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    • Good luck with that. Most leases don't even follow the majority of the 2002 regulations (too old) let alone the new one. The £250 cap needs to be placed in the lease through a deed of variation and good luck getting freeholders to agree to that. It's not just some magical thing that just caps it one day. Some freeholders are only reducing them through lease extensions at massive costs (essentially buying out the difference in ground rent) and if you're doing that you might as well extend on a peppercorn anyway.
    • Yeah, I would confirm that anyway, as there is a separate sheet where I have to put in those details and my insurance number and driving licence number. That is on page 2 (page one is their allegations) then page three is a statement that you weren't the driver and space to give details who was driving. Page 4 is an empty sheet for a statement to explain the situation. So I will fill out my details as the driver on page 2, admitting I was driving at the time, and then attach my statement as above as a separate sheet. That should hopefully do it at this stage
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    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
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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.

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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.

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      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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Santander / Debenhams PPI


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Hi

I made acclaim for a refund of my PPI for a Debenhams store card that l took out in July 1995. I canx the PPI a while ago. I tried to reclaim the PPI on the basis that it was not necessary and l had been led to believe that it was the done thing and you would only get the card if you accepted the PPI.

They have rejected my claim on the basis that l could have cancelled within 30 days and because they have no record of what took place they cannot take what l asserted as proof.

They have included my original app in their response!! Guess what it is ticked by the staff member because she has written her name next the the tick in the box, and her initials are at he bottom of the form as authorising the card??

Am l missing something or is that some proof??

They have told me l can complain to the FLA, l think it is worth it??

Anyone have any thoughts??

Thanks

Cups

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i tried that with my laura ashley card / santander and got same response second time, i then went to FOS who refered it to the underwriter who also chucked it back, FOS is currently doing some sort of test case on this and so like thousands of us you will be in a holding pen!!! Has any one had any joy on the FLA route ? Seems us store card holders are in for a long haul to try and get anything back !

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They have said that that is their final response? I will write back, and give them the option to pay up!!

Otherwise l think l have a good case, and will go to the FLA.

Thanks for the advice Ims, will send it off recorded delivery in the next day or so.

Cups

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i tried that with my laura ashley card / santander and got same response second time, i then went to FOS who refered it to the underwriter who also chucked it back, FOS is currently doing some sort of test case on this and so like thousands of us you will be in a holding pen!!! Has any one had any joy on the FLA route ? Seems us store card holders are in for a long haul to try and get anything back !

 

can you advise of details of the test case? I am currently pursuing Debenhams and Frasercard PPI. Thanks! M

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Sorry dont have any specifics just that when i did the standard paper trail for claiming ie santander ..decline then refer to fos ... they aproached the underwriters etc , The reply from the underwriters and then subsequently thru a follow up call to fos was that as a lot of people were in this situation Fos were running some test cases and when they had any progress they would contact me again,

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Sorry dont have any specifics just that when i did the standard paper trail for claiming ie santander ..decline then refer to fos ... they aproached the underwriters etc , The reply from the underwriters and then subsequently thru a follow up call to fos was that as a lot of people were in this situation Fos were running some test cases and when they had any progress they would contact me again,

 

Thanks, I am currently at the decline stage for both.......

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Hi

Written back to Santander giving them the opportunity to revisit my claim, of not then the FLA and FOS will get it!!

I went into a shop and they told me that they put their names next to the PPI tick because they got a bonus / commission for each PPI sold??

Makes sense, why else put your name there?

Maybe they will see sense?

Cups

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  • 1 month later...

Just a quick update, Santander have come back after over a month and said that my point does not interest them, they still refuse my claim.

FOS here we come l think

Cups

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  • 1 month later...
  • 7 months later...

Hi,

Have had an offer of full restitution from the insurer, quite clearly Santander are going to take a large hit on this one. Just awaiting a cheque. Another one down, some of the other ones Santander took over may also pay up l think.

Good luck to the rest of you

Cups

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