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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.
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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
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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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VT v Nat West Bank / * * SETTLED IN FULL * *


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My son is claiming back £320 of charges from 2000 and 2001. We read through the forum and started with the first letter only 10 days ago. Has anybody else noticed that NatWest seem to be on speed? Look at these dates:

 

First letter to branch, request for repayment of charges 17 July

Reply from CS, saying s*d off 21 July

Second letter to 135 Bishopsgate, LBA 23 July

Reply from Stuart Higley, saying p*ss off 25 July

MCOL request filed 27 July

 

Actually, Stuart Higley's name was on the bottom of the letter, but it's pp'd by somebody else, possibly NJ the typist according to the reference? I wonder if Stuart is on holiday or perhaps sick leave? Stress? Overwork? :wink:

 

Thanks very much to everybody who has posted, especially those who have created the spreadsheets and templates. We'd never have got this far without you all!

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Received a Notice of Issue from Northampton CC today. The claim will be deemed to be served on 2nd August, and the defendant has until 16th August to reply.

 

I suppose Cobbett's will file an acknowledgement of service which will give them until 30th August. Then I've got CPR18 to look forward to, and perhaps a 50% offer. It's all so predictable, isn't it? I wonder if they read this forum so they know that we know they know?

 

Roll on September ......

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i think they do know that we know. they properly just taking their time, so that the money can be left invested on stock market or some kinds for couple of more weeks before refunding their customers.

btw, thx again for letting me know that Higley's letter. i thought it was because i didn't send DPA letter nor LBA nor the spreadsheet.

Apple

 

NatWest - MCOL issued 31/07/06; NW acknowledged 03/08/06; NW Defended 31/08/06; Cobbetts offered 60% 27/09/06; NW settled in FULL!!!! 07/10/06

Halifax cc - LBA sent 27/07/06; No Chance

First Direct - Data Protection Act sent 25/07/06; PRELIM sent 07/08/06; Offer received 12/08/06; Refused 18/08/06; 2nd offer rec'd 23/08/06 £1405 without interest (£172) and we accepted:grin:

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Update, NW have filed a defence today so they seem to have stopped hanging about to the last minute.

 

First letter to branch, request for repayment of charges 17 July

Reply from NW customer services, saying 'no way' 21 July

LBA to 135 Bishopsgate, 23 July

Reply from Stuart Higley, saying 'hell will freeze over first' 25 July

MCOL request filed 27 July

Defence filed 2rd August

 

There doesn't seem to be any mention of acknowledgement of service, so does this mean they only have 14 days instead of 28? MCOL help pages say 'The defendant should complete and submit his defence within 14 days of the date of service of the claim, unless an acknowledgement of service was filed, in which case he should respond within 28 days from the date of service.'

 

Where would I find out if an acknowledgement of service was made?

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Update:

 

First letter to branch, requesting repayment of charges 17 July

Reply from NW customer services, saying 'no way' 21 July

LBA to 135 Bishopsgate, 23 July

Reply from Stuart Higley, saying 'hell will freeze over first' 25 July

MCOL request filed 27 July

NatWest defence filed 1st August

(15 days from first letter to filing of NatWest defence).

 

Interestingly, the signature on the Acknowledgement of Service form was A. Rogers, whose mail address as the defendant's solicitor is alex. rogers @rbs co uk

 

Does this mean that NatWest aren't bothering with Cobbett's any more and are doing things themselves? Perhaps that explains why my case has been going through so quickly - nobody is bothering to play Cobbett's games.

 

Is anybody else moving this quickly, or are things being delayed as long as possible?

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Well as you know mine is going through at EXACTLY the same time as you so hopefully we may get an offer soon.

There is so much info that flies around these forums I'm not sure what we are aexpecting to get next. Is it the defence we are witing for now?? an AQ from the court.. It is very confusing isnt it :confused: :confused: :confused:

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Just a quick one.

Have just read a thread by Ms Norverrob, if you havent already had a look. The claim was to be deemed served on 6th and has received a cheque for the full amount today??

Maybe Natwest are trying to clear these claims quickly now. hhhmmmm...

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Today, Friday 4th, I've received a registered letter. My lips are sealed, I can say no more, but I'm VERY, VERY, VERY happy. No need to update anybody any more, I'll write to the Court to cancel my claim.

 

Donation to this site soon ........ but first I'm off out tonight for a slap-up dinner as a 'thank you' from my son.

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Chris and Michelle - thanks for the congrats. I'll stick around to make sure you both get as good a result as I have .... it's only a matter of time. Perhaps even quick enough to be Michelle's holiday spends?

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Just a quick one.

Have just read a thread by Ms Norverrob, if you havent already had a look. The claim was to be deemed served on 6th and has received a cheque for the full amount today??

Maybe Natwest are trying to clear these claims quickly now. hhhmmmm...

 

I've checked back through some posts and MsNorverrob's claim was for round about the same amount as yours (range £750 to £1000), so perhaps you will be lucky too.

 

Another couple of days and perhaps we will be able to draw some conclusions from this week's NatWest responses.

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Congratulations

can we please ask you to take a minute to fill in out survey and also consider making a donation to the site so we can continue to help others reclaim their charges to

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Congratulations, great to see a sucuess story for all of us who are still going. It'll be interesting to see whether Natwest have finally decided to stop throwing money down the drain with Cobbitts.

SNATCHWEST and NOBBETS no scare me!

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Congratulations :D

 

It makes you wonder why these banks havent revised their stupid charges with so many people claiming all their money back, maybe they are still making so much out of us they are still making a massive profit.......

 

SPREAD THE WORD!!!!!

 

LETS BRING THESE GUYS DOWN

 

 

------------------------------------

Natwest Claiming ????

 

*Sent S.A.R request 25th July. (enlocsed £10)

*Received letter requesting payment for £5

*Sent Cheque for £5 with covering letter 18/08/06

--------------------------------------

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  • 1 month later...

Hi there! At the moment I'm in the very last stages. We've both sent in allocation questionnaires. I've paid extra money out to court and I've sent natwest a list of charges and dates. Its a waiting game... does anyone know what happens now? I've been reading I should be offered half(ish) soon?? I will update this soon with dates and actions.....

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