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    • 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
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
  • Our picks

    • 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

dave and cath against abbey *13k WON WON WON !!!!*


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Good Evening catherine,

 

I have today received a letter for GOGW for a payment of 660.00 against a claim of 3375.00 without interest they are saying they will credit my account within 10 days and if they do not hear from me within 8 weeks they will close the matter. Obviously back to templates and the next letter am driven by your detemination and hope for a speedy outcome. Regards:smile: :-x

 

 

Suzy - keep to your timescales - send back a letter accepting this as a part payment towrds the full amount and you'll continue your claim for the remainder etc..

There is a letter in the template library for this purpose - don't let them throw you off track - keep going you are not far off now!! :D

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Hi Suzy

Abbey paid our money in when they offered to settle and there was no funny business they kept to their word (hard to believe I know!) and even kept the account open which was handy for us as the parachute account we opened would only enable us to have a cash card. However, still only use the account if we need to make a payment by visa! Good luck.

 

Catherinexx:)

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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It is my Daughter's birthday tomorrow and I was going to spend a bit more and it is my money in the fist place I suppose but didn't want to risk anything. Thanks will keep you in the loop about my other claim, which by the way I have had a letter stating they need another 4 weeks to investigate properly I don't think so!

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  • 2 weeks later...

Hi Catherine

Just a quickie, I have heard back from the court that the Abbey have filed that they intend to defend the claim and now have 28 days, am I right in thinking this is the 'norm' for them and just a stalling tactic?

Fiona

8) FoxyFiona

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:) Hi Fiona

 

Sorry for the delay in replying but yes I think they are just trying scare tactics they did this to us but settled in the end. Good luck anything else I can help with just ask away.

Love Catherine

x

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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Here you go Clippy

 

ABBEY NATIONAL PLC

ABBEY NATIONAL HOUSE

2 TRITON SQUARE

REGENT'S PLACE

LONDON

NW1 3AN

:D

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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  • 3 weeks later...

Hi everyone just reading through this thread and felt I needed a bit of morale boosting!! I too am taking Abbey to court for £2300. I have filed my AQ and been waiting now for 2 weeks to hear from the court about a hearing date, and getting very despondent by the day :(. In the meantime I've had a letter from Abbey saying "having looked again at your complaint I regret I cannot agree to refund any charges".....but they have refunded £800 as a GOGW. I'm also getting nervous about getting together a court bundle, in fact my stomach is churning! Please tell me it will all soon be over LOL

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Hi everyone just reading through this thread and felt I needed a bit of morale boosting!! I too am taking Abbey to court for £2300. I have filed my AQ and been waiting now for 2 weeks to hear from the court about a hearing date, and getting very despondent by the day :(. In the meantime I've had a letter from Abbey saying "having looked again at your complaint I regret I cannot agree to refund any charges".....but they have refunded £800 as a GOGW. I'm also getting nervous about getting together a court bundle, in fact my stomach is churning! Please tell me it will all soon be over LOL

 

 

Hiya,

You say Abbey refunded money already as a GOGW? - That's fine there is a letter in the Template library that you can reply with accepting the money as "partial" payment and you are still continuing with your claim for the remainder etc.. - it's a good idea to send that letter to let them know you plan to continue your claim.

 

Abbey seem to settle a lot of claims once a court AQ hearing date has been given - often leaving it till the last day etc.. - have a read about the different "succesful" threads and you'll see the pattern of how they are working etc.. I am sure there will be a case amongst those that will be like your own etc..

 

Hang in there - you got this far and will manage the rest really!! It shouldn't be long for you now as the AQ has gone to court so it will be just a matter of waiting now. Good Luck

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Sorry I could have answered that better for you. You aren't being dim at all - my explanation wasn't very good.

 

Now your AQ papers have been filed - court will write to you giving you a date for the AQ hearing - there is information on here about the AQ hearing in the A-Z section - there is an explanation of the different types of hearings etc.. http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/69359-cant-find-what-youre.html

 

The AQ hearing is where the judge will decide which way the case/claim goes next etc.. and judge will write to you directions etc.. at this time. This is often done "ex parte" where neither side need to attend court - at other times claimant and defendant are invited to attend. You won't need your court bundle for the AQ hearing stage - just the papers/evidence you have so far etc.. will be dealt with at the AQ hearing. Chances are Abbey will pay out before this hearing etc.. so don't worry - just take it as it comes.

 

I have put a link here for the court bundle for you - it's a good idea to download it and start going through it to read etc.. get familiar with it.

 

Attached Fileszip.gifCourt Bundle for CAG.zip (46.1 KB, 1021 views)

I hope that explains a little better for you - I am sure if you read the successful Abbey claims you'll see the patterns of how Abbey seem to be working etc.. Everything you need for your bundle is in this link and then the addition of your own materials of evidence (statements, letters, schedule of charges etc.. etc..) - but wait for the AQ stage to be reached before you put your bundle together - it's just a good idea to read through and be familiar with it.

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Hi Cmonty

You are not the only one who feels dim! I have just put the court claim in for 2500. I feel that I am pretty capable of most things but looking through the process, although bit by bit its clearer, looking at the whole thing in one go looks like an insurmountable mountain!! I write on the calendar when the next step is due because I started all this last year and just let it all slip so had to start again.

I got a letter from Abbey at the deadline date I gave them for a court action saying that they are looking into my claim and I should wait a month to hear something while it is being looked into. Then it could be another month if they are busy! I just carried on regardless with the court action. I think the letter was a delaying tactic and I cant afford to wait any more.

Good luck and take heart from all the success stories here.

Ally

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:) Hi all

Sorry have been out of touch for a while have been under the weather with the old spine problems. Anyway once we filed our AQ they seemed to get the message more and eventually settled in full. If I can be of any help to anyone please let me know.

Catherine

xx

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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Hi Catherine,

Sorry to hear you have been unwell.

I am just completing my AQ following the guidelines on this site on how to fill it in. Did you print off the draft order for directions to go with you form and also did you put anythin in for further information. My claim is a larger one (£9900) so the bit for small claims is irrelevant, I believe. Any help would be appreciated, head getting in a muddle.

Fiona

8) FoxyFiona

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  • 2 weeks later...

Hi Everyone

Have been away from home so apologise for not replying to your messages, but I did not get as far as the draft Order. However, any other questions will be only to happy to help if I can in any way. Good luck to everyone out there.

Catherine

xx:)

:D :D :DMoney in account £13216.66!!!!

GMAC - stmnts rec'vd letter requesting £1662 refund of chrges MCOL on line being issued for ERC

SPML - issued MCOL on 21.11.06!

Kensington - statements received letter requesting £2455.55 refund of charges issuing MCOL for ERC

MBNA - refund £341 offered-sent letter requesting refund of £3846.59 charges!!!!!!

Capital One-going to issue MCOL for £1243!

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  • 2 weeks later...

Hi there everyone, can anyone help please!!!

Ive got my court date which is the 14th of June,hopefully taking Shabby Abbey to the cleaners:p Im trying with no success to sort a court bundle out, im not grasping the example on the court bundle zip which is online, it all seems very confusing, can anyone simplify it, there seems to be alot of stuff that seems irrelavant, to be honest i havent got a clue and im beginning to panic, can anyone perhaps send me a easy version?

Im not thick, honest.lol. Many thanks Jaky

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Hi jaky,

 

Welcome! I've just done my Court bundle. I printed the basic court bundle zip file & then added my own bits -ie- copies of correspondence, an upto date schedule of charges, copies of the bank statements. I was also ordered to do a Witness Statement & Skeleton Argument so I added these too...it ended up at 96 pages but I think it's all relevant.

 

Why don't you start your own thread...there are lots of people in the Abbey forum at a similar stage to you & who will willingly help guide you through this stage.

 

Goodluck!

 

Villafan

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Hi Villafan,

Many thanks for your prompt advice, i wasnt actually sure whether you actually used all of it, on reading it now i understand it a bit better i hope!

Thanks again Jaky

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Hi everyone,I'm new posting to this site, have been reading threads for claims of over 5k. We are waiting for a response to our LBA sent to the Abbey 10 days ago, where we have offered to settle for 75% of total amount without interest (approx 9k total). Just a quick question (apologies if repeated) I haven't split the claim when sending Shabbey details of the charges we are reclaiming, so when I file MCOL can I then split it or do I have to claim the whole lot in one go? Was thinking of claiming in husbands name and then a separate claim in my name (joint a/c) to keep both amounts under 5k. Sorry to ramble and be thick,:o any advice would be gratefully accepted as don't qualify for any legal aid:confused: Thanks in advance:)

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Hi Mrsouzet,

if i were you i would split the claim into 2 then you can be sure it will go to the small claims, i have just had a good result from Shabbey yesterday after no communication from them for over 5 months, my claim(court date 12th June)was for nearly 7k of which £4987 was charges the rest int and £250 court fee, i was so stressed worrying wether it wouldnt get to the small claims.

A very nice man rang me out of the blue yesterday from Shabbey who first informed me of Lloyds TSB,S success in court(i thought at this point i was doomed in ever getting the charges back)he then proceeded with the charges are lawfull etc,etc,etc, then he asked would i be willing to settle out of court, he offered me 5k,i refused and told him no less then 6.5k, i was apologetic that i couldnt accept any less as i had 2 little ones to support, he was actually human and said that in light of my family circumstances he would have a cheque printed in 15 minutes and i would recieve it by the weekend, gobsmacked, he was so polite and i was back, it doesnt cost anything to be nice to people and in my case its got me a settlement im so happy with and i can stop stressing about the thought of having to go and stand before a judge,believe me its not that scary when your in letter mode but when your hearing date comes its sickening, well for me it was, so now i just have to wait if the cheque doesnt arrive by Saturday he,s told me to ring him on his direct line and he,ll sort it, i dont doubt him either,as he was so, so, nice,SUCCESS AT LAST.

Keep at all you Shabbey claimers your red letter day WILL come,

Good Luck,

Jaky:D :D :D :D :D :D

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