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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.
      • 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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HFO, please help!


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Yes - PM it to me, I will ensure it gets distributed to the correct people. I have some complaints lodged with OFT as well, might see if they want an update.

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Lottie, can I have the details please. I would like to send my complaint to the Man that is investigating the HFO/TR debacale

i have PM,d you the contact.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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I emailed the Notice of Dispute, as I got a bit wobbly when a 'scheule of litigation' arrived today. Got his back just now:

Dear XXXX,

 

Thank you for your email. The contents of which have been duly noted. I sincerely hope this response covers all the points raised in your communication.

 

Firstly, please could you kindly outline your complaints on harassment to us so we can attempt to address the situation. Having reviewed this matter, I can happily confirm that at no point did our actions breach the Administration Of Justice Act 1970, Section 40.

 

I can confirm that we are in receipt of your formal request dated the 14/11/10 requesting for a true signed agreement. I would like you to note that your request has been processed and we are awaiting the response from the original vendor. As this account is in dispute, until the requested information is received, we shall not conduct any further collections activity. Please refer to the Office Of Fair Trading’s press release dated 16th October 2010 which can be found here : xxxx

 

I note your comment “Therefore this account has become currently unenforceable at law”, again, please refer to the above press release.

 

It has always been our intention to work with our customers to resolve this matter. It would be very useful for us to be made aware on what facts / feelings your complaints are based, merely stating that you have made a complaint does not assist us to address any issues which may have distressed you.

 

I encourage you to contact me on 0203 024 9607 and resolve the matter at your earliest convenience.

 

For any clarification , please contact

 

Amita Choudhary

0203 024 9607

Account Manager

 

Regards

 

accountmanagemen

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Are you able to post up the Schedule of Litigation letter? Someone else got one of those today but had no means of scanning it - I think that piece of correspondence is worthy of a few complaints in itself.

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I've seen one of their Schedule of Litigation letters, it basically is a has of the old "When we get our CCJ we will do the following....." Doesn't tell you that YOU have a right to defend and that you have a right to counterclaim, just assumes you are going to roll over and let them win.... a complete misuse of the law. Unfortunately I can't get a copy of the one I saw but it is really nasty.

 

Sgtarts of with

 

You wll receive a 7 day notice of legal action from our solicitors then you have 14 days to judgement, then after judgement we will go for attachment of earnings, arrestment of bank account, charging order on property.

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Bart123 is a character who has been viewing HFO threads - don't worry about him. If you look at the bottom of the thread you can see who is viewing at the time but Bart was not around this pm.

 

That letter is total codswollop so don't worry about it but you must add it to your list of complaints. You should also send a complain to the publisher of the leaflets, with a copy of the letter, and ask them why you have been sent this with a letter making unsubstantiated threats and demands for an alleged debt that you are challenging.

 

I think HFO are getting a bit desperate.

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Let see if I've done this right, it should be below!

 

Who is Bart, they reply I got from today was around 4.30pm if that helps!

 

Seems strange that at around 2.00 ish you mention you have OFT complaint and that at 4.30 they send you what by HFO terms is a love letter. :-)

 

That litigations schedule is total tosh to put it lightley.

 

They are claiming they can go from letter before action - to obtaining a charging order/attachemt of earnings etc within 7/8 weeks. They also give the impression that this process will happen like this if you dont agree to come to a settlement .

 

It's a scare tactic playing on peoples ignorance.

 

I would add his to your complaint to the OFT if you have not already done so.

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