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    • Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • 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.  
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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

unknowm homecare mobile phone insurance direct debit / tmobile fonesafe.


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hello.

bit of a story so please bear with me.

some time ago, (an embarassingly long time),

 

i had a mobile phone upgrade carried out over the phone directly with t-mobile.

 

i'm self employed so i wanted a phone to keep as backup and i accepted a basic model sony ericsson to keep in case of problems with my other phone.

i never intended to use it so i refused the insurance and all extras and within a month or so changed address.

 

fast forward to feb 2012 and a chance conversation about a debit card revealed a direct debit, that i knew nothing about,

for £6.99 a month which had been quietly running for an embarassingly long time.

 

the direct debit was to a company called homecare insurance and with a bit of digging i discovered that i had been paying insurance

on the backup phone and had had a policy running from the date of my phone upgrade with details supplied by t-mobile.

 

the address that they had on the policy was my parents, where i was living when the mobile upgrade was done.

 

i have never recieved any communication from homecare/fonesafe at any time.

i cancelled the policy there and then, explaining that it had been set up without my knowledge, and asked for a refund.

 

homecare insurance stated that i would be refunded if i could prove that the policy had been set up without my knowledge.

 

t-mobile customer services told me by email that they have no knowledge of my having requested insurance

and stated that they would provide written confirmation of this fact,

but to get it i had to write to their customer admin team, or go into a store to request it.

 

t-mobile have now decided that actually they have no proof either way whether or not i requested this insurance

so are now refusing to give me the written confirmation that they had agreed to send.

 

without this letter homecare will not refund me (and are claiming to have sent me a welcome pack and letters. this is a lie as i get any mail addressed to me, from my parents.)

 

obviously these two companies work together so i'm not holding my breath that the one will take my side against the other, but where does this leave me now?

 

i have spoken to my bank (halifax) with regard to the direct debit gaurantee but they want me to exhaust all avenues before they will take it on.

 

if anyone has any suggestions i would be grateful to hear them.

 

oh and yes i check bank statements thoroughly now!!

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sorry

unless halifax can come up with the DD mandate

 

they HAVE to refund the lot.

under as y have guessed the DD guarantee.

 

you signed no paperwork as it was done on the phone so how could you.

 

dx

 

 

 

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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