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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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Well we are on the slippery slope, and i'm kind of relieved TBH.

 

Had a house extention 5 years ago, had saved like mad for the previous 5 years and finally went ahead in June 2003.

 

June 2003 i was paid off from my job which i earned 35k per annum from, my OH was self employed and worked part time hours so things were tight, very tight.

 

April 2004 i managed to get myself back on the career ladder but had used all our savings and on bills/living costs etc so had to take out a remortgage to pay for the extention.

 

June 2007, had managed to bimble along, no holidays, kids and myself with our argos DIY clippers, OH loreal grey cover once a month...so no excess's at all.

We decided to sell as we wanted to move nearer the OH's parents who live on a sunny island in the channel.....i managed to get a job which paid 5k less but my wifes buisness was doing a lot better as she had went full time.

March 2008, i've been away 3 months and the O/H's buisness has taken a severe down turn so i'm supplementing her income.

June 2008 my O/H's mum passes away, two days later we decided enough was enough we had been struggling for 4 years and are finally beat as my O/H is now down to a meagre income plus the job loss 5 years ago had finally taken it's toll.

 

So we didn't pay Junes mortgage or our secured loan, we are not paying July's, i've secured us a rental property near the father in law and we leave at the begining of August.

 

I know they will come after us for the shortfall after the auction sale, but i have balanced that off against the fact my family will be together my wife will be near her dad and our expenditure drops on a mortgage v's rental by £450....we will send the keys back and just move out, i will not be giving them any forwarding details

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Oh honey - you need to do what's best for you, but haven't you considered putting the house on the market of your own free will and telling the mortgage/loan people what is going on?

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I feel for you, trust me i and many others on this site have been through or is going through similar difficulties. You must do what is right for you and your family but with the knowledge that 'they' will catch up with you. I believe that if you were comfortable with your decision you would not have posted on this site. There is lots of support and advice here. Whatever path you choose I wish you well but don't make a knee jerk decision just think about the options available. Best wishes

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Was put on last year with a local estate agent...1 viewing in 8 months...put with another 3 months ago and again 1 viewing even though we have dropped it by £25k...also put on with a local letting agent a month ago and nothing from them.....

 

We have a mortgage of 121k and a secured loan of 28K house up for 175K, if i sold to one of the home buying companies and i could clear my mortgage, could i still pay the secured loan seperate, or would their charge on the property have to be settled when house sold.

 

I do feel comfortable with walking away, i've never been the worrying type, because i think they can't have what i haven't got.....thanks for the replies, i know i'm not the only one and any advice will be greatly appreciated

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Well, I can't give you any advice, really, as I haven't been in the situation, but you've certainly got my support.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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  • 2 weeks later...
Was put on last year with a local estate agent...1 viewing in 8 months...put with another 3 months ago and again 1 viewing even though we have dropped it by £25k...also put on with a local letting agent a month ago and nothing from them.....

 

We have a mortgage of 121k and a secured loan of 28K house up for 175K, if i sold to one of the home buying companies and i could clear my mortgage, could i still pay the secured loan seperate, or would their charge on the property have to be settled when house sold.

 

I do feel comfortable with walking away, i've never been the worrying type, because i think they can't have what i haven't got.....thanks for the replies, i know i'm not the only one and any advice will be greatly appreciated

 

I really feel for your situation - sometimes things do seem impossible - I wish you well and hope you can work things out.

 

You don't say whether you are on a repayment or interest only type mortgage - would swapping to an interest only mortgage help you to lessen outgoings? Sometime lenders will swap mortgages onto repayment only to help out.

 

This is just a thought - BUT ...

Have you approached you local Council or Housing associations? (social housing organisations within your area?) I'm thinking that many Councils are actually short of "family homes" to place people in etc.. and they do pay rents for private rented property etc.. (with this credit crunch it is going to get worse too)

 

The Council might be looking for homes for famillies who have been made homeless etc.. - Councils have "Homelessness Officers" - who work with people/famillies who are on council housing lists etc. (or maybe try social services dept perhaps) they are often screaming out for good homes for people to live in.

 

What I am thinking is making a few enquiries to these organisations might pay dividends and if you are successful you can then approach your lender to swap mortgage over onto a buy to let type of mortgage etc.. and repayments will be made regularly. If the property is then rented out to cover mortgage - if rent likely to be achieved is lower - then maybe a interest only type mortgage would be fine until the housing market improves. Property will remain yours to sell later on when market improves. (I'm thinking maybe you could negotiate with lender to cover the secured loan into this mortgage maybe)

 

Often Councils and Social Housing Associations are actively looking for good priced homes within areas for housing people within - so maybe you could enquire as to whether they'd be interested in renting or buying your property. I am thinking that where I live the council are buying local homes for housing their tenants in etc.. so I am sure other Local Authorities are doing similar. (you can easily try see what rents are achieved in your area for similar properties by looking on Rightmove.co.uk and use your postcode to view what is going on around where you live - this way you'll be able to establish whether renting house out

 

Seems odd the letting agency haven't found tenants. I'd be tempted to run a few adverts in local free newspapers, supermarket advert boards, shop windows etc.. the kind of places where people look etc..

 

Not sure whether any of this is food for thought and will help you.

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