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    • Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • 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.  
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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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ICO and bypassing the DCA's


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I would urge everyone to check the default dates registered by this company as I have found incorrect dates on all three of my credit reports and my sisters have incorrect dates as well.

Lowell seem to think that when they purchase a debt they have the right to register there own default date which is against the Data Protection Act 1998.

I'm not 100% sure they even own my alleged debt.

 

Only the original creditor can register the default date and ICO guidelines state it must be accurate.

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Only the original creditor can register the default date and ICO guidelines state it must be accurate.

 

If they bought the debt, they can transfer the defult to their name.

 

As you point out however, they cannot alter the date.

 

David

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I have copies of my credit report from all three of the CRA's. On one theres a double entry from the OC and Lowell with different default dates. On another theres an entry from Lowell with another default date and the same with the third CR. It just goes to show the total disregard for the rules of the Data Protection Act 1998.

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i think it also shows that cra's work hand in glove with dca's i never check mine, it seems moment people do all the dca's come crawling out of the woodwork, why worry about them, either you can credit (if youre silly enough to get back on the treadmill) or you cant...

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I spoke to ICO at length today and they are well aware of the CRA's and DCA practices. They even suggested that they may purposely file incorrect information in the hope that it will be questioned by the alleged debtor. Thus alerting them. They advised me to go directly to Lowell with my complaints and if I wasn't happy to inform them and the ICO would launch an investigation.

I know this debt becomes SB this year so I'm expecting a last effort from Lowell very soon.

I'm hoping to string them along for a while before making them aware that it is SB!

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  • 3 weeks later...

I'm going to try a new tactic regarding the ICO and DCA's.

 

I have no desire to contact any DCA as I do not consider myself to have any contracts or accounts with them. So I'm going to play the DCA's at there own game. As they constantly deny receiving letters etc etc, I'm going to go straight to the ICO with my complaints.

 

As far as I'm concerned I have written to the DCA's and they have not responded.

 

Even though I have proof from OC regarding incorrect DCA default dates SB debts we all know DCA's will not alter or remove data without going to court.

 

i'll keep you all updated complaints go in this week.

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