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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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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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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.

      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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enforcement of judgement debt-advice please ?


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Hi To All

 

Just an update.

 

I called the HCEO re registered letter I sent them etc, he said he was not very happy with me stalling him till I got the Stay, I replied I was not happy with...1 Your office telling me you were outside my house with a van...2 Pressuring me to use cc to pay amount...3 constant reminders that you were ' on your way '...4 not heeding my requests to have payment plan. 5 Constant lies from your office.

 

He then said, you will need lots of luck getting your variation order as it is a commercial debt?

 

What a pratt?

 

Mr W

Regards..Mr Worried :)

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Is it a commercial debt, who is it too... this HCEO needs a formal written complaint to the court about his behaviour. Get that done ASAP.

 

Don't forget to counterclaim against charges etc etc etc and against the way they used the courts to enforce this...

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Hi All

 

Commercial debt? I dont know, it is a mate who got ccj v me, is that commercial. ?

 

SG, you have thrown me now, how do I start to look at charges etc, HCEO charges?, I thought my defence would be simple. ie, I + E, form along with proof of my other hassles and lack of monnies.

 

Mr W

Regards..Mr Worried :)

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Hi To All

 

Just an update.

 

I called the HCEO re registered letter I sent them etc, he said he was not very happy with me stalling him till I got the Stay, I replied I was not happy with...1 Your office telling me you were outside my house with a van...2 Pressuring me to use cc to pay amount...3 constant reminders that you were ' on your way '...4 not heeding my requests to have payment plan. 5 Constant lies from your office.

 

Please now stop contacting them - it will do you no good in the long run.

 

He then said, you will need lots of luck getting your variation order as it is a commercial debt? Doesn't matter, he is trying to put you off as he can see his money disappearing.

 

What a pratt?

 

Mr W

 

Was your Stay granted "absolute" or for a period of time and did it depend on you taking other actions - such as going for the Variation?

 

PT

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Hi PT

 

The order states.....Listed for 20 mins to pay by installments.

 

Enforcement is stayed in the Interim.

 

So is my defence gonna be easy, or can I get my teeth stuck into something else, as I am not happy with the figure's quoted.

 

What happens to the HCEO Charges?

 

Mr W

Regards..Mr Worried :)

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Hi PT

 

The order states.....Listed for 20 mins to pay by installments.

 

Enforcement is stayed in the Interim.

 

So is my defence gonna be easy, or can I get my teeth stuck into something else, as I am not happy with the figure's quoted.

 

What happens to the HCEO Charges?

 

Mr W

 

That appears to me that as long as you pay your debt by any agreed instalments then no more enforcement can take place. If your instalments are too much at present you need to reduce them which is why I assume everyone urged you to complete the N245 for a Variation Order - you really need to do this ASAP or otherwise there will be every justification for them asking for the Stay to be lifted and enforcement continue - although you can't get blood out of a stone. The Writ itself is only valid for a year but may be renewed upon request so may not go away.

 

PT

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Hadn't realised you have a separate Hearing date. If this is for your Variation have you got together your I & E to prove you can't afford the present payments but can make an alternative albeit at a much lower rate.

 

PT

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Hi PT

 

Seperate date?

 

All I have is the date for hearing as regards the stay, I explained in my reasons for stay was because I could not afford the repayments previously agreed, so I believe by the desciption of stay, that we are to agree monthly payments.

 

My defence should only be I + E, plus a bit of politeness from me, no real sob story because my reasons for not paying

are true.

 

Mr W

Regards..Mr Worried :)

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Hi To ALL

 

I have a court day for Monday 4th Oct, However I have been offered some work away for that week leaving Sunday return following Sunday, will I be able to adjourn this hearing, if so how do I do it?

 

Mr W

Regards..Mr Worried :)

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Hi All

 

I am looking for a little pre-court advise ( Oct 4th ) re the above case, What should my defence be, and how should I se this out.

 

I was going to do a I + E then write a brief description of my downfall ( standard paper )

 

Should I ask for a duty solicitor? or just plead my case.

 

Any help and advise will be appreciated.

 

Mr W

Regards..Mr Worried :)

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  • 2 weeks later...

Hi To All

 

Bloody HCEO, just knocked at the front door, hi HCEO come to remove your goods. I told him re court case and stayed till December hearing, he said, no nowt about that am taken your gear?

 

I smiled and said wait in your car, gave him a copy of the court papers etc, he said ok ta ra.

 

Were they trying it on, how did they not know what went on when in the court room when I was advised that they were on standby re outcome of case.

 

can I complain to courts and them too?

 

Be back later got to nip out.

 

Mr W

Regards..Mr Worried :)

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Hi PT.

 

They bloody knew in my opinion, as the HCEO had the writ of stay from the courts, and on the hearing , the claiment ' my old mate ' called them in front of me and said..no you cant, the judge ruled with Mr W, so they knew ok.

 

Must say tho, I laughed when my OH walked in from the school run and berated, who's that freak in my car parking space, I replied 'nobody' he's just about to leave.

 

Mr W

Regards..Mr Worried :)

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You could but the HCEO will blame the Claimant for not informing them The Claimant in turn will say he sent the paperwork. Now they have had the paperwork on the doorstep gives them no chance of any future excuse - if they try the old he didn't say when he called lark they will get short shrift and the Authorised HCEO could be hauled up in front of the Lord Chancellor.

 

It may pay to register a complaint at the Court but don't hold your breath for too much action at this point. Of course if someone has had a row with his better half over the toast then that could be a different matter.

 

PT

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I think PT is aying any action taken at the moment would probably not be of much interest to a Judge, unless of course he started his day ruffled by an arguement with OH at breakfast and is looking for someone on which to vent his anger. It might pay you to just sit back and give them enough rope to eventually hang themselves with then register your carefully logged and detailed complaint with the court:wink:

 

WD

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