-attend-antibrexit-march-through-central-london-a3286176.html

 

Perhaps if they had done that on the 23rd July, then perhaps the vote might have gone the other way !!

 

It seems to me that there is a section of the population that thinks it can appeal any decision it doesn't like, ad infinitum, until it gets an answer it likes. You see it on the employment forum and the legal one sometimes.

Illegitimi non carborundum

 

 

 

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People have a vote, the losing side don't like it so they protest in London ignoring the principle of democracy via the ballot box. Have I missed something ?..

 

Yes democracy is always fluid and you have to deal with changing circumstances. People might vote one way on one day and change their minds the next day.

 

Whether you like it or not, if politicians at Westminster feel that it is appropriate to hold a further referendum before any exit date, they will hold one. It is quite possible that a majority of people will be unhappy with any new deal that is struck with the EU. The UK economy might have problems between now and any exit date.

We could do with some help from you.

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People have a vote, the losing side don't like it so they protest in London ignoring the principle of democracy via the ballot box. Have I missed something ?..

 

Democracy in Britain doesn’t mean majority rule. It’s not the tyranny of the majority or the tyranny of the mob … it’s the representatives of the people, not the people themselves, who vote for them.

Government of the people, by the people, for the people

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It seems to me that there is a section of the population that thinks it can appeal any decision it doesn't like, ad infinitum, until it gets an answer it likes. You see it on the employment forum and the legal one sometimes.

 

It does seem like that doesn't it ?..

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People have a vote, the losing side don't like it so they protest in London ignoring the principle of democracy via the ballot box. Have I missed something ?..

 

 

How are the protesters ignoring the principle of democracy? They're upholding it by exercising their right to protest.

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How are the protesters ignoring the principle of democracy? They're upholding it by exercising their right to protest.

 

I agree but, they are not just protesting, they are demanding another chance to have their say because they didn't get what they wanted the first time round. Yes, the referendum was close but the majority of those who voted, voted to leave. That is also democracy and anyone who tries to change that do not deserve to live in a democracy.

 

The only thing that would happen if they got their way is anarchy. The decision has been made, they don't like it. That is fine. Protest and air your views but at the end of the day, we will be leaving the EU (unless the Government of the day decide otherwise, something to deal with at a later date)

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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http://www.standard.co.uk/news/london/tens-of-thousands-to-attend-antibrexit-march-through-central-london-a3286176.html

 

Perhaps if they had done that on the 23rd July, then perhaps the vote might have gone the other way !!

 

It seems to me that there is a section of the population that thinks it can appeal any decision it doesn't like, ad infinitum, until it gets an answer it likes. You see it on the employment forum and the legal one sometimes.

 

When the second referendum takes place, before any exit date, people will take it far more seriously.

 

Sorry, I don't think this is acceptable. They should have taken it seriously in the first place - Those that did now have to put up with all the hype again and the tax payer has to shell out for another referendum. People need to learn to live with their mistakes !

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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

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

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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.

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If, there is another referendum and it swings the other way - we will be the laughing stock of Europe and we will see more pressure on us to show just how much we do want to belong to Europe by having to sign up to even more things that the UK don't find acceptable.. !

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

Uploading documents to CAG ** Instructions **

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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

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If, there is another referendum and it swings the other way - we will be the laughing stock of Europe and we will see more pressure on us to show just how much we do want to belong to Europe by having to sign up to even more things that the UK don't find acceptable.. !

 

Other countries have had this situation. I think Denmark once voted out of the EU and then a year later voted to remain.

 

When the economic winds change, it is up to our elected politicians to do what is right for the country.

 

Just because people voted out of the EU on one day, does not mean that should be what happens whatever the circumstances are. If the UK started to see companies shifting their head offices and factories out of the UK and there was a massive cutback on investment in the UK, there would be serious consequences.

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what amazes me is most people are saying . if we have a second reforrendon we will vote remain . but we could also very likely vote by an even bigger marjin to leave . then what carry on having them till we get the result the mob wants , also since they are saying people voted this way and that , i take it these are the same pollstors that said we would remain , no one know how people voted

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indeed, the ref result is what it is. if there is another one, and it is Remain then it wld be the Leave 'mob' :)

imo, there wont be another one. it seems its now down to whether parliament actually puts an exit through. and, from whats being said, it seems that wont be laid until at least the new year. perhaps after the 'exit' dept has been set up and commented?

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The makers of Melton Mowbray pies, is afraid that because of

Brexit the country could get flooded with cheap, inferior versions

of the pie, this could also affect Cornish clotted cream, because

they would no longer have the protection of the EU food protection

label, below are some of the EU food products which also have this

label, so if they do it to us we could also do it to them.

 

Our own English Champagne, Gorgonzola, Parmigiano etc; etc;

All I can say is dig out!

 

hams, sausages, olives, olive oils, Balsamic vinegar

Gorgonzola, Parmigiano-Reggiano, Feta,, Piave cheese, Asiago cheese, Camembert,

Cider, Cognac, Armagnac and Champagne can only be labelled as such if they come

from the designated region.

Roquefort, for example, cheese must be made from milk of a certain breed of sheep,

and matured in the natural caves near the town of Roquefort-sur-Soulzon in the

Aveyron region of France, where it is colonised by the fungus Penicillium roqueforti

that grows in these caves.[5]

This system is similar to appellation systems used throughout the world, such as the

appellation d'origine contrôlée (AOC) used in France, the denominazione di origine

controllata (DOC) used in Italy, the denominação de origem controlada (DOC) used in

Portugal, the denominación de origen (DO) system used in Spain and the Denumire

de origine controlată

 

 

Edited by buckthorn
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so if they do it to us we could also do it to them

unlikely, as any trade to the eu wld have to comply with eu regs. so, not quite free from eu laws there.

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unlikely, as any trade to the eu wld have to comply with eu regs. so, not quite free from eu laws there.

 

Did I mention anything about trade with the EU?

re-read my post protection labels, was the subject.

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yes, you said mowbray was afraid the country cld get flooded with cheap inferiors etc. then you said we cld do the same to them. :) thats what i refer to.

maybe you shld reread your own post.

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yes, you said mowbray was afraid the country cld get flooded with cheap inferiors etc. then you said we cld do the same to them. :)

maybe you shld reread your own post.

The subject was protection labels!

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