Jump to content


  • Tweets

  • Posts

    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

No response top CCA letter


lgtgar
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6144 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I hope I'm posting this in the correct place, still new to this. I sent a CCA letter to AA Finance for a loan I have following a number of issues. I duly waited the 12 days, and then waited a further 40 days and I have received nothing from them.

 

I have read numerous threads which say that the debt is unenforceable if they don't produce the copy of the agreement but can anyone help me as to what I quote in a follow up letter to them and do I stop paying them anything - at the moment I am paying reduced payments.

 

I know I should also report this to Trading Standards and I have got a copy of a form to fill out to do this.

 

Please any help would be apreciated.

Link to post
Share on other sites

You are quite right that the debt is now unenforceable and there is no need for you to continue payment-even reduced ones.

 

Bear in mind that should they produce the agreement at a later date they may

be able to reinstate the debt. In the meantime, if they have registered a

default against you,they should remove it.

 

You can also report them to Trading Standards for a breach of the CCA. But

it is often better to trade with them for the removal of defaults etc [or an

undertaking not to pursue at a later date even if they do find the agreement] rather than reporting them, since while they may attract a criminal record and a fine

of up to £2500, it is of no help to you in getting what you want.

Link to post
Share on other sites

Thanks, that does help in deciding what to do. Next step then I'll send a letter advising of the offence committed and attempt to trade.

 

Hopefully, I'll get a response to this letter.

Your help is appreciated.

Link to post
Share on other sites

If you don't get any joy with initially negotiating with them on not supplying you with the CCA, you may also wish to point out to AA Finance that you now do not believe they have kept a copy of this agreement and are currently considering reporting them to HM Treasury for a breach of The Money Laundering Regulations 2003. This is a more serious offence than not providing you with a copy of the credit agreement when requested.

 

But wait and see how they respond to your initial approach before using it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • 1 month later...

Wow this is frustrating. I am on reduced payments through the CCCS to help gain control of my debt. I have received no reply at all to my CCA request and sent a follow up letter which I have had no response to either.

 

Soon after sending the CCA request I got a letter from a debt collection agency saying the debt had been transferred to them. The CCCS wouldn't transfer the debt to them and my monthly reduced payments have continued to go to AA Finance. When I received a telephone call from the debt collection agency I explained the account was in dispute and heard nothing for a couple of months. In the meantime AA failed to provide the required paperwork and I rang the CCCS and asked them to stop payments to AA - they refused! Even after insisting I wanted no further payment to be made they said that as I was making payments that was in itself an acknwledgement of the debt and I would never win in court. I did explain that as long as payments were being made AA would never provide what was requested, they advised me instead to complain to the ombudsman and OFT etc and I may receive compensation, they felt this was my best option.

 

I have today received another phone call from the debt collection agency who have said that since i have paid no payments to them the next step will be a knock at my doo, I explained that token payments had been made direct to AA Finance but they said that since no payment was made to them the threat still stood.

 

Please can someone help me as to how I should deal with this - there are so many people involved I'm not sure how to approach this.

 

Many Thanks For Any Help

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...