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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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    • If you are buying a used car – you need to read this survival guide.
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    • 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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Andy v CapOne


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No, problem, as long as that's what you need, I'm not to good with 'bundles' :rolleyes:

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, Andy.

 

I'll try to get someone to help you, I'd help you myself but the systems different in Scotland :rolleyes:

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I think you need the advanced bundle-give me a minute.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Dont speak of leaving this now-this is the most important stage of the claim.What you will be supplying now will be crucial.Its something most will have to do-The first one is always hardest.Just be patient and if theres anything you dont understand then ask.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You can begin by downloading case laws as advised.do 3 copies of everything incl account statements letters etc.

Theres no need to do copies that the other side or Court may have-so for example you dont have to do statements for the other side-likewise you dont have to do copy court docs for the court-they already have these.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I see BRW is here maybe he can offer more....I have to go.

You can address individual points such as defaults etc in your witness statement.

 

Get to it...........

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Martin3030 and Andy!

 

I see BRW is here maybe he can offer more....I have to go.
I regret I've only dropped in as it's on my Watch List...I regret I'm not up to speed on the case at all.

 

However, if it is any help at all Andy, just slow yourself down and plod though the issues one step at a time.

 

I see you have the Hearing on the 20th, so it's close, but you have from now until Thursday Night to get this pulled together. That may not seem long, but it's a lot of time if you work steadily through the issues.

 

Re-Reading your own Thread is not a bad place to start, and sit down with a cup of Tea and a notepad, and scribble down anything useful that you may have forgotten about.

 

Next step is to sit back and write out, in big headings only, what it is you are Claiming. IOW, what do you want from CapitalOne?

 

It's vital that you have a clear idea of the key points. Once you have them lined up, then stick each onto a Sheet of A4, and jot down the winning issues. Make a note of anything you need to back up the key points and issues, such as Case Law, or any CAG Documents that are known to help your case.

 

Then make sure you have those Documents.

 

Then look at the Trial Bundle links that Martin3030 has added, and see how one is assembled. It's nothing to get too daunted by, and is mainly a case of organising what you need to see in your bundle.

 

Start pulling the Folders together on your PC ready for Printing...but don't Print them yet, just start getting them ready. Give the Folders Numbers if you like, so they start to line up in the right order, then change the numbers as needed if you need to add others, i.e.:

 

001 Folder - My N1 and POC

005 Folder - Anything else very useful

010 Folder - Anything else sort of useful

 

If you need to add something you've just spotted, then by leaving numbering gaps, you can inset an extra Folder, i.e.:

 

001 Folder - My N1 and POC

005 Folder - Anything else very useful

007 Folder - Something useful I've just found

010 Folder - Anything else sort of useful

 

Soon you will start to gather the bumf together.

 

But keep going back to the main Claim points, and make sure you know what documents you may need to refer to to back up each one, and make sure you can find them on the day when needed.

 

Once you have the bumf all lined up, then Print them out, and insert into a large A4 Lever Arch Ring Binder File.

 

Use Cardboard Dividers or Tags of some sort that stick out to help you find things.

 

When all looking good, add Page Numbers to the bottom Right...but in PENCIL, so you can rub them out and re-do them if needed.

 

You can use Section Page Numbers if that helps:

 

Master Index

 

Section A Card Divider

 

Page A1 to Page A20

 

Section B Card Divider

 

Page B1 to Page B15

 

Section C Card Divider

 

Page C1 to C24

That way you can keep Page Numbers intact for a Section, and if, say, Section C needs an extra page or two, you don't need to re-number Sections A and B.

 

Right, when done, then practice what you want to say, and practice finding the bumf you may need to back it up. Write out a DIY Guide for yourself for use on the day, so that you know what each key issue needs, and where that can be found, for example:

 

My Argument One:

 

References:

 

Document 1 - Section B Page B5

Document 6 - Section C Page 15

You'll soon get the hang of it.

 

If time, create an Index as well, that is at the front, so ALL Documents have page numbers listed against them, so if you get hit by a wobbly in Court and know which document would help, the Index will let you go to it quickly.

 

Finally, Print off two extra copies on Thursday Night for the Judge and for the Enemy! Quickly Page Number them, and add Card Dividers if time...but if you do have an Index, add a copy for them, and make sure it matches yours so on the day, you can all go to the right page.

 

Finally, after all this, I bet CapitalOne will not turn up! But if you do all of this and they don't bother to show and you win, how pleased will you be.

 

...and how annoyed would you be to pull out now knowing they may not even bother to show!

 

Take this all the way, and give them hell!

 

Sorry this is just general, but as I'm not bogged down in the case, I can take a step back and try and help you to get an overview.

 

I do hope this helps.

 

Cheers,

BRW

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Very good BRW.......plenty there for him to be getting on with.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Andy!

 

Sorry, I mis-read the Court Document, saw 20th March, and thought that was the Hearing Date. I can now see it is just a fee that has to be Paid by then.

 

In that case, you have a fair amount of time yet to play with, and no, you don't need to send anyone any bumf by the 20th.

 

My apologies, I could not see the Hearing Date was in April.

 

Plenty of time then!

 

But, start using it now, or you'll soon run out. Get ahead straight away, because then you will be very well prepared by the Hearing.

 

Cheers,

BRW

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  • 2 weeks later...

just had a very interesting call from capital one on friday, offering me a further £200+ in interest and they would remove the fefault marker on my credit files. told them i wanted all late payment markers too and then would settle. they informed me that they couldnt remove the late payment markers.

 

does anyone know, if it is possible for them to do this or an successful claims before that have manged to remove markers successfully

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just had a very interesting call from capital one on friday, offering me a further £200+ in interest and they would remove the fefault marker on my credit files. told them i wanted all late payment markers too and then would settle. they informed me that they couldnt remove the late payment markers.

 

does anyone know, if it is possible for them to do this or an successful claims before that have manged to remove markers successfully

 

I believe Barclays can do whatever they want with the credit history, they are the "owners" of the information. I've seen threads on here where they have wiped out all bad markers. I think they're just trying hard not to cave in.

 

I think noomills thread is a good one to read, he got barclays to remove all bad markers from his credit history.

 

PmW

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  • 4 weeks later...
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