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    • Thanks 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 concenquences 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?
    • 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
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
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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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Bryan Carter Summons - **CLAIM STRUCK OFF DUE TO NON COMPLIANCE BY BRYAN CARTER**


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I dont mean to scare you however have a look at my thread you need to understand that things have changed while Mr Carter may not actually go through with it you need to be prepared for it. The way things stand at the moment DN's - Brandon v Amex , Agreements - Carey v HSBC Judges can do as they like and ignore the law! Just trying to help I hope he backs away..

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?283825-Update-to-my-previous-threads..

Be kind, for everyone you meet is fighting a hard battle. Please do not PM me I do not use the PM service. Please use a link on my thread for any help or to talk.

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Be kind, for everyone you meet is fighting a hard battle. Please do not PM me I do not use the PM service. Please use a link on my thread for any help or to talk.

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hi

i tried to reply to you pm but will not let me send stating your inbox is full.

Thanks for the message.

I have read it, but still confused and worried.

I am not sure what I need to say when I get to court.

If I don't attend, then I assume they will get an automatic judgement.

Please help me, advice would be appreciated.

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Not attending would not be good infact would look very bad. I will have a quick read again and see if I can help or point you in correct location. I have deleted some messages now ...

Be kind, for everyone you meet is fighting a hard battle. Please do not PM me I do not use the PM service. Please use a link on my thread for any help or to talk.

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SEE MY THREAD UNDER DEBT

http://www.consumeractiongroup.co.uk/forum/showthread.php?262325-Bryan-Carter-Court-Summons-Issued&p=3199261#post3199261

 

Let me tell you what happened.

My egg card debt got passed around to debt agencies and then finally ended up with Bryan carter solicitors.

 

1.got a letter from carter telling me that they are filing for a court order.

2,.got summons

3.sent it back that i am defending, along with my defence.

4.Then they sent me allocation questionaire, I filled that and sent back.

5.got a court date

 

They have sent me a agreement, printed straight of egg website, totally blank.

they also sent me default notice, along with some statements and terms & conditions.

 

Please help someone please

 

I have a court hearing coming up in few weeks, and i have no idea what i am going to say or do?

Can someone please advise or guide me on what to do.

What i should say in court?

What i should take with me?

Etc etc

 

Thank you

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Thread moved to Legal Issues

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Check what your documentation from the court says. I suspect you'll need to send in a court bundle and possibly a witness statement.

 

Include everything you have to do with the loan, copies of all the letters that you've received and sent. Put them in date order, number them, and do an index. You'll need 3 copies, one each for you the claimants and the judge. In fact it may be wise to do 5 so that you can take 3 to court in case anyone hasn't got theirs. See this very useful post by BRW.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?163425-Re-Me-vs-MBNA-court-case-looming-help-please-**DISCONTINUED**&p=2171582&viewfull=1#post2171582

 

It is vital that you attend and it is vital that you are prepared. It may be that BC will back down as suggested by others, but for now you have to assume that this will go to court and be as prepared as you can be.

 

Did you really have a 25 page defence? :jaw:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Thanks for that, I have all copies.

I did do a defence, was done by a solicitor for me and the number was in that region.

It was a creditcard.

What I am worried about is when the judge asks me why I have not made payments, what do I say ?

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Well can I ask what reason was?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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That's what you tell the judge then.

 

That defence of yours - you may well find that you need to answer questions on it so you must make sure that you are prepared for that.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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No-one can predict what the judge would order. One step at a time.

 

How much is the claim for?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Worst case is that you lose and have costs awarded against you. Do you own your own property?

 

You can't pay what you haven't got though, so may be as well to take work out your budget so that if worst comes to the worst you can produce it for the judge to show what you can/can't afford.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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[AFill in this budget sheet. You might find it useful to do for yourself anyway.TTACH]23232[/ATTACH]

Budget Sheet.xls

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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  • 7 months later...

PLEASE ADVICE

 

Finally after numerous date changes to court hearing was finally set for

July 2011. I did my pre-trial checklist etc.

This week I got a letter from court the case has been STRUCK OFF due to non compliance the lenders solicitors.

 

Do I need to do anything anymore?

does the debt still stand orwritte off ?

 

I have also been informed EGG is now owned by Barclays

 

Please help

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Will amend your title to reflect this. Just make sure you keep ALL the paperwork you have in respect of this claim. JIC

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Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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