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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • 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
  • 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
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I'm about to enter my latest battle and send 3 CCA requests to BLS. They have been ringing most days, occasionally leaving messages to contact them.... Last night with my new confidence I answered the phone.:)

Can I speak to *****?

Can you confirm your post code?

No I don't know if you are who you say you are.

Slight change of tone.....well you have had letters from us please ring the number as we need to speak to you.

No, I want all correspondence in writing.

End of call.:-D

They have a loan, cc and o/d. It was the actions of this bank that started all the problems so I think I'll also send a S.A.R. to check on ALL my charges, I've seen a letter asking for information beyond 6 years.

I don't know which they want to talk to me about so maybe they can all get phone harassment as well! :rolleyes:

Edited by cymruambyth
I need spell check.
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Same here. I got in a mess 6 years ago and believed everything Moorcroft told me.

 

6 years later I get in a mess again due to being made redundant and now I sent Moorcroft packing 3 times. It's ironic that they ended up with 3 of my accounts and now I'm glad they did, as 6 years later I got my own back on them big style. :D

 

Have a read of the "cheekiness to DCA's" thread on this section of the fourm to see what a group of us get up to when DCA's call or when we call them. But be warned the thread will take over 8 hours to read. But it's as good as a classic sitcom. It will make you laugh and realise that DCA's are nothing to be scared of once you discover the CAG and the great bunch of people who make it all possible. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Thanks fuzzy, I have read parts of the cheekiness thread and it has helped to put everything into perspective and given some interesting ways of dealing with DCAs. ;) When you see people applying humour to intimidation it makes it seem less scarey and easier to deal with.

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IMO, DCA's know that they scare us - even those of us who think we've got it all under control.

 

My best advice would be to read and re-read threads and get yourself familiarised with everything.

 

On Friday I received a call back from Trading Standards regarding an email I'd cc'd them into - the guy complimented me on my knowledge of the CCA, telling me he didn't think I needed any advice from him I had it all sussed out! He simply advised me to now contact FOS and to let the OFT know, stating to both that TS had recommended I do this.

 

Wow! They also know about this and other sites and know it's the same names that keep cropping up. The guy seemed very glad that people now know more about their rights. So, keep going, keep reading and you'll get it sorted eventually.

  • Haha 1

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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Since I sent my CCAs and letter saying we would communicate onle in writing the phone has gone up a drive I am speaking to them twice a day to politelytell them that we will only communicate in writing and no I cannot confirm anything.

All 3 letters were sent recorded delivery to PO Box 467E, OX41WA and are not shown as having been delivered.

1 of the accounts is an overdraft so I'm going to send a SAR to Lloyds.

Next week I think I will send a stronger harassment letter Spec Deliv for all 3 accounts.

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I'm a bit rusty but I'm sure that I can string together enough words that will baffle both them and anyone who uses Welsh as their first language. Great idea.

Thanks to everyone on this site who has given me the confidence to answer and not ignore te phone.

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As far as I am aware BLS (who are just a recovery arm of Lloyds Tsb) are not actually based in Oxford and for some unknown reason this is just a postal address and recorded deliveries were never signed for.

 

The address I use for all communication with Lloyds (BLS) is;

 

Consumer Debt Recovery Team

Lloyds TSB plc

Queens Road Quadrant

Brighton BN1 3XJ

 

I always seem to get a reply.

 

If you want to complain try ;

 

Service Recovery Centre,

Lloyds TSB,

125 Colmore Row,

Birmingham

B3 3SF

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My OH had TSB loan cc & o/d about 10 years ago they eventually got passed to BLS. We had loads of phone calls etc... even while we were paying, trying to put amounts up. We sent SAR to BLS they sent a few details but only useless stuff with loads of codes on that we couldn't understand.Then they sold the accounts to 1 st credit. We had paid one off by then but 1st credit have been terrible they just keep putting the amounts up really high all the time. 1st credit are very quick in sending SD's they are bully's :(

Make sure you get your CCA request's in before/in case they sell to 1st credit :)

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I've sent a second, stronger harassment letter to cover all our accounts with BLS (don't know which one they are referring to as I won't give them any information;)).

Phone BLS who confirmed that their address was the PO Box in Oxford......sent it special delivery.......it's being re-directed and will take an extra day to arrive.......due to customer confidentiality theu can't give me the new address.

Surely there must be grounds for a complaint; if so could someone please enlighten me:D.

Thank you

Edited by cymruambyth
typo
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We've had no acknowledgement from BLS from any of our letters. Have now received a threatogram due to our lack of contact....14 days to contact them or court etc. CCA sent 8/9/08, but isn't shown as signed for. 12 & 2 days have passed.

I assume I send a letter complaining about lack of response etc nd request their complaints procedure. I'll send it SD again so that I have proof of delivery to somewhere. Phoned again and was told that their only postal address is the PO Box 457E etc.

If anyone has any further suggestions or advice I would be grateful:)

Thank you

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Is there another address on their letters. It is contrary to company law not to have the registered address of a firm on letters. If the PO box number only is shown then this HAS to be the address to which correspondence is sent to. If this is not the case you need to contact all the regulatory authorities including Companies House and make the usual complaints.

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In minute writing at the bottom it states that BLS collections is a trading name of Lloyds TSB Bank plc and gives their add as 25 Gresham St., London EC2V 7HN. I've sent a SAR recorded delivery to this address, which also hasn't been signed for!

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As I've had no proof of delivery for my CCA and am now receiving threatograms re court etc, should I send an account in dispute letter or SD asking why they haven't replied to the CCA.

Also, do I stop payments?

Thank you

Edited by cymruambyth
typo
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Hi Cymru....you're doing great at the moment, common sense says..what else can you do ? you have a recorded delivery slip that is proof enough of your request !! ....it is more than a reasonable attempt to send them a letter !! If they are ignoring it, then it is at their peril.....as for stopping payment, you are quite within your rights, but obviously the ethics are up to you....

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A letter sent by first class post is deemed delivered two days later. If a letter to an address supplied by a firm is undelivered then that is a matter for Royal Mail and the firm. If a letter is sent by recorded delivery and appears to be unsigned for you have a right to ask RM for an explanation why that is so. You could also ask if it is unsigned for (or undelivered) why has it not been returned to you.

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