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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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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
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Fendy v NatWest - 16K - **FINALLY WON**


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You raid that fridge all ya like enaid,,,,,,,,, I think you are entitled to what with all the work youve put in on your lads claim, Lol Lol. xxxx He wont miss a couple of lagers, Im sure................ Me, Im never ever ever ever drinking again,,,,,,,,,,,,,,(till next time of course), but I have perked up no end today,, The sleep did me good. It is absolutely dark as night here, and ultra wanging it down, I cant believe how crud the weather has turned, but then again, the new turf needs the water, so saves me hose piping it tomorrow instead, lol.............. my last water bill was horrendous, and thing is I just dont remember using that much water, lol lol. Im sure neighbours have their water piped into my supply and my meter in the road in the street in front of the house is clocking up their water useage as well as mine. Its gotta be, thats the only explanation I can think of the later water bill, Lol Lol. Were on a meter you see, I always thought it was a cheaper way than water rates, but Im beginning to question it now, lol lol xxxxxxxxxxxxxxxx

 

Delta, my mum had a staffy and it was utterly mental. Gorgeous, loving, talented, clever, but mental as anything...................... they are lovely lovely dogs................ sincere, loyal, everything I was saying earlier. You sound like you have a little gem there................... aaaaaw puppy eyes, I know that one well..................xxxxxxxxxxxxxxxxx

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Lol............ wot are you two like?? Brill that's what!!! Love ya' both!!!

 

Enaid - yer doing his claim for him - so raid his fridge all you want honey!

 

And Fend........... nowt like a small glass of the old red to clear the hangover and knock you out after a couple of hours!!!!!!

 

D'ya know what - just been thinkin' (Fendy's got me thinkin actually!!!). Had a joint account with hubby up until his bankruptcy with Lloyds (didn't include the account with the bankruptcy as didn't owe much on it at the time) - and it was handed over to their equivalent of credit management services. But do you reckon it's worthwhile sending them an SAR and seeing what's on it? I know for a fact we were hammered with charges for a two year period leading up to hubby's bankruptcy.

 

What d'ya think??? Yay or nay!!!!!!!! xxxxxxxx :D

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Lol........... you've convinced me, you gorgeous gals you!!! In fact, I'm filling in SAR as I type between posts!!!

 

Knew I could rely on you two to boost me up a bit! Where the blo*dy hell have you been all me life!!!!!!!! Luv ya both! xxxxxxxxxxxx :p :p :p

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Blimey have you lot got addicted to winding up financial institutions?

 

Abso-blo*dy-lutely!!!!!!!!! :D :D :D :D :D

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Yes, double yes, with bells on, and triple yes from the official WINDEY UP GALS, lol lol lol. Its so challenging and fun................. xxxx

 

not to mention lucrative, lol xxx

Speaking of which my cheque should be in my hands tomorrow, ooooooo yaaaaaay for the lovely £15,500.00 spondoolies. Theres another reason, 15,500 of em, as to why you should do it. No need to say anything further, if you think you can take em on, do it...................

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£15,500 spondoolies for our winner.......fendy wendy!!!!!!!

And a big glass raised to cobbetts for giving us reason to celebrate for an entire weekend!!!

Been one of the best weekends I've had in ages........ thanks to cobbetts!!!!!!

Woooooooooooo-hooooooooooooooo!!!!!!!!!!!

xxxxxxxxxxxxxxxxxxxxxxxxxxxx

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Hmmm........ if you have a look on the front page, there were 48 peeps viewing this thread. But when you log into it, there's only 3 members and 15 guests! How weird is that!!!! ;)

 

Anyway's.............. here's to claiming!!! Long may it reign!!!!! xxxx :D :D

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Um,,,,,,,,,,,, lots silent bystanders me thinks, lol lol xxxx catching up on Hedge, Fends, and Enaid, having a giggle, and Deltas here too.......... feel free to get a word in Delta when you feel like it, Lol Lol Lol xxxx if ya can hun, xxxx

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She will an' all enaid............ you know what our fendy's like!!!!!!!! She'll hav the camcorder out before you know it!!!!!! xxxxxxxx :D

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get a piccie of it Fendy, you can put it in your next lot of Court Bundles;)

thats the best idea ive heard in ages!!! and it made me laff!!

wonder what happened to sparky? hasnt been on line since she moved out......

id love a staffy i keep looking at the classifieds to see which one ill buy with my lovely money coming soon!

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Yep, lots of silent standbyers, nice to think we're all so interesting isn't it......or is there an ulterior motive ooops lol should we start talking about claims, do y'all think???

 

Cos nothing much is happening with mine on account (scuse the pun) of no cash to file a claim with.....Hedgey is more than halfway there with the finishing post in sight.....Fendy is uber dosharoonied, (do ya like that word, I just made it up, as if you couldn't tell lol), archer is getting there and I reckon next for the spondoolies....

 

is that enough about claims or should we carry on????????

Wendy xxxxx

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lol wendy u never know who is watching! how do the banks know which thread belongs to who? i had a couple of bystanders earlier !

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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