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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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    • 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
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Please help :) old fines for OH's tax returns bailiff chasing


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Just recently letters have started arriving for my partner for debt collectors. Had 3 so far and 2 have stated that if he doesn't pay in 7 days it will be referred to bailiffs who will pay a visit.

 

These debts are from years ago, long before we got together!

My partner has lived in my home since June last year.

My partner has not worked for years.

He personally doesn't claim any benefits.

We have no joint bank accounts.

I have lived in my home for 13 years and mortgage is in my name only.

The only "joint" thing we have is a child/working tax credit claim.

Everything in the house belongs to me apart from the clothes my partner brought when he moved in.

I work to support the family.

 

My questions are...

 

Can I be held liable for his debt?

Can the bailiffs enter my home without MY permission? (what if i'm at work, can they get permission from my adult son?)

Can they take my things?

Is there anything I can do to stop them coming to my home? (not just for obvious reasons. I have a autistic son who freaks out around strangers).

How do I stop this affecting my credit?

 

Any advise would be greatly appreciated. Thank you in advance.

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No you are not liable and they cannot touch anything relating to you.

 

What type of debts are these ? Need a bit of info as to what these are. Don't put exact amounts, just company that is chasing, who the original debt is owed to and the rough amount.

 

Bailiffs don't normally have right to any entry, unless it related to unpaid taxes or something where they have legal right to entry. For most debts, they have no powers at all.

 

Most of the home visits, are purely from debt collectors and not bailiffs. They just want to discuss/embarrass the person into paying.

We could do with some help from you.

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Hi and welcome to CAG

 

Please check that letter to make sure it says WILL. If it doesn't, then it is a scare tactic. Who is the DCA?

 

How long ago are we talking when you say 'These debts are from years ago, long before we got together'?

 

As for his debts becoming yours-NAH!

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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The bailiff debts are both under £1000. One is fines for tax returns relating to his business. He didn't inform them that he closed his business 4 years ago so incurred fines for not sending in tax returns from then until now but he has been in contact with them and we think that one is sorted. Would still like to know what's what on this though just in case please.

 

The other is from T mobile for an unpaid bill.

 

I just worried that I will go to work one day and they will take my stuff while i'm not here.

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Sorting the matter out with the bailiffs re the tax returns is a priority. If they are collecting on behalf of HMRC, he needs to come to an arrangement, to avoid them visiting the property. They may have right to see what assets he has that can be seized to pay the amount. I believe that they then have to allow a period for him to pay the relevant sum or they come back to seize items. ( Site team may wish to move this post to bailiffs forum, as there are others who are more expert in this area)

 

Re the T Mobile bill, this is NOT a priority, unless they have obtained a CCJ and are looking at enforcement action.

We could do with some help from you.

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Sorry but I have no idea what a DCA is???

 

DCA = Debt Collection Agency.

 

The name of the company chasing the debt.

We could do with some help from you.

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I'm going to move this to the bailiffs section for you.

 

Ok, that's done

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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With the T-mobile debt, start a new thread for it and don't bring it up on this thread as I get easily confused :-)

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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Just make sure he is communicating with the company chasing the tax debt and that they are aware of his circumstances. This should really be in writing by recorded delivery letter, with you keeping a copy.

We could do with some help from you.

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You are not responsible for his debts-EVER

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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No you will not be expected to pay.

 

If he does not have any way of paying and has no assets, then this is something that he will need to confirm with the company concerned. He might have to complete a form setting out his full financial circumstances and have to pay the money when his financial position changes.

 

I would suggest that he writes to them explaining the situation and in the meantime he should book to see someone at his local Citizens Advice as soon as possible.

We could do with some help from you.

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Sorry to be a pain but what about the joint tax credit claim? Can they take money from that? Obviously its based on my income as he has none!

 

Don't think so. This would not be income that related to him, as it is based on your income.

 

It is a tax credit and not income as such.

 

Best advice is to stop worrying about this and make sure that he does not sit on his hands. The worse thing that he could do, is to do nothing. He needs to be totally open with them about his current circumstances and perhaps he should also make HMRC aware of them too. They have applied these fines and have passed them out for collection. Perhaps they need to be aware that he cannot pay as well.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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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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thread retitled

 

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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You should not worry unnecessarily anyway. Commercial Collection Services are just Debt Collectors who may be ignored and bypassed. They are only dealing with it because HMRC have been ignored in the past. If possible he should however start making payments himself as because the amount outstanding is more than £750 then HMRC could escalate as far as bankruptcy. It may be that he has an argument against these automatic fines and they could be rescinded.

 

PT

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