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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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      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.  

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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.

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      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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HSBC rip off charges Help Please !!


MIKEY DABODEE
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Do HSBC usually acknowledge SAR ?? think dropped booby local branch said could send it through internal post

havent heard a peep about freezing account either

be two weeks tomoz should I send a reminder by recorded delivery

 

And what is correct address to send ??

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what I am trying to do is get account frozen to stop even more OD charges been shoved on, and pay bit off each month to clear it

original OD was £500 most of that charges I owe about £250 of that, now over £800 with all charges/interest etc

and cant afford to clear it all

 

think was told Customer Credit team to contact

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Ah right yes. Just address it to head office as that is where most of these threatening letters come from. You could put a note in with it asking for it to be forwarded to the right department.

HSBC BANK PLC

8 CANADA SQUARE

LONDON

E14 5HQ

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what I am trying to do is get account frozen to stop even more OD charges been shoved on, and pay bit off each month to clear it

original OD was £500 most of that charges I owe about £250 of that, now over £800 with all charges/interest etc

and cant afford to clear it all

 

think was told Customer Credit team to contact

 

Hiya Mike, I doubt very much if HSBC will agree to anything along these lines, they are more likely to offer you a managed loan WHICH YOU SHOULD REFUSE because it will be horrendously expensive and mean you will be in debt for a long time.

 

I think most people end up opening a new account with another bank to handle their day to day finances and once your claim is underway your account will be in dispute and HSBC can do very little legally to recover anything until your dispute is sorted and you get your charges back. while this is happening you can pay what you can afford into the account to reduce the debt you actually owe them.

 

pete

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H.S.B.C have sent me my statements and have refunded the £10 SAR

in response to my first request but because I sent them through the internal post and thought they had ignored my request

I have today SARed them again

 

this time asking for every thing in relation to my account

do I need anything else or should I put in my new claim as soon as possible

 

and can they come after the balance on my overdaraft?? because at the moment I cant afford to pay it off

 

I have a new account with another bank

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and can they come after the balance on my overdaraft?? because at the moment I cant afford to pay it off

 

Hi Mike - as pete said earlier, now that your account is in dispute (they should know it will be from your S.A.R - (Subject Access Request)) they cannot enforce repayment until the amount owing is confirmed.

 

Just follow the lead pete gave you in #33.

- stick to the timetable and if they come demanding repayment just send them an 'Account in 'Dispute' letter.....(available in the templates I think ,but if not just come back and ask)

 

Well done on getting a 'parachute account' - it'll help you manage day to day finances and you can see then how much you can comfortably afford to pay towards reducing your overdraft.

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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thanks Tilly

worked that time

 

do i complete the sheet print it off and send it when i submit my figures to the bank

 

I am a bit confused about the interest

do I ask for it from the outset or a later stage

 

whats usual? want to get it right !

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Hi

 

 

The interest is only added at the court stage,Make your copies with the interest

then save them or print them,and then just delete the interest colum,and send a

copy with your prelim.

 

 

Tilly

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from freaky:You will have to re-calculate the interest up to the day you file at court as the figure will change daily up until that time.

 

What freaky means, Mike, is that you just update the interest on the day you file at court - the calculation is already done for you - clever eh?:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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