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Posts posted by kwaks

  1. Update - HSBC corrected all information on my credit files and paid compensation. Eventually service excellent (You must speak to the right people).


    RBS did not uphold complaint - offerred £50 as compensation stating that file was correct. Two years on and guess what - Its still on my file and is not correct. Court procedings under way. I will win.


    Advice to all - ask yourself if you have the time, money and energy to fight the "Big Boys & Girls". Ask yourself if it is worth it. If it is do it. Persistance overcomes resistance. Remember also that unfortunately most of the people you will encounter are complete disinterested numpties, so when you find a diamond in the rough that cares and understands take their name and number and email address!


    Don't let the beggers grind you down.


    Dealing with RBOS over this issue now. Wednesday last week a mortgage lender refused me as something had shown on my report. Cue RBOS with a default from 2006!!! Visit to branch, then on telephone (branch useless). By the Friday, after faxing them letters their lawyers had sent 4 yrs ago (when they had a court summons for a debt that had been settled 2 years before) admitting their mistake, they faxed the CRA and I assured it will be off my record by wednesday.


    As a slightly peeved and impatient man, wednesdy will not do, to update a computer? on the phone again tomorrow, and once settled the claim for compensation will commense. 6 yrs of paying highr rates for a start, 40k minimum if I lose out on the house I am buying

  2. I deal with this all the time being a biker.


    The reason the companies give is not that they fear their staff will be held up, lets be realistic, if someone was going to hold them up the rule of taking off a helmet first would be an easy one to ignore.


    The reason they wish bike helmet to be taken off (and hoods down etc) is to ensure the person is over 16, as the use of the pumps is restricted to this.


    Now, as you had DRIVEN into the forecourt, your face was uncovered, you politely waited in the line to speak to the cashier, then there really was no need for refusal to put on the pumps.


    At least they did not switch the pump on, lost count of the times they have allowed me to take fuel THEN asked me to remove helmet.


    If you want to do something, hit them in the pocket. Either by taking your business elsewhere or by occupying every pump with someone wearing headgear, and not moving till the pump is on.



    And before anyone says bikers should remove helmets, you try taking off gloves & helmet allowing rain to drip down your neck, then trying to get everything back on so it is comfortable and safe whilst the car behind you is creeping forward to use the pump, or even in one instance where the car driver had draped the hose over my bike to reach his car. He wont do that again!

  3. Have seen discounts given for loads of reasons, including having childs seats fitted!Thing is your answers to the questions need to be truthful, so not much you can do, but do check out the difference made by your job description. Many jobs can be covered by more than one description.

  4. What if the Driver was given permission to drive the car if he taxed it first?


    The failure in such circumstances would be of the driver and not the Registered Keeper. Would it not?


    How can he tax it without insurance specific to the car? Can't insure it himself as no insurable interest.


    OP can expect a fine from the DVLA in addition to being charged the backtax.


    Unless the vehicle was being taken for an MOT (bit late to declare that now )

  5. The Interpretation Act is the one that nails them anyway, did you read the thread I linked to? Sickpup will give you advice if you PM him through that site, he has be leading a crusade against them for years over this subject.


    His FOI request of how they report their missing post is very enlightening.

  6. Found this on another council websites FAQs


    How will I know if a bay is enforceable?

    When a disabled bay is enforceable it will have a sign next to it with the words 'disabled badge holders only'. Enforceable disabled bays will have a legal traffic order and are enforced by civil enforcement officers employed by the local borough or district council. Anyone parked in an enforceable disabled bay not displaying a valid blue badge may receive a penalty charge notice.


    Which all still requires the bays to be correctly marked/signed and the TSRGD to be correct.

  7. No point in boycotting the shops, the effects will be slow to show as there will always be people unaware of the boycot or not really caring.


    Did hear of positive action being taken against a supermarket. Motorists got together, filled the car park before opening time and left all their vehicles there all day,obviously trade that day was severly affected as little business done (no where to park) and the supermarket subsequently kicked the PPC out.

  8. Case Study I, sue Neptune for illegal fly tipping

    Case Study II, sue Gravity .


    So you slip on sea weed and jump in water too shallow, probably hurting your pride more than anything else. Be more careful.


    A quick look at the site shows this is actually a council car park, merely being run by a contracted company. So any PCN recieved can be appealed through legitimate channels and the non complience is a valid appeal point.

  9. here this and its fact.

    NOT all DDs are on ur licence for 11 years.DR10 to 30 are but NOT DR 40 to 70 .DR60 is refusing to provide a breath test and is on ur licence for only 4 years. However insurance companies require you to give convictions from 5 years.Basicly if you know your over the limit , refuse the test, get ur ban and its over in 5 years and not the 11.


    Im trying to find out if company insurances only account for convictions under 5 years ....


    Not the best advice. Refusing a breath test is on licence for 4 years, however refuse that and most likely they will ask for blood, refuse the blood as well and you will get DR30, sticks for 11 years.


    In addition a ban due to refusal will be seen by insurance as being in the worst category of seriousness, whereas as being slightly over may not preclude them from quoting.

  10. In the last couple of months I have had sky visit twice. First to supply and install a second unit into the bedroom, then a few weeks later to replace the original unit in the living room.


    Both visits were free of charge, apart from the cost of me upgrading to multi room (though not adding on HD option when receiving the new HD box)


    The simple choice of install/fix it or I will go elsewhere.


    On the call to the faulty box (second call) they did point out I was now on a 12 month contract for multiroom, only for me to point out I could drop every channel and just pay the £10.


    I did refuse their offer of extending the warranty/taking out service cover for the simple fact they did not guarrantee that replacement boxes would not be refurbs.

  11. This can be apealed, however do not be surprised if your appeal is initially refused by the council. When you take it to adjudication they usually back out and refund then. Did you manage to get something from the pound to confirm the number was displayed as per the council instructions?


    As Bernie says, there is always the fall back that you are not allowed to pay the PCN within 28 days which is your right, after a tow you have to pay up straight away which is an impropriety.


    Chances are there will be other points of appeal on the paperwork associated with this, post up scrubbed images of all your paperwork here or on pepipoo, best to have as strong a case as posssible.

  12. I would imagine that it works along the same as car insurance, where until total write off is accepted it still belongs to you. However maybe you should look at it as the cost incurred by your insurance company to get a firm to remove the harddrive and return it, and in addition as the harddrive will still be useful, it has a monetary value so they would be perfectly entitled to reduce the payout accordingly as they "sell it back to you". With that in mind £35 seems more than fair.

  13. Result, though it should never have got that far in the first place.



    DVLA are notorious for losing post, and then sending out fines saying you never sent it!!!


    The defence to this which was alluded to earlier is the Intepretation Act, essentialy if you posted it then it is deemed delivered.

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