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    • Hi on the notice of disqualification it lists the 2 speed offences and marks offence withdrawn? This is for both offences and then the other 2 is the MS90s which I’m fined for and the additional costs. R
    • Hi,    It has taken a while, but I have received an email from Auxillis -  hello, we are not dealing with this claim all we do is log accident for you isnurance - the claim has been passed to your underwriter markerstudy 0344 873 8183 as they are deal with fault cliams ion behalf of adrian flux. thankyou auxillis   I have made repeated attempts to phone Markerstudy in between working from home, struggling for energy and trying to find a cheap car so that I can keep my job (community support worker). Thankfully I have a supportive team and I am being given phone calls to make but it cant last too long. I had a severe migraine over the weekend and also have quite bad whiplash in my neck and back.    I found this in my insurance policy booklet -    Protection and Recovery If the insured vehicle cannot be driven following an incident leading to a valid claim under this section, we will pay: • the cost of its protection and removal to the nearest approved repairer, competent repairer or nearest place of safety; and • the cost of re-delivery after repairs to your home address; and • the cost of storage of the insured vehicle incurred with our written consent. If the insured vehicle is damaged beyond economical repair we will arrange for it to be stored safely at premises of our choosing. You should remove your personal belongings from the insured vehicle before it is collected from you. In the event of a claim being made under the policy we have the right to remove the insured vehicle to an alternative repairer, place of safety or make our own arrangments for re-delivery at any time in order to keep the cost of the claim to a minimum     I do about 20-25000 miles a year with the work I do, I have been getting quotes and putting that I have now have one accident and no no claims bonus and the cheap quotes from similar companies to markerstudy are more than double what i paid last year at 8-900 and aviva is offering 2600 which is simply out of my price range and more than the car i am looking at.  I am starting to wonder if it is even worth going ahead with the claim as i have no one to claim from. I have had no information from any of the enquiries I have made.  I have a full tank of vpower diesel in the car in the impound, i can strip it for parts and probably make what I will be offered by the insurance payout and get the money quicker.  As I have made contact and started the process can I back out, still keep my NCB and a claim free history? Also what happens with my injuries? I don't think there is any permanent damage but my dr refused to see me and just gave me a boat load of naproxen and codeine. What happens in the future if things don't get better and I cancelled this claim? Can you claim injuries off your own insurance because the other guy ran and you cant find him? I have tried to ask these questions off markerstudy but they keep me waiting for nearly an hour then end the call.     
    • Thanks for the response. Am I able to send you the documents I’ve received or can you message via instant message and I’ll send these? Reece
    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court. When you get there you can ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all meaning you will have to approach "specialist" (aka extortionate) brokers. So you really want to exhaust every possibility of avoiding MS90s if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
    • Just the sort of people you despise eh Jugg  You would be much happier among your mates in that room with Rayner begging for votes 
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Argos don't accomodate pensioners


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My mother with failing eyesight went into Argos in Perth and ordered most of her Xmas gifts and decided to buy a new Xmas tree, when it was delivered it seemed the wrong number had been put on paper an easy mistake for anyone, so in her wisdom my mother went to Argos in PERTH and was told she could not exchange my mother did not want a refund just a green tree for the same price an exchange if you will, and was told point plank no it cant be done, so i phoned the customer helpline if that's what you wish to call it only to be put onto a ringtune with no-one answering it because the lady i spoke to did not like the fact i told her that in PERTH no-one told my mother she could not return tree, as my 20 year daughter was there the customer helpline lady was in no position to argue, so she put me onto a ringtune that no-one answered.

my mother has worked all her day's to be treated like less of a person for buying a tree within her means, i bought a tree today and was told i had a thirty day option of bringing tree back, was that because my tree was more expensive than my mother's so ARGOS DISCRIMINATE in PRICE and AGE on their customer service lines and very much in their stores. my mother's crime seems to be that she is over 66 and partially blind.

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All Christmas items are exempt of the 30 day money back guarantee, unfortunately if you do buy the wrong item anywhere you are not entitled to a refund/exchange etc. This is not discriminating against any particular person and applies to anyone.

If someone does have a problem reading a catalogue number staff are more then happy to help you and happy to accommodate any other requests for any disabilities that come through the door.

You are always told in store, in the catalogue and on your receipt that something is exempt from the money back guarantee so if the items where purchased from in-store there is nothing that you can do.

I would be interested to see which tree is returnable as afaik every single xmas item isn't.

Ex-Retail Manager who is happy to offer helpful advise in many consumer problems based on my retail experience. Any advise I do offer is my opinion and how I understand the law.

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the tree i bought is a fibre optic and has a refundable 30 day guarantee it was £60 i bought it one week ago, when i went back and checked today i was told the same thing i could return within 30 days, i also asked about the situation regarding my mother and it was sorted out in five minutes flat by a rather lovely helpful understanding woman who realised it's easy to make that kind of mistake when partially blind.

 

as for your reply about helpful staff i can only assume you venture around Argos stores checking staff/customer relations i can assure you last time i bought in Perth and had to return the box as it had already been opened and when i buy something i like to be the person opening it when i returned to store with receipt the server was less than pleasant (did not get to speak to manager) i bought from argos often and only two places i have visited was shocking for customer relations when i asked to speak to a manager i was told to leave a number and then was hung up on (for not losing my temper or shouting) so i understand that you work for argos and love your job and your store is very people friendly but i think you must understand that all stores are not like yours unfortunately and as a customer we are treated like troublesome people who are just making the server's job harder.

 

i work with the public everyday and if i spoke to a customer like the lady in perth did to my mother i would be sacked on the spot no questions asked we are all about customer care and making their shopping experience as memorable as possible no matter how busy the store is, the customer is always our priority.

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Hi

 

I too had problems with Argos and in the end emailed their Director. I then had a reply from his secretary who put everything right.

I am disabled and have problems with mobility and explained their attitude towards disabled customers is not good enough.

 

Perhaps a similar email may work......I hope so. I understand only too well where you are coming from and its not good enough

 

Argos Direct E-Commerce Customer Services Team.

Telephone 0870 600 8784

Monday to Friday 8am - 10pm

Saturday 8am - 5pm

Sunday 9am - 5pm

 

Chris:)

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Surely it's the buyer's responsibility to buy goods which are suitable and to buy the correct goods?

 

If they buy unsuitable goods based on advice from the catalogue or store staff then that is different.

The above post constitutes my personal opinion on the facts in the post compared with my personal knowledge of the applicable legislation. I make no guarantees of its legal accuracy. If you are in doubt seek advice of a legal professional specialising in the area concerned.

 

If my post has helped you please click my scales!

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That's the inherent problem with Argos, though, is that you see the goods on the catalogue, which is not always sufficient to gauge whether it is right for you. At a regular store, you can see the real thing, touch it, feel it, and are less likely to get it wrong.

 

I understand the 30 days return policy for xmas, though, as some unscrupulous sods will get their trees and decs before and return it after, I'm sure... I also think that store policies should always be guidelines, not set in stone, and that good customer service and common sense should prevail. ;-)

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So then that's an inherent problem with Argos, as opposed to Argos and pensioners...

 

I fail to see the point. If you buy the wrong item a store is not obliged to do anything, but often will as a goodwill gesture.

The above post constitutes my personal opinion on the facts in the post compared with my personal knowledge of the applicable legislation. I make no guarantees of its legal accuracy. If you are in doubt seek advice of a legal professional specialising in the area concerned.

 

If my post has helped you please click my scales!

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I didn't say that it was a problem with Argos and pensioners, I certainly don't think it is any kind of discrimination, no. The point I made about policy v goodwill is totally valid, though.

 

What I am trying to say is that someone who buys a xmas tree 2 weeks before xmas and brings it back 2 weeks after, yes, the 30 day exclusion is realistic. Someone (doesn't have to be a 1/2 blind pensioner) who buys one in Novemebr and wants to return it 2 days later because they made a mistake, if I were Customer Services, I'd use my common sense.

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  • 1 year later...

I work at Argos and all our christmas trees are exempt from the 30 day money back guarantee.

So dont go blaming us, its the rules, we arent allowed to accept anything back if its exempt from the 30 day money back guarantee.

Usually if the item isnt taken out the store and you realise its the wrong one then the manager will allow it, although if it has been taken out of the store then it cant. Unless the manager does it our of good will.

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