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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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Bank Charges Campaign Continues


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I have never even managed to post a link successfully despite following the instructions to the letter, and I have tried to post about 100.

 

I'll have a go tomorrow, but with my (lack of) expertise it would probably be much quicker if someone on the site did it.

 

DD

 

:lol: ok....understood

 

ims

 

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Did you get an email from the petition site and follow the link in it? I think it then confirms that your signature's been added to the petition then DD.

 

To copy the link just highlight it, press CTRL and C then go to you user CP, scroll down to your signature and click on it, then do CTRL V and the link should paste there.

 

I too am astonished at how few people seem to support campaigns and petitions for issues that affect so many millions of people. I don't know what it takes to stir people to take action. :???::-(

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you, caro. I'll try that tomorrow.

 

Yes, I did get the email link from No. 10 Petitions and hit it, and it said my name had been added to the petition. I'm sure there must be other people on CAG who have signed this in the last three days.

 

The rioters had a great success with Facebook and Twitter. I'm not on either, but maybe Caggers who are could try and spread the word there?

 

DD

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I have posted it on my FB page.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I think one of the major things is complacency inasmuch as people are generally not interested unless it affects them directly.

 

People tend to jog along with their lives quite happily as long as things are going ok. They have no interest unless they are suddenly hit by some bad fortune and are caught up in the issue directly. Then of course they are all for any petition that has a direct bearing on their situation.

 

Coming to, and getting involved in, a place like CAG broadens the mind and people start to get an empathic view of the problems that others are experiencing.

 

Having said that, although CAG has thousands of members, how many of them come here, solve their problem and then disappear. The number of regular contributors is probably relatively small. That is not to say that those regulars can't be motivated. Perhaps one way is that when we are on a thread with a "regular" , invite them to look at your signature and support the petition. Its a direct approach and wouldn't be classed as hijacking a thread.

 

The other thing that may help is to plant and nurcher the idea that the petition is very much to do with the banks being the bad guys rather than the man in the street just whingeing.

 

Regards

 

ims

 

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I signed the petition ages ago when it was in single figures! now it's on 16!Maybe we need to drop it into conversation in the Banking threads!

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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Good thinking NO. I've added a link in the thread about GLCs case, one in the general bank forum in a thread by phoenix11 encouraging people to email MPs, and also posted an article for the CAG mag. If you see other opportunities to promote it please feel free. :-D

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well done Caro.......thats bumped it up to 26! :D

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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Well done Caro.......thats bumped it up to 26! :D

 

Whoopy dooo!! Only another 99,974 to go!! :madgrin:

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Cheers els. x :-D

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for the info 'termi.......makes interesting reading.

 

E-petiton now up to 41!

Please sign the E-petition below peeps.

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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I don't know who the person is who started the petition or if it can be corrected. It was the content of it I liked.

 

Up to 330 now. I guess some people will have had the newsletter.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Could well be ims. I think citb may be able to enlighten us a bit.:-D

 

I see the banks still think they should be left alone to get on with making a mess of things. They've had years to sort things out, so IMO it's time for intervention and proper regulation. They make out it's customers who'll end up paying more if there's reform now. Who do they think is paying now!!!!:-x

 

Thank goodness for Vince Cable.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Could well be ims. I think citb may be able to enlighten us a bit.:-D

 

I see the banks still think they should be left alone to get on with making a mess of things. They've had years to sort things out, so IMO it's time for intervention and proper regulation. They make out it's customers who'll end up paying more if there's reform now. Who do they think is paying now!!!!:-x

 

Thank goodness for Vince Cable.

 

Well whether you agree with Vinnie's politics or not, you have to say that the guy has b*lls and appears to be saying the right things.

 

As with a lot of things though, these guys often talk the talk but don't walk the walk so to speak. As you have highlighted, the coalition made very strong promises to the electorate pre-election and since then.....nothing (Vinnie excepted)

 

The pressure groups need somehow to call people to action but it is a very difficult job. Some things need a drip, drip approach until something gives but eventually something actually happens.

 

How we as a relatively small community go about it is a tough call. I guess the best we can do is try and motivate members old and new to spend just 2 minutes to get involved in these petitions. Shout and scream from our own on-line rooftops that people are still being done over by the banks and hope that people answer the call or react to those shouts and screams.

 

If we do adopt the philosophy that "what goes around comes around" some day the banks are in for an even bigger shock than they have just had.

 

Regards

 

ims

 

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Could well be ims. I think citb may be able to enlighten us a bit.:-D

 

I see the banks still think they should be left alone to get on with making a mess of things. They've had years to sort things out, so IMO it's time for intervention and proper regulation. They make out it's customers who'll end up paying more if there's reform now. Who do they think is paying now!!!!:-x

 

Thank goodness for Vince Cable.

I still have about 1/4 of the list to send in respect of emails, Caro.. :)

IMHO, it is fairly obvious that banks wanted people to end up with bank charges.. they openly admitted that 30% of income was derived from these.

I am wondering, if they hadnt been so greedy and had just continued to refund those charges whether the PPI issue would have gone unnoticed ?

Now of course, they are Haemorrhaging money, but in the wrong direction :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The banks stated to various Treasury Committee's that the banks used the charges to subsidize their costs, then they covered the actutal cost as well as stating they don't make a profit, it's only with the Supreme Courts Judgement are they saying it's part of there core business.

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743 signatures now. :-D

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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