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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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Can you deal a better final full discount with DCA's like Lowell etc?


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They cannot send a statutory demand for under £750.00 !!

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Some of my debts are over £1000

 

How would I know if a Statutory Demand is legit and real and definitely not to ignore it ?

 

Has Lowell,Red or whatever they call themselves sent out a legit SD demand?

 

Once I thank everyone for the help I'm receiving, I'm totally new at this and would certainly have paid the 50% if it hadn't been the help from here....I would have regretted it later

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This one was from Fredrickson which obviously isn't a part of Lowell....I think ?? anyone can clear this up (seems strange to get this from them and yet Lowell still manage to send one out from themselves)

 

It was a yellow card posted 5" x 4" size

 

fred.jpg

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Another threat-o-gram

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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got/had loads of those

 

ignore!!!!!!!!!!!!!!!!!

 

dx

  • Confused 1

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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This one was from Fredrickson which obviously isn't a part of Lowell....I think ?? anyone can clear this up (seems strange to get this from them and yet Lowell still manage to send one out from themselves)

 

It was a yellow card posted 5" x 4" size

 

fred.jpg

 

How was this received ? In an envelope ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Please, report that to the OFT. They are NOT permitted to embarrass you in that manner !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You can download the appropriate form from the OFT website.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I greatly respect the fact that you want to pay off your debts

but please consider who you are dealing with.

 

DCA's pile misery on people, using any and all underhand, immoral, if not illegal tricks in the book.

 

You owe it to your self and others in similar positions to make these people jump through any and all hoops you can legally find.

 

You have a right to ask for coppy's of CCA's and they are legally required to provide them.

 

If you have been miss sold PPI you can and should reclaim it.

 

If you find unfair charges you need to reclaim them

and once you've done all that you can sit back in a position of strength and consider offering a full and final.

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Hi guys,

 

Sorry to bump this back up but ....

 

Did I read somewhere about credit agreements being taken out before or on 2007? Was there a factor to consider?

 

I have just looked at one of the accounts in my email and it the confirmation email was on the 30/09/2007

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Ok I've just had a reply back from Michelle (Team Leader) Lowell

 

Mr Saxo

*

Thank you for your reply to my e-mail, Unfortunately I am unable to send you confirmation as requested by you to update your credit file as “SETTLED” as this is going to be fully Satisfied it will only be partially Satisfied, so we cannot update this otherwise, as we have to reflect the correct details* on the credit file.

*

I can advise that this would not be sold onto any other company once this has been paid, and that this an agreement between yourself and the Lowell group, and am happy to put this a letter for you

*

If* you have to go down the Bankrupt root due to this I am sorry that you feel that way, but we can not change the details unless this is paid in full.

*

Please advise if you still require a letter for the things I can do, or if you wish to pursue the bankruptcy root please let us know.

I look forward to hearing from you, so this matter can be resolved.

*

Kind regards

Blah blah

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if they strike a deal with you for 50% then the agreement is to pay THAT figure off - so you would be paying 100% of the AGREED amount surely?

 

if you bought a TV with 50% off from the original price, you have fully paid for it. not partially paid for it.

 

would this not be the same ?

If i help feel free to click star on my post. cheers

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no point in wasting your money then

 

ignore them

 

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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I would be different from dx and gust - not saying that they are wrong but i did what you did just to get rid of them all - I wasn't bothered about my credit file as it was defunked anyway with defaults and such,.

 

I did exactly what you are trying to do.

 

I was happy with the settlement figures and as long as I had it in writing that no third party could come after me for the rest - I paid them all off and glad i did.

 

Really it's now up to you what you do we cannot say what is in your best interests only you can determine that.

 

You have all the info you need and need to determine what you feel most comfortable with.

 

It is a hard decision

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Hiya - think most of the dca's that are around and more than 1 account with most as well.

 

I got anything between 30 - 50 % to pay off them - i wrote to them all offering 20% and then they all came back with what they would take,

 

but as above it has to be your decision what you feel you are most comfortable with

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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I would be different from dx and gust - not saying that they are wrong but i did what you did just to get rid of them all - I wasn't bothered about my credit file as it was defunked anyway with defaults and such,.

 

I did exactly what you are trying to do.

 

I was happy with the settlement figures and as long as I had it in writing that no third party could come after me for the rest - I paid them all off and glad i did.

 

Really it's now up to you what you do we cannot say what is in your best interests only you can determine that.

 

You have all the info you need and need to determine what you feel most comfortable with.

 

It is a hard decision

 

Ida x

 

I have to agree with Ida, if you have confirmation that they will NOT sell on the debt then for them to do it at a later date would cause them no end of grief.

 

You could, as a safeguard, send a Subject Access Request and specifically request the transcripts of the telephone calls and any other communication in respect of this particular issue.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

you need to send in dispute letters then as they are in default of your legal request

 

use this and amend to suit

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

print copies for yourself too and send recorded.

 

they cannot collect until this is satisfied

If i help feel free to click star on my post. cheers

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Hi Gust

 

I had a look at the letter and mate.....I'm confused as to what needs deleted lol

 

Looks really good though, does this mean they can't collect until they send the agreement or does it mean they can't do nothing now?

 

I have also went onto the Royal Mail tracking and been only give this:

 

Your item with reference ********** was delivered from our HOLBECK Delivery Office on 13/08/12

 

But I can't find where you view the signature of the person who signed for it

 

EDIT: It's ok found the signature

Edited by somethingelseplease
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