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    • Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • 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.  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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tom a Vs HSBC


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Hi Tom. If your claim is for a business account then yes you will need a breakdown of the "total charges" figures. If it is for just a personal account then no you do not need a breakdown.

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Here is a link to a thread that details the charges you can claim for.

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

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If you were charged for going over your overdraft limit eg"Total charges" then these are claimable. HSBC charged £25 per day for being over a limit. If you are really stuck, just post up the description of the charges you have and we can say yes or no as to whether they are claimable (but as this is a personal account, they are all pretty much claimable)

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Thanks for that. Have not had statements sent to me only a list of charges.

I will stick all charges on my claim.

 

Just make sure that you have not got any arrangement fees for things like when you rang them and increased your overdarft facility. This charge also used to be £25. The ones that you can claim for usually appear once a month around the same time every month (except for the bouncy items of which they were charged for on the actual day)

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  • 4 weeks later...

Hi tom. If the interest that is on your schedule is the 8% interest, then this is not claimable just yet. You go for that interest when you file your claim at court.

 

If this is the 8% interest, I would hide the interest column on your spreadsheet so you can then just print off the schedule of charges.

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To change the date on our computer.

 

Right click on the time at the bottom right of your screen. Then click on adjust date/time. Adjust the date to the date of your prelim letter and then press ok. Don't have the spreadsheet of your charges open when you do this though. Once you have changed the date of your computer, open the spreadsheet and it should agree to your prelim letter.

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Did you ring them???? remember it is the computer that does all the bouncing.

 

I had a row with the Halifax today. I tried to open a share dealing account with them in order to dabble in the stock market (I still haven't spent any of my charges refund yet). I had an email from them saying that they couldn't validate me and would I provide them with 3 months worth of bank statements etc!!!! I have been banking with them for over 12 years!!!! Anyway, after throwing all my toys out of the pram and half an hour later, they rushed through my application so I could buy some shares today.

 

On a different note......WOW that is a really groovy avatar Pete. :)

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