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    • 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.  
    • 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?
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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
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Littlewoods cca/Lowells ***WON***


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:lol: hope it stays that way

SAM

 

that letter must have really got them confused sam ;)

or perhaps they are cutting down on postage costs seeing i was flavour of the month with them 4 weeks ago :grin:

still the week isnt over yet so see we will if i get anything tomorrow:roll:

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me thinks its the last you here from them.

or they will be getting another surprise:D

 

getting excited at the thought

almost as excited as being one post away from 1000.

SAM

 

:D when can we expect to see your 1000th post then

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here it is:p:D

congrats to me on my 1000th post:cool:

shall be gratefull for all presents prizes and tickling of scales

 

 

SAM:pLOWELL DETESTER

 

well done sam and i feel honoured that it happened here

congratulations !!!!!!!!!!:D:)

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well another update !!

Still havent heard from Lowell/red :) BUT got another letter from the OFT today, this is in response to me sending back the permission to disclose forms, and i also included the letter from RED i had received and stated that RED is a trading arm of Lowells and would they consider including this also, anyway here is letter i received today :D

 

Dear ****

 

Consumer Credit Act 1974 (the Act)

Complaint against Lowell Financial Ltd t/as Red debt collection Services

Licence number

 

I acknowledge receipt of your permission to disclose slip received on the 8th July 2009, and i apologise for the delay in responding.

 

I will also take into account the further information you have helpfully given us as we continue to monitor this traders fitness to hold a credit licence.

Thank you once again for taking the time to write to us about this matter.

your sincerely

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well another update !!

Still havent heard from Lowell/red :) BUT got another letter from the OFT today, this is in response to me sending back the permission to disclose forms, and i also included the letter from RED i had received and stated that RED is a trading arm of Lowells and would they consider including this also, anyway here is letter i received today :D

 

Dear ****

 

Consumer Credit Act 1974 (the Act)

Complaint against Lowell Financial Ltd t/as Red debt collection Services

Licence number :D:D:D:D

 

I acknowledge receipt of your permission to disclose slip received on the 8th July 2009, and i apologise for the delay in responding.

 

I will also take into account the further information you have helpfully given us as we continue to monitor this traders fitness to hold a credit licence.

how much monitoring are they going to do before they revoke:evil:

Thank you once again for taking the time to write to us about this matter.

your sincerely

 

SAM

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  • 3 weeks later...

well about 7 weeks have gone by and not heard a peep from lowells/red since sending the last letter (thanks to sam) :D

(not that i am complaining)

is it normal for them to go so quiet for this long

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well about 7 weeks have gone by and not heard a peep from lowells/red since sending the last letter (thanks to sam) :D

(not that i am complaining)

is it normal for them to go so quiet for this long

 

:lol:lowell are not normal though are they.:D

 

kev must want his body parts leaving where they are,so he is keeping quite.

 

plus the fact that he could not answer any of the questions put to him

 

or justify their crap they tried to pull.

 

SAM

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:lol:lowell are not normal though are they.:D

 

kev must want his body parts leaving where they are,so he is keeping quite.

 

plus the fact that he could not answer any of the questions put to him

 

or justify their crap they tried to pull.

 

SAM

 

 

:lol::lol::lol::lol: yes bless him,

perhaps trying to work out yet another name for himself, looks like he has been well and truely stumped by that letter sam ;)

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  • 1 month later...
  • 4 months later...

Hi everyone

 

well after nearly 7 months of not hearing anything from Lowells they have now sent me a humongus letter.

 

Bacically they are saying they nor littlewoods consider this is in dispute, they have sent lots of pages of items they say have been ordered ,

 

In the letter it states

" Under section 77/78 of CCA act 1974 the creditor is not obliged to send a exact copy , but a true copy of the version i would have signed together with up to date terms and conditions"

they are now going to re-start collections activity and they have sent an income and expenditure form

 

Any ideas what to do now ?

As always many thanks for any advice

 

edited just to add they also sent me a prepaid envelope for my reply

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Bump anyone?

 

do i have to fill in the income and expenditure form ?

i am on benefits, so have very little being serevely disabled, i find it awful that i have to tell these people what benefits i get and how much.

any ideas and help much appreciated

thanks

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No they are not entitled to know what money you get. Only a court can be entitled to that.

 

Also l would right back to them adviseingthat your position has not changed and there foryou consider the account in dispute.

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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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No they are not entitled to know what money you get. Only a court can be entitled to that.

 

Also l would right back to them adviseingthat your position has not changed and there foryou consider the account in dispute.

 

thanks so much for the reply,

i didnt think that they were entitled, but you know what its like when doubt sets in, i didnt know if things had changed.

once again thanks very much appreciated.

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YW.

 

If they get funny just ask them if they will pay your bankruptcy fees. :)

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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YW.

 

If they get funny just ask them if they will pay your bankruptcy fees. :)

 

funnily enough, my other half and i was discussing this last night, and decided that if they carry on will just write to them and say

£1 is being put in a tin each month for my bancruptcy.

But if they wanted to do it for us feel free ;)

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funnily enough, my other half and i was discussing this last night, and decided that if they carry on will just write to them and say

£1 is being put in a tin each month for my bancruptcy.

But if they wanted to do it for us feel free ;)

 

 

Hi,

I have been reading through your thread and feel so sorry for you. Can a company start asking for payments after 7 months have passed by since their last corresondance to you.

I am about to go into dispute with Litttlewoods now Shop Direct. I didn't have a clue where to start until I found this forum, so I am learning slowly, but I do know Littlewoods will be very hard work. I have recieved 2 letters from them unsigned and one letter where I was refered to as Mrs Burnett. I am not Mrs Burnett, would anyone know if these small irregularties could stop Littlewoods from defending in court.

 

Kind Regards

Elaine

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Bump anyone?

 

do i have to fill in the income and expenditure form ?

i am on benefits, so have very little being serevely disabled, i find it awful that i have to tell these people what benefits i get and how much.

any ideas and help much appreciated

thanks

 

 

I would think that quite a chunk of your income is protected and that it shouldnt be included in any repayment plan.

 

As GM has said, just write back and say that you DO consider it to be in dispute.. and no, you do not have to complete the I&E form.

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