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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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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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kj1123 vs HBOS


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Hi there everybody, posted myself in the other thread and never realised there was a Scotland section!!! I got all my statements through since 2001. I have been reading on this site for about a week now trying to get my head round it all! I calculated all the charges up since 2001 and they came to £2400!

 

I have a few questions that I havent came across the answers for or have got confused. Help is greatly appreciated.

 

 

1 - I have calculated the £20 charges and the £8.50 maintenance charges I have recieved each month together. Are these both allowed to be claimed?

 

2 -Am I correct in saying that I send out the Preliminary letter with the schedule next?

 

3 - How many years can I claim back? Ive seen 5yrs, 6yrs even 20 yrs! Just confused me even more. Do I claim from the 5? yrs to the day of the prelim lettter send out?

 

4 - I also have an overdraft, If I get all the charges back will they reduce my overdraft or even close my bank account?

 

 

I would appreciate anybodys help on these queries I have.

Thanks a lot!

 

 

Think this will be a big donation from me if I win!!!

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Hi there everybody, posted myself in the other thread and never realised there was a Scotland section!!! I got all my statements through since 2001. I have been reading on this site for about a week now trying to get my head round it all! I calculated all the charges up since 2001 and they came to £2400!

 

I have a few questions that I havent came across the answers for or have got confused. Help is greatly appreciated.

 

 

1 - I have calculated the £20 charges and the £8.50 maintenance charges I have recieved each month together. Are these both allowed to be claimed? You can claim all the charges except the £8.50's, they are for your actual account maintenence and will cover any benefits you may receive with your account e.g mob phone insurance, free A.A or whatever.

 

2 -Am I correct in saying that I send out the Preliminary letter with the schedule next? You Send your prelim with a copy of your schedule attached, 14 days later you send the L.B.A with a copy of the schedule, 14 days later it is the court claim. (you also supply a copy with your court claim)

 

3 - How many years can I claim back? Ive seen 5yrs, 6yrs even 20 yrs! Just confused me even more. Do I claim from the 5? yrs to the day of the prelim lettter send out? You can claim 5 years from the day you send your S.A.R (if your claiming in Scotland) or 6 years if in England.

 

4 - I also have an overdraft, If I get all the charges back will they reduce my overdraft or even close my bank account? The chances of them closing your account are very slim (it is seen as a retaliatory action and frowned upon by the courts). The money will probably be transferred straight into your account (reducing ny overdraft you may have) or if in your claim you state so, you could receive it by cheque ( you would need another account to deposit it in)

 

 

I would appreciate anybodys help on these queries I have.

Thanks a lot!

 

 

Think this will be a big donation from me if I win!!!

 

Hope this Helps ;-)

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Just a quick note to say that I have claimed my account maintenance charges of £28 a time as these were only applied to my account when I was charged a penalty charge.

I have questioned these previously and was told they were to cover administration costs when I was charged.

If I were being charged a maintenance charge every month then I wouldn't have claimed this as this would obviously have been an acceptable charge and to do with perks as stevo stated.

As it is the acct maint is a cost incurred directly from charges, which I think would be claimable.

Hope this helps ( and makes sense :confused: )

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Just a quick note to say that I have claimed my account maintenance charges of £28 a time as these were only applied to my account when I was charged a penalty charge.

 

 

Basically in this instance, they have changed the name of the penalty charge to a maintenence charge.

The charge i was referring to, is if you have a select account or a royalties account, or any other account were you get extra services in return for a monthly charge on your account, this charge could be £7, £8.50 even up to £14/month. these charges are not reclaimable.

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