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    • Hi All   Just realised leetter dated 13th was thinking it was 24th or there abouts when i got letter this is my draft  ------------------------------ Dear Sir/Madam, I am writing in response to the Letter of Claim that I received from your office on 24th June 2025, which is dated 13th June 2025. It seems that the intention behind this delay is to limit the time available for individuals to respond, pressuring them into making payments they may not otherwise owe. I categorically deny any responsibility for, or obligation to pay, the so-called “parking charge” mentioned in your communication.  Your claim is without merit and I do not accept the existence of any debt. The alleged violation you reference is entirely unfounded and lacks credible supporting evidence. I am fully aware of the questionable business practices associated with Southgate Park, Stansted, which have been widely criticized and have attracted the attention of the media, including Channel 4 (link in case you missed it https://www.youtube.com/watch?v=5i_RcNM4SM0 ). It is clear that this site is not focused on legitimate parking management but on trapping unaware drivers into unnecessary charges. The manner in which you are attempting to coerce payment through threats of legal action appears to be nothing more than an unjust and unfounded effort to pressure individuals into paying charges that cannot be enforced. Should you choose to pursue this matter in court, despite the apparent lack of merit, I will be requesting an unreasonable costs order in accordance with CPR 27.14(2)(g). I kindly request that you cease any further contact with me regarding this issue. Yours faithfully, [Your Name] ------------------------------------------------------------------------------ let me know what you think, thanks
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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
      • 162 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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Hi, this thread is to deal with the Lloyds part of my bigger debt problem found here, it explains how I got in this position and the overall debt mountain involved:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387784-Big-Debt-Problem...HELP

 

This is for an overdraft, I am going to send a SAR request next week...

 

2013_05_10_13_39_38.jpg

 

These guys have just arrived on the scene this week…

 

(Loan)

2013_05_10_13_43_05.jpg

 

(Credit Card)

2013_05_10_13_43_54.jpg

 

Shall I CCA them?

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bls are Lloyds in house DCA

so nothing really to worry about there.

 

it might be better to further split the thread into seps for the individual accounts

 

check they all show on your cra file and put up the default dates too.

 

certainly an sar to Lloyds is the way to fo

then you'll get statements for everything Lloyds.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

I have not sent the SAR yet. Just got these today. Lloyds have sold the debts on to Aktiv Kapital. Any suggestions?

 

With the Llloyds loan I remember signing the documents etc so I wonder why they sell it on and not chase the debt through the court?

 

2013_07_05_18_11_26.jpg

 

2013_07_05_18_11_19.jpg

 

2013_07_05_18_11_47.jpg

 

2013_07_05_18_11_38.jpg

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yes please split them

 

and put all you docs up using PDF please as advised in another of you threads

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sar is all a company has on you

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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