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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
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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 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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hello everyone and help, bad landlord


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hi all, my name is karen i am a 39yr old mum of three and a unemployed nurse,, i came on here looking for some advice and see that many people have experienced bad landlords once in a while, here is a bit of my story see if anyone can help,

i have recently moved out of my old property and my ex husband gave my landlord a months rent and what we thought 550 deposit,, however it only came to light that he had put nil on the tenancy agreement,,, wasnt sure at the time but its just over 4 wks on and i have txt and phoned and emailed him, the only time he responded was when he wanted to know if my new neighbours had moved in,, he was a awful landlord who wouldnt do any repairs but i have chased him and chased him over the ?? depsit i have finally just spoken to him and he stated " i never said you wouldnt get your money back!" and i dont hold it in a public holding scheme i said 28 days because i had to request it being drawn out thats why is says nil on ur tenency agreement,,, and u will have ur money in the next few days but i really dont believe him, he has told my new neighbours that he calls it first month and last month rent and deposit holding schemes are too much hassle,, he is a terrible liar and a fraudster, has anyone experienced this is so what did u do about it,, and is there such a thing as first month and last month,, as i was under the impression that any money above and beyond your rent had to be declared. I have been to see a solicitor who says that he will write to him then i have to apply to small claims court to recover my money,,, i think it is so wrong that people can just walk away with someones money esp with 3 kids unemployed and a single mum, they have no scrupples

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Hi karen

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Please let us know how your problem has been resolved, it could help fellow Caggers.

 

Thread has been moved to the correct forum.

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Sometimes a landlord will keep the deposit if its the same as a month rent to cover your last month at the property but that is only if you agree to do it that way.

 

If you have paid your last months rent up until you moved out then he has no reason to with hold your deposit.

 

As far as i no the landlord depost scheme is now law for landlords and they must use then, even though they don't like to. It stops them putting it in a high interest account of there own and using it to to get more money from it..

 

Does it say anything in your tenancy about deposit being paid?

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hi sorry not sure if my message went throu,, he was very careful with the wording now when i look back,,, he didnt use the word "deposit" but made us believe it was,,, i have paid my rent even for the last month and can produce the bank statements if it goes to court, he has told my new nieghbours something very different than he has told me,, it was only wheni started to enquire with the holding deposit companies and ask for a ID number did he start to get funny and actually! responded to my texts saying lets sort this out before it becomes somthing its not!

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You should find that now your chasing him and asking for the id number for the deposit holding scheme he will sort out the deposit you gave him as he can get into a lot more trouble than its worth to be found out that he's been holding it in one of his own accounts.

This is why the scheme was set up, so landlors can not make any money on deposits they hold..

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hi thank you so much, does it matter tho that he hasnt used the word deposit?? he is a very arrogent man who thinks he is above everyone, and was very careful to choose hiw wording, however i intend to see this through to the end and court it may come too at least i can show the judge that all my rent was paid with an outstanding balance of 550 that he owes me and didnt put it in a holding account didnt even say to me what it was for but the conversaton we had 0n 21/03/2012 he led me to believe that was were it was only when i started enquiring has he changed tactics

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Did you give him a deposit and a month in advance when you first moved in. Even though he's not called it a deposite i would say if the answer is yes then thats exactly what you paid to him which by any standards is the norm.

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hiya i gave him 1,100 that was my months rent in advance and what we belived was a deposit but if he required 28 days to withdraw he is either lying or has had it in his own account gaining interest

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Sounds to me like he has it in a high interest account which when taking money back out you need to give notice depending on the type of account or he's stuck it away in premium bonds which again they need notice when you want to take money back out.

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hi, thank you everyone for your help, this man thought he could just ignore me and i would go away, i actually believe he probably did have it in a high interst account but he believes that if he doesnt call it a deposit he hasnt broken the law, i am trying to say to my new neighbour look dont let him do to you what he has done to me after all he has taken above and beyond his rent and kept hold of it, surely in my book that is breaking the law

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hi all, hope everyone is as well as they can be. i recently posted asking for advice over a landlord who was trying to whittle his way out of giving me my 550 pound back by stating he doesnt hold deposits... unfortuantly as of yet i still havent had the money back, he should recive the solicitors letter 2morow or wednesday but playing a very bizzare game of power, claiming his secretary will phone me for my bank details, which she doesnt then i chase him, then she phones and tells me her computer is broken so i will have to wait,, totally sick of his games,, my solicitor has given him 7 days to pay so i know i will have to wait that long to see if he pays up, but i am hoping to go back to part time work as a nurse, so i wont be able to get any further help from solicitor,, what would be my next step and how do i apply for small claims court??

kind regards

karen

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hi all hope you are all well,.

Just a quick update with regards to my awful theiving ex landlord who is trying to whittle himself out of paying my 550 deposit, as you rmember he states he refuses to call it deposit,, well he is just playing games,, promised that his sec would phone me on tuesday for my bank details at the latest 12.15midday, when this didnt happen i txt him, then funny enough a call came throu stating she was phoning me over a refund when i stated how much for the secretary states "oh i will need landlord to approve that" then she states that her computer is broken and she will have to do it on tuesday, now he should recieve my solicitors letter tuesday or wednesday so i know i will have to give him 7 days to comply but i am hoping to go back to part time work as a nurse so i wont get any more help from solicitor, so what is my next best step please? and how do i make an applicatoin for small claims court? and Do i have a case? i have requested from the local paper the origional and most recent advert which stated months rent in advance plus deposit, i am sick of this mans power games, making me wait and chase him

thanks

karen

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