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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
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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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    • 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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Halifax Visa Card


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Hello,

 

Sorry I've been a while getting back to you re my problem. The reason is I've been delaying phoning Visa, naughty I know, but I just seem to lose my bottle there for a while.

Anyhow, following on from the excellent advice you good people have given me I finally plucked up the courage this morning and phoned Halifax Visa. I needn't have been so worried. The lady I spoke to was extremely helpful, not to mention sympathetic (highly unusual I thought).

She initially asked me if I could pay £39.00 pm, but as I explained to her, that simply wasn't an option on £59.00 pw Job Seekers allowance. So I persisted with my token offer of just £1.00 pm. This was agreed, commencing on the 28th of this month for three months when my situation will be reviewed. Hopefully I'll be gainfully employed once again before then.

So, a HUGE heartfelt thank you for enabling me to tackle this temporary but extremely worrying problem in my life. x

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Really pleased to hear you got it sorted Sue- see I told you we would make you a................................................................

 

 

 

 

Happy Sue!!!!!!!!!!!!!!

 

And thanks for posting your good news as its acts as motivation for others!! Take care and good luck!!:D :D

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Thank you tilly, kenny and moneyhelp .... :)

 

All I need now is small win on the lottery .... :D

 

No problems Happy Sue, we are all glad to help- get a buzz from it!!

 

Now let me see where that box of tricks is re the lottery prize!!!!!!!!

 

Well a single mum, just outside Glasgow won £35m on Euro this week, got her cheque today.

 

She was a postie earning £16k. Normal interest earns £35k..............a week.

 

I would need to do it, to win it though!!:rolleyes:

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  • 3 months later...

Hello ... me again.

 

Well, Visa have accepted my offer of £1.00 per month as I mentioned back in August ... BUT ... what they didn't tell me was they were going to continue adding interest every month to my account unless I pay 1% of what I owe each month. As that works out to over £40.00 it just isn't an option for me as I'm still claiming job seekers allowance, which they know.

From the moment I began claiming benefits I stopped using my card, what I currently owe was spent while I was working, I had no way of knowing things would change.

Would anyone be able to tell me if Halifax Visa can do this to me? I've written to them twice requesting that the interest be frozen temporarily but they don't want to know.

Thank you ....

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Hi Tilly,

 

Thanks for your help but I've already sent that one and their reply was that they'd only freeze the interest if I pay 1% of the required outstanding amount, and they know I'm unable to do that.

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hi sue

 

have you thought about sending of your s.a.r for your statement,s to to see if you have had any charge,s applied to your account as you could claim these back, also you could then send them a letter of account in dispute once

you have started the ball rolling for claiming your refund of charges............here is the link

http://www.consumeractiongroup.c o....s-library/516- for the s.a.r

 

also you mentioned in your post back in august that they would review your situation again in 3 months have they been in contact with

you to revise your monthly payment plan

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