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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Getting Charged On Purpose to Increase the Claim


PKea
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Apart from being unethical and lowering yourself to their level what would be the point to pay out money to claim the same amount back (apart from a few pence interest).

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Just curious to know if anybody has now deliberatley caused charges on their account knowing that they will get the money back in the long run.

 

Is this Ethical?

 

Or do the banks deserve it?

 

Thats probably the daftest thing I've ever heard - there's no point it's your money in the first place. You aren't profiting in any way.

 

Actually, no, I've heard dafter. The League Against Cruel Sports recently said that it was going to buy up shooting estates and re-sell them minus the sporting rights and use the proceeds to finance more purchases - HUH? It's one way of getting to the bankruptcy Courts in short order I suppose for anyone who seems determined to do it. It would be like a property developer deciding to buy up perfectly good houses and try to sell them on after having ripped out the floors, walls plumbing and electric out of them.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Thats probably the daftest thing I've ever heard - there's no point it's your money in the first place. You aren't profiting in any way.

 

Actually, no, I've heard dafter. The League Against Cruel Sports recently said that it was going to buy up shooting estates and re-sell them minus the sporting rights and use the proceeds to finance more purchases - HUH? It's one way of getting to the bankruptcy Courts in short order I suppose for anyone who seems determined to do it. It would be like a property developer deciding to buy up perfectly good houses and try to sell them on after having ripped out the floors, walls plumbing and electric out of them.

 

P.

 

Yeah the shootun & untin rights are worth millions and that's what pays for their upkeep The land is usualy rocky & hilly with pleny of scrub for the guns to hide. Silly moo's

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unless you actually have enough money, then run up several thousand in fees and sit back for 5 years and lap up the 8% interest

 

But you would be overdrawn so would be getting charged at least that on the O/D balance. Not to mention the fact that intentionally incurring these fees would be highly illegal.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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I've had two more lots of charges since my prelim letter both of £39 each.

I haven't got them on purpose, in fact one led to the other (as usual)

The only difference now, is I only get momentarily annoyed by it, instead of suicidal!

My husband and I have just applied for a joint account at the Halifax (the bank Im claiming from)..........ya think we will get turned down? lol

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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But you would be overdrawn so would be getting charged at least that on the O/D balance. Not to mention the fact that intentionally incurring these fees would be highly illegal.

 

P.

 

as I said if you had enough money ie if you weren't going to go overdrawn and I think it would be hard to prove intent to create fees as nobody in their right mind would be doing it

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as I said if you had enough money ie if you weren't going to go overdrawn and I think it would be hard to prove intent to create fees as nobody in their right mind would be doing it
Correct

 

A thought does occur though that you could delay by using the maximum amount of time available for you to progress your claim thereby racking up daily charges. For example giving them additional time to respond & so forth.

 

They would have to be cautioned at the outset that interest was accruing daily

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as I said if you had enough money ie if you weren't going to go overdrawn.....

 

Am i missing somethig here, if you dont go overdrawn then what charges will you get?

 

I though that bank charges were for exceeding an overdraft or using one where you dont have that facility.

 

If you have loads of moeny and dont go overdrwn yuo dont get charges do you?

 

:confused:

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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erm ...........charges like unpaid direct debits, and insufficient funds for cheques each carry a £39 charge with the Halifax.

They only allow me an overdraft if I have insufficient funds for the charges...........they charge £28 for this.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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I think we should stop feeding the troll, he or she will get fat and burst, and i dont want body fluids on my shoes, its the devil to get off!!

 

Oh and it ruins the patina!!

 

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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:smile:JonCris

This must be your fantasy as you seem to have hijacked it to voice your opinions.

So fantasise away.

 

I was trying to open up some debate, but you obviously didnt get the point .

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PKea thanks for the thread, I thought there were some really good points to be made, please dont let the arrogance of some put you off.

 

On a lighter note..........If thats what passes for fantasy these days, no wonder women look so miserable lol

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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:smile:JonCris

This must be your fantasy as you seem to have hijacked it to voice your opinions.

So fantasise away.

 

I was trying to open up some debate, but you obviously didnt get the point .

 

PKea

 

Sorry if we missed the point, i cant see how you can logically incur charges to gain a benifit on purpose.

 

Whatever an individuals morals you would open yourself up to a serious fraud charge, in the case of the banks Vs you, as opposed to you Vs bank im sure the police would investigate on their word over yours.

 

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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Share on other sites

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That way you will attract more attention to your story and get more visitors and more help 

 

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