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    • 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
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
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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

We are losing our home - please help!!


issys house
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Hi,

We are about to lose our home and I am about to go mad. I have 2 small children, am on my own and I really need some help and some guidance so I can challenge my bank, which is HSBC.

 

I had a loan in 2004 from them to buy a house when I left my marriage. They wouldnt give me a mortgage as I had one on my marital home. I had my own business at the time and they did it because of the income in that, but it was always secured in my name not the company's. The Bank Manager then understood that it was in place of a mortgage and the rate was set at 2% above base. It was written into the agreement that they would replace this loan with a residential mortgage when the marital home was sold which it was in September 2009, but with very little equity left given the housing drop.

 

But the bank didnt do this. Instead in October 2009 a new bank manager comes in. He puts the interest rate up overnight without any discussion to 6% above base doubling the monthly payment. Then in September 2010 he demands I pay him £5,000 or he will increase it by 100% again. I ask for details about why he has done this when interest rates are so low, again no answers. He then sends me a reviewed agreement which is very odd and says something along the lines of 'whilst we assume this loan is for buying a house we recognise it can be used for other things.' I am still paying £750 a month which was the pre Sept 2010 figure as I cannot afford the £1400 post Sept 2010 figure.

 

They have now called in the loan and it has gone to the recovery dept. They are not very nice people. I asked for a subject access request in December 2010. I got all the electronic files but no paper files despite it being in a structured system and have now been told I cant have it as it is for 'internal use only'. I have sent a complaint to the ICO.

 

I want to be able to prove that they should have converted this to a mortgage in Sept 2009 as that is what they promised they would do. Some contracts it is written into, in others it isnt but is was always the underlying premise.

 

They have also set me up with a service account so I pay my money into there rather than the loan. It is a business account yet I am not self employed and the company folded in 2005. When the new manager put up the rate he sent it to the marital home (I dont know why, the previous manager sent it all here and had meetings with me here too so it was clear where I was living) and all the account statements. My ex took great delight in presenting it to the court as it was about 5k overdrawn as I didnt know about the interest rate change and hadnt been paying in enough. I cleared it but it now keeps happening so I am getting charged an unagreed overdraft interest on top of the mortgage making the mortgage interest about 28% above base. I'd like to be able to get those charges back.

 

I dont understand why they would offer me a loan for 12 years, which he did last September, and not a mortgage as they promised. When I asked he said 'I am not a mortgage broker'. I asked to be put in touch with their mortgage team and nothing happened.

 

I have put the house on the market. It is breaking my heart as it was my Mum's house and I bought it back from siblings, so Ive pretty much lived in it on and off all my life. Its been a safe bolt hole for me and the children but I dont know what else to do. I am really worried that they can make me bankrupt instead of go for possession ... I am all over the place.

 

Im sorry this is so long but I want to try, I just dont know how.

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Hi,

As I said previously, I cant afford the 10+K the solicitor I went to see said this would cost to pursue without having any clear idea of what was wrong. There is not enough equity in the house to secure a fee arrangement and there is no one who can pay any fees or act as a guarantor. Hence I am going to try and do it on my own. The CAB wont touch it as they are not funded to deal with business cases and there is no Law Centre. I have absolutely nothing to lose. So whilst I might need a solicitor I dont have have the luxury of that option.

 

So, if its Ok, I will keep posting up where I am going with this and if anyone can throw in some words of advice, support or encouragement we would be really gratefulo.

 

Thanks.

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Also, to clarify, there is no all monies charge in the agreement, which I havent signed as I dont agree with it.

The new agreement which has come through is terming this as a base rate term loan. The account into which the money is paid is oddly a business account.

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Hi,

As I said previously, I cant afford the 10+K the solicitor I went to see said this would cost to pursue without having any clear idea of what was wrong. There is not enough equity in the house to secure a fee arrangement and there is no one who can pay any fees or act as a guarantor. Hence I am going to try and do it on my own. The CAB wont touch it as they are not funded to deal with business cases and there is no Law Centre. I have absolutely nothing to lose. So whilst I might need a solicitor I dont have have the luxury of that option.

 

So, if its Ok, I will keep posting up where I am going with this and if anyone can throw in some words of advice, support or encouragement we would be really gratefulo.

 

Thanks.

 

I didn't realise you were after support and encouragement - I was under the impression from the questions posed you actually wanted legal advice. There is plenty of support and encouragement available on this site, and undoubtedly you will get plenty of that.

 

However, the best advice you're going to get is from a lawyer, who is clearly telling you that you need the assistance of a solicitor. Fair enough, you state you cannot afford one - but the usual point with issues such as these is that you cannot afford NOT to have one, the implications are too great.

 

But it is your choice - and I am not sure how many other lawyers there are who post on here - perhaps someone will be willing to give advice without seeing the paperwork - personally I think that is foolhardy.

 

Good luck.

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Have you made an official complaint to the bank head office?

 

Have you made a complaint to the Financial Ombudsman about looking into this for you?

 

Do you have all documentation for the loan now and the previous one?

 

Have you looked into shared ownership?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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