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    • 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.  
    • 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?
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Yes Car Credit & Go Debt


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  • 5 weeks later...

Update.

 

Went to hearing and judge did not really seem interested. I dont even think he read any of the witness statements or had any idea of the case b4 we got in there.. Said the conumer credit argument would not be considered but he did pick up on that i was made to take out the insurances but i had to prove it. So he adjourned the case for a few weeks

 

called stephenson's who wrote to godebt stating the agreement was unenforceable under the consumer credit act.

 

I now have deed of release

Edited by shifty7667
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as per my pm.... glad to hear everything worked out in the end shifty...just a shame you were yet again foiled in dj lottery.....how the hell did he expect you to 'prove it' the agreement as we know is unenforceable and that should have been the end of the matter..the fact he didnt even consider it says it all

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  • 1 month later...

hi, i was looking thru google looking for info about yes car credit and go debt when i came across the threads on here, i was just wondering if anyone could just give me a bit of advise regarding this matter as to be honest with you i dont have a clue about legal matters,

 

around 7 years ago i got a car from yes car credit on finance which was a vauxhaull vectra, (which ran out of petrol at the top of road as i drove out of there) lol, on the same night i was driving into coventry and the engine blew up on me so i got in touch with yes car credit and they told me to take the car back to them and they would give me a replacement, so i did this and when i got there the car they had was an extra £1000 approx but was a better looking car and being young and stupid i just agreed to it as it was the 1st newish car i owned.

 

but once again it wasnt long before i was running into probs with this car aswell, around 3 months later the gearbox went so i got in touch with them again and they said it was wear and tear and they wouldnt fix it, so i went out and paid almost £1000 to have the gear box fixed myself, (aswell as paying the finance) but then other stuff started to go wrong with the car so i said to myself i wont pay them for 3 months to get my £1000 back that i payed for the gearbox, (i wanted to mess them about like i had been messed about) but after about 2 months i went to get in my work van and noticed there was a clamp on my vectra, as i got out my van to inspect it 2 men came and told me they had come to reposess the car which to be honest i wernt too botherd about as i was paying £6000 for a car that was nackerd, but the thing that pi**ed me off is that they wouldnt let me get my personal belongings out of the car.

well i never head anything for a while till i recieved a letter saying they had sold the car at auction for £2700 and that i still owed them £5200. so i phoned them and said how can you sell the car to someone for £2700 and try and charge me £5200 for a car i no longer own and they said it was for the outstanding finance, the intrest, the charges ect ect, so i bassicly told them to take me to court.

 

well once again i didnt hear anything from them till about 12 months ago till i have had go debt trying to get in touch with me after the money i supposedly "OWE" them.

 

the prob i have is that i have moved house twice since i had the car so all the paperwork, agreement ect has been misslaid or lost.

 

i just cant see how someone has got the car for £2700 but they want £5200 for something i dont own.

 

i was just wondering if you could give me some advice about what to do next as i dont want to speak to go debt and have them throw all legal stuff at me that i dont understand.

 

could you please give me any pointers on what to do as i havent got a clue about this kind of thing

 

SORRY ABOUT BIG ESSAY BUT JUST WANT TO LET YOU KNOW AS MUCH AS POSSIBLE,

 

many thanks, rob

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gday mate

 

i see its godebt again

 

my favorite play thing

 

FIRST THING IS YOUR AGREEMENTT IS HISTORY

 

 

HAVE NOSE AND GET BACK TO ME

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?277724-Go-Dept-advise-needed-please&p=3163030&highlight=#post3163030

 

START AT PAGE ONE

 

IT DEFAULTS TO THE LAST

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hi mate,

 

thanks for taking your time to get back to me, can i start off by saying that you are 1 clever person and i must congradulate you on your 100% score against go debt, lol

 

i have read your link and i must say im well impressed with how you know how to put them in their place, but unfortunatly i dont understand what i am supposed to do next with them, i get what your saying about everything MUST go thru the post on paper and not over the phone so i can keep a record but i havent kept any of the letters from them in the past as i have just brushed the problem under the carpet as there is no way i can afford to pay that kind of money for something i dont own, so how do i go about it from now on? do i answer the phone next time they phone and ask them to put everything in writing from now on and take it from there?

 

its good to know that bassicly they cant really do anything about it tho as its my parents house that is getting the phone calls and letters as thats where i lived when i had the car and they are getting worried about it. (they must be coming the bully like people have been saying)

 

im sorry if i sound silly mate but ive never had to do anything like this before so its all new to me and im just glad i found this forum to speak to people that does actually know about this kind of thing.

 

many thanks, rob

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Your Street

Town

City

Postcode

 

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

 

 

[NAME HERE]

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thanks again for your time to get back to me,

 

i will get them sent to them and will keep you informed of how it is going mate,

 

yeah could you send me their adrress please, should i send both letters at same time or 1 before the other?

 

many thanks, rob

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