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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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      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.
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Think i've messed up big time **DEFENCE & C/C STRUCK OUT** WON**


Kazzie
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fingers crossed! got everything crossed Kazzie:D hope like GaryH said in post 16 through their ineffeciancy it gets struck out or off where :pever it go's .

Will be watching your thread with bated breath, all the best.

 

Thank you Remus i appreciate it. I wonder if your finding it as difficult to type with everything crossed as i am :grin:

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We've been successful in helping a vast many people who had previously been to the CAB and found them to be utterly toothless.

 

Unfortunately that has been my experience as well. I appreciate Gladstanes advice but on two occasions on two different subjects i have been to my local CAB, and on both occasions i came out deflated and none the wiser.

I know they mean well but they didn't seem to have the knowledge (or the inclination to gain it) to offer any meaningful advice. Indeed on both occasions i knew far more on the subject and had to enlighten them.

 

On that basis i think i'll give them a miss. I can almost certainly gain far more help and specialist knowledge on this site, and if i have to go into battle i can do without someone that will stop on the way for a picnic :grin:

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Yes, it certainly would'nt hurt.

 

Also, regarding the media, I've just noticed this announcement which could be of interest - http://www.consumeractiongroup.co.uk/forum/announcements/4/85/center-itv-problems-debt-83.html

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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GaryH - I cannot access that page.

 

As you rise up you forget about us at the bottom of the heap, that do not have your privileges.:p

If I have been helpful please click on my star and add a comment.

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lol:D

 

You should be able to though - its a general announcement. Have a look at the top of the forum - "ITV needs volenteers" I think?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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GaryH - Your link address is slightly different, it contains in the middle 4/85 as oppose to 3/11.

 

The 4/85 must be special for those who have made it.;)

 

Anyway just for for Kazzie, here is one that can be accessed by us lowly people (no offence Kazzie):

http://www.consumeractiongroup.co.uk/forum/announcements/3/11/center

-itv-problems-debt-83.html

 

Sorry cannot resist it, I have refrained from this type of childish behaviour for too long.

 

It is out of my system now and that is the end of it.

 

By the way I will email over the amended Statement of Evidence in the next couple of days.

If I have been helpful please click on my star and add a comment.

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I really think as Gary says above you should explore every avenue.

 

Hi nicsussex

 

Please don't imagine i take the decision lightly if i decide not to follow a particular piece of advice given to me.

I appreciate all constructive advice given, and am only to aware of how much i need it! I have no experience of claiming back bank charges but i do have a lot of experience of the CAB (and so far they have never been of any help). I have been through a bankruptcy, a re-possession and 2 appeal processes relating to other matters (both of which i won), so i do have some idea of how these things work and of what advice is out there.

 

Yes, there is a tiny possibility that they may be able to help me, but the reality of the situation is that i don't have much free time in the next 2 weeks, and this time is best utilised by exploring avenues that are able to offer me more specialised advice as opposed to the more general advice that the CAB are trained to give. I really do think i've made the right decision on this one.

 

Thanks anyway for your advice. This is a brilliant site with a real buzz to it, and i'm amazed at the sheer amount of information and well informed advice it provides. Thank goodness i found it in time! :-)

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Court wrote today with copy of Lloyds defence and Part 20 counterclaim. I rang the court again and they said Lloyds paid the £100 fee yesterday. They hadn't paid when i rang yesterday morning, so they must have paid it later on in the day :(

 

 

Oh well, back to the business of my defence i suppose. I've now got 5 days to complete AQ and get a defence together. I've thrown the husband out, put the children up for adoption and have just shot the dog. Hopefully this means i can get on without any distractions.

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you either laugh or you cry! keep your pecker up Kazzie;)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Am in the process of getting everything together for the court, with the intention of submitting in on Tuesday.

I would appreciate it if someone could please confirm that i've got things right. I may well have to add to this before i take it in (concerning defence to the Counterclaim) but i want to be sure of what i take so far, and if i've missed anything.

 

1) I should take 3 copies of each of the following in with me;

 

1) Schedule

2) N244 (as i need to file an amendment to my particulars of claim)

3) Claim form (N1)

4) Section G - other info (as part of the AQ)

5) Draft Order for Directions

 

Plus

The AQ, £100 for the AQ and £35 for N244

 

2) I should attach 'Section G - other info' to the AQ followed by the Draft Order.

I should attach the N1 to the N244 and the Schedule and give these in separately to the AQ.

 

3) What, out of the above, should i send to SC&M (the solicitors)

 

4) In the top right hand box of the Application Notice (N244), there are sections that ask for claim No. etc.

There is also a section to be filled in with Claimants ref. and defendants ref. What should i put in these?

 

5) Should the date i put on the bottom of Section G of the AQ be the date i intend to take it to court?

 

6) On the N1 claim form under the 'Value' section i have listed the items that were suggested with the N1 template. I've put the 'Court Fee' section down as £120 and am now wondering if i can add the £100 AQ fee to this and make it £220?

 

7) I sent SAR and the CCA request off last Saturday - by recorded delivery. I sent it to the 25 Gresham Street address. I've just seen a recent post where a different address is given. Will it make any difference to anything if i've sent it to the wrong one?

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Bump............please forgive bumping, i've only got tonight or Monday afternoon to do this bit and was hoping to do it asap. I presume everyone else must be trying to get things tied up for the weekend as well!:-)

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Hi Kazzie, the date is the date you signed it, ie todays date.

was going to answer your 2nd question, but i'm not 100% I think no, (happy to be corrected;) ) but if you are handing it in ask at the time. don't stress :)

post 39 q7,I read some where that it gets past on to the correct department.

Happy claiming:D

read read and read some:p more

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Am in the process of getting everything together for the court, with the intention of submitting in on Tuesday.

I would appreciate it if someone could please confirm that i've got things right. I may well have to add to this before i take it in (concerning defence to the Counterclaim) but i want to be sure of what i take so far, and if i've missed anything.

 

1) I should take 3 copies of each of the following in with me;

 

1) Schedule

2) N244 (as i need to file an amendment to my particulars of claim)

3) Claim form (N1)

4) Section G - other info (as part of the AQ)

5) Draft Order for Directions

 

Plus

The AQ, £100 for the AQ and £35 for N244

 

Yep

 

2) I should attach 'Section G - other info' to the AQ followed by the Draft Order.

I should attach the N1 to the N244 and the Schedule and give these in separately to the AQ.

Yep

3) What, out of the above, should i send to SC&M (the solicitors)

The lot

4) In the top right hand box of the Application Notice (N244), there are sections that ask for claim No. etc.

There is also a section to be filled in with Claimants ref. and defendants ref. What should i put in these?

The ref. is not important, although it can be found on the notice of issue, acknowledgement, etc.

5) Should the date i put on the bottom of Section G of the AQ be the date i intend to take it to court?

Yep

6) On the N1 claim form under the 'Value' section i have listed the items that were suggested with the N1 template. I've put the 'Court Fee' section down as £120 and am now wondering if i can add the £100 AQ fee to this and make it £220?

No - just the issue fee. The fee's will be returned in settlement anyway.

7) I sent S.A.R - (Subject Access Request) and the CCA request off last Saturday - by recorded delivery. I sent it to the 25 Gresham Street address. I've just seen a recent post where a different address is given. Will it make any difference to anything if i've sent it to the wrong one?

No, as long as you sent it to Lloyds TSB address, it'll get passed to the correct department.

 

I'll PM you in a minute.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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To enable me to reply to Lloyds Counterclaim, have sent off a revised SAR/CCA request this morning by recorded delivery (as advised by GaryH).

 

This mentions that the matter is now the subject of legal proceedings and that they are obliged to disclose the details under the Civil Procedure Rules, and have given them 10 days to respond.

Will be taking AQ and amended particulars of claim to court tomorrow hopefully.

 

Now its just wait and see i suppose.

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You'll still have to file the defence on time though, if that is still the route you wish to go down.

 

Its not actually a full defence, you are requesting a stay untill they furnish the agreement.

 

Hopefully, Lloyds will not be able to produce the agreement, although this does seem unlikely as its fairly recent. The other thing you may be able to capitalise on is that if the agreement is not properly execuited.

 

It also may be the case that they back off when they see your intending to defend it.

 

Obviously if they produce a 100% valid agreement you would have to reconsider your position.

 

As I've mentioned previuously in this thread, remember that you are likely to be in the fast or multi-track, so this obviously carries costs exposure if you were to lose.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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You'll still have to file the defence on time though, if that is still the route you wish to go down.

 

Its not actually a full defence, you are requesting a stay untill they furnish the agreement.

 

 

 

Hopefully, Lloyds will not be able to produce the agreement, although this does seem unlikely as its fairly recent. The other thing you may be able to capitalise on is that if the agreement is not properly execuited.

 

It also may be the case that they back off when they see your intending to defend it.

 

Obviously if they produce a 100% valid agreement you would have to reconsider your position.

 

As I've mentioned previuously in this thread, remember that you are likely to be in the fast or multi-track, so this obviously carries costs exposure if you were to lose.

 

Thanks for the defence Gary, got everything i need for tomorrow now, and thanks for pointing out the risks.

As i'm requesting a stay should i still submit the 'Draft Order for Directions' and the 'SectionG - other information' (with the AQ), or does this not make any difference?

One other thing, i take it that i should attach the 'defence to counterclaim' to the AQ, and list this in Section G as, wait for it........'defence to counterclaim'. Sorry for being dumb! :?

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Thanks for the defence Gary, got everything i need for tomorrow now, and thanks for pointing out the risks.

As i'm requesting a stay should i still submit the 'Draft Order for Directions' and the 'SectionG - other information' (with the AQ), or does this not make any difference?

Yes, you can still request the draft.

One other thing, i take it that i should attach the 'defence to counterclaim' to the AQ, and list this in Section G as, wait for it........'defence to counterclaim'. Sorry for being dumb! :?

 

Don't attach the c/c to the AQ - submit it seperately. Did you receive any sort of response form from the court with the counterclaim? If so, submit the c/c attached to that.

 

So you've got;

 

1) Counterclaim

2) AQ, draft order, and section G attachment, £100 fee

3) N244, new POC, schedule, £35 fee

 

Obviously if you qualify for remission or exemption you will not have to pay the fee's - you'll have to fill in the appropriate form instead.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Don't attach the c/c to the AQ - submit it seperately. Did you receive any sort of response form from the court with the counterclaim? If so, submit the c/c attached to that.

 

So you've got;

 

1) Counterclaim

2) AQ, draft order, and section G attachment, £100 fee

3) N244, new POC, schedule, £35 fee

 

Obviously if you qualify for remission or exemption you will not have to pay the fee's - you'll have to fill in the appropriate form instead.

 

Ok, i've got it, thanks for making it so easy to understand, as usual :)

 

Court sent a cover letter quoting Case No. and saying 'Please find a copy of the defence and part 20 claim recived at the court on 24 April 2007.'

I'll submit it to that then.

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Can anyone please help me with this question before i take it to the court today?

Have filled in section G of the AQ saying please find attached 1) Section G - other information and 2)Draft order for directions. Have also followed the advice on template saying to add on bottom of section G

'This allocation Questionnaire and its attachments were sent to the defendant on **/**/**'

Am now just wondering how i send AQ to Defendant as well as give it to the court, Should i photocopy the AQ so i have 3 copies of that as well? :-?

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