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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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    • 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.

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      Many thanks 
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    • 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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Widowed and in a mess with Funding Corporation

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I was widowed last year a few weeks after my husband was involved in an RTA which wrote of our car.


The car was financed by the Funding Corporation.


We realised that the finance was a ridiculous amount of interest, and intended to pay it off sooner.


When we originally put a claim in with our insurance company,

the settlement figure was around £8000,

which would have left us paying a few hundred quid plus the excess.


But with my husband dying, I didn't go through with the claim, as I was all over the place, and tbh, everything has gotten out of hand as I couldn't cope.


They recently caught up with me,

and I am now pursuing the claim again,

so that I can pay them.


The problem is, that now they want over £17000 for the debt,

which the insurance pay out won't even get near.


They have said that they will send me an income and expenditure form,

and I have asked them for a new settlement figure,

but they refuse to give me a new figure, and say they just want me to start paying.


I've told them that there is no chance of me being able to pay,

and that I refuse to pay over £17000.

Surely there must be a way of sorting it?

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i would NOT trust TFC as far as i could kick them!..


look at the agreement


if it shows GAP

then you are covered


though as said if its not in your name, not your problem.



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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There was no GAP taken out, and even though I was not working at the time, or now, they still wanted me to sign the agreement. So now I am liable. I don't have any of the paperwork.

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I'm no expert with this, but I think you should be putting in a SAR request (that is asking for the information they hold about you and your late husband regards this agreement). It costs £10 and there is a template letter on here somewhere. That's going to get you all the paperwork hopefully, so you can go through it and see what is what. I wouldn't pay them a penny until I knew what it was all about, and after the year you've been through, its perfectly understandable that you are all at sea over this.


I'm sure others with more expertise will post up with advice for you, but this at least will get the ball rolling. General advice is don't talk to them on the phone anymore and everything in writing, what you send needs to go signed for.


Good luck I hope it gets sorted for you. X

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Love to know how they justify the amount they say you owe.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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I've spoken to the Funding Corporation today, after receiving an income and expenditure form, with a letter and a balance of £17802.50!


What they said was that at the time they sent the settlement figure to the insurance company,

that was the total loan amount,


but then they gave a rebate for early settlement.


This meant that after the insurance company had paid out, we would have owed a few hundred quid, based on the 8800 or so that the funding corporation would accept.


But obviously,

I've left it over a year to sort out, and they have said that because of the default on payments, the full amount without rebate is due.


So I would be left with a £10000 debt after the insurance pays out(assuming the insurance company will still pay what they were going to).


I told them that it was rediculous, as I would be paying out of my benefits for the rest of my life!


They are going to consult with their management to see if I can still have a rebate,

and assuming the insurance company still pay out the same,

I will be left with between £2000 and £3000 to pay.


It's better than £10000, I suppose.

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