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    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks 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
  • Our picks

    • 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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Zoe VS HSBC


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It just started off with the odd £20-£30 pounds a month but I've got to a point where the bank is charging me more and more each month and i cant even borrow money against mortgage to sort the situation out (also with HSBC - I'm a very loyal customer) because they have given me a bad customer rating. And all because of my spiralling bank charges.

 

Just added up total charges since the beginning of 2004 - cant believe how big they are £1882. I dont even know what some of them are for.

 

I have drafted a letter based on the one from the library here. Does anybody have any feelings about who it is best to send it to - head office, my local branch (where they know me), or the branch that my account with (at my old university).

 

Thanks

 

Zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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it shouldnt matter too much who you send it to as it will got to the customer service team in leeds eventually via the internal post sytem, however it may be easier for you to send to your local branch any other q's fire away :)

  • Confused 1

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Thanks for your help.

 

This might sound stupid but I dont understand whether I should send the protection act notice and wheter it applies to my particular case?

 

Any help would be useful

 

Thanks

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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the dpa request is for people to obtain their old statements so they can calculate how much money they are owed, however, you already know this figure, so the dpa request isnt required, just make sure that you ust the complete template letter and just make the alteration to it regarding the breakdown of charges, remove this line as you dont need to send it yet

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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  • 2 weeks later...

I sent my preliminary letter off a week ago and today got a letter saying

 

---------------------------------------------------

 

Thank you for your letter dated 27 June 2006 requestion a refund of your bank charges of £1972.00.

 

In order that we can consider your request please provide a full item ised breakdown of these charges to include date, descirption of the charge and the amount applied. Please also include any proposed new charges that you will have recieved a pre notification advice for.

 

Thank you for taking the time to write.

 

Yours sincerely

 

Mr Colin Langdale

Senior Service Quality Manager

 

------------------------------------------------------

 

A couple of questions.

 

Should i now send the letter before action or should I enter into a dialogue with this person.

 

I am also unsure of the reasons for some of the charges as they just appear on my statement as CHARGE. I know that there are some for bounced cheques but the majority are from exceeding my overdraft - mainly due to the spiralling charges.

 

I'd really appreciate any advice

 

All the best

 

Zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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send off your lba now, include in it a breakdown of charges aswell, regarding the terms for individual charges, all you can do is put on the spreadsheet (or however you are recording them) what it says on your statement

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Thanks very much. I've just been calculating them from print outs of my old statments but I'll make a proper document.

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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use this one as it also calculates interest

 

http://www.bankactiongroup.helpwithmypc.com/resources/BankCharges.xls

 

dont have m-s excel?, use this instead its free and compatible with m-s stuff

 

http://openoffice.bouncer.osuosl.org/?product=OpenOffice.org&os=win〈=en&version=2.0.3

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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  • 3 weeks later...

Hi,

 

I've finally sent my mcol and for the first time in the process I am terrified. I really hope i havent made any mistakes.

 

Just a quick question. I'm on holidy from next Tuesday so will be away 14 days after I submitted the mcol. Has anybody else been in this situation? Do you think it will be okay?

 

Zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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i got back from the pub on thursday night and found this letter from HSBC. I thought it might be useful for some of you who havent got this far to see it...

 

----------------------

 

 

Thank you for your letter dated 7 July 2006 requestion a refund of your bank charges fo 2191.73.

 

In circumstance where you have authorised a payment that would, if met by us, lead to your account going overdrawn or over an agreed overdraft limit, we have to consider whether tto make this payment. Afee is payable for this service provided by the bank, details of which are clearly set out in our published price list. The circumstance in which the fee with apply are clearly set out in our personal banking terms and conditions which you were provided withe a copy of when you opened your account. if your claim for a refund proceeded to court we therefore believe we would successfully resist any legal challenge in relation to these fees.

 

HSBC is, hoever midful of the mangement time and irrecoverable legal costs that it may incur inrelation to such a claim. For those commercial reasons alone, and without any admission of liability whatsoever, HSBC is preparet to make a payment to you in the sum of 1850.00 representin the charges applied in full and final settlement of this matter.

 

If you accpet this proposal please sign and return the enclosed copy of this letter to us within 10 working days and we willarrange for a refund to be made to you. Please allow 7 working days for your account to be credited fro receipt by ourselves. If we do not receive your signed acceptance within this timescale we weill take it that you have declined our offer.

 

I trust that this matter has now been addressed to your satisfaction. If you are not satisfied with the bank's response ou hafe the right to refer your complaint to the financila ombudsman service. Further details abotu the Ombudsman scheme are set out in the enclosed leaflet and you hae six months from the date of this letter, within which to refer your complaint to them should you decide to do so.

 

thanks you again for taking the time to write

 

Colin Langdale

Serior Service Quality Officer

 

 

......................................

 

I am of course (having read this forum and learnt the drill) going to accept this as partial payment and continue to request a full refund.

 

the only question is does anybody have any idea of how long this is going to take as I am worried about getting more charges in the meantime?

 

Zoe (ps i know it's really sad to be in doing this on a saturday night)

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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Hi everybody,

 

I have drafted this letter to the bank based on some others I have seen - what do people think? Is it okay to mention the court fee and removal of the default notice here?

 

------------------

 

 

Thank you for your letter dated 26th July 2006.

 

I acknowledge your offer of £1850.00 and accept this amount as a partial settlement of the £2191.73 as stipulated by my original timetable.

 

As stated in my letter dated 7 July, I will now require you to remimbuse the £120 court fee (this claim was made on 26/07/06 and has the claim number of 6QZ49341). The full payment now required is £2311.73.

 

I remind you that in addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

I require repayment in full of this money and removal of the default notice within 14 days. If you do not do this then I will be forced to proceed to court.

 

Yours sincerely

 

---------------

 

thanks, Zoe:smile:

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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Just a thought....

 

Thank you for your letter dated 26th July 2006.

 

I acknowledge your offer of £1850.00 and wish to accept this amount as a partial payment of my total claim.

 

As a satisfactory response has not been received within the timescale stated I have now issued a county court claim against you. I am now also pursuing my court costs of £120 plus 8% interest. The full payment now required is £xxxx.

 

May I also remind you that in addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that a mere correction or amendment to the entry will not be acceptable.

 

Yours sincerely

 

 

Does your amount include your 8%????

DG Solicitors will be issued with your claim soon (if they haven't already) and will be aware of the timescales involved so I wouldn't add that bit.

I expect you'll hear from DG next, money isn't far off, keep going!!!!

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Hi Sar,

 

thanks for that - much better. And yes, that does include the interest so i'll mention that too.

 

I'm on holiday until the 14th. Do you think that's going to make a difference to my claim?

 

zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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Only prob might me if they make an offer and give you x amount of days to reply. Have you got someone that can check your post?, if not it might be worth writing to DG Siolicitors after you've filed but before you go away and just mention that you will be away from such and such dates. This way you cover your back if you return from holiday and find a letter on your door step.

To be honest though I would have thought that you would have heard from them by 14th anyway, it only took them a week to make me an offer when I got to this stage.

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i'm on holiday from this tuesday (2nd) so i'll probably be away when the solicitor contacts me. I' could get somebody to check my post though - maybe i can call the solicitor from abroad to tell them i'm away, or do you think i could write before i have any communication from them to let them know?

 

z

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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So I've put it in the post - it can't be long until i get this money back now.

 

Thanks for the conact number for the solicitors - Ill try and get hold of them tomorrow before i go away.

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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  • 3 weeks later...

So I got back from my holiday on Monday to find that HSBC had paid me the full amount. I'm delighted

 

I just wanted to say thank you to everybody who has helped me along the way and to the people who started and all those who mod this site, it's a wonderful thing.

 

- Just off to make a dontation to the site -

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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Certianly did.

 

By the way - what has happened to the marks on your register. I mentioned this as part of the deal throughout my communication with HSBC but as I had to get somebody to deal with the final stage for me (while i was on holiday) i didnt check that this was part of the deal.

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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