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    • Well we won't need to see all of the documents. Your draft letter of claim should be a good start. In terms of the declared value – I have the impression that you declared a value which was in line with the retail price. Is this something you sold or that you return to a supplier? You will probably win this case but the value could become an issue. Please clarify
    • All of the services listed in the upload link to convert to pdf and/or edit pdfs are online, which means you are uploading your documents to another's servers for the merge, and whilst some claim to delete the files within a given timeframe, we have no method of validating this. And so I avoid this, as I do not want my personal and often sensitive information to be in the hands of another. I'll upload to my website and/or one-drive and provide shareable links instead, this way, I remain in control and everyone shall be able to access my documents - there's much, much more than just those two
    • If you simply respond to the NIP and request for driver's details promptly the police will simply process it in the normal way and either offer you an out-of-court disposal or take court action (and which of those will depend on the speed and limit and your eligibility). They do not routinely ask for proof of insurance and there seems no reason why they should do so in your case. £300 and six points is the fixed penalty amount for no insurance. It can be more if the case goes to court. There is provision for n unlimited fine, up to eight points or a disqualification.   That is all as far as the penalty goes. However, you should not dismiss it too lightly. An endorsement for No Insurance will probably double your insurance premiums in the first year. As well as that, if you also have one or two speeding endorsements, the increase will be considerably more. In fact in those circumstances some of the mainstream insurers will refuse to cover you at all and you will have to go to a "specialist" (which means very expensive) broker. 
    • I think we normally recommend people to follow the upload link
    • I removed them as they have my email address on them, and so shall repost them once my Snagit scrolling capture thing starts working (needs reinstalling I think as it keeps falling over); they are an email that runs over two pages, so would be best suited to a scrolling capture. As for multi page formats, this is harder as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking
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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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      • 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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Sent first letter to HSBC ..........


katybroomfield
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Hi.

Just thought I'd start a log of what's been happening ( pressume you just start a thread to do this and keep everyone informed??
:confused:
)

After lots of reading up, finally got first letter sent on friday the 25th August requesting last six years of statements and just waiting now to see if they arrive all in one piece!( can't wait!!
:D
)

Just wanted to say a massive Thank you for this great site!!!!!!!!!!!!!!!!

Katy xxxxxx

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Hi Katy,

This site is fab isn't it? Just thought I'd wish you luck with your claim & tell you that HSBC sent all my statements in a oner but there were so many the postman couldn't fit them through the door!

Also, HSBC sent back the cheques I sent with the statement request letter so didn't have to pay for them all either!

 

Good ;uck & let us know how you get on

Sam

Data Protection Act sent requesting statements 14th August 2006

 

Statements received 24th August 2006

 

Prelim letter sent 29th August 2006

 

No reply to Prelim so LBA sent 15th September 2006

SHOW ME THE MONEY!!!!

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Hi and thanks to the people who replyed to me ! :)

 

I'm still waiting to recieve anything from HSBC but it has only been 1 week

 

today so i'll let them off for now!!!!!

 

I'll keep you informed with what happens from now on.... isn't it nice to be able

 

to tell people who are interested and who offer advice ( like you have!) some of

 

my friends who I tell think i'm a bit weird but I'm sure that'll be a bit different

 

when I gey my money back!!!

 

Thanks again, Katy XX

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Guest Tracey284

Same here - cheque returned from HSBC but poor postman! HSBC have also sent duplicates of the duplicates and some are still missing. About to send second letter and let's see what happens!

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Guest Tracey284

I would follow the advice on this website. Remember that there has been a bank holiday in between so maybe this could be the reason for the delay in replying. I did think that they had longer than 14 days to reply to the first letter.

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Hi Katy

 

It took approx 10 days for all my statments to come through HSBC also sent back the chq saying that they do not claim for this service. They will probally come in to batches mine did. Poor postman he had 2 accounts worth to carry !!

Data Protection letter sent 15/08/06

 

All statments received 29/08/06 total £3950.50 2 accounts

 

Prelim approach sent 30/08/06 - for both accounts

 

LBA sent for both accounts 15/09/06

 

MCOL Filed for both accounts 05/10/06

 

MCOL Acknowledged 12/10/06

 

Letter Received req breakdown of charges 28/10/06

 

Letter Sent with breakdown of charges 28/10/06

 

Letter received with full offer on the 01/11/06

 

Sent letter back accepting offer and crossing confidential agreement out 01/11/06

:razz: :razz: :razz:

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  • 4 weeks later...

Thank you to everyone who has posted advice!! Massive problem with my computer and can only get on the net when i nick this laptop!!!!!

I have received all my statements from HSBC and bless them, they returned my cheque!!! BUT does anybody know if i now have a time limit to write back to them and demand my charges back??? or will it be ok to wait and do it when i have access to a working computer again????:o

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Hi Katy

 

You can set the deadline for when you first right to them with your prelim request but from then on it will be every 14 days when you will need to re send a letter until you file for MCOL if you need to get that far. It isn't strict that it has to be 14 days but looks as though you know what you are doing and you mean business if you stick to your deadlines.

Data Protection letter sent 15/08/06

 

All statments received 29/08/06 total £3950.50 2 accounts

 

Prelim approach sent 30/08/06 - for both accounts

 

LBA sent for both accounts 15/09/06

 

MCOL Filed for both accounts 05/10/06

 

MCOL Acknowledged 12/10/06

 

Letter Received req breakdown of charges 28/10/06

 

Letter Sent with breakdown of charges 28/10/06

 

Letter received with full offer on the 01/11/06

 

Sent letter back accepting offer and crossing confidential agreement out 01/11/06

:razz: :razz: :razz:

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Guest Tracey284

Hi there - issued proceedings today for £5912.80 plus interest of £1561.15. Lets hope this works. I have another one to file but have to do the LBA first. This one is for £9500 plus £2500 charges!

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