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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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    • 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
      • 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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unjust charges


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after almost 2 month i have received a reply which states:

the supreme court decided that as long as they are clearly set out, the level of unarranged overdraft fees cannot be assessed for fairness under the unfair terms in consumer contract regulations.

we believe you feel the charges are unfair and high however the outcome of the legal proceedings means theses fee are not penalties and under regulations the level of the fee is a reason for finding them unfair!?!?!

as a result we won’t be upholding your complaint or providing a refund of the fees.

please advsie what i can to from here as theses *ankers have taken over £450 from me and telling is it not unfair! is there anything that can be done?????

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have another go anyway! email eric danieles the ceo

eric.daniels@lloydstsb.co.uk (the banks are linked now that the gov. have bailed them)...he doesnt reply, but youll get final response from the ceo's office....

the f.o.s. would also sort it more favourably (i believe) if you based it on "snowballing charges"

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  • 4 years later...
Hi,

I have received a letter from Halifax in the post for a loan i took out just about 6 years ago.

 

It is a form to fill about Payment Protection Insurance.

 

I remember taking the loan out on the internet,

but obviously I can't remember ticking a box for PPI or an explanation about why I need to take it out.

 

The fact that they have sent me a letter suggests I may have a case to reclaim this money.

 

Can anyone advise on what grounds I would have to claim this back?

 

I have filled on some of the forms, and have my document checklist of CCA,

Policy Booklet and Demands and Needs Statement.

 

I was part-time when I took the loan out and I still am.

 

The questions I am not sure what to answer with are:-

Why did you decide to take out a PPI Policy?

Why are you unhappy with your policy?

What information were you given before you took out the insurance?

Can anyone guide me as to what type of answers i am looking for?

 

Any help would be greatly appreciated as this is a great forum,

sometimes there is too much information to take in!

Thanks

Jane

 

 

I have received the same letter.

 

I do want to claim back the PPI but not sure how to answer the same questions above to get a result.

 

What actually happened is the fact i took the PPI only on the basis that i can cancel it within 30 days

but when i did call back to cancel i was told that i need to do a new loan application !??!?!

 

I'm sure it was within the 30 day period.

 

but legally they should have canceled it.

 

i don remember receiving document on the cancellation policy of the PPI etc.

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own thread created

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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pers i'd never use their forms

 

use the FOS questionnaire

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I had a similar letter. Completed and returned the forms as they asked, sent April 30th.

 

Also sent a SAR to Hx, so I can check for myself before accepting any offer. I know there were excessive charges made, prior to the OFT £12 ruling. They also messed me about back in 2006 after I had lost my job. They took payments for the card from my bank account, making direct debits for electricity and gas bounce as I was having to borrow money from family as I received no benefits. I got into all sorts of trouble, but they didn't take any notice of putting the account in dispute.

 

I'm quite looking forward the seeing the SAR, and claiming back any charges and interest added, as well as the PPI. Yes, they passed the account on to a debt collection agency but it's now statue barred. :madgrin:

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Joox - if this is what you were told by Halifax regarding cancellation, then this should be the basis of your complaint

 

I was going to to mention this but cant remember if i was sent full terms of the PPI and cancellation policy along with the loan. I don't want to mess things up.

 

and what does it matter how the loan was used ?

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The information that they gave you verbally was misleading - whether or not they also gave you the correct information in small print at a later date would not over-rule this.

 

 

In terms of what the loan was used for, this is generally not something that would greatly affect the case. However if you were consolidating debts and thus more likely to consolidate again in the near future this would make a single premium policy more unsuitable

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  • 1 month later...

I returned the Halifax PPI form about a months ago and recently received a phone call which pretty much asked the same questions. I was told I will receive a letter soon with their decision. have not heard anything. how long does this process normally take?

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Give them a call and ask - you'll need your claim reference, which is on the letters they send.

 

0800 151 0293 if a freephone number, 0845 601 4034 is on their letters and that comes back as 0113 279 8302 on the SayNoTo0870 site :-)

 

I sent my forms 30th April and got the offer on 10th June, the cheque arrived on the 21st June.

Edited by hillards
added date of cheque arrival

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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ok so I have back and they have made an offer.

 

my loan was around £3500 over 6 years ago.

what amount would be reasonable ad acceptable in your opinion?

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how would we know?

 

have you got the statements

or

the agreement to check it?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok so I have back and they have made an offer.

 

my loan was around £3500 over 6 years ago.

what amount would be reasonable ad acceptable in your opinion?

Impossible to say as we don't know any of the details that they will have used to work out their offer.

 

In my case I accepted their offer as I was unable to work it out fully from the pile of information they sent me when I did a SAR. The statements and original agreement were there, but I don't have a maths degree and the figure they offered me was slightly higher than what I had anticipated.

 

It will depend on what amount of PPI was applied, if you kept up with payments, if the account defaulted, what direction the wind was blowing at 6.41am on April 1st...

 

Only you will know what is reasonable and acceptable.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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thanks..Just wanted to know a ball park figure from the other refunds.

Will try to read through all the paper work and try to work out. I was hoping for slightly more round number but i will probably accept their offer.

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Every claim is different, not just the original amount borrowed and the amount of PPI applied but also the date when the loan started, how many payments were made and much more.

 

The company lending the money know those figures, you may do too, but unless you've gone into a lot more detail on here in sharing that sort of information, we can't tell you if you would get a penny or a million quid. You can't even make comparisons with similar cases as they would not have the same figures and could be older or newer than yours. Time is a factor when working out percentages on the interest.

 

A value of £100 from exactly 10 years ago to the day would attract interest at 8% of £115.98, making a claim on £100 worth £215.98. But, if the claim was only 5 years old that same £100 would only give 8% interest of £46.96, a total of £146.96.

 

If you had all your statements and everything you could have worked it out, there are plenty of guides here on CAG, including those in dx100uk's signature ;-)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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