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    • Met are out of order in this new version of their PCN. They show your car arriving and leaving via the ANPR cameras. They then go on to describe this as the parking period knowing full well that since your car still has to drive to a parking space and later drive from the parking space to the exit. How this can be described as a parking period with so much driving involved is beyond me.    
    • I have a similar issue, I was caught shoplifting in M&S last fortnight (which I'm ashamed of) and I received a letter from DWF with the £125 fine and the price of the goods. I've paid the money. The police were not called, but a police letter was sent to a presumed suspect. Will this letter affect the options I choose when applying for a visa (I checked many posts and found no one who has received a similar letter). Is it all over after paying the money? I'm so anxious about it all!
    • I used to go to the Sainsbury's in the Cromwell Road London and my wife used to get PCNs there. I just spoke to a manage onsite and they were good enough to get them cancelled. If you take in the PCN , they photograph it and that is the end of it. Which is what should happen with major companies when their customers are ripped off by the rogues. Are you listening Mcdonalds and Starbucks?
    • I was caught shoplifting in M&S last fortnight (something I'm ashamed of) and I received a letter from DWF containing a fine of £125 and the price of the goods. I've paid the money. The police were not called, but a new police letter was received with a presumed suspect. Will this letter affect the options I choose when applying for a visa? Is it all over after paying the money? I'm so anxious about it all!
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 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
        • Like

Reposession advice - terrified


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Hi there,  firstly you need to work out what you can afford to pay towards the arrears in addition to the normal monthly payment - if the lender does apply for a warrant of possession then the only action you can take is to defend by applying to the court for a hearing to suspend possession and you would need to have offered a payment plan that you are able to maintain.

We also need to know the following:

How much are the arrears?

How long has the mortgage left to run?

Is your primary mortgage up to date?

I can help you with a letter to the lender once you have worked out what you can offer and have answered the above questions.

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Are you making payments towards the arrears on your primary mortgage?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi,   you should fill in the affixed budget sheet - it calculates as you complete it) - as you'll need to send it with your offer letter to the lender.  This will help your case if we have to defend in court as the judge will see you've made an effort to  come to an arrangement with the lender.

Let me know when you have completed it.

Are these mortgages in joint names or just yours ?

I have to go out this evening but will check back with you tomorrow.

Budget Sheet - Blank.xlsx

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Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi,  looking at your budget sheet how much can you afford to pay towards the arrears on the second mortgage in addition to the normal monthly payment?

Have you received confirmation of how much the arrears are?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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