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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • 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
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      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.

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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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Cap One vs Me.....Bit of advice if I may


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I CCA'd Capitol one via recorded delivery over a month ago and heard nothing back even though according to my proof of delivery it says its been delivered.

 

Got a default letter today, have phoned Cap one to ask them were my CCA is and all you get is the bloke in Mumbai asking if I would very much like to make a payment.

 

Are they allowed to send me a default notice, as I thought the CCA request rendered the argeement in dispute if they couldnt produce it?

 

Or do I need to send a in dispute letter?

 

Any help would be gratefully received.

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Hi

They can send a default notice

 

It is (IMO) better to send the A/C in dispute letter as it shows Cap1 that you know your rights

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks Silver fox, spoke to a chap and he told me until I send over a CCA with my correct signature on then they wont be providing me with any paperwork. I then explained that I didn't want it used to forge my paperwork and he went on to lecture me about ' we're a bank you can trust us'!! How naive I thought.

 

I was told not to sign it properly in case they copy it onto my documents etc.

 

Is there any way round this or do they have to have my exact signature to provide said documents?

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Oh dear! Bank-Trust-complete oxymoron

 

A lot of 'banks' are doing this now. You could sign it but put some crosses through it or make it different to your usual signature but identifiable or even just use this

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=19364&d=1277325754

 

Copy and paste to your word proceesing software

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 weeks later...

Got the letter today basically saying my signature is wrong and I need to send a copy of my passport or driving license bearing my signature otherwise they wouldn't send anything at all.

 

Can I just send my signature with the anti tamper bit on it or do REALLY have to send a copy of passport or driving license?

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  • 2 weeks later...

Right, Cap one are they only company out of the four that i owe money too that aren't playing the game.

 

They refuse to send the CCA and have sent a default notice and I had to pay £200 quid to get them to withdraw it. Basically they wont let me set up a payment plan unless I send them all sorts of stuff, bank statement and wage slips from the last few months etc.

 

Im not prepared to do this and legally I don't have to if I remember rightly, everyone you speak to at Cap1 is in some far flung country talking off a script and basically Im at the end of my tether with them. I cant afford to keep giving them 200 quid to call off the dogs!

 

Does anyone have a contact number for a call centre in this country or any advice as to what to do next?

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  • 1 month later...

Sorry to keep spamming my own thread, but once again I included a letter with my signature and the anti tamper strip etc and got the same letter back, please send us a copy of your passport or drivers licence, this lot don't give up.

 

Anyone else find Cap1 hard work? and what did you do?

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Hi,

You could write back and say that you have never had a passport or driving licence and just include a copy of a utility bill

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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