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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.
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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.

      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.

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      Many thanks 
      • 81 replies
    • 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.

      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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drjimbo Vs HBoS Encouragement needed


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Having spent time looking at old threads etc i would like some advice and encouragment as to my course of action.

 

Sent my 'Statement Request' letter in late March.

Cheque was cleared 13th April.

As of today no statements, reminder sent today.

 

Estimate charges to total £2-3k

 

Next step send the required letters

Once deadline of LBA letter past/final offer recieved contact FOS.

 

Does this sound like i've got things in hand or am i way off the mark???

 

Thanks in advance

 

:???:

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Looks good to me.

 

Stick to your own timetable and don't le the bank delay you.

 

Regards, Rooster.

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Having spent time looking at old threads etc i would like some advice and encouragment as to my course of action.

 

Sent my 'Statement Request' letter in late March.

Cheque was cleared 13th April.

As of today no statements, reminder sent today.

 

Estimate charges to total £2-3k

 

Next step send the required letters

Once deadline of LBA letter past/final offer recieved contact FOS.

 

Does this sound like i've got things in hand or am i way off the mark???

 

Thanks in advance

 

:???:

Keep pressing re the statements - if they are outwith the 40 days then complain formally to the information commissioner (although this does take time for them to write to halifax and get a response). Halifax now seem to be taking a tougher stance so you'll get a KB at prelim letter stage and a 50% offer at LBA - phone them at this point and negotiate - make it clear you'll accept nothing less than full refund. If they wont agree then take court action and they normally pay out quickly with 8% interest. Stick to the rules and you'll get there in the end.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Am going to go with FOS as charge total £2k+, when sending the prelim and LBA letters do i threaten with court action or with FOS?

Court action - if you dont then halifax treat the claim in a different less favourable way.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Have spent the night in the attic looking out old bank statements, am only missing three out of the last five years. Totalled the charge on the ones i have (£3300), do i wait for the missing ones or can i go ahead with maybe 1 or 2 missing? Quite happy to go for £3300. :D

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Why are you not going for the full amount? After all, it IS your money that they have half-inched!!!

 

I'm going the full way! If you look at my thread (Dusary vHBoS) - you'll see how much they have removed from my 2 accounts over the past 6 years.

 

Goodness only knows what they have taken BEFORE that - I'm awaiting my full banking history.

 

I'm not sure about Stornoway's comment, though.

 

Since we are in Scotland and are way over the financial limit for the Scottish Courts, are we not best to wait until we receive the bank's "This is our full and final offer - push off kiddo' " and THEN go running screaming to FOS?

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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in your letter you MUST use the templates in here which threaten court action. If you do that then Halifax will;

- offer nothing at prelim

- 50% refund at LBA

- they will be prepared to negotiate upwards following LBA to a max payout of 100% of charges

- if you launch court action they will pay out fairly quickly.

 

If you have to go to court you can do it in england as i have done by using an english correspondence address. I opened a mailbox with "mailbox etc" in preston and put this address on the claim docs - all docs then get posted up to me.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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  • 3 weeks later...

you can send the LBA now, if you sent the template prelim, you will notice you have said to them

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect.

 

which states quite clearly the time limits, they have responded in a negative manner therefore you can send the LBA ;-)

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Take Stornoway's advice!!

 

He/she knows what they are talking about - believe me!

 

And stevokenevo's as well!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Wait for the 14 days as you have said that you will give them 14 days to accept unconditionally. Then send the LBA. They could have, unlikely, a rethink within the 14 days? Just keeps things all neat and you know you have complied and been reasonable.

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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