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    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
    • it's 85k of turnover (well, now £90k). However, you're digging yourself into another hole here. That ship has probably long since sailed. Is it worth pursuing this? You're not going to get anything back from it either way.
    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
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    • 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
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Aktiv Kapital First Investment


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I received a reply today from the OFT re my complaint about being asked for payment for a debt I knew nothing about from Debt Managers on behalf of Aktiv Kapital. The letter says neither company has a consumer credit licence and my complaint has been put on file "for future reference". In other words, if they do apply for a licence, they have had their chips, so do send your complaints to the OFT.

 

WTF :eek:

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Sorry, Babybear - I got that totally wrong!! I must have been dozy this morning! They DO have licences and the OFT are going to add my complaint to others - they are taking it seriously. So my message is always write to them even though they do not deal with individual complaints.

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  • 3 months later...

Recieved letter today 'headed' from Thames Credit, which is a trading name for Aktiv Kapital, which is a company in Norway, with a Uk Po Box address hmmmm :roll: The letter goes on to say

 

'i have been advised that Attiv Kapital Investment Ltd have bought the interest of Barclays Bank Plc in the debt i owe them under an agreement.'

 

I have never had anything to do with Barclays, :confused: so couldnt possibly owe them anything, its only a smallish amount compared to other peoples letters £77.84, but its money i dont owe.:evil:

 

I think i should approach Barclays and ask them and i am wondering if there are any suggestions to anyone i should/could tell......

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Hi and welcome to CAG.

 

You really need to start your own thread on this in order to receive the appropriate help and advice and to ensure that your posts are not lost in this thread.

 

If you don't know how to start your own thread have a read here http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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.

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  • 7 months later...

i need help .... i bought a suite off reid furniture braehead scotland... fell on hard times and got late payment fees from first national over £220 worth.... had £466 to pay which was passed to AKTIV KAPITAL i thought was another depmnt first national... anyhow i was paying till i could not get MULTIMASTER insurance to claim for suite broken but hard to get thru... also for a spray that was supposed to protect the suite (31/7/2004) ok AKTIV KAPITAL took me to COURT the other day for £131.02 plus expenses... i paid £131.02 out of fear 5 weeks before court but still went as they were claiming £150 expenses for brining this action.. by law paying the £131.02 is an admission of the debt but i explained to the judge i did not know this but paid to buy me more time to see if i could claim late fees back from finance company as you can with ppi , credit cards and bank charges so the judge has put the case to PROOF this September.. i think first nat is linked to GE CAPITAL BANK therefore can i claim these charges back from AKTIV as they now own the debt as they say! Can anyone help please?

also can anyone place this as a new thread as i do not know how to? Thanks

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on mine the top of the page says POST REPLY

 

sorry agatha basically i bought a suite with protection spray and warranty added to cost meant i had to pay £1972 however due to bank charges from lloyds i struggled to make payments to First National who financed my purchase from REID furniture. I owed £466 when i found out AKTIV KAPITAL bought the debt but i thought it was another department of First National... anyhow i stopped paying and was taken to Court for £131.02 but paid that 5 weeks before going up in front of the judge lasat week. The judge was going to award them expenses as paying the £131.02 was an seen as an admission to owing the money but i persuaded the judge that it was not an admission on my part and that i was seeking information as to the legality of late payments made to First National of more than £220 and whether it would be AKTIV KAPITAL who should repay now that they have taken over the payments? Now i am wondering if AKTIV KAPITAL should send me a copy of the agreement and whether i should be asking for not only late payment fees but also £210 for the so called protective spraying of the suite and extended warranty service that i never received? Any help appreciated

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  • 1 year later...
I got exactly the same problem. Just got letter today from Debt Manager Edingbourgh regarding "Aktiv Kapital First Investment".

Can anybody wright me a private message if you got the same probelm? I want to go to the police and it would be helpful if I got further evidence.

Thanks for that.

 

hiya i got letter from them too dont know if late giving you a message

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hiya i got letter from them too dont know if late giving you a message

 

You must ask for the details of the alleged debt then DEMAND a true copy of the original agreement. I did this after the case they dropped the claim for expenses as soon as i asked for a true copy of the alleged agreement! You can get further info from oft but if they cannot produce then they have no right to any payment!

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