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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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    • 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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    • 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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Egg card agreement has been terminated


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You could try this:

 

Dear xxxxx

 

Thank you for your letter dated xxxxxx.

1.

In the course of preparing a County Court Claim on behalf of your client, ARC (Europe) Ltd, you will have become aware that the debt claimed by your client is disputed by me.

2.

My reasons for disputing the debt, as both you and your client are fully aware, are set out in my letters xxxxxxx inclusive. As you know, paragraph 2.8 k. of the Office of Fair Trading Debt Collection Guidance of July 2003, updated in December 2006, makes it clear that collection activity must cease whilst investigating a disputed debt. I look forward to the results of your investigation.

3.

In the event that the dispute between Egg Banking plc and myself is put before a court for adjudication, I will draw the court’s attention to the following points.

3a

Both you and your client. ARC (Europe) Ltd, although fully aware that the debt is disputed, have continued collection activity in breach of paragraph 2.8k. of the OFT Debt Collection Guidance.

3b.

Both you and your client have ignored and disregarded the fact, of which both you and your client are fully aware, that the debt claimed by Egg Banking plc is disputed by me, and both you and your client have continued to make unjustified demands for payment, in breach of paragraphs 2.6h. and 2.8i. of the OFT Debt collection Guidance.

3c.

Both you and your client have communicated with me in a manner which presents information in such a way that it creates a false or misleading impression, and exploits my lack of knowledge, for example, my lack of knowledge of the law in relation to your own. Specifically, I am referring to your letter dated xxxxxx in which you suggest that the issue of court proceedings may mean that the amount I owe your client will increase. You also state that I can stop the claim being issued and the debt increasing by paying some money to your client. You also state that your client will provide information about my financial affairs to Credit Reference Agencies, and that this may seriously affect my ability to obtain credit in the future. I consider that this amounts to unfair business practice, psychological harassment and a misrepresentation of the correct legal position within the terms of paragraphs 2.2b, 2.3, 2.6f, 2.10a, 2.10b of the OFT Debt Collection Guidelines, and would also be in breach of the Data Protection Act 1998.

3d

I also consider your client’s actions amount to psychological harassment within the terms of section 2.6h. of the OFT Guidelines, in that your client has ignored and disregarded the fact that I have reasonably queried and disputed the debt.

3e

I also consider that the way in which your client has exercised his rights under the agreement amount to an unfair relationship in terms of section 140 of the Consumer Credit Act 1974 as amended by the Consumer Credit Act 2006.

 

 

4.

As the solicitors acting for ARC (Europe) Ltd you will be aware that the credit card agreement between Egg and myself is governed by the Consumer Credit Act 1974, therefore I would be grateful if you would indicate to me the relevant section of the Act which provides Egg with legal entitlement to terminate my Egg agreement with effect from 6th March 2008.

 

5.

In the event that this matter is put before a court I will draw the court’s attention to the manner in which Trevor Munn Solicitors have dealt with the dispute between Egg Banking plc and myself, particularly in relation to,

The Consumer Credit Act 1974,

The Data Protection Act 1998,

The Office of Fair Trading Guidance on Debt Collection and Unfair Business Practices (Updated December 2006),

The Solicitors’ Code of Conduct 2007,

The Credit Services Association Code Of Practice.

I am confident that Egg, or the parties acting on behalf of Egg including yourself, will, as I will, provide to the court full records of the matters to which I have referred, including copies of my letters xxxxxxx.

 

 

 

 

 

 

Yours faithfully

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"My reasons for disputing the debt, as both you and your client are fully aware, are set out in my letters xxxxxxx inclusive"

I have just been writing the templates about where is their legal entitlement to terminate my Agreement. I know I'm sounding stupid (am v tired) - but is this the reason why they should be aware I am disputing the debt ?

 

Dicky - I'm slow today - Do you mean there is a story in the news today about some sort of group action from 1 Jan ?

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thank you...

PS - I have never sent a cca request to Egg. Do you think I should do this now ?

 

I can only tell you what I would do/have done.

My experience is that it wont really be useful to your case. - Egg will just send you a copy of your agreement. It may well have certain technical irregularites, but it will be of a sufficent nature for Egg to put to a court.

I contrast with, for example Halifax or Morgan Stanley, who usually cannot provide a proper copy, if they do it is usually unreadable (which is illegal), so there is usually some useful stuff to be obtained from asking Halifax or Morgan Stanley for CCA.

But in your Egg situation (same as mine) the matter totally revolves around Egg's unlawful termination of your Egg credit card agreement. I suggest you totally focus on that. Egg cannot get around it.

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"My reasons for disputing the debt, as both you and your client are fully aware, are set out in my letters xxxxxxx inclusive"

I have just been writing the templates about where is their legal entitlement to terminate my Agreement. I know I'm sounding stupid (am v tired) - but is this the reason why they should be aware I am disputing the debt ?

 

No. The reason I hve put that bit in about "My reasons for disputing the debt, as both you and your client are fully aware, are set out in my letters xxxx inclusive" is a bit tongue in cheek -Im sort of having a little joke at their expensive - you might as well get as much humour as possible out of these situations!

The point is this: Although I have said " as you and your client are fully aware", in fact I know that they wont be fully aware, in fact they wont be aware at all what are my (i.e. your) reasons for disputing the debt. - because I am 99% certain that they will not have copies of the letters I (i.e. you) have been writing since Egg terminated my (your) agreement.

Do you see the difficult and embarrising situation that puts them in? When the read the letter, they will suddenly realise that they dont actually know what the dispute between you and Egg is actually about. All they know is that you have told them - in no uncertain terms - that there is a dispute between you and Egg. If they write to you asking for further details of the dispute etc. - just refer them to the letters. Say it is all contained in your letters. It is'nt your problem that they havent got copies of them, and that they actually dont really know what the dispute is about.

Well I find it amusing anyway.

 

That is the same reason that I ended the template letter sayin that I have full confidence that if the matter goes to court, I am sure that they, as I will, will be able to provide full copies of my letters to the court. Again, I am 99% certain they wont have any copies of the letters!

Can you see the awkaward situation they potentially are in if they want to take it to court?

 

If you dont understand what I mean, tell me and I will try to explain it a bit better.

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Ok. I get it. I guess then that I should maybe put in a date range, "as set out in my letters to Egg from Oct 08-Nov 09 inclusive, for example. Rather than adding "as set out in my 2 last letters sent to Arc in Sept and Nov.

Am about to draft and print, ready to go to PO tomorrow...

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Ok. I get it. I guess then that I should maybe put in a date range, "as set out in my letters to Egg from Oct 08-Nov 09 inclusive, for example. Rather than adding "as set out in my 2 last letters sent to Arc in Sept and Nov.

Am about to draft and print, ready to go to PO tomorrow...

 

That correct. You've got it. Include reference numbers of every letter right from the beginning of the dispute. But dont tell them what is in each letter. -We know they have'nt got any of them, but that is not your problem. Act as if you believe they are very professional and totally competent and have kept careful records of all your correspondence. Of course, we know they haven't got any copies at all, and they dont know what your complaint is really about, They dont understand your legal questions, and they are relying on bluffing and bullying you. They cant believe that you actually might understand the legal position and the CCA. In other words they think you are stupid and frightened and are an easy target for them.

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Well this is interesting ! confusing !

 

Today I have had a response from ARC to a letter I sent 1 week ago. It appears that they have completely ignored me (and my reply to Munn solicitors has crossed in the post).

 

I sent a letter to ARC saying "I was concerned they had chosen not to provide a response to my questions .... where is the section in the CCA 74 which allows Egg to terminate my agreement" etc etc

They have replied:

"Our client (egg) has requested that you write to their Customer Relations Office to resolve your dispute.

We are instructed that the above balance remains outstanding and must be paid." Payment to be sent to ARC, full financial statement etc within 14 days or passed back to Trevor Munn....

I had already received a strong threatening letter from solicitors Trevor Munn a few days ago. I specialed a letter to them yesterday, as outlined in a post on the last page.

 

So what to do now ? Wait for a reply from the solicitors ? Write to Egg ?

I have not written anything to Egg since last year. Just been dealing with the various dcas and now solicitors.

I am obviously being given the run around. With ARC dca and Munn solicitors writing to me it is confusing to know who to now respond to. Now ARC say I should deal directly with Egg.

SO WHAT IS BEST !!! ???

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They have replied:

"Our client (egg) has requested that you write to their Customer Relations Office to resolve your dispute.

We are instructed that the above balance remains outstanding and must be paid." Payment to be sent to ARC, full financial statement etc within 14 days or passed back to Trevor Munn....

 

Is this a direct admission that even though the account is in dispute but they are continuing collections?

 

FTD

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This is what I would send;

 

Dear xxxx

 

Thank you for your letter dated xxxxx.

 

I will be in a position to respond to the points raised in your letter after ARC has provided me with a response to the points raised by me in my letter dated xxxxxx which was delivered to ARC by Post Office Special Delivery on xxxxxx.

 

I am very concerned that ARC has chosen not to provide a response to the points raised by me in my letter.

 

As ARC will be aware, the main point raised by me In my letter is that I have requested ARC to indicate to me the relevant section of the Consumer Credit Act 1974 which provides Egg with entitlement to terminate my Egg Agreement with effect from 6th March 2008. To date both Egg and ARC have failed to provide me with the information I have requested. I consider that my request is very clearly understandable and is directly related to Egg's decision to terminate it’s contractual agreement with me with effect from 6th March 2008. As stated previously, as soon as ARC provides me with the information I have requested, I will be in a position to respond to the matters which have been raised by ARC in it’s letters dated xxxxx.

 

In the event that ARC has lost my letter I enclose a copy with this letter.

 

In the event that the dispute between Egg Banking and ARC and Trevor Munn Solicitors and myself is put before a court for adjudication I will ask the court to make an order under Section 140 of the Consumer Credit Act 1974 in respect of the way in which Egg and ARC and Trevor Munn Solicitors have exercised their rights under the terms of the Egg Agreement between Egg Banking and myself.

 

In particular, I will draw the court's attention to the following matters.

 

1. Egg and ARC and Tevor Munn Solictors have repeatedly chosen to ignore my requests for information as outlined above and as requested in my letter dated xxxxx.

 

2. I will draw the court's attention to the tactic being employed by ARC used whereby I am being asked to deal with ARC and Egg and Trevor Munn solictors simultaneously. Each of the parties I have named are engaged in debt collection activities in relation to my Egg Agreement. For example, ARC, although claiming to be authorised by Egg to act on behalf of Egg in respect of the dispute between Egg and myself, has, in it's letters dated 29th October 2009 and November 17th 2009, advised me to direct my enquiries regarding the dispute to Egg. At the same time I am, as you will be fully aware, receiving letters from your solictors, Trevor Munn.

 

As you and Egg and your solicitors, Trevor Munn, will be fully aware this is clearly in breach of the Debt Collection Guidance issued by the Office Of Fair Trading which, in Section 2.6c, prohibits the use of more than one debt collection business as the same time.

 

In respect of these matters, and others, I will request the court to determine if the relationship between Egg and myself arising out of my Egg Agreement, and the way in which Egg and ARC and Trevor Munn Solicitors have exercised their rights under the Egg Agreement, has created an unfair relationship between Egg Banking and ARC and Trevor Munn Solicitors and myself, and i will request the court to make an appropriate Order under Section 140 of the Act.

 

Yours faithfully

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I'm glad you noticed the Monument thing - that is because I am having a dispute with them as well. I get them mixed up!

 

By the way, although it looks similar, it is not the same letter as you sent to Trevor Munn.

Read it carefully, and you will see something new. i.e the matter of being asked to deal with Egg and ARC and Trevor Munn all at the same time is not allowed by OFT Debt Collection Guidelines.

Regards

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I did not read it thoroughly - will do so later. In the middle of a complaint to Thames Water ! Battling everyone at the moment. And it feels very good to be dealing with them all head on, with a knowledgable base built from CAG :)

But thank you for this insight. It is so useful. Will deal with this demain...

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