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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.
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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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Chaasing a Debt Abroad


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Hi,

My Wife and I moved abroad almost a year ago and while I have an agreement with the Consumer Credit Counselling Service for my difficulties my Wife has tried in vain to pay off her debts.

She has recently sought the advice of the CCCS and they are in the process of combining our plans to ease the pressure on her.

She has today received a letter from Allied International Credit on behalf of Lloys TSB informing her that the matter has been "passed to their legal representatives in our country of residence".

The CCCS have advised her that any UK debt cannot be collected legally abroad so my question is, is this true and if not is this simply a scare tactic on behalf of the DCA?

Regards

Tack

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The CCCS have advised her that any UK debt cannot be collected legally abroad so my question is, is this true and if not is this simply a scare tactic on behalf of the DCA?

Regards

Tack

 

It really depends on where you are, and if a CCJ already exists.

CCA'74 is subject to UK law and courts, so not much to worry about anywhere else, courts in other countries won't be interested and have no jurisdiction if it's unsecured UK debt.

If a CCJ already existed before you left the UK it may be possible to get it enforced in another EU member state, elsewhere it's not worth worrying about. CCA 2006 gives other possibilities within the EU, so beware DCA's quoting '06 stuff if you're actually '74.

 

I think you can be 99% certain it's just a scare tactic. Prepare for more to come, but generally speaking it's likely to be a load of old namby-pamby, shandy drinking, big girls blouse toadie pap.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Hi Tack

Dont worry, they'll send you threatograms worded exactly the same as they would to uk residents. They wont work, for instance, if youre in USA, you'll get a letter maybe from Canada, (Still no juristiction there) But they cant enforce anything.

Its up to you how you proceed, But basically, they know where you live, thats abroad. So they'd look pretty stupid applying for a CCJ against you in a foreign land:D.

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Hi,

Thanks, that will really help. My Wife was really scared yesterday.

Tack

 

I've been trying to think what could further put your mind at rest, and I vaguely remember a comment by Judge Gordon Lingard made to the 'other place',........

 

Q168

Chairman:

Presumably cross-border claims are few and far between?

 

 

District Judge Walker:

Yes.

 

 

District Judge Lingard:

Very few and far between. I do not think I have had one in 12 years.

 

Source http://www.publications.parliament.uk/pa/ld200506/ldselect/ldeucom/118/118.pdf A rather long winded, tough going document, but there are sure to be a few interesting titbits to those at home and abroad, along with http://www.publications.parliament.uk/pa/ld200506/ldselect/ldeucom/210/210i.pdf

 

 

 

 

Secondly, a particular favorite of mine,....

 

"Bulk mail collection letters typically cost 30 pence apiece. U.K. collectors, including NCO Europe, typically send out four to six letters per account to make contact. About 5% of accounts in the UK are suitable for litigation. The point is to go after can-pay or can-pay-more accounts, says Locke, referring to debtors who refuse to pay or who won’t pay an

appropriate amount relative to their financial wherewithal."

 

 

 

 

 

5% ?? What about the other 95% ??

;)

 

 

 

 

 

It's not impossible - just highly unlikely, as the evidence shows.

Relax, and don't lose any sleep over it.

 

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Hi I'm in the same boat as it were, Just ignore them, most of their threats sent to UK addresses are just that threats,As for those sent abroad they aren't worth the paper there printed on. They soon give up wasting their time and money. I even got an SD sent to me abroad (had to laugh at that one, SD sent second class to an unconfirmed overseas address, talk about a waste of money). They really are just a bunch of sad ignorant bullies.

So please don't worry

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