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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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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.

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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
      • 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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Hi post

local manager just turned up at my door and said why wont you pay so told him because my acc is in dispute due to non cca and he said compliance dont hold that we do at the local branch,i will get it in the post to you and we will call you on monday to discuss it.

surely compliance would hold a copy of my cca if they had it wouldnt they.

regards

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More Bs From Welcome Again

 

Agreements Are Held On A Z Drive At Compliance In Notingham

 

The Local Office Might, And I Mean Might Have A Copy But I Doubt It

 

Dont Be Surprised If They Now Send You A Reconstructed Agreement And Try To Say They Have Complied With Your Cca Request

 

Cretins

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hi post

the same as what compliance done then,

also he said are you using a company to do this or are you doing it yourself so i said myself just to see if they send me my cca but if they do it will probably be naughty as they havent complied yet.

 

what do you think post

 

regards

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Hi All

Letter Received From Welcome Yesterday Saying

 

Thankyou For You Letter Of 16th November 2009 Regarding Your Recent Complaint- Missold Ppi And Non Cca

 

The Issues You Have Raised Are Still Under Investigation And We Hope To Have A Final Response Sent To You In Due Course.i Would Like To Take This Opportunity To Thank You For Your Patience In This Matter.

 

Your Sincerely

 

Customer Complaints Department

 

So Wheres My Cca Then

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they send me a letter telling me they cant supply my cca

then say they have got it and will print it off and send it

i just dont think they have it or it is a very bad cca and they dont want to show it

good luck to you also leelakey07

 

local branch manager said that cca would be here before Saturday 1st class recorded delivery so they could phone me on Monday and discuss where to go from there.

 

i have now switched off from them as realised it was almost my payment date when he called suprise suprise.

 

anyway postg good luck with the op and hope your ok over Christmas

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hi post

i think compliance already tried the reconstructed one when they said we should provide you with a copy of your cca but cant at this time.

i have included the link to them on photobucket

could you look at it when you get a chance and let me know if thats what it is.

regards edwi

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The CCA 1974 rules all loans regardless of who the lender is, that is loans originally under £25000.

 

You said Welcome Finance said "your loan is not covered by the CCA as it was for Financial Institutions only". This is not true.

 

They have to abide by the rulles as well.

 

After 30 days, they cannot enforce the loan anyway.

The agreement should have all the prescribed terms in it and the s77 request means all documents connected with the agreements also.

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hi post

dont know when you are back but as i said i will let you know when i hear anything and yes you was right they dont have my agreement.

 

i have put below todays events and hope you are comfortable.

 

i have just phoned compliance and told them to remove my telephone number from their systems because i am sick and tired of the local branch calling and being mouthy

 

i asked where my cca was he said it will be your local branch that gives you that

i said funny that he just told me only compliance can do that.

 

he said well i will phone him after this conversation.

 

he said we cannot locate your true cca thats why we sent you a reconstituted one.

 

i said you will need a true one to enforce it in court,

he said we can prove you had the money.

 

the thing is im not disputing i had any money but what i am disputing in the discrepancies ie interest and mis sold pPI ECT.

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