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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks 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 concenquences 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?
    • 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.
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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
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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.

      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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Halifax Credit card is it to late?


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Hi all thanks in advance for any help this forum is really helping me wish i had found it years ago.

 

I have attatched the cca i requested a long time ago and a letter rejecting my charges refund claim from a year or so ago. At the time i was in a very very bad place and couldnt be bothered to chase it up (silly i know).

 

Anyway i look any advice on whether i can still claim the £328.75 (including interest) from start of opening of this account, also silly as this sounds the agreement doesnt look very clear to me? (i am nothing like an expert though)

 

The current situation is i am paying a £1 per month to them as with most of my other creditors.

 

thanks in advance

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Nothing to stop you reclaiming the unlawful charges.

 

Prepare an up do date spreadsheet and start the process again with the lender.

 

You may have to sue them to get them back.

 

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This thread is pretty much a start to finish scenario for reclaiming via court and the process involved.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**(1-Viewing)-nbsp

 

Fos are likely to agree with the lender that the charges are fair so I would say they are a waste of time personally.

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just to update for my benefit as much as anything and a few more questions if i may

 

have collated all charges i had on my old sar on the excellent spreadsheet kindly provided by this site, however i then remembered that was only upto last year.

 

I have just had a postal order made out and will send for another sar and then collate all the figures, the claim is already around £600 so i would estimate it would be nearish £1000 by the time i have collated everything.

 

Questions

 

Will me making a claim affect the payment plans i have in place?

 

Never sure on this once should i sign or just print my name on letters to the halifax (or anyone for that matter?)

 

thanks again

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No it won't affect a payment plan as such.

 

It won't hurt to sign but what I would do is just make a slight alteration to your normal signature just in case it gets lifted and mysteriously appears on other documents. (it has been known to happen)

 

Alternatively put crosses through it thus making it more difficult to lift.

 

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thank you again ims

 

one further question which is related but not to halifax, having worked out some charges with other providers that totalk around£70-£130 is the same letter and spreadsheet the correct way to proceed?

 

only reason i ask is for a relative small amount i wasnt sure

 

thanks again in advance

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  • 5 weeks later...

reply today stating the following

 

"Unfortunately you have not supplied enough information to find your details on our systems. Please provide me with further information such as your account numbers (i did), date of birth and previous addresses. I am unable to continue without this"

 

 

is this just a stalling tactic?

 

thanks again

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how does this look?

 

Dear Sir or Madam,

 

 

re data subject access request

 

letter dated 21/09/2012

 

 

Account number: xxxxxxxxxxxxxxxxxxxxxx

 

I am unsure as to why you require further details as you manage to send me my credit card statement every month to the correct address.

 

My date of birth is xxxxxx my account number is above (as per first letter).

 

I look forward to your response within 40 days, as Halifax is obliged to reply under the Data Protection Act. If not I shall seek remedy from the Information Commissioner.

 

Yours faithfully,

 

 

 

xxxxxxxxxxxxxxx

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I'd mention in the letter that it is obvious they are in breach of the DPA (for the reasons you have stated).

 

This being the case you are preparing a complaint to the ICO as this is a clear stalling tactic and that their 40 days for compliance is still running from the date of your original SAR.

 

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  • 4 weeks later...

You are not after a figure.....you would be taking them to court to force compliance under the Data Protection Act with a figure for damages at the discretion of the court.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**(1-Viewing)-nbsp

 

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