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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?
  • Our picks

    • 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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I went in to Brighthouse today to pay my account up to date and also to remove the OSC on my two items.

 

We have a tendency to go into arrears every now and then and end up paying late fees, but we always end up paying.

 

we were told by the assistant manager (the manager was not present) that we couldn't stop OSC as it was contractural

and it was also optional for them as it gave them different repossession options.

 

We gave her a letter (made up from the template on here) stating we were giving seven day's notice and asked her for a receipt for it but she refused.

 

We asked her to write us a note stating she'd received the letter but she refused.

 

She asked us why we wanted to cancel the OSC and I said because it costs too much and we could get a manufacturer's extended warranty for a lot less.

She said that this would invalidate our agreement as the items remain property of BH and have to be repaired by them.

 

She also told us that we could not cancel the policy purely on the basis of affordability.

 

They then said that because we are often in arrears, we couldn't stop the OSC policy,

but the manager would assess it and decide.

 

I picked up their OSC leaflet and read the paragraph on the back about our right to cancel, but this didn't make any difference.

 

I know that most of this is spurious rubbish, but what about the point regarding manufacturer's extended warranties?

 

BTW, the links on the fact sheet to the DLC, OSC and general terms and conditions don't work.

 

Thanks.

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total GARBAGE

 

quiter honestly i'd get that all in writing and send it to the OFT

 

as for extendend warranty

 

you dont need that EITHER SOGA covers you.

 

i like the comment about BH ownign the stuff too.

 

its correct

but try and get them to REPAIR IT, they deny all knowledge

 

riceless!!

 

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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Oh dear, yes, looks as though there is an assistant manager somewhere that might need retraining ?

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

Uploading documents to CAG ** Instructions **

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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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BTW, the links on the fact sheet to the DLC, OSC and general terms and conditions don't work.

 

Are these links on our site ?

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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Yes, the links to the T&Cs are on the Brighthouse Fact Sheet page (I can't post the link). They lead to a dead virgin media page.

 

TBH, their lying to me and treating me like an idiot has peed me off and now I'm thinking of reclaiming my OSC and late fees from them. They sent me an annual statement for each item recently and it shows for the two 27 instances of them charging me £3.50, that's nearly £100.

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No, that link for the DLC and OLC terms page works, but the links that are externally hosted to the actual docs themselves do not work.

 

As far as reclaiming OSC goes, the basis for my claim would be that the first time I missed a payment on it the policy lapses as per their terms (in their leaflet). Therefore, any OSC payments they have taken since then are wrong and should be refunded. Is this correct? Has anyone successfully sued them for OSC charges?

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yes they have coughed both.

 

use an SOC and DONT forget the interest they charges on them too.

 

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

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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mbalmer, have left a message to see if someone can fix them :)

 

I think I see what has happened. Apparently we werent hosting the links - they had been scanned and linked by one of the contributors to that thread.

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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The member has not got enough post count to use the pm facility,so one of the site team will ask and relay it to you.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi, I'm the Head of Customer Service for BrightHouse. Can you send me a PM please with details of the store this happened in please and we'll look into it. I'll also arrange for your OSC to be removed.

 

Thanks for the response. I can't PM, so I'll respond here. The store in question was the main branch on S****horpe High Street. My wife was quite upset by how rude the assistant manager was and left the shop before she lost her temper, particularly at the refusal to give us a receipt for the letter. She, like I, is a professional person and so she was well aware that we were being told a pack of lies and was somewhat incensed by the generally rude attitude of the person in question. This despite me warning her, based on my reading of this site, that the shop would be resistant to us exercising our rights under the agreement.

 

I too was disappointed that the store felt it necessary to blatantly attempt to deceive us. I had hoped for better, and to be honest, their lies are what made me read the conditions of the OSC in more detail and to realise that it has been illegally collected since it first lapsed. I am hoping that you can also arrange this refund for us.

 

Thanks.

Edited by mbalmer
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Thanks the filter has partially blocked the store name,since the missing letters are in the swear filter.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Brighthouse rep - can you not deal with this for the mbalmer rather then calling the general customer services number?

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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I think the meaning was if our member calls the number indicated,then will you be dealing with it ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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or if the member emails me with their contact details i can pass this on to you if you can then contact them?

 

can email me: idainfife@consumeractiongroup.co.uk (no spaces)

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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  • 1 month later...

So we got a visit today from our friendly neighbourhood Brighthouse collectors.

 

I was out so they harassed my wife at the door,

threatening to call the police,

shoving a foot in the door and claiming they had a right to be on our property.

 

They bit off more than they could chew as she soon saw them off the doorstep,

but they then proceeded to tell our neighbours what awful people we were and to discuss our private business in front of them.

 

Fortunately our neighbours have had previous dealings with BH,

so they were ok with it and helped to get rid of them.

 

This type of behaviour seems typical and a little rude when I reckon they owe us money for collection of OSC payments!

 

I'll be sending the "don't call us and don't visit" letter tomorrow and I guess I should actually speak to the Customer Services Director above. Ho hum.

Edited by MARTIN3030
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thats amazing.

 

so since the 29th of august

and knowing which store it was

 

the memo has still not gone out

to tell the staff at that store they are NOT BAILIFFS!!!

and that they have NO RIGHT OF ENTRY

 

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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Share on other sites

thats amazing.

 

so since the 29th of august

and knowing which store it was

 

the memo has still not gone out

to tell the staff at that store they are NOT BAILIFFS!!!

and that they have NO RIGHT OF ENTRY

 

dx

They are complete idiots .... I complained via email

On there website. She stopped the calls and doorstep

Collectors. Thanks to the advice I shoved in the email

From these threads... Its been weeks I havent paid a penny

And ive heard nothing ... They said this is the last week

We will take a reduced payment so I stopped paying

Tough.... They fxxed it up for them selves...

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So we got a visit today from our friendly neighbourhood Brighthouse collectors.

 

I was out so they harassed my wife at the door,

threatening to call the police,

shoving a foot in the door and claiming they had a right to be on our property.

 

They bit off more than they could chew as she soon saw them off the doorstep,

but they then proceeded to tell our neighbours what awful people we were and to discuss our private business in front of them.

 

Fortunately our neighbours have had previous dealings with BH,

so they were ok with it and helped to get rid of them.

 

This type of behaviour seems typical and a little rude when I reckon they owe us money for collection of OSC payments!

 

I'll be sending the "don't call us and don't visit" letter tomorrow and I guess I should actually speak to the Customer Services Director above. Ho hum.

 

This is absolutely disgraceful. You should be making a complaint to the OFT and Trading Standards for your area.

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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