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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • 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 concenquences 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?
    • 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 
        • 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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Cheekiness towards a DCA


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Scotcall followed on from Credit Solutions in trying to chase me for the same debt.....even they've gone quiet now & ive heard nothing from them for a while after they went through a crazy streak for a month or so & then realized it was better for them if they didnt contact me ;)

 

I want to scream from the highest rooftop.....

 

Is there anyone in DCA land who wants to take me on? :D

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The worst thing is I don't sleep now.

 

When I owed the money I slept all night.

 

Now I lay awake all night thinking of my next telephone call, I'll think, 'That's funny' jump up, run downstairs and make a note next to the PC.

 

I still like the Idea of them ringing a crime scene ;)

 

Jogs

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Its taken me four hours to read, but this thread has given me wonderful ideas.

 

I can't wait for my next DCA phonecall now-I've learnt the theory, now I want the practical exam!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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When I sent a **** off the accounts in dispute letter to a new DCA I demanded a fiver to pay for postage. When they wrote back saying no, I wrote back a formal complaint, asked for a copy of their complaints procedure and doubled the bill.

 

I told them that their actions had caused me a financial loss when they weren't allowed to ask for money, it was totally avoidable on their part, so cough up immediately or I was going to report them to the FOS.

 

(I saw somewhere that the FOS ignore complaints that don't leave you financially disadvantaged)

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Its taken me four hours to read, but this thread has given me wonderful ideas.

 

I can't wait for my next DCA phonecall now-I've learnt the theory, now I want the practical exam!

 

 

I bet you'll have to wait ages now Emma - the b******s never ring when you want them to!

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Many contributors to this thread owe us new keyboards :D

 

And you could get a DCA to chase the money so we could have more fuN!:p

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

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next ones that call me are going to get the crime scene treatment i think. Just to here there voice shaking.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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The DCA staff are all too busy reading this thread and no longer have the time to send us any threat-o-grams. :p

 

Moorcroft are getting 4 letters from me on monday morning. I always time my annoying letters to them to arrive on a monday morning. It's the worst time of the week to have to deal with peeps like me, who hassle them with legal stuff they prefer to ignore.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Next time one of them calls I'm going to pretend to be a clown booking agency, and seeing as they are so interested in speaking to me prehaps I should come round and entertain them at work, with plenty of red hot custard tarts lol

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Pretending to be very drunk and slurring your words works quite well. Then they say, "Well if you can afford alcohol,you can afford to pay us."

Then I say, "Yesssshh, tooooo right matey skip. But alas cannot pay you, because you have yet to prove I owe you anything." Burp loudly and hang up." :razz:

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Aaargh!! Why won't they ring me lol I used to dread the phonecalls now I want more :p

 

I don't wait for calls from them. I ring them. I'm sure a warning flashes up on their computer screen when I call. I've even got a cheap mobile phone and disposable sim card, so I can hassle them from work too.

 

No amount of training can ever prepare a DCA call centre monkey for when fuzzybobble calls.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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How about pretending they've rung 999 and then telling them the police are coming to do them for hoax calls.

 

Excellent :D

 

The 999 operator's script is 'EMERGENCY, which service? Fire, police or ambulance?'

 

Then, when they refuse to answer, say you have to transfer all hoax calls to the police ;)

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Excellent :D

 

The 999 operator's script is 'EMERGENCY, which service? Fire, police or ambulance?'

 

Then, when they refuse to answer, say you have to transfer all hoax calls to the police ;)

 

Good one!

 

I hope inpersonating the emergency services is not a crime though! I'm sure the DCA's will say it is.

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