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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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CSL playing silly buggers


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Sun Tzu said: 'If you know the enemy and know yourself you need not fear the results of a hundred battles.'

 

All well and good but if you know your enemy has Apache helicopters and you know you've only got a pistol, there will come a time when you realise that your chances of getting to a hundred battles are fairly slim.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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All well and good but if you know your enemy has Apache helicopters and you know you've only got a pistol, there will come a time when you realise that your chances of getting to a hundred battles are fairly slim.

 

 

Indeed.

 

This is me in a hot and dusty place:

 

Flightline029.jpg

 

Just in case it's not clear what I'm sitting in:

 

Flightline021.jpg

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Yes. The reverse is true then. One hundred and beyond.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Yet another reply. This one full of even more drivel.

 

"Please note that to substantiate your account being paid in installments, we require justification by means of a financial statement detailing all monthly income and expenditure. This should include details of any benefits that you are receiving and full supporting documentation inclusive of copies of benefits and wage slips where applicable.

 

Please forward the necessary documentation to the above address immediately for your proposed installment to be considered."

 

To which I may just send this (found it in amongst someone else thread). Unless, of course, someone has a better one.

 

 

Dear

 

I acknowledge receipt of your letter dated 14th March asking for a financial statement.

 

I have been advised that this 'personal' information is just that - personal. However, following your request, I obtained a Court orientated Income and Expenditure Form which I understand only a Court and/or Judge can legally have access to, and filled in the details required therein.

 

Following the revelations about my financial status that completing this form brought to light, I would like to thank you for pointing me in the right direction.

 

From this information it is obvious that I have no disposable income at this present time. It has been suggested that following discovery of this situation that a county court Judge, would, in all probability Order that I can afford no more that £1 per month to each and all debtors, which of course includes yourselves.

 

If you would now kindly send me details in order that I can set up a Standing Order in this amount, I would be grateful.

 

Regards

 

Any good?

 

They also neglected to reply to my questioning about their field collectors. I have added this to the end:

 

I would also ask for confirmation that the "threat" of door step collectors has now been eliminated. Please be advised that even if I do not receive a response I will assume Credit Solutions Limited understand the law.

Edited by clemma
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One of their field agents put a card through my door today asking me to call him.. Who am I to not do as im told.

 

So i called him (he sounded like an OAP bess him), and asked if he was ok....

 

He couldnt understand why i was asking about his welfare until I explained that Im just surprised my dog who was in the garden hadn't ripped his upper torso to shreds.

 

He actually said "F*** that mate... no debts worth that. Don't worry I wont be back"!.

 

Then i rang CSL (only cos i was bored) and thought id have some fun with them. Now I was overly polite explaining I didnt want field reps calling at my house ever again, but this fell on deaf ears with them stating that they could basically do whatever they like.

 

So I emailed them the doorstep collection template letter from here at CAG, but appended it with:

 

"Failure to adhere to this notice not to refrain from sending one of your agents to visit me at my property, binds you to a contract between myself and your company and your company agrees to pay me the sum of £1000 each and every time I have to open the door to one of your agents".

 

That should work.... if not, the invoice will be sent the very next day.

 

 

UKD.

PS... I dont have a dog.!

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Oh, I like that :)

 

I'm in deadlock with them at the moment. They have replied to my email about me not sending a financial statement and they have asked yet again for it (including full documentation, bank statements etc., etc.). They can kiss my backside. They have also said they will send someone round regardless. This is their final response to this matter. So, I have emailed back and said:

 

"Thank you for your letter dated 19th March 2012.

 

As previously advised, I will not be forwarding my personal financial circumstances to Credit Solutions Limited as you are neither a judge nor a court. You have no right, in law, to demand this information from me. If you feel that CSL are above legislation and can indeed demand this information, please forward the relevant statute/law/legislation to me at your earliest convenience. I have given enough information about my circumstances by stating I am in receipt of Jobseekers Allowance. No further information is required.

 

I want it noted that I have tried, in numerous emails, to set up a payment plan by standing order for £1 a month. This is all I can afford until my circumstances improve. I would like it noted that Credit Solutions Limited have refused this offer and have refused to forward details to enable me to set up a regular payment.

 

Also, please be advised that if you send a doorstep collector, despite me completely forbidding you to do so, I will contact the police and have your employee escorted away for harassment. As I have told you explicitly NOT to visit my personal address you have no right, within law, to do so. However, if you can find legislation that states a debt collector can ignore my rights, please also forward that to me.

 

As you have still not given me your details so I can pay you by standing order I am presuming you do not wish to receive any money. If this is case then I expect no further correspondence from CSL or any other company registered under CSL (such as Power2Contact).

 

As you are refusing to acknowledge my complaint in an acceptable manner I will be forwarding all correspondence to the OFT and The Financial Ombudsman Service for their perusal (as you recommended). Please note that the OFT are already aware of CSL's practices in this matter and it will be used when considering CSL's ability to hold a credit licence.

 

Please note this is also my final response in this matter and I will not enter in to any more correspondence or payment arrangements with CSL or Power2Contact (or any other company hidden behind another name but is indeed linked to CSL).

 

Regards"

 

Not to sure about the wording, but I fired it off anyway. I have a cat, a snake and a hamster....the snake will bite if harassed and it gives quite a nasty nip. My cat is rubbish and runs away and hides when anyone knocks at the door and my hamster is just way too friendly to be of any good. The other half would just send me to the door (it's his debt) to frighten them off.

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Just write back to them in crayon or human pooh.

 

I sent a paper aeroplane in the post to a DCA a few months ago lol.

 

Another DCA wanted medical proof that my OH is too il lfor work, so I asked them which Act of Parliment allows them to ask for this. They soon went away and passed it to another DCA...

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either that or reply with complete and utter drivel.

 

Dear Sirs,

 

I am in receipt of your plums. Although Mr Henry asked me to reconsider burning the hedge, I decided to anyway and set fire to the lighthouse causing uproar in the village. Mrs Caruthers threatened to call Billy the farm boy, but I told her I would bugger him with the raggy end of a pineapple if he came around. I have been outcast from the local dance on the grounds of my gammy leg. etc etc etc etc etc

 

Just utter nonsence...... they'll have a good laugh, but hopefully soon get bored. Either that or assume you are just too much of a nutter to persue.

 

Has worked for me on a number of occasions.

 

UKD.

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Just write back to them in crayon or human pooh.

 

I sent a paper aeroplane in the post to a DCA a few months ago lol.

 

Another DCA wanted medical proof that my OH is too il lfor work, so I asked them which Act of Parliment allows them to ask for this. They soon went away and passed it to another DCA...

 

Yes!! one of these reprobates wanted proof that my mother had died. I told them I wouldnt be able to provide that until Brendon returned my spade and I would then send them the remains as long as they promise to look after her and sing her favourite song " I'm H.A.P.P.Y" on her birthday"

 

Heard no more......

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LMAOOOOOOOOOOOO!

 

It's sometimes worth paying out for stamps just to wind these fools up. Although one DCA I'm dealing with at the minute is rather kind and has sent me some pre paid envelopes.

 

I wrote every letter of the address on an envelope in different coloured ink once lol. Took me a while.

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