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    • 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 
    • 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
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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
      • 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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Little old me V HSBC - Claim form now received


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i did with cccs but they said it had to be joint names on the proposal, but i don't want her name on it as that will imply she's at fault for the debts and she isn't, i may phone up payplan and find out what they say? or i don't know if an iva would suit me?

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thought so, may try the dmp route but with just my name on it (deservedly..) they can trash my credit rating which they have done, but my wifes i want to keep safe which it should be? as it's all in my name?

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Still don't know if it's worth me sending off the cca request though? people seem to think i can win on the back of the invalid dn and the final demand they've said only liable for the interest etc? am up and down like a yo yo today sorry!!!

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Hi babybear! just checked my phone and have nine missed calls from hsbc today from 1 o'clock onwards have it set up on my mobile that all the collection numbers that have rung me go straight to answer phone!!!! Not one message, so how come they desperately want to talk to me but won't leave one message? and do i talk to them or just insist on letters only? thanks in advance...

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  • 2 weeks later...

Hi babybear! Quick question as i've not had a peep out of them for a week? should i just pay a pound off the account now it's in dispute, even though they've not acknowledged it as yet? Or carry on and not pay anything as a couple of people have said? Much appreciated for your help...

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Hi bilious :)

 

The CCA should be through in a couple of days, (because they have 12 +2 days to comply) ...... so why not wait till that arrives ..... if there is anything iffy in there , then the account is in dispute and they can't chase you for it ...... although they'll try ......

 

Meanwhile ,if you don't want telephone harassment , write and tell them so ....... log any calls after you've warned them and report them to OFCOM ......... send something like this :

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only. This protects us both in the event of a court case.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

And of course , send it 'Recorded Delivery' , so you can prove rthey got it !

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Also I would complain to the Ombudsman SD ......... Banks have a 'duty of care ' under the Banking Code ' under which they have to show that they've properly assessed and assisted you to solve your debt problem ..in this case they obviously haven't done so.........

 

our complaints procedure and how to complain

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Thanks for that johnny, been a balls up, my wife posted it for me but she didn't send it recorded, so sent one off yesterday with broooces template letter and the 1 quid postal order so fingers crossed for the next 2 weeks they can't find it?

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Here's a quick one for you hsbc won't close my account (bank ) because there's six months left on the loan with them my new bank has set up the dd for it but hsbc flatly refuse to close the account and because of this they have got me overdrawn with this account as no money is in it and all money is coming out of my natwest account. Any ideas on how to remedy this please this is the only account hsbc that tied my wife to me financially

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Thanks for your PM :)

 

In short, they won't close an account with an oustanding balance on it if they are using it to pay another account thus getting you further in to debt! Stoopid I know but them's the rules...

 

There are, however, exceptions to the rules on older accounts whereby they consolodate (sp) and then sell on ;)

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Well there's no overdraft on it now... so they can't put that od but bet they will and charge me, only six payments left on the bank loan, thats not missed or behind.. so if that's paid off they'll let me close the account? But i said that the direct debit is set up on my new account to pay that and then close the bank account but they said nope. Refused point blank... only the credit card am i in trouble with, but hopefully they'll stuff up properly on it with two days to go... And todays post already arrived ( oh fingers crossed....)

 

Thanks bb! Great help and sorry to keep troubling you...

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  • 2 weeks later...

Right here goes with the photobucket... Can you please please look at these docs they've sent me for my cca and let me know if i'm in the poop or not?

 

 

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca1.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca2.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca3.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca4.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca5.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca6.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca7.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca8.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca9.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca10.jpg

 

Minus information about me and my sig these are exactly what they've sent me.. With separate original (photocopied t&c's..) plus new amendments etc..

 

Please please help so i can see what my next move is...

 

http://i980.photobucket.com/albums/ae289/tuvelpit69/dn.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/tn.jpg

 

Oh! And here's my Default notice and final demands for you also to look at please please help!!!

Edited by bilious
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