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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
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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
        • Like

Lloyds TSB


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6 threads merged - please keep to one thread per topic, thanks.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi I cannot find a link back to my threads, so not sure if I am doing this, I am at the 3rd stage where you have to fill in forms 1A and 1B and not sure which one I have to send first is it 1A or 1B

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Hi, cp1949.

 

 

Click on your user name, look down and you'll see .....

 

Find all posts by......

Find all threads started by......

 

Bingo !;)

 

Regards.

 

Scott.

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Many thanks for support in finding my thread, as I have had no reply to my LBA I am now at the stage to go further, do I fill in the A1 or B1 form to the local court and can I come back to you if stuck filling in the form.

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2 threads merged and duplicate thread unapproved.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Please read re court forms http://www.consumeractiongroup.co.uk/forum/scotland/94302-updated-scottish-procedure.html Please note the Scottish small claims limit is now 3K.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thank you Rory I sent my letter for request as I had all my bank statements, bank never replied, then I sent a LBA and still no reply, so I presume next stage is to go to my local court as the charges only amount to 600.00. Can you also let me know if I qualify for free charges as I'm on long term sick, in receipt of housing benefit and also high rate mobility.

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Hi,

 

 

It's both. It's always better if you can hand deliver them, and the clerk of court will check you've filled them in right. The clerk I saw, went through everthing with me and helped me with corrections.

 

 

Have a look at this..........

 

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/2147-court-fees-do-you.html

 

 

Regards.

 

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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HI Rory I have spoken today with the local court in Elgin re small claims and they told me that Elgin Court has put all dealing they have had so far on sist. They will send me out the forms to fill up and said it was up to me if I wanted the forms being sent to the bank, I replied that I would like them to serve the forms to the bank. Am I right in doing this, any advice would be helpful.

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Is your account with Lloyds TSB Bank plc or Lloyds TSB Scotland plc? It's probably with Lloyds TSB Scotland plc, but it's best if you check. Lloyds TSB Scotland plc's registered address is in Edinburgh, you can file a claim either in your local court or in the court where the companies registered address is. To my knowledge Edinburgh have never granted a sist in bank charges claims.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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If your account is with the Elgin branch then this is part of Lloyds TSB Scotland plc.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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HI Rory the bank is TSB Scotland plc, does that mean I should have sent my request for payment and LBA to Edinburgh and not to the English Addresses is so I will have to start from the beginning again.

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If you are going to claim against Lloyds TSB Scotland plc in Edinburgh I think it would be wise to send the initial approach and then the letter before action to Lloyds TSB Scotland plc just to remove any wriggle room that they might have.

 

Registered address is:

LLOYDS TSB SCOTLAND PLC

HENRY DUNCAN HOUSE

120 GEORGE STREET

EDINBURGH

EH2 4LH

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi,

 

I've had two successful claims against BOS in Edinburgh, before the 'test case' announcement. I believe that they are still processing claims.

My third claim against them is with FOS and I'm almost there.:wink:

 

Regards.

 

Scott.

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I cannot remember which thread I was writing to yesterday when I said I was going to Court today about BOS sisting a claim I am doing for my son. Anyway I had what I thought was all that was needed and off I went. The court started 9.45 I was told to be there for 10am. I was early since I wanted to know if there were anybody else against banks, There were none. My case came up at 11am at 11.30 it was still going. The lawyer for B.O.S. had pages and pages. The judge told me to sit down until the lawyer finished. This was a different type of lawyer from all my other cases. He was complete with wig!! Actually I think he made an own goal because he said that the OFT case started in Jan and should be over in March. This was against my saying the case could last for years with appeals etc. The judge looked at my case and asked why the BOS was asking for a sist when the hearing date for my case was 28th. March. The the lawyer sai9d it might not be over. I said see!!!! The judge then said he wanted to think it over and would let us know his what he decided later. It was now noon Coffee break time I think. When court resumed we went through a bit more my telling the judgte what a difference there was between a lawyer and some one like me. Had I known the amount of papers he had I would have done a bit more homework. I said to the judge I did not mind a sist to the 28th. March when the case would come up. The judge then said he was not allowing the sist :D :D :D So it pays to fight them!!!

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Well done texel :D

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Yes, great result, Texel.:)

 

 

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks Scott for your encouragment will see what happens with my case.

 

 

Hi,

 

I've had two successful claims against BOS in Edinburgh, before the 'test case' announcement. I believe that they are still processing claims.

My third claim against them is with FOS and I'm almost there.:wink:

 

Regards.

 

Scott.

 

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The banks solicitor may have had tons of papers, but most of the time it is used as 'window dressing' insofar as he may be carrying the full text of Laws, Acts of Parliament and previous High Court decisions (and not always relevant to your action)! There's nothing stopping you turning up with a wheelbarrow of papers either...

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