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    • Good luck with that. Most leases don't even follow the majority of the 2002 regulations (too old) let alone the new one. The £250 cap needs to be placed in the lease through a deed of variation and good luck getting freeholders to agree to that. It's not just some magical thing that just caps it one day. Some freeholders are only reducing them through lease extensions at massive costs (essentially buying out the difference in ground rent) and if you're doing that you might as well extend on a peppercorn anyway.
    • Yeah, I would confirm that anyway, as there is a separate sheet where I have to put in those details and my insurance number and driving licence number. That is on page 2 (page one is their allegations) then page three is a statement that you weren't the driver and space to give details who was driving. Page 4 is an empty sheet for a statement to explain the situation. So I will fill out my details as the driver on page 2, admitting I was driving at the time, and then attach my statement as above as a separate sheet. That should hopefully do it at this stage
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
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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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Typically it wont post it :(

 

is it on cag? if it is can you not link the thread and say post number and we can have a look that way if copy and pasting isnt working :-|

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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It is but I cant remember on which thread I saw it.

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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So you reckon I should draft my reclaim letter, wait for official official official confirmation that my account is terminated by ME and not them? As far as I'm concerned it is by me, pretty sure a judge would see it that way?

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So you reckon I should draft my reclaim letter, wait for official official official confirmation that my account is terminated by ME and not them? As far as I'm concerned it is by me, pretty sure a judge would see it that way?

 

Well grantyblade, heres what I would do and I am not saying this is what you should do, its just what I would do:

I would send them the letter saying you want a refund of all unlawful charges ie telephone calls, letters etc. as welcome have stated your account is terminated, maybe ask for the refund by cheque.

 

Then i would keep fighting regarding termination.

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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So you reckon I should draft my reclaim letter, wait for official official official confirmation that my account is terminated by ME and not them? As far as I'm concerned it is by me, pretty sure a judge would see it that way?

 

 

Just my opinion but if it was me....

 

Termination and the charges would be totally separate issues and Id treat them as such.

Id write regarding charges and word it so that you dont feel the account is active.

As for termination I would see what they say regarding that following acceptance letter and the letter you send regarding charges.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Here's a question I keep forgetting to ask

 

As I have already said, I have both a car loan( joint names with my spouse) and personal loan with welcome(only in my name) Welcome branch repeatedly tell me the accounts are linked. For example lets say the loan was in arrears but the car account was fully up to date, can they act on the car account?

 

I don't think they can but welcome have repeatedly said they accounts are linked

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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Ozzywizard: If that message is regarding my question

I think I may have written proff they tried to link the accounts in the notes that arrived with my SAR

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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It is is response to your question the answer being no. However the subject access request is a request via data protection act 1998 asking for all the information a company holds on you. This meens that for the purposes of complying to this request all your information for both accounts will be together and intergrated. However any collections or defaults cannot be sent jointly for both accounts.

 

 

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they cant be 'linked' without you signing something that states such. I too have personal loan and HP they mention please contact us regarding both accounts but other than that they arent in any way linked. they were signed separately and thats how they stay as far as I know. Agree with ozzy keep everything in writing they are very good at hanging themselves

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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they cant be 'linked' without you signing something that states such. I too have personal loan and HP they mention please contact us regarding both accounts but other than that they arent in any way linked. they were signed separately and thats how they stay as far as I know. Agree with ozzy keep everything in writing they are very good at hanging themselves

 

Thats what I thought thank you both for confirming this.

 

Nothing was ever signed saying anything could be linked so.:D

 

I have kept everything in writing since a particulary nasty call from account manager who wanted card details (told them no chance). This was prior to receiving the DN.

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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sent my claim for unlawful charges. Just a 14 day wait to see what they do now

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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sent my claim for unlawful charges. Just a 14 day wait to see what they do now

 

 

Everything crossed for you they pay up without a fight :D

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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have you wrote your letter to claim your telephone charges

Yes and letter charges, outside calls

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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Everything crossed for you they pay up without a fight :D

 

Thanks so do I. Hope everything goes well in your case too

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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Thanks so do I. Hope everything goes well in your case too

 

Thank you :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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I am sure i seen a copy of your letter on the thread but now i cant find it.

 

I was hoping to copy it to send to them to get mine returned.

 

I took it down recently. I still have it. I can Pm you with it if you want me too

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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If you can i would be very grateful

Done :D

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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  • 1 month later...

Update: The account was put in dispute over 14 days ago as they have not produced a credit agreement for the car.

What should I be doing now?

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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Anybody???

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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have u sent sar?

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Yes, it was sent and has been received back- there was no credit agreement for the car

Any advice is freely given. Most of the advice given is information I have learnt from CAG and fellow Caggers. I am in no way legally trained, so please do not take my advice/opinion as gospel

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