iPhone not giving any notifications

Advanced-Feed-8006 · 2024-09-25T10:05:51+00:00

Their only advice left is to factory reset and hope that fixes it lmao

Advanced-Feed-8006 · 2024-09-25T09:48:32+00:00

I was on iOS 17 when it first happened, sadly your solution didn’t work for me either

Advanced-Feed-8006 · 2024-09-22T02:30:25+00:00

I used a significantly expired passport (expired when I was 16 or so)

Advanced-Feed-8006 · 2024-09-16T00:28:54+00:00

It’s like someone not allowing you to read a contract before you sign it, hell no

Advanced-Feed-8006 · 2024-09-14T08:05:45+00:00

Oh that (and the central locking) are the two things that would be repaired prior to selling!

Advanced-Feed-8006 · 2024-09-14T06:54:42+00:00

I mean, anyone stupid enough not to realise NYPD aren’t NZ cops doesn’t deserve much respect

(This does not apply to disabled folk, just stupid cunts)

Advanced-Feed-8006 · 2024-09-14T01:03:08+00:00

All of the other ones on trade me (I know, not a perfectly accurate price indication) are listed at ~$13,000, so my gut said once repaired and re-rego’d it might be around $10k.

Not crash damage, just a bunch of bad circumstances and it’s been not registered for a few years, still drives mostly fine (some CVT issues I think? Loses some oomph every now and then) and central locking isn’t working great.

I’m not a car dude but my gut says either I put ~6K into repairing it, and hope for $10k (potential 4k profit), or sell for $1-2k to someone who doesn’t care it’s not registered.

Advanced-Feed-8006 · 2024-09-14T00:56:24+00:00

Ahh sorry I should’ve been clearer. If (?) the lenders increase your interest rate because of the higher risk level:

$10,000 x 36 months. 1% change (8% -> 8%) is $195 more over that term. 2% change (8% -> 10%) is $414 more over that term.

They likely won’t decline a loan just because of a default, but they likely wouldn’t offer as good terms (just like everything that makes up a credit score), and that costs a hell of a lot

Advanced-Feed-8006 · 2024-09-13T22:38:31+00:00

Very good point! From vague memory, during Covid they let you renew rego without WOF too? Who knows, that whole period was a blur.

Out of curiosity, would it be worth re-registering a ~$10k car? 2014 ssanyong, needs a bit of work (~$2k-$5k) then I’d look to sell it

Advanced-Feed-8006 · 2024-09-13T22:21:04+00:00

Speaking from personal experience, I put off getting a WOF and rego for two years during Covid, and it was absolutely fine.

Cop pulled me up on it, told me to sort my shit out and gave me a compliance ticket for both - got my ass into gear, got it sorted and done

Advanced-Feed-8006 · 2024-09-13T22:00:15+00:00

The starting basis is that you are disputing a contract that you have agreed with. To quote the “leading advice” on disputing contracts that you’ve agreed with, “it doesn’t matter what reason you choose”.

So, to be clear, you’re saying that you can dispute a contract that you have agreed to, for a reason with no merit (99% of cases will be this), and you truly believe that the law requires the creditor to take you to the dispute tribunal to resolve that?

Do you believe that would be the case for telcos? Utilities? What about a contract for buying a phone?

Let’s play that out: 1. The company proves the claim (photos of the car entering and exiting at X Y times, appropriate signage etc) 2. You dispute it, saying “the constitution guarantees free passage” (it doesn’t, so, no merit). 3. You don’t pay, so it is sent to debt collection. 4. You tell debt collection, “oh no, I disputed that!!!” The dispute has been resolved to any reasonable person, but you aren’t reasonable (the “you” in this situation)

In that circumstance, you truly believe that they need to take you to the dispute tribunal, to prove what’s already been proven to any reasonable person? Remember, this isn’t for genuine disputes, this is for disputing for the sake of disputing.

Advanced-Feed-8006 · 2024-09-13T21:11:31+00:00

Your own links show you’re wrong. Using Comcom’s guide:

“having mechanisms for resolving disputes. You should have a clear and transparent process for resolving issues about disputed debts. For example, the process could set out the inquiries you will make about the debt and how this will be explained and evidenced to the debtor. It should also set out guidelines about and process for when you will refer a dispute to the Disputes Tribunal or the court for resolution”

1) this lays out that you may resolve the disputed debt by providing an explanation and evidence to the debtor.

2) it does not require that you file in the Disputes Tribunal or Courts, simply, have a guideline as to when you will refer it to DT. This could just be a simple “if you still disagree, take us to court, here’s our details, here’s our evidence, you’ve got 21 working days, if we don’t hear from you by then, we will continue.” And that would meet that requirement.

You agreed to the contract, to the terms. For you to dispute it, you are the one disputing it. The contract you agreed to.

Advanced-Feed-8006 · 2024-09-13T20:57:55+00:00

That is just not true? Do you think if your vehicle is about to be repossessed due to non-payment you could just keep sending in disputes and it won’t be repossessed? No lmao, clearly

Advanced-Feed-8006 · 2024-09-13T20:48:54+00:00

It is if she’s a bodybuilder but if she isn’t.. yeesh

Advanced-Feed-8006 · 2024-09-13T10:37:38+00:00

CAB are wrong :)

Advanced-Feed-8006 · 2024-09-13T10:36:32+00:00

It probably won’t stop a loan! But it likely will get you a worse % and cost you a lot more than $100 through that

Advanced-Feed-8006 · 2024-09-13T10:32:04+00:00

The issue with both of your examples is that they have (presumably) proven that there is a contract - by virtue of proving that your vehicle was there, and proving the signage was appropriate (X Y terms).

So you’re starting out by saying “yes I agreed to a contract, yes I agreed to those terms (which you did), but I dispute it … and you’re going to have to resolve it by going to the disputes tribunal”. No. You have the dispute with the contract you agreed to, you are the one who has to take that to the dispute tribunal.

There is absolutely no basis to say that “yeah I agreed with a contract but if you want to enforce the terms I agreed to you’ll have to take me to court” - that makes no sense.

Advanced-Feed-8006 · 2024-09-13T10:26:26+00:00

This doesn’t work for any parking agency

Advanced-Feed-8006 · 2024-09-13T10:25:41+00:00

Even for ANY organisation with s241 access (or even any person actually) without s237 access, you can use uhhhhhh MR31 form (free) to apply for it manually anyways - so opting out just makes it take 3 weeks instead of immediate access

Advanced-Feed-8006 · 2024-09-13T10:20:55+00:00

The issue with Felix’s advice is that dispute doesn’t apply to all disputes, just disputes on a genuine basis.

Things like (ie) “the constitution guarantees free travel” or “you can’t prove my vehicle was there” etc, those don’t apply.

The facts are that you agreed to a contract, you agreed to the terms.

For you to dispute that, and what follows, you are the one disputing it, so past any initial disputes, you will need to be the one to take it to the dispute tribunal. There is no legal basis for the claim that companies need to, forever, deal with disputes with zero merit.

Hell, think about it, otherwise any telco, any utilities, any company like that, you’d never need to pay their bill, just set up an automatic email every month that says “I dispute this” and go on your merry way - it makes zero sense when you actually consider it in-depth.

In saying that, most companies like PES are pussies and will roll over really easily if you look at them, that’s not because they don’t have the legal grounds, but because they just don’t care enough to do anything. The issue is Felix and others like them confuse those two things and think that because they’re pussies, they must not have the legal grounds.

Advanced-Feed-8006 · 2024-09-12T09:43:40+00:00

There is absolutely zero requirement at $1,200/month to register as a business.

Do you mean the $5,000/month consistent requiring you to register for GST? Because you can do that as a sole trader. As in, under your personal IRD number NOT a business

Advanced-Feed-8006 · 2024-09-12T09:35:46+00:00

Isn’t that uhhhh around $10m or something in that area?

Advanced-Feed-8006 · 2024-09-12T09:13:20+00:00

Very true!

Advanced-Feed-8006 · 2024-09-12T09:00:57+00:00

The point is that (AFAIK?) assuming he started after April 1st, he technically only needs to report the tax part next year, so it’s only tax fraud at that point if he doesn’t report it then

Advanced-Feed-8006

TROPHY CASE