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    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge .............. please fill out the Q&A ASAP. dx  
    • Well done on reading the other threads. If ECP haven't got the guts to do court then there is no reason to pay them. From other threads there is a 35-minute free stay after which you need to pay, with the signs hidden where no-one will read them.  Which probably explains why ECP threaten this & threaten that, but in the end daren't do court. As for your employer - well you can out yourself as the driver to ECP so the hamster bedding will arrive at yours.  Get your employer to do that using the e-mail address under Appeals and Transfer Of Liability.  
    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      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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please delte my account


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Guest stephen

Please delete my account and remove me from any email list

After being a member/ admin/mod of this site from when it first opened, I no longer wish to be associated with it in any form.

My reason have been explained to Bankfodder

Thank you and goodbye.

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It will be done.

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Hmmm...I can't find the 'delte' option ;-)

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a waste of good member there

you have spit your dummy out here i think dave

ps if you delete this post you can have my membership to

[sIGPIC][/sIGPIC]

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Please delete my account and remove me from any email list

 

After being a member/ admin/mod of this site from when it first opened, I no longer wish to be associated with it in any form.

 

My reason have been explained to Bankfodder

 

Thank you and goodbye.

 

If you're still able to reply, just out of interest and for the sake of noseyness, what are your reasons?

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I'm not really a Big Fat Greedy Banker so please don't treat me like one. ;)

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A moderator who hasn't posted in over 4 months?

 

Ok, if you say so.

 

I will explain his reasons.

 

I quoted that if you swore at a moderator in his forum you would be banned without warning as people were up in arms at our moderation of attacks on moderators and that they were going to go to Stephen's site (which I have no problem with, we ARE on the same side after all).

 

go and even attempt to swear or attack a moderator at PC and you will (quite rightly) be banned straight away without warning.

 

PC forum rules:

 

anyone ridiculing a member or making objectionable posts including swearing will be banned ....there wont be a warning it will be effective the minute the post has been brought to our attention.

He claimed:

 

To correct your statements every single person on my site from Admin to Mods to Members are treated the same. If members are rude to Mods they get a warning and if a member is rude to a member they get a warning, if a Mod is rude to a member then Admin sorts the Mod out and if and Admin is rude I sort them out.

everyone on my site is to be treated with respect at all times (its a simple rule i have) no one is just banned without warining

 

His answer to my post was please delete my account.

 

Ok, if you don't know the rules of your own site and take offence at people quoting them, then I will delete your account if you so wish.

 

I think you should think again regarding who's dummy has been 'spit out'.

 

I removed stephen's post to save him embarrasment. He has since changed his rules.

 

Thank you.

 

 

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

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a waste of good member there

you have spit your dummy out here i think dave

ps if you delete this post you can have my membership to

 

I also have no problem deleting anyone's membership if they refuse to abide by the rules of the site.

 

This has been discussed over and over - the rules are there for a very good reason, and instances where the rules have been breached have resulted in serious problems for this site, threatening it's existence on more than one occasion.

 

Do you think your post has breached the rules?

 

I don't and that is why your post has not been deleted.

 

However, if you wish your membership to be revoked for any reason, then that is your choice. Please PM me.

 

We are bound (and paid up members) of the Data Protection Act, and your wishes will be carried out in accordence with the law.

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Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Guest strangewayofsavin

He has no more broke the rule than you dave, I think its time to swallow your pride, and get back to what you do best, and that is helping people understand they have rights, you still have a lot of respect, but it is fading fast, do us all a favor, and get real

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Guest stephen

dave i will not embarrasment you with responding let just say you comments in the chat room were saved .

 

you said enough ;) and i think you should get on with helping your members.

 

 

take care of your slef and best of luck

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Who has broken any rule?

 

Please read the post again, properly this time.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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I welcome you to post anything I have said in your chatroom here.

 

I will not be embarrassed at all. Unlike others, I stand by my word.

 

Anyone who has broken the rules and has put this site in jeopardy will be warned and the post moderated.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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I welcome you to post anything I have said in your chatroom here.

 

I will not be embarressed at all. Unlike others, I stand by my word.

 

Anyone who has broken the rules and has put this site in jeopardy will be warned and the post moderated.

 

i think this is meant to be

 

Anyone who has broken the rules and has put this site in jeopardy will be warned and the post deleted, and slagged off behind closed doors

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Guest strangewayofsavin

I have read many a post were you have gone unmoderated for swearing, and the other week, the way you dealt with willow, was real low, you treated her the same way as you accused others of behaving, the same way as you were willing to say good ridance too. you have to be consistantly consistant.

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I have been nothing but consistent.

 

I have stated that if you do not like a website, then do not use it.

 

Please point me at posts where I have sworn, I think you will find that there are none that have broken the rules of this site.

 

I will say good riddance to anyone who does not respect the rules and who thinks they are above the rules; rules that are in place to protect this site.

 

Willow chose to leave. I wished her goodbye.

 

Please stop attempting to spread more half-truths, as this is the very reason that people are fed up - they believe what people like yourself say with no thought to any evidence.

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Guest strangewayofsavin

No you have not, i have seen many a post when you have used such words a B***ox, B**ger, I was going to prove you wrong but all posts in the bear garden have been removed, very good.

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i think this is meant to be

 

Anyone who has broken the rules and has put this site in jeopardy will be warned and the post deleted, and slagged off behind closed doors

 

Well, I know who you are, and I also know your reasons for causing dissent (look it up).

 

The posts will be MODERATED, and the user warned, and quite possibly discussed behind closed doors to see if ther are going to be a problem in the future or if it was a one-off.

 

It's called, being careful.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Convienient that isn't it. Please read the rules of the site and see if I have broken them. You will find that I have not. I am not the one in question here.

 

The bear garden is closed for the very reasons discussed.

 

I have consitantly reminded everyone of these reasons.

 

You choose not to read them.

 

Please use another site.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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No, as I have repeatedly stated - it's abide by the rules or sod off to somewhere else.

 

We do not need to be babysitting people who cannot understand simple English.

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Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Many of you watching this thread have good knowledge.

 

It's a complete waste.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

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Guest strangewayofsavin

Simple English, that is something I am beginning to think you are not capable of, drop the jock attitude, and sort it out, mod you me and everyone, this is not a selective club, I mean come you have never sworn on cag? , thats not true, you have never offended anyone, I like you and your site, but you are beginning to sound like you think your omnipettant.

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"omnipotent" is the word I assume you mean.

 

My conduct on this site is my business, and I know I have a clear conscience.

 

It's not a selective club. All I have ever done is ask people to abide by the rules, or the site will be in jeopardy.

 

It has been in the past and probably will be put there again by people that think that the site is unable of being brought to it's knees.

 

It's foolhardy and stupid.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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my response in blue

 

Well, I know who you are, and I also know your reasons for causing dissent (look it up).

Dave you need to look up D.I.L.L.I.G.A.F

 

The posts will be MODERATED, and the user warned, and quite possibly discussed behind closed doors to see if ther are going to be a problem in the future or if it was a one-off.

 

It's called, being careful.

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This is another thread going round in circles.

 

Abide by the rules, continue to either get help here or help others, or do not use it.

 

I have answered the posters question and this is seriously off topic - again.

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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