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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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      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.  

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    • 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.

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      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.
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      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

Unenforceable CCA


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Can people advise if this is an enforceable CCA? Its "my copy" I was sent when I took the card out in 2000. Its double sided, and I have another two double sided sheets with the Ts&Cs.

 

Would I be correct to say that its unenforceable because of the section on my credit limit, or lack of the word credit to be more precise?

 

Could I also say its unenforceable as it fails to state a cooling off period?

 

eggccaside1.jpg

 

eggccaside2.jpg

Edited by craigers
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Hi craigers,

 

Yes, this is like the hopefully unenforceable one fully explained over on this thread:

http://www.consumeractiongroup.co.uk/forum/egg/177463-response-our-egg-cca.html

 

However, as you have paid it off, unenforceability is not the issue for you.

 

The general consensus on these boards seems to be that default removal is a long and difficult process with no guarantee of success at the end. I think you have to try and show that it is untrue, defamatory, it has caused you financial problems etc. to have a claim. Have you seen this thread:-

http://www.consumeractiongroup.co.uk/forum/egg/133906-only-successful-rollback-egg.html

 

When were the defaults? They drop off your files automatically after 6 years.

 

Another question. How come you ended up with two defaults on the same account? This is something we are worried about on our Egg accounts which we are planning to stop paying on due to unenforceability issues. However, I have been unable to find a satisfactory answer so far on the question of whether they are allowed to default the same account more than once.

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The two defaults are a result of egg selling my account to Lowell when I entered a DMP. I entered a DMP in March 2005, making token payments for 6 months. For the first two months egg shown my payments as late, then after that they have listed my account as in default. After 2 years on the DMP, in July 2007, they sold my account to Lowell who promptly entered their own account on my CRF. That same month I was lucky enough to be in a position to make a F+F which was accepted. The account is currently shown as settled with both egg and Lowell on my CRF, with September 2007 and August 2007 as the respective settled dates.

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  • 4 weeks later...

I CCAd Egg on 13/02/09. They've replied with their standard give us your signature for security reasons guff. I've sent back a response basically saying that there's no point in sending my signature as it has changed significantly over the years and that they have sent me correspondence without needing a sig before.

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  • 2 weeks later...

There is no consistency with Egg for some inane reason. They sent mine out and l didn't sign my request, l put in a photocopy of my drivers licence and copy of my utility bill.

 

 

They are in default of your request, send them a letter saying as much and include the id.

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  • 2 weeks later...
identical to mine and thats not enforceable

 

cds

 

Hi

 

Could you please tell me why this one isn't enforceable? I've got two Egg agreements very similar to this (here: http://www.consumeractiongroup.co.uk/forum/egg/185135-egg-cca-received-enforceable.html) which I've thought a judge would enforce as they contain the prescribed terms...

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  • 7 months later...

Despite asking for copies of default and termination notices, they have failed to provide them. I do see however from a screen dump that they sent a default letter on xx/xx/xx with a code DRSD 28 days. I'm presuming this letter stated I had 28 days to pay the arrears otherwise a default would be filed and the account terminated. Sure enough the same screen dump shows that a termination letter was sent exactly 28 days later. Sounds like the default notice may be iffy!

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Hi Craigers,

 

That agreement is the same as mine and I am rufusing all payment as its unenforcable. Any letters from them or they have even tried to reassign it, All I do is write to them and state "This account is in dispute - no further correspondence will be entered into"

 

This shuts em up time and time again.

 

I have no assets apart from a joint mortgage (They cant touch that) so I am really wanting them to push me into court and get it over with.

 

I have no income either. Cant get whats not there. I really wish they would push me into court as there is nothing anybody could do.

 

So in my case I am sort of ignoring them. (Im probably wrong, but they have an unenforcable agreement at the end of the day)

 

Wey up your assets and if poss i would advise what I do.

 

Take care

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I seriously think the banks and EGG are clutching at straws!!!!!! Its verging on pathetic. The state that they are all in financially, and the 100,000s of thousands of people defaulting they couldnt even afford to take defaulters to court. And nor will they. This is all a game. They scare people into paying. People who cant or wont, simply dont and there is jack they can do about it!!

Edited by tommo12345
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