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    • Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • 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.  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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
        • Like

Received letter from Bryan Carter Solicitors


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Hello, firstly i am going to apologise for the following post, as i dont really have any law know how, im a total beginner.

 

Basically, i had a credit card with HSBC in 2005/2006. I went over the overdraft limit (£3200) and couldnt keep up with the repayments. They then passed the debt onto Fredrickson, and again couldnt keep up with payments. According to my report on experian, it defaulted on 14/06/2007.

 

Over the next few years, i didnt really hear much from them. the odd letter here and there. Then they passed the debt to Phoenix Recoveries Limited. Again, i hardly heard from them.

 

Then, out of the blue, i received a letter last month (mid-June) from a Bryan Carter demanding full payment for their "client" Phoenix Recoveries. After reading online about them, i decided to wait it out and see what their next step was.

 

This morning i received another letter from them...

 

Dear Mr .....

 

As you have failed to make repayments on the above account we have now issued litigation proceedings in the county court. You will recieve the claim form in the next 48 hours direct from the Court.

 

You can telephone 0843 3133128 to discuss this matter.

 

If judgment is entered against you and remains unsatisfied it will remain on the judgment register for six years and you may have difficulties obtaining further credit.

 

Im not sure what my next step should be here.

 

One note of interest is, according to experian, when the debt was defaulted, i owed £3354. According to this letter i got today, the balance is £3658.80?

 

please can anyone help? thank you

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A little confused here you say it's a credit card account and mention an overdraft limit,

the two have different regulation, please gives us some more information.

1, When was the last payment made to the account.

2, When was the last acknowledgement in writing made by you.

3, When did you last check your credit files?

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

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I Yes, sorry about that i got a little confused for a sec between overdraft and credit card limit lol. The limit was £3200.

 

1. cant remember the last payment but it has been a few years...around 2007

2. I havent made any ackowledgments in writing to them

3. I checked my credit on experian, yesterday.

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OK check the other 2 CRA's call credit and Equifax on the free trial to be sure.

All you need to do is a minimal defence that you don't have sufficient information to construct

a defence, and SAR the OC

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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  • 1 month later...
OK check the other 2 CRA's call credit and Equifax on the free trial to be sure.

All you need to do is a minimal defence that you don't have sufficient information to construct

a defence, and SAR the OC

 

Hi there,

Just wondering what "SAR the OC" means? Im trying to learn fast :)

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Hi ims, I've had all day to spare for a change

but spent most of tying down the garden furniture

and a large gas BBQ against one hell of a gale.:madgrin:

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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