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    • 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.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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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 
      • 81 replies
    • 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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If no notices or statements have been sent under ( I think) S86 on an outstanding PDL does this bar them from adding any interest and charges.

 

Situation being

 

Took out a minicredit loan stating I was in receipt of benefits (got screen shots to prove that)

My credit file was clearly shot , frankly I wouldn't have lent myself 10p let alone £200

Failed to pay, debt went from £220 to over £1100 in a matter of weeks ( it took me a few weeks to contact minicredit because I had more pressing personal issues)

Serious harassment from MC

Defaulted me but amount on file was c £700

 

Last letter I wrote to them was rather strongly worded and is possibly on here somewhere

 

Have been getting phone calls and texts from OPOS , offering 50% discounts but nothing to say how much

 

Today received a letter stating I owe 1361.20

 

The last communication I had from minicredit was in late 2012 and did not receive a NOA, in addition just before they went belly up the amount owed on my credit file nearly doubled, I suspect in order to inflate the 'book' value of the debt

 

I have all the letters and emails from them although it will take some time to get them into chronological order

 

Any thoughts, do I tell them I have no NOA and to bugger off or do I ignore. My preference atm is just to ignore

Any opinion I give is from personal experience .

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  • 1 year later...

Further to the above

In May 2015 I sent OPOS two letters regarding a minicredit loan

One was a prove it letter

The other was headed formal complaint regarding telephone harassment and listing my home phone number and mobile. This was well over a year ago and I did not receive a reply Since then , very occasionally I receive phone calls from OPOS. I can not tell you the frequency but must be less than one a month. Unfortunately I can not prove that the letters were sent by post although I do have an email in my sent folder that shows the letters were sent to three different email addresses at OPOS

 

When minicredit quit the PDL market I did not receive any notification at all and did not receive any immediate contact from OPOS/Kapama , as a result I sort of assumed that mine was one of the accounts that was written off.

 

I wonder if anyone has any thoughts as to what I should do next , I am sort of reluctant to raise the stakes as the phone calls are less than monthly - I can't be 100% sure because i do not spend much time at home , also during our communications when minicredit were still active they accused me of fraud in my application because I stated that i was single and later wrote to tell them my wife had died - we had been separated but on the whole close for many years, in fact I was her de facto carer. I do have a screen shot of my application where i said I was on benefits.

the last date of written acknowledgement may well have been about August 2012 so no where near SB

Any opinion I give is from personal experience .

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Fletch ... OPOS dont know their arse from their elbow.

Example...

 

Fraud for me in 2011 / 2012... Account written off and Minicredit confirmed it before they went under. OPOS Took the debt and begun hounding me. Before MC went under they told OPOS that the acocunt had been written off.

From then on things got hairy until as recently as June this year.

 

Every year OPOS mark my file with the account details even though they verified that they had written off the account on their system. I got £200 compo from them earlier this year when they deleted the CRA entry for a 3rd time.

 

This shows you that Kapama are terrible in the way that they deal with things.

 

Fletch - these debts dont go near court. Dont stir the hornets nest. However if there calls etc are causing you distress, you are entitled to have communication in writing only. I have a couple of contacts at OPOS that you might be interested in. But choice is yours, is it causing you harm and distress?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi Thanks

 

As you say, don't stir the nest. The phone calls are not often, yesterday I went through all my inbound calls in my phones memory and could only find 1 but as i am on the 'mugs' list for the Windows helpdesk, talktalk help desk, BT helpdesk, accident helpdesk they probably only go back a month.

 

The account used to be on my credit file but since minicredit went under it certainly doesn't appear on clearscore or noddle , I am going to try the new free one from experian as well

Any opinion I give is from personal experience .

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  • 4 months later...

Hi Fkofilee

 

An update

 

Last Friday i answered the phone to OPOS- told them the dates of the letters sent and to whom I sent them to, directors I think. There was a very quick apology and he hung up.

 

Today I have had two calls, first one I missed and the second I spoke to a Caitlan - got put through to a supervisor who wouldn't discuss it until I did security, which of course I refused and hung up

 

Its not much of a bother TBH as I am rarely at home during their office hours apart from a Friday - I guess the telling time will be the start of the easter break ( 5 long weeks) when I will be at home at least for the first week as the OH is away.

 

It is just annoying but I am better to wait until mid 2018 before I kick up a fuss

 

It is odd that they do not report to CRA's , or don't seem to although mini credit did

Any opinion I give is from personal experience .

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  • 5 years later...

Hi

Yesterday I received a text from OPOS with an amazing offer of a 75% discount - however the last communication I had with them in writing was in May 2015 and one accidental call in June 2016. I don't answer my phone at home- in fact I am rarely there but will have a quick look for possible calls next time I'm home.

 

I thought this was long ago a Norwegian Blue- I even accessed an old email address and they have not been in communication

 

I guess its an ignore 

Any opinion I give is from personal experience .

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as noddy said - it's Christmas!!

 

 

  • Haha 1

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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Damn thats a blast from the past. 

Yeah ignore. I have OPOS on linkedin and they give out £1000 prizes every month to their staff... 

Guess that money comes from somewhere... 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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