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    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the fine dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, so I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant   1 Date of the infringement 24th May 2024   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024   3 Date received 5th June 2024   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N   5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land.   6 Have you appealed? [Y/N?] post up your appeal] N   7 Who is the parking company? MET   8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE   For either option, does it say which appeals body they operate under. POPLA Anyway, I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Robert Dyas missing parts in gym equipment order ..debit card dispute & return of item..


Salford lass
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they dont have a clause dx in their returns policy i've already checked that before responding.

 

They're only charge is if they attempt but the goods aren't available

 

see:

WWW.ROBERTDYAS.CO.UK

Free Standard Delivery on Orders over £50. Free Nationwide Click & Collect.

 

Edited by jk2054

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They may have 30  days to respond,  but visa can take up to 2 months to decide

Also to add to what I previously said, call lloyds and ask if your dispute has been successful and closed.

They wont always tell you when its been processed but if you call and they say it was successful, then I'd say you are safe to dispose of the goods as you've got your money back

a chargeback decided in customer's favour can't be reversed

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15 hours ago, jk2054 said:

They may have 30  days to respond,  but visa can take up to 2 months to decide

Also to add to what I previously said, call lloyds and ask if your dispute has been successful and closed.

They wont always tell you when its been processed but if you call and they say it was successful, then I'd say you are safe to dispose of the goods as you've got your money back

a chargeback decided in customer's favour can't be reversed

Are you 100% certain of that?!?!?!   😲

I don't believe the OP can just dispose of it - he can't just send it to the "scrappers", which I think he wants to do(?).

If he wants to "dispose" of it he will need to sell it, and to do so he will have to give appropriate notice to Robert Dyas of his intention to do so, as prescribed in the relevant legislation.  He will also have to adopt the best method of sale reasonably available in the circumstances, and pay the proceeds (less any costs of sale)  over to Robert Dyas.  He can't just sell it at "mate's rates" - it has to be a fair price in the circumstances.  I suspect that might not be strightforward.

See s12 "Bailee's power of sale" here:  Torts (Interference with Goods) Act 1977 (legislation.gov.uk

 

What the OP needs to do is get Robert Dyas to collect it pronto.  Whether threatening to charge them storage would (1) speed them up or (2) be enforceable, I don't know...

Edited by Manxman in exile
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I deal with charegbacks for a UK bank for a living and I've never heard of any company chase the consumer after a dispute has been decided in their favour.

Therefore yes I'd say he's safe to dispose of it after his dispute is decided in his favour. However as I already said I'd recommend him to file for ADR as I believe that would be his best route forward. 

 

 

 

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My understanding of a chargeback is that the money paid by the consumer to the seller is recovered from the seller and returned to the consumer.

That suggests to me that ownership of the goods would revert back to the seller, and the consumer is left in the position of being an involuntary bailee of the seller's property.

Are you suggesting that the consumer can dispose of the seller's property in any way they like (eg scrap it) and they wouldn't be accountable to the seller for its reasonable market value?

I don't think this has anything to do with the chargeback process or how banks decide disputes, it's a legal question about who owns goods that have been subject to a chargeback.  I don't think any agreement with or between Mastercard and Visa overrides the law of the land.  Like @dx100uk at #12, I'm thinking your advice might be mistaken...

I think I'd advise @Salford lass to see what others think about this before disposing of the gym.

Edited by Manxman in exile
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No you’re not right there.

A chargeback has no affects on the ownership of goods, it only has relation to the funds.

For cases with damaged goods the policy that we have is that customers must notify the merchant and provide the merchant the opportunity to collect the damaged goods.

If the merchant doesn’t collect them within 14 days but can deliver the same goods within this period and they are anything bigger than a small parcel (45x30x20) and 2kg we can file a chargeback.

 

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just type gentleman no need to keep hitting quote.

this item is worth several £100's

the bank cant decide nor make comment upon if a consumer can dispose of it.

the goods remain the property of the retailer, however they are in the safe hands of the consumer, whom has no right to dispose of them without written permission for something of that value.

you need to write as i've advised twice now to the retailer stating from XX date you will be charging £xx per week or day for storage costs.

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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I’ve already written to them 14 days notice to come and collect the item,that was 4 weeks ago ,the item can’t really be sold as it’s missing 2 specific parts and one part being a large block that holds the weights on and so would be dangerous to use it

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but not with any incentive to get a move on...re charging storage costs?, which you are entitled to charge.

 

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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On 26/06/2023 at 02:01, dx100uk said:

if they want it back they have to arrange collection at their cost, else you'll start charging daily storage fees...

over a month ago.

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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This is what I sent

Order number

Description-homcom muti home gym machine with 45 kg weight stack

Item received on 9/6/23

1st contact with you on 9/6/23 to report missing parts

Auto generated email received saying you would be in touch in 72 hours

You made no contact

Contacted you via twitter on 12/6/23

Received another auto generated email on 13/6/23

No attempt was made by yourselves to rectify this situation

I'm giving you 14 days from receipt of this letter for you to arrange collection of your goods.

After this date I will consider this item to have been abandoned and I myself will arrange it's disposal

Regards

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you can't.

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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17 hours ago, Salford lass said:

After this date I will consider this item to have been abandoned and I myself will arrange it's disposal

 

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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So today I went in the bank and asked them if the dispute was closed and did I win.they said yes and yes,still had no contact of Robert Dyas now nearly 5 weeks since I sent the letter requesting them to come and collect so tomorrow I’m putting it out for the scrappers to take

thanks for all the help

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