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    • Not really. I just wrote it based upon my credit file data with screenshots and stuff.  Also referring to multiple data points. You need to read before sending or writing it.    I have plenty of experience in this stuff so takes me half hour to write something like this. For you itll take an afternoon probably. An additional day with it on your CRA wont cause a problem.     Reference Material; ICO Credit File Guide - https://ico.org.uk/media/your-data-matters/documents/1282/credit-explained-dp- guidance.pdf ICO Main Page For Credit - https://ico.org.uk/for-the-public/credit/ CMF Limitation Act 1980 - https://www.checkmyfile.com/articles/the-limitation-act-1980-and-debt-time-limits.htm Gov Limitations Act 1980 - https://www.legislation.gov.uk/ukpga/1980/58/2023-11-18 (Latest Version) Transunion 6 Years - https://www.transunion.co.uk/consumer/credit-report-help/how-long-does-information-stay-on-my-credit-report-for Equifax 6 Years - https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/Howlongdoesadefaultedorsettledaccountstayinmyreport Experian 6 Years - https://www.experian.co.uk/consumer/guides/defaults.html#:~:text=A default will stay on,you still%20owe%20them%20money
    • Thanks fkofilee , by any chance is there a templete for guidance that i could use to help me write the complaint?
    • Hi everyone,  There were many topics on this issue in the past. May I please have an update if anyone managed to buy or sell the house with the leasehold air space on it? would the bank lend the mortgage?  If I was not informed about the complications when selling the house. instead, they told me that this would add value to the house and sell faster which is the opposite. Can I file the case and dispute it for mis-sold and misrepresentation?  I am in the year 9th and I was not aware of the issue until I wanted to sell my house. There has been no communication since I signed the contract. The company has never contacted or updated me on how much energy the panels generated how much I used etc.    This is a free panel from the government schemes, run by  Freetricity.   Thank you   
    • All together.   
    • should i copy them in the same email or seperatley ?
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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.

      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
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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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PCN - Private Car Park


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Hi,

 

I have received a £80 Parking Charge Notice from Vehicle Control Services Ltd for a car park at university. The University changed the car park after Easter to a teacher’s only car park. When this was introduced we asked a course leader if we could still use the car park to drop off work, as we often have to bring in large models etc. We were told that we could use non marked bays to drop work off and/or assignments then move the car to a car park elsewhere. This was announced to the whole class in a meeting, but nothing was ever stated in writing

 

Yesterday I dropped off an assignment at 8.50am and returned straight back to my car. An attendant had parked his van behind mine and another car blocking them in, so we could not move. He then started taking pictures, while we were present. He then started to write the ticket.

 

On the ticket he has written my car make incorrectly (fait instead of fiat) and also stated that the driver was not present, when I clearly was as he wrote the ticket out in front of me.

 

The time the attendant stated he saw the car was 8.53, which indicates I came straight back to the car after handing the work in. The university also have it on record that I handed my work in at 8.50.

 

Do I have any grounds to appeal against this or am I going to have to pay the fine?

 

Any help would be much appreciated.

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I wouldn't bother appealing - this company although called Vehicle Control Services actually has the same address and telephone number as Excel Parking. Read the other threads on Excel Parking and also have a look at what roadsidelawyer.co.uk say about them.

 

Your ticket states your offence is for not having "displayed a ticket". Is this a pay and display car park and if so are there clear signs saying this?

 

Vehicle Control Services are a private company and the only way of enforcing payment is by issuing a claim in the County Court. They would have to prove that you committed an offence in order to win their case.

 

Is it possible for you to get a letter from the University which confirms what you were told about being able to park there to drop off assignments. If you can then I would send a copy of this to Excel and tell them that you have no liability.

 

Good luck - don't pay them, don't let their threats intimidate you and certainly don't ring their premium rate number!

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It was previously a pay and display car park (£3.50 per day) however once they brought the private company in, each bay is now marked as reserved for lecturers with the reg details signposted on each bay. There is no longer a pay and display in place. I parked in an area where there is no reserved bay and was not blocking anyone from reaching/leaving their marked bay.

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Cheers thanks for the help, I am not going to, will I be best ignoring it, appealing it or sending them a letter stating I am unwilling to pay?

 

My friend who was also caught at the same time sadly has though, as they told her she had to pay before she could appeal

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Their appeals procedure is a joke. They basically decide whether or not you should pay their fine and you can guess what the result will be!

 

If you ignore it you will get a Notice to Owner which will increase their so called fine and comes with threats of court proceedings and Bailiffs being instructed. They do this to intimidate you into paying them.

 

Personally I would reply to Excel setting out your case and if possible provide them a letter from the University. This way if the matter does go further it can be seen that you are being reasonable whereas they are not.

 

If they then send you further letters/notices demanding payment, write to them one last time telling them to issue proceedings or stop harassing you.

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Don't forget to take a look at the stickie at the top of this forum - it'll tell you all the background you need to know on private parking tickets. Just remember - this is civil, not criminal, and they need to take you all the way to the Small Claims Court to try and get anything off you. :)

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Click the scales if I've been useful! :)

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