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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
        • Like

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they offered to set one up for me, but only if I provided them with new bank card no.s , that didn't happen, especially after I found out they raided my account anyway, and a day before the due date at that, despite 6 emails to them, all unanswered. they are crap on the phone too, will only talk if you give them card details. They say my account is now more than it was 7 days ago, despite havin taking £133.83 out , I only borrowed £265 in the first place, I have spoken to CD about them, they have said to ring the FOS and complain, so that's next.

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they offered to set one up for me, but only if I provided them with new bank card no.s , that didn't happen, especially after I found out they raided my account anyway, and a day before the due date at that, despite 6 emails to them, all unanswered. they are crap on the phone too, will only talk if you give them card details. They say my account is now more than it was 7 days ago, despite havin taking £133.83 out , I only borrowed £265 in the first place, I have spoken to CD about them, they have said to ring the FOS and complain, so that's next.

 

Keep us updated how it goes, i not willing to discuss via phone with them but they don't reply to emails.

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I defaulted on a loan of about £290 with 24/7 moneybox. I have tryed emailing them to set up a payment plan to no avail its all gone quiet there end as i have refused to talk to them on the phone how should i deal with it and what are they likely to do?

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hiya darren, you could write them a letter which offers repayment plans, send it recorded delivery so they dont say you never offered repayment xx dont worry about it too much and only pay what you can afford, when you can afford it x

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Received this message from 24/7 moneybox

 

After discussing with my manager we will accept your offer of £60 per month payment plan. Obviously fees will continue until we receive your first payment. But as soon as that is received all fees and charges will be frozen and the balance will be reduced on every payment.

 

Sounds fair to me.

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Oh Darren I feel so much better now, not because you have more than me cos I have other debts too but because other people who understand what I am going through. Have you managed to get them under control. I've changed my bank details and am hopefully going to set up monthly payment plans where they will freeze the interest.

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Some of these companies will insist on taking your card details so they can set up a payment plan. Whatever you do, don't fall for it. If they have access to your card, they can and will

often take whatever they can regardless of any agreement made. My advise is to get a couple of prepaid debit cards which you load just before making any payment.

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Some of these companies will insist on taking your card details so they can set up a payment plan. Whatever you do, don't fall for it. If they have access to your card, they can and will

often take whatever they can regardless of any agreement made. My advise is to get a couple of prepaid debit cards which you load just before making any payment.

 

Yes i have another account and am gonna put money on it as and when i am making payments.

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Oh Darren I feel so much better now, not because you have more than me cos I have other debts too but because other people who understand what I am going through. Have you managed to get them under control. I've changed my bank details and am hopefully going to set up monthly payment plans where they will freeze the interest.

 

well i have only tried and succeeded in setting up plans with 2 so far but 1 of them was 24/7 moneybox who are apparantly one of the harder ones to deal with, they took a while to agree and i had to harrass them with emails but eventually they emailed back with

 

After discussing with my manager we will accept your offer of £60 per month payment plan. Obviously fees will continue until we receive your first payment. But as soon as that is received all fees and charges will be frozen and the balance will be reduced on every payment.

 

Which i think is reasonable, i'm no expert but i'd say don't back down and make sure you don't let them get away with stuff there not allowed too in other words no the laws.

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247 wont answer emails, I asked why not, they said wrong dept, you couldn't make it up, they tried to tell me they took money out on the 5th as agreed, yet I was staring at the screen of my bank saying the 4th, told the guy will send him a screen shot and expect his call in the morning to apologies, any takers on if he'll ring or not?

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247 wont answer emails, I asked why not, they said wrong dept, you couldn't make it up, they tried to tell me they took money out on the 5th as agreed, yet I was staring at the screen of my bank saying the 4th, told the guy will send him a screen shot and expect his call in the morning to apologies, any takers on if he'll ring or not?

 

Whats your situation at present with them if u don't mind me asking

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they took 93, 20 and 20, the 93 was a day early, I borrowed 265, they now say still over 300 , told him he was having a laugh but would make arrangement to pay the rest of what i actually owe. waiting for him to ring today after he sees the proof they took it early .

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Remember, all payday loans are only repaid on the basis of original loan amount plus one months interest. No more. They aren't legally entitled to any more than that. Don't pay them their stupid charges.

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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The prepaid debit card is a very good idea, that way they cannot get their hands on your income and are satisifed when they have the debit card.

 

I have a strong suspicion that a lot of these companies are offshore based and hiding the money trail, that is why they won't give out their bank details, also some clever person might find a way of getting THEIR money back by using the bank details given out.

 

There needs to be much tougher legislation against this lot, they cannot go mad with charges when your interest rate is already over the odds, and they cannot take money 'at will' without incurring severe penalties (as would happen to us if we did that).

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Remember, all payday loans are only repaid on the basis of original loan amount plus one months interest. No more. They aren't legally entitled to any more than that. Don't pay them their stupid charges.

 

That's good to know, thanks Kitten 1. So glad I joined this forum you are all so helpful, thank you.

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Their terms and conditions are flawed and are NOT UK law, the Unfair Terms and Conditions act comes into play here. UK Statute law takes precedence over terms and conditions where they are flawed. I suggest you read up on other threads on this forum where it has been discussed in depth.

 

Just because it is in the terms and conditions does not make it legal or right or enforceable by law.

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