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    • 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?
    • "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
  • Our picks

    • 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

Help With Various Debts Please


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So is there no way of stopping these idiots sending letters to my address because at some point ill be changing address and find it unfair that the people living here should deal with it all ??

 

Ive sent a cease and desist letter to all but these plonkers seem to ignore all my letters to them.

 

As soon as you change your address with your bank or Insurance company or anything financial, the address on your credit record will change. You will then find that companies will write to your new address. There may be a time that new occupiers receive your mail, so arrange re-direction or get them to return marked no longer at this address.

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

 

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Well you could make a formal complaint and ask the FOS, plus the ICO to look into this. But it may take a time to resolve.

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

 

If you want advice on your thread please PM me a link to your thread

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"oh the pain" ok well im going to have to just ignore the vultures or just get my lawyer to send them a letter stating that if they keep harrassing me WE shall take them to court !! Its killing my family !

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Right, let's start at the brginning again this is going round

in ever decreasing circles.

 

Please list the debts seperately

Show OC, currently being chased by xxxxxx

on your cra file yes/no

if on default date/last delinquent payment if shown.

 

Given you believe the debts are not yours, your reasons

and proof for this belief.

What if any responses have the DCas given,

and what was the outcome.

 

Get this list and I am willing given the data for

each debt to put together responses thay should

sstop this.

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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yes it is going around in circles and i appreciate all your help but im tired of listing and re explaining myself all the time (please dont take this the wrong way) i have sent all the required documentation to these companies that are supplied by you guys and im now getting good responses from two companies, but the others just keep sending crap !!! ive sent a cease and desist letter but today have received another stupid letter.

 

I just need an ultimate letter saying to these idiots that you have not given me the legal documentation required, i do not owe these debts and that due to you sending me letter after bloody letter you digging my grave "so please bugger orf or im going to sue you" !!!!!!!!!!!!!!!!!!!!!!!!!!

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The reason why they are continuing to harass you is because you keep biting back at them.

Just like little children if you ignore them they go off and annoy someone else who keeps responding to their bad behaviour.

 

So you've sent them everything in the library they still persist in being a pain in the backside, so ignore them, if your confident that you don't owe them anything then stop retaliating.

Give a dog a bone and it will keep coming back.

 

Ignore them, if they are going to do anything then they would have done so before now, and besides that, if they don't own the debt, then there is nothing that they can do anyway.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK ignore further correspondence but keep all letters and records

of phone calls if you can.

 

Yes do keep all their puerile missives, gives you something to read when your in the Loo!:lol:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I wasn't thinking about reading them: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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  • 3 weeks later...

Hi Guys

 

Just to keep you informed its now 18 plus days since the last batch of letters and (fingers crossed) they have all disappeared in to thin air.

 

Maybe just maybe with have won this one :whoo:

 

Thanks again for all the help.

Total of APPARENT debt £8000 plus !!!!!!

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Give it a week or a month for the next letter to arrive. With a relatives debts (who had gone abroad) I received letters up to about 8 years after they had left the country. Unfortunately, my address was used as a forwarding address. Eventually, once one company had marked the credit record as gone abroad or gone away, they all stopped writing, as there was no chance of receiving payment.

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

 

If you want advice on your thread please PM me a link to your thread

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Its amazing how these people get away with it. Harassment can seriously affect your health as it has mine

 

This is exactly what they rely on, they are very well aware of the effect their constant letters and phonecalls have on people, which is exactly why they do it, the late Beryl Brazier case, is exactly what they push people too, hence why everyone should keep a diary of events and report them not only to the relevant organisations who claim to be in the job of policing them, but also to the Police, as it is a criminal offence.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Just when you think its over another one turns up out of the blue !!!!!!!

 

Please read all information below and tell me "what i should do next" because i have no idea where this has come from AGAIN !!.

 

Both of these were sent to me at the same time by a well known Bank to my new address. I have never had a loan let alone one for 7.5k !!!!.

What should i do ??.

Is this an official CCA ??

Has it all the information that should be contained in a CCA ??

Also why the hell after 6 years have they just sprung this on me ??.

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Use this method to post up your documents please

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

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Just when you think its over another one turns up out of the blue !!!!!!!

 

Please read all information below and tell me "what i should do next" because i have no idea where this has come from AGAIN !!.

 

Both of these were sent to me at the same time by a well known Bank to my new address. I have never had a loan let alone one for 7.5k !!!!.

What should i do ??.

Is this an official CCA ??

Has it all the information that should be contained in a CCA ??

Also why the hell after 6 yearslink3.gif have they just sprung this on me ??.[ATTACH=CONFIG]35946[/ATTACH][ATTACH=CONFIG]35945[/ATTACH][ATTACH=CONFIG]35946[/ATTACH][ATTACH=CONFIG]35945[/ATTACH]

Edited by westham1
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