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    • Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • 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.  
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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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      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.

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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.

      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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Abbey Bank microfiche


saraloui69
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Hello everyone

I have wrote the letter to the Abbey asking for my statements of which they have sent me 12 month's and the rest they said are on microfiche. It has now been 43 days since my request, has anbody any ideas on what I can do...

Regards sara:confused:

HSBC Claimed £4200

Capital One Claimed £484

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There is some stuff in the Bank Template Library regarding Data Protection Act Non-Compliance. You should find what you are looking for there.

Plenty of the people here have also had similar problems, read some of thier threads to see what they did.

Hope this is helpful to you.

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

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Sara

 

Have you read through the FAQs? Theres one that sets out the steps to follow, including what letter to send in response to their micrfiche letter.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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hi sara, wife and i are in the same boat, 43days also, already sent reply letter to microfiche arguement, didnt make a blind bit of difference, i think we will estimate our figure useing the statements they sent us for the preliminary letter.

;) [FONT=Comic Sans MS][SIZE=1][U]wayne[/U].[/SIZE][/FONT]

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  • 2 weeks later...

Hello wayne.hunt

I phoned abbey and spoke to this wonderful guy who said they are overwhelmed with people wanting there bank statements, but he would mark it urgent for me and would you believe i had them the following week.

 

Hang in there and you will get them...

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hi sara, wife and i are in the same boat, 43days also, already sent reply letter to microfiche arguement, didnt make a blind bit of difference, i think we will estimate our figure useing the statements they sent us for the preliminary letter.

 

FWIW

 

I dont think anyone does think sending the microfiche argument makes a difference in terms of whether they send the statements through more quickly.

 

What it does is reinforces the point about the deadlines and rejects their representations about the fiche not being part of a relevant filing system,

 

If you dont send it then try to follow a clasim through the courts for failure to comply with the S.A.R - (Subject Access Request) they may try to use their response saying we'll treat it as a normal request for that as an excuse to say you acccepted their position.

 

Send the follow up letters and stick to the step by step approach, its like it is to help you should you end up having to go to court over something.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I have to agree with Glenn, and youcan phone all you like and get the nicest people to talk to, and they all say that they will phone through and get it marked urgent, that happened to me 5 times!! it still took from May to late July to receive then, I would urge people who have come to the end of the 40 days and not received them to report them and file a claim for non compliance

  • Confused 1

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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