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    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • 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?
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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 Claimform - old welcome loan from 2004 - **DISCONTINUED**


gloryhunter
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Well guess what i got a letter from T&R yesterday !!!!!!!!!!!!!!!!

 

cant scan at the mo printer down..........

 

.letter headed ...

 

... WITHOUT PREJUDICE SAVE COSTS

 

Dear GLORYHUNTER

 

We write with reference to the above matter.

 

Please note we have moved to a new address and our contact details are listed above.

 

We wish to inform you that our client is willing to accept £xxxxxx in full and final settlement of their claim against you

on condition the ammount is either paid in full or an agreement reached as to a reasonable payment arrangment on or befor the 29th march 2012.

 

In the spirit of settlement we believe a 50% reduction on the balance assigned from WELCOME FINANCIAL SERVICES

to our client on the 2nd August 2007 provides a generous opportunity for you to conclude this matter without the parties having to incur futher unnecessary costs.

 

Please note our client reserves the right to produce a copy of this letter to the court in requesting costs if they are successful at trail.

 

Our client is optimistic that settlement can be reached and is willing to consider any counter offers we look forward to your responce within the time frame specified above.

 

1.......

the total ammount has gone up by more than £1k2.....

... IS THIS NOT NOW S/B3.......

..IS THIS CLAIM NOW STAYED4......

.. THEY ARE SYING THE BLNCE IS NOW £9.5K5....

.....THEY WANT ME TO PAY £2.5K ....50% ?

 

So my friends i shall send copy of said letter to OFT to add to my WS,

and without doubt i will not be paying them 1 penny or even answer they letter fecking muppets.

 

WILL TRY AND FIX THE PRINTER/SCANNER

 

Regards GH

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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Morning CD, i trust you are well :) think i will ignor yet another begging letter from HFO lets see if they bring it back from the dead . What made me chuckle was they have added another £1k on ,did'nt think they could do that ? trying to sort the fecking printer out GH

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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Statute Barred a definition:

A debt becomes statute barred

under the Limitations Act 1980

if there has been no ''regular''

contact between the creditor and

debtor in six years, sending the

debtor letters chasing payment or

sending statements is not cosidered

to be regular contact.

Also a debt becomes SB IF no payment

or written acknowledgment has been made

by the debtor in 6 years, any payment or

acknowledgment at any time in the six years

restarts the clock.

Requests for information such as CCA requests

and SARs do not affect the 6 year clock.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Morning Brig so therefor it is statue barred then like CD said unless the start again they are chancing there arm (well am not going to bite) :)

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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I believe that by taking the court action the SB process is stopped. The case is only 'stayed' which means that they can restart it and SB will not count. Whether they will try this, I do not know as you have a strong defence. Others can advise on possibly getting this 'struck out' or them to 'discontinue'. I suspect that in their current state - this letter is an attempt to obtain some 'funds' so they are chancing it!

Please support CAG and they will support you.

donate

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Definately report that to the Solicitors Regulatory Authority, it is a blatant attempt to extort funds they are not legally entitled to. - 50% reduction would point to them grasping at straws.

 

Point out to the SRA this is 'stayed' by the court and the firm are abusing court processes by trying to come to an arrangement - the SAVE FOR COSTS bit gives you a masive clue as to the fact they are now attempting to 'split the claim' which again is not on.

 

Make sure you add this to the costs list you are preparing - I would estimate 4 hours research, paper cost, stamps, ink etc

 

Silly whatsits need closing down completely and ALL court cases pulled and clients given restitutionary compensation for being misled by a legal firm.

 

I wonder how may people are paying up without checking that they are legally entitled to do so, believeing the 'moral' claims these companies love to perpetuate.

 

Morally this kind of debt chasing should be abolished by law.

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No, court action does not stop SB status, the SB status runs from the date of the last payment to the creditor and if a court action is brought close to SB date it does NOT stop the clock ticking. I had this verbally confirmed by a legal friend during the week.

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No, court action does not stop SB status, the SB status runs from the date of the last payment to the creditor and if a court action is brought close to SB date it does NOT stop the clock ticking. I had this verbally confirmed by a legal friend during the week.

 

That is very interesting SG!

Please support CAG and they will support you.

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Apparently many 'solicitors for rent' firms believe that by taking court action the clock starts ticking again from the date they issue a claim. I am trying to get this person to join CAG and add their knowledge here - they are now retired from the legal circuit so there shouldn't be a 'professional interest breach' by them doing so.

 

Mostly they dealt with criminal law but in the last couple of years they did consumer and contract law.

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Hi Sillygirl forgive me what is a "spit claim" do you think i should try to get in 1st and get the claim stck out ? thought i had finshed it with the muppets. This is now 100% SB and the default has gone from my credit report ! Regards GH

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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This is certainly accurate nothing can change thè definition

of statute barred, as long as any correspondence even to

the court has the disclaimer I do not acknowledge any debt etc.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Well guess what i got a letter from T&R yesterday !!!!!!!!!!!!!!!!

 

cant scan at the mo printer down..........

 

.letter headed ...

 

... WITHOUT PREJUDICE SAVE COSTS

 

Dear GLORYHUNTER

 

We write with reference to the above matter.

 

Please note we have moved to a new address and our contact details are listed above.

 

We wish to inform you that our client is willing to accept £xxxxxx in full and final settlement of their claim against you

on condition the ammount is either paid in full or an agreement reached as to a reasonable payment arrangment on or befor the 29th march 2012.

 

In the spirit of settlement we believe a 50% reduction on the balance assigned from WELCOME FINANCIAL SERVICES

to our client on the 2nd August 2007 provides a generous opportunity for you to conclude this matter without the parties having to incur futher unnecessary costs.

 

Please note our client reserves the right to produce a copy of this letter to the court in requesting costs if they are successful at trail.

 

Our client is optimistic that settlement can be reached and is willing to consider any counter offers we look forward to your responce within the time frame specified above.

 

1.......

the total ammount has gone up by more than £1k2.....

... IS THIS NOT NOW S/B3.......

..IS THIS CLAIM NOW STAYED4......

.. THEY ARE SYING THE BLNCE IS NOW £9.5K5....

.....THEY WANT ME TO PAY £2.5K ....50% ?

 

So my friends i shall send copy of said letter to OFT to add to my WS,

and without doubt i will not be paying them 1 penny or even answer they letter fecking muppets.

 

WILL TRY AND FIX THE PRINTER/SCANNER

 

Regards GH

 

they are offering a discount

 

99% pointer they KNOW they'll never win in court

 

ignore them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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A split claim is where the company goes for costs (usually inflated) and then goes back for the 'rest'. In this case they seem to have been stumped at the first stage so their 'save as to costs' clearly shows their intention to abuse and misuse their powers in debt collecting.

 

I would counter claim stating that they have continually obstructed and misled the court, wasted your time as well and your costs (at £19.25 per hour now) are attached as an indication of the level of work you have had to do in checking their information is accurate, checking your limited legal resources and generally researching the ins and outs of their frivolous, vexatious and litigatious claim.

 

You could also print out any information from Experian/Equifax/Callcredit and counter the amounts they are claiming stating that prior to their alleged involvement you would have been more than happy to pay the 'correct' amount of the debt to the original creditor, should they be able to prove it is legally owed.

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  • 5 weeks later...

Yet another letter from T&R arrived today............................. A DISCONTINUANCE LETTER yipeeeeeeeeeeeeeeeeee of my back at last !!!!!!!!!!!!!!!!!!!!!!!! Just want to say a massive thank you to all the caggers that helped me, CD most of all for her defence, DX,DOH,DONKEY the list is long THANK YOU SO MUCH, without CAG i would more than likely be paying our friends more than £8.5k. (THAT I NEVER OWED) Thanks again guys. One very,very happy GH. :) :) :)

Sorry forgot about BA thanks buddy

Sh*t and BRIG lol sorry :(

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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