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    • and it will be also now written off under age related criteria anyway.
    • DX: Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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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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Hi Postggj - look at the agreements - you see the letter from VT department - heading 'regulated multipple agreement under section 18 CCA 1974'

 

Funny cos I can't see on the actual agreement where it states this is a multiple agreement??

In fact doesn't a multiple agreement require a seperate signature for both agreement and PPI if that was the case??

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Hi Andie

 

Thanks for looking at this for me. To be honest the jargon in the documents are all a bit double dutch to me, hence me posting them on this site. I haven't asked them for my PPI back as yet as I am still waiting for them to send me my SAR. Once this has been sent then I will get the wheels in motion

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You've been waiting an awful long time for your SAR - I know the feeling I've been waiting 8 months for mine.

 

I have them in court at the moment about PPI I've gone without my SAR and have made the judge aware of this and that Welcome have been ignoring me - he didn't like that!

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I take it their definition of 'full time employment' can mean what they like? I was only working 20hrs at the time of taking out this agreement and to my knowledge that is usually classed as part-time

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Yeah, I asked for it in 2007...they received the request then but didn't send it and I have decided to pursue this once more and resent them a request in February, which again they received via recorded delivery and again they have chose to ignore it. I called them two days ago and they say that they will send it within 14 days. I cant get credit because they keep registering missed payments on my credit file (this has been going on for 2 years). I should report this to the ICO as this is false information (I should have been defaulted for the PPI a long time ago). I don't really have much faith in the ICO. I complained to them before about Cap 1 defaulting me for late payment charges whilst I was in dispute with them and they were useless.

 

How is your court case going with Welcome? After reading about Welcome on CAG I take it they defend themselves in court all the time?

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  • 3 weeks later...

Hi all

 

I have eventually, only after 2 years received my SAR from Welcome. I want to claim my missold PPI from this lot and get recorded 'missed payments' from my credit file removed. I have scanned some documents and wonder if someone would mind given me their thoughts and also any help on my next steps.

 

http://i614.photobucket.com/albums/tt223/tracyab1972/w-1.jpg

http://i614.photobucket.com/albums/tt223/tracyab1972/ww.jpg

http://i614.photobucket.com/albums/tt223/tracyab1972/www.jpg

http://i614.photobucket.com/albums/tt223/tracyab1972/wwww.jpg

 

I haven't paid them a penny since I VT'd my car and the amount on the statement dated 14/3/07 of £600.22, they say is PPI, which I have refused to pay. I don't know what the extra £10 added as 'capitalisation' and 'ad hoc' are. I also dont have any details on who my PPI was with. They have included any of this in my SAR. I hope someone can help:)

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Hi,

I have had similiar problems with welcome, I claimed misselling of ppi and they told me I would get it pro ratad at the end of term, the subject access they sent me contained someone elses details and they haven't bothered to reply to any of the 9 letters incluuding default on the cca. It looks like I am not getting anywhere my lat resort is to actually drive to their head office. The capitalisation according to the local branch is interest.

 

Good luck and let us know how u get on with this horrible company.

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Hi,

I have had similiar problems with welcome, I claimed misselling of ppi and they told me I would get it pro ratad at the end of term, the subject access they sent me contained someone elses details and they haven't bothered to reply to any of the 9 letters incluuding default on the cca. It looks like I am not getting anywhere my lat resort is to actually drive to their head office. The capitalisation according to the local branch is interest.

 

Good luck and let us know how u get on with this horrible company.

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Hi all

 

I have eventually, only after 2 years received my Subject Access Request from Welcome. I want to claim my missold PPI from this lot and get recorded 'missed payments' from my credit file removed. I have scanned some documents and wonder if someone would mind given me their thoughts and also any help on my next steps.

 

http://i614.photobucket.com/albums/t...ab1972/w-1.jpg

http://i614.photobucket.com/albums/t...yab1972/ww.jpg

http://i614.photobucket.com/albums/t...ab1972/www.jpg

http://i614.photobucket.com/albums/t...b1972/wwww.jpg

 

I haven't paid them a penny since I VT'd my car and the amount on the statement dated 14/3/07 of £600.22, they say is PPI, which I have refused to pay. I don't know what the extra £10 added as 'capitalisation' and 'ad hoc' are. I also dont have any details on who my PPI was with. They havent included any of this in my Subject Access Request. I hope someone can help:-)

Edited by tracyab1972
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i know you are confused tracy but please stick to your thread

 

its been bookmarked so i will allways be looking in

 

good advice from people gets lost and it helps future caggers

ive replied on the main welcome thread

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Hi Postggi,

 

I have just been reading Animal Lovers thread on Welcome, which you helped with. Her last post was in April with no update (hope she is ok!). To keep myself right..do you think I should SAR Direct Group or Norwich Union? I sent a non-compliance letter to Welcome as they haven't provided me the insurance details in my orginal SAR.

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Me And Animal Lover Got There In The End

 

It Took A Lot Out Of Her

 

She, Like Most People Was Relieved Thats Its All Over

 

Ill Get Back To You On This

 

With Direct Group And Norwich Union

 

Its A Different Game

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I called Welcome again today...told them that they havent included any information regarding the PPI in with my SAR. Got that old chestnut ' we dont hold that kind of information' and was told to contact my local branch. Contacted the local branch and the woman on the other end didn't even know what a subject access request was..how does that not surprise me;) Eventually got the Account Manager on the phone who told me that I should contact Direct Group and he gave me a policy number.

 

I spoke to a really helpful lady who told me that the policy number I gave them was not recognised by them, but she did confirm that they have record of credit protection insurance and total loss insurance taken out under my name. The most interesting part is that these were taken out on the 16/7/04, but my contract was signed on the 27/7/04. The account manager told me on the phone that the policy was taken out on the 27th 'the day your policy started'. Direct Group are going to send me a copy of my policy document, but I guess my next step is to contact Aviva (Norwich Union). I will give them a call tomorrow as they are closed just know.

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tracy

 

most important

 

sar direct group

 

I HAVE MY REASONS AND WILL NOT POST ON AN OPEN FORUM

 

YOU WILL BE STONE WALLED BY NORWICH UNION

 

LET ME KNOW WHEN YOU HAVE YOUR COPY

 

THERE IS GOING TO BE SOME CREATIVE ACCOUNTING ME THINKS

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