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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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Igroup/GE Mortgage + secured Loan + now Engage- beat GE Repo - now Engage Repo **WON** Want to reclaim charges


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unless it is within the period of a court case that they latterly WON

they CANNOT add solicitors costs.

 

any fees, [arrears/letter/debt management visit etc etc]

can be reclaimed at theirint rate

 

That's not accurate. With mortgages the legal fees are part of the contract, and unless struck out by a court as unfair, then the costs remain - which means any litigation taken by the mortgagee is covered, from sending out letters from their legal department to their fees in court, whether or not they win or 'lose'.

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They are saying the 'loan re op payments' (aka as the charges) which they add each month on top of the CMI

are arrears as they can ask for them to be repaid at any point in conjunction with 8.1 and 8.2 of the contract.

 

The charges (including any interest) total amount stands at approx £4000 but I can't get a true figure until Ge provide me with the definitions I have asked for.

 

Of the £4000 they are saying that £2000 of them (which include charges, solicitor fees etc) are arrears which they are saying should have been paid at their request.

 

For example - CMI is 174 p/m and Ge add another 74 p/m to cover the charges accrued to ensure there is not a huge balance outstanding at the end of the term.

They say this is covered by the contract in 8.1 and 8.2. It is the 74 p/m which they are saying are in arrears.

 

I have been paying 200 per month which has resulted in the +156 on the CMI.

 

I have provided the judge with the arrears statement which clearly shows the CMI and the 'loan re op' as two separate items debiting my account.

I have provided a bank summary of the payments crediting the account have been made are more than the CMI.

 

So this case hangs on what GE have been adding on for loan re op payments.

 

Does that make sense?

My hearing is at 10:30 so we will see I'm really nervous though.

 

That's a good point pleasehelp me as the interest is huge portion of the total amount of charges so I would be interested to hear this.

 

Many thanks

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Clause 8.1 and 8.2 say they can ask for the charges to be repaid whenever they determine. Which is then when the charges are listed as 'loan re op' payments on your arrears statement. What they do is sum the entire amount of the charges divide it by the remaining term in the loan and then that is the additional payment they put on the account each month listed as loan re op. It is this which Ge are determining as arrears.

 

If the charges are representable of the cost then that is something I have to pay. However until the charges disputed then I don't want to be giving GE any more of my money, especially as they are not replying to my questions to of definition and breakdowns etc.

 

However how the judge views this tomorrow I don't know ?

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Clause 8.1 and 8.2 say they can ask for the charges to be repaid whenever they determine. Which is then when the charges are listed as 'loan re op' payments on your arrears statement. What they do is sum the entire amount of the charges divide it by the remaining term in the loan and then that is the additional payment they put on the account each month listed as loan re op. It is this which Ge are determining as arrears.

 

If the charges are representable of the cost then that is something I have to pay. However until the charges disputed then I don't want to be giving GE any more of my money, especially as they are not replying to my questions to of definition and breakdowns etc.

 

However how the judge views this tomorrow I don't know ?

 

How did you get on?

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Good evening ...

 

First off good news I got the suspension :whoo:

 

However it wasn't easy, GE Money refused to accept any monies toward the arrears (which are loan re op payments) and wanted a full repossession. GE solicitors even had done a 'drive by' valuation to provide to the Judge :evil:

 

I think that was because I refused to give GE the authority to liaise with my main mortgage provider for details of my account from them.

 

Even so I pointed out to the judge this was also a consideration I had had to sell the property and obtained 3 valuations

and this would only cover my first mortgage which would mean GE would not re-coup anything anyway. That was very sneaky.

 

The judge was very understanding and said that I had given the most articulate defence he had seen by a lay person

and that convinced him of my determination to resolve this.

 

However, he said the loan re op was part of the contract and GE contractually can request these monies to be spread out to avoid a large balance.

He reaffirmed to GE representative although GE were unwilling to accept any payment proposals he was inclined to disagree.

 

He order me to pay £40 a month on top of both the Cmi + loan re op payments.

 

He said this would avoid me having further admin fees added to the balance and halt any further action GE tried to pursue because of the loan re op payments.

He said this would give me time to challenge the charges and if it was found in my favour the payments could be altered.

 

I was happy with this and will buy me some time to challenge the charges

and if it is in my favour I will have paid any monies off to GE quicker (I only have 50 months to go) I am pleased with that.

 

I have some further update on the definitions which GE representative put forward in court today,

which the judge was unhappy with because it hadn't been shared with me and he ordered a recess.

 

Even though GE representative was there for GE money,

the Judge said he had to be my advocate also and then onwards the representative was fine with me.

 

I'll post the definitions on my thread so I don't hijack yours.

 

Have you sent you charges letter off yet?

 

Best regards

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That's not accurate. With mortgages the legal fees are part of the contract, and unless struck out by a court as unfair, then the costs remain - which means any litigation taken by the mortgagee is covered, from sending out letters from their legal department to their fees in court, whether or not they win or 'lose'.

 

 

thank you lea. noted good info.

 

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... 

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Pulled me up as well the other day. I need to make sure I don't have too many threads open it gets confusing. Good job Lea is watching...

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Sorry guys, it's not about pulling anyone up

- I, like you probably do, think it's important that people have accurate information

so they don't feel cheated when they get into court and hear the judge say something different.

 

The judge does have the power to order no costs to be added to the mortgage

or the security IF he believes the proceedings were not necessary..

 

.at that stage, if the costs are added, the mortgagor can ask for them to be removed by waving the court order.

 

Otherwise the mortgagee's court costs can only be challenged if they are over the top.

..e.g £6-800 for a hearing is about fair, more and they are verging on over-charging.

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  • 4 weeks later...

Hello everyone,

Hope you are all ok.

Just to update you all..... Everything is still plodding on.

We are paying the cmi plus the £90 Ge charges bit plus the £250 towards arrears.

 

We are also paying the cmi on the secured loan, plus £65 ge charges plus £100 off of arrears.

 

Meeting the payments are fine, we have done Nov, Dec and Jan and will also pay Feb before back in court in early March.

 

I've done letters to reclaim charges,

got the financial ombudsman involved as to how the arrears were handled and requested all telephone conversations transcript .

 

As in January last year, I was told the arrears were high, but as we have ages to go on mortgage, that could be rectified.

 

Also shelter are involved as they are surprised the judge has asked us to pay a bulk of the arrears as well as a monthly payment. Have I forgotten anything?

Your help, as always is greatly appreciated :)

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Hi, good to hear all going well.

 

I have also put in a letter for my charges also with a complaint letter. I would be interested to know what Fos say regarding the handling of arrears. I will need to wait till 8 weeks has passed before I can go to the fos.

 

Hello :)

I take it you've not had any response yet?

Well I first raised the points back in November and they offered me a small refund ' as a gesture of goodwill' I since written to them requesting everything back except the solicitors fees . I've also sent all off to the FOS.

Let me know if you hear anything .

I had a meeting with Shelter today, who were fab, but I'm fed up with all this hanging over me.

Nice to hear from you :) x

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I received an acknowledgement letter to say they are looking into the issues i have raised, so it is just a waiting game now!

 

Keep plodding on till you get it all sorted and I know it is such a strain, but hopefully it will turn out in our favour! :|

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Hi all,

Just wondered if anyone is around to offer advice?

I'm claiming back my charges from ge, the charges total approx £7000. £2700 are solicitor fees, this morning they have offered me £2250 as a refund. They say the other charges cannot be refunded and have advised I contact the cab. They say their charges are fair and because my mortgage is unregulated there is nothing they can do. I don't believe a word of this and was looking to reclaim approx £4000. Any advice would be appreciated. Many thanks.

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you cant sadly reclaim solicitors fee

 

so how does the CISHEET with all the other charges look

[using their int rate in cell d15]

 

compared to what they are offering?

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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Hello, not too sure what that means :/

 

The total charges inc additional interest are £10,650.36,

without add int is £7401.99.

 

The solicitors fees total £3164.19,

the remaining £4237.80 are the charges

I would like to reclaim.

 

They have offered £2255 today, that leaves £1982.80.

 

The chap who called today wasn't even aware that I'd been offered any refund until I pointed it out to him.

 

I have until 14.02.14 to accept.

 

Thanks for your response :)

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take the solicitors fees out of the spreadsheet that has calculated that £10k figure

 

then that will be your charges claim.

 

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... 

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check your figures first

 

did you actually do the CISHEET?

 

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... 

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Share on other sites

Hello, not too sure what that means :/

 

The total charges inc additional interest are £10,650.36,

without add int is £7401.99.

Do you know what the difference is between "interest" and "additional interest"? I asked them and could not understand what the person said due to his strong foreign accent.

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