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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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      • 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
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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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Lloyds PPI


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Hello. I have moved this from lloyds to PPI section. Wondering if you can help. My mother has 2 Lloyds credit cards (Llyods and master card) that she has been paying for last 15 years. Now she can only afford the minimum payments and stuggling as she is on pension credit. I was hoping to reclaim ppi for her but after looking at her credit card statements there is no mention of PPI it just says interestlink3.gif. My mother cannot remember if she took out PPI or not. Is there a way to find out or should it say PPI on the credit card statement.

 

Regards

 

T

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it should state it

 

poss issue a CCA to both to find out

also reclaim all the late/overlimit fees + int if she has them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks Dx. I will send off the CCA requests today as she has had a few late payment charges too over the years.

 

If there is no PPI to claim back i want to at least try get her credit card payments down as she is only on state pension credit and dosent even use her credit card that much. She is in a minimum payment trap and paying £200 per month for years without her balance coming down. I have only just seen this and was shocked at what shes been trying to pay each month out of her pension.

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Hi Craigbadger. Not sent off CCA yet. i have been reading the posts over last few days regarding CCA requests am still at early stages of convincing her to have a look at the posts on the forum regarding this before sending them off. She has always had good credit and not so easy to convert her to the dark side lol

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wow £200PCM, whats the bal?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx. I think its about 11,000 total over the 2 cards. It's just under £200 pcm paying around £90 for each card, with about £20 of this being offset against the balance. She's being paying the minimum payment fee but she said sometimes paying just under the minimum fee. I can get the exact figures tomorrow.

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Hi Craigbadger. Not sent off CCA yet. i have been reading the posts over last few days regarding CCA requests am still at early stages of convincing her to have a look at the posts on the forum regarding this before sending them off. She has always had good credit and not so easy to convert her to the dark side lol

 

Banks are out for themselves. My dad didnt speak to me for a week when I started disputing a card :eek:, hes been with companies since 1955 and wont move despite the massive savings.

 

However shes probably paid the balance a few times over. I was at 1 point paying £300 a month and it was dropping about £10 a month, balance had been paid 3 times over so I had no issues with disputing. Wasnt wont pay but cant pay and something had to give.

 

If she has a good credit history and is able to and doesnt want to play any sort of game + has to be serious about paying it off, she could apply for a 0% card and try and make inroads just cut it up and never spend on it. Then reclaim any charges from the others and put them towards the new card. Only problem is she does have a lot of existing debt.

 

Are both card Lloyds?, just seems wierd having 2 cards from the same bank. :-)

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Hi Craigbadger. I think one is master card and other is visa. I think she knows very well now that she will NEVER be able to pay off the credit card. The card just acts as a comfort to her to use in emergency. I will definatly get the CCA sent off once i get her permission as it would also be a comfort to her if it's not enforcable agreement and also look into switching to 0% card option.

 

Many thanks

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