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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.
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    • 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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    • 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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      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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StepChange £150PCM DMP - Been Paying for 15yrs - all Old debts/scared and out of my depth


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Please ignore panic merchants. I assure you as DX says BOI / Post office will NEVER take you to court. As for the rest,, perhaps you will receive a PAP, but then you can defend. That's why we always say, make sure that your creditors have your current address. 

 

Your chance of receiving a PAP from any of the remaining one's is pretty small, just make sure you open all your mail and run anything that arrives past us.

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Thank you dx and London! I feel so reassured by your words that clearly come from extensive knowledge gained from dealing with similar cases.
This is such a huge step for us and if it means that even just one of these debts is unenforceable will have been worth the uneasiness. I feel ready to put up a fight and not let these relic debts looming over us nearly two decades on. B:)x

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Bon-ee-bon

 

Some months ago I found out that a friend of mine was on a debt management plan.  I wrote to every one of his (10) creditors and not one could provide the original paperwork in support of the sums they were asking for and collecting on, and one even stated (and I was gobsmacked they would admit it) that the debt was unenforceable but would he mind paying it anyway ha ha!

 

He stopped paying and up to this point nothing has happened.

 

You should be clear about what is needed for them to be successful:

 

1. They have to deliver a Letter before Action which is required by the Court system.  It basically says pay the bill or they will take you to Court and usually comes from a Solicitor.   Any other document is just part of their Threatomatic system and can be ignored even though some of the letters can at first glance look serious.  (Any doubts come back on here).

 

2. Having delivered the LBA they can then go on to apply for a County Court Judgement.    The cheapest way to do this is by filling out a form on line and they will not upload or be able to provide any paperwork to support their claim at that point.

 

3.  You can easily defend against the claim by asking both the Solicitor and the Debt buyer to provide the paperwork to support the claim.   (95% of the time or more they can't do it because when they bought the debt it arrived as a line on a spreadsheet mixed in with a thousand other debts by email.  (10 out of 10 in my friends case 100%)).  They are running a numbers game and paid 10p in the £ for the entire value of the debts.  They only have to get around 10-15% of the money across the whole portfolio to be in profit.  Thanks to CAG and others the value of these debts is I suspect going down as they are getting less and less out of them due to people successfully defending them.

 

4. they might try one or two little tricks such as sending you blank documents and trying to persuade you that they have provided the evidence but in the main their case founders at that point.   (The one court case I have been involved with played out this way but I was steered through it by the guys hear at CAG).

 

5. If they do send a valid document it will likely be re-constituted and you will be able to a) challenge it's enforce ability for technical reasons and b) ask for an original at the Hearing which they will very likely not be able to provide.

 

So relax, because if you stick up for yourself they will likely back off and go after easier accounts on their system that are not fighting back.

 

The feeling of being in control and not being a victim or a cash cow is great.  Start to enjoy it!!

 

  

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Wow. That’s an incredible result. Well done!

Your friend is lucky to have you fighting their corner.


Pointless to say that I wish I had this knowledge years ago.

For a decade and a half we have accepted that these debts -which stopped us to try to become home owners or even dare to apply for a credit card- will be looming large over us until cleared.


I am so pleased to have found this oasis of hope generated by you remarkable people with such insight knowledge on this site


I am scared but also excited at the prospect of this leading to such a positive outcome as your friend’s.

 

I am bracing myself for the arsenal of tricks these people will throw at me.

 

Let’s see what happens. B:)x

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there are numerous like stories already here in the same forum that your thread is in

might help you to scroll through a read a few.

 

https://www.consumeractiongroup.co.uk/forum/124-debt-management-and-debt-self-help/

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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Oh, I have been, dx. Ever since discovering this place, I’ve been reading voraciously through pages and pages of people’s accounts . You could say I’m a bit obsessed with it. It’s been fuelling me for days.. lol😁

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:rockon:

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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

On 06/10/2020 at 12:08, Bon-ee-bon said:

I am bracing myself for the arsenal of tricks these people will throw at me.

 

Let’s see what happens. B:)x

There won’t be an arsenal of tricks, likely very little will happen aside from a few angry letters.

 

They can get crafty and try ringing from a

legitimate looking number, so that you pick up. I have to answer my phone because it’s possible that it could be a customer. If it’s a DCA I’m always polite and tell them I can’t give out information over the phone, and if it’s important to send it in writing .

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Quick update:

following my letter to Link Financial advising them I will not pay any further due to lack of CCA, I received a response which says that they have placed the case on dispute and will be investigating and come back to me in the next 4 weeks.

 

No acknowledgment of my request to them to stop writing to me as they have no proof of the debt. 


I shall take this as a success nevertheless. 
I’m anxiously awaiting more replies from the rest of DCAs. 
😶

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Quote

No acknowledgment of my request to them to stop writing to me as they have no proof of the debt. 

 

Seriously ? ....you expected them to agree and confirm :biggrin:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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1 hour ago, Bon-ee-bon said:

following my letter to Link Financial advising them I will not pay any further due to lack of CCA

 

or sure where we ever said to send a pointless letter stating they have no cca ....buzz off?

 

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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