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    • All of the services listed in the upload link to convert to pdf and/or edit pdfs are online, which means you are uploading your documents to another's servers for the merge, and whilst some claim to delete the files within a given timeframe, we have no method of validating this. And so I avoid this, as I do not want my personal and often sensitive information to be in the hands of another. I'll upload to my website and/or one-drive and provide shareable links instead, this way, I remain in control and everyone shall be able to access my documents - there's much, much more than just those two
    • If you simply respond to the NIP and request for driver's details promptly the police will simply process it in the normal way and either offer you an out-of-court disposal or take court action (and which of those will depend on the speed and limit and your eligibility). They do not routinely ask for proof of insurance and there seems no reason why they should do so in your case. £300 and six points is the fixed penalty amount for no insurance. It can be more if the case goes to court. There is provision for n unlimited fine, up to eight points or a disqualification.   That is all as far as the penalty goes. However, you should not dismiss it too lightly. An endorsement for No Insurance will probably double your insurance premiums in the first year. As well as that, if you also have one or two speeding endorsements, the increase will be considerably more. In fact in those circumstances some of the mainstream insurers will refuse to cover you at all and you will have to go to a "specialist" (which means very expensive) broker. 
    • I think we normally recommend people to follow the upload link
    • I removed them as they have my email address on them, and so shall repost them once my Snagit scrolling capture thing starts working (needs reinstalling I think as it keeps falling over); they are an email that runs over two pages, so would be best suited to a scrolling capture. As for multi page formats, this is harder as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking
    • Oh that is very helpful, thanks a million for answering my query. Looking at the license right now. At the front it says the issue date is 2022 (that's when I swapped it), but at the back it says 2015 next to Category B. So, I'm definately at 12 points, right?  
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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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international call barring


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Hi all,

It has come as a major surprise to me that O2 are being incredibly unhelpful in applying either a credit limit to my phone (in case of unauthorized use if stolen), or applying an international call barr ( the most likely use if stolen).

 

Am i being unnecessarily harsh/stupid in requesting same or are they simply looking to profiteer in the face of possible misfortune?

 

Has any body managed to get this done with O2? And/or found an inventive work around?

 

Thanks

 

Jaba

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Hi

Yes mobile with O2.

 

All i have tried thus far is trying to persuade the call centre guys that this is somethings the network is well able to do IF they have the intention of doing so?....... but they are not interested.

I am also aware of a hack using some software, but that requires a jailbreak which i dont want to do at this stage.

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There's not a lot of point in arguing with the CC staff that O2's company policy is wrong - they don't have the power to change that policy.

 

Saying that, I seem to recall from my own (mercifully brief) days as an O2 CSA in Glasgow that international barring was actually possible, although a credit limit was not.

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If O2 no longer offers international barring, there probably is a workaround somewhere out there, though I suspect that any such workaround could be defeated by a determined thief. There are also anti-theft apps that will lock out the phone, delete stored data and so on and which can be accessed online.

 

You are not liable for any charges incurred after you report the theft to O2.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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If O2 no longer offers international barring, there probably is a workaround somewhere out there, though I suspect that any such workaround could be defeated by a determined thief. There are also anti-theft apps that will lock out the phone, delete stored data and so on and which can be accessed online.

 

You are not liable for any charges incurred after you report the theft to O2.

 

Although it is true that you are only liable for calls until the theft is recorded:

 

1 you do not have your mobile on you, and probably don't have a number for o2 on you.

2 a thief will take a phone with a view to instantly calling international premium rate number that they get some financial benefit to.

 

I would personally, just to put your mind at rest, Write to o2 and ask if they can confirm what measures they can put in place to protect you.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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I would personally, just to put your mind at rest, Write to o2 and ask if they can confirm what measures they can put in place to protect you.

 

An interesting idea and one i might just do to see what liability they may think they have.

 

. I still struggle to understand why so few if any people are complaining about this huge hole in consumer protection !

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Even if you disable & wipe your phone remotely a thief could put the sim into a different phone to use it ...

 

I am equally horrified by the mobile companies policies re credit limit etc. Even with insurance, you have to pay that instead - heads they win unless your insurance provider is a different company & they still cover unauthorised use after theft

 

I can't imagine that there are many customers who are completely happy with their lack of safeguards even against inadvertent own overuse

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Even if you disable & wipe your phone remotely a thief could put the sim into a different phone to use it ...

 

I am equally horrified by the mobile companies policies re credit limit etc. Even with insurance, you have to pay that instead - heads they win unless your insurance provider is a different company & they still cover unauthorised use after theft

 

I can't imagine that there are many customers who are completely happy with their lack of safeguards even against inadvertent own overuse

 

Hint for all, you can pin protect your SIM

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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Your phone will have an option to add a pin. All phones do.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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Yep. Usually 2 options. 1 is enable pin for the phone. Other is for the sim. On mine, both are enabled, so i need to enter my pin twice each time it auto locks itself, or i switch it on/off. Both Pins are different. On some smartphones, you can even make the pin a gesture so its pretty much impossible for anyone to crack.

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http://bswan.org/revenue_share_fraud.asp#.UaKSpNK-pcZ

 

November 2012

 

The basic GSMA roaming agreement for example, which is bilaterally agreed between two operators says that the originating operator must pay for all calls originating from his network — whether it is fraud or not.

 

..........

IRSF (International Revenue Share Fraud) is a huge problem that the industry finds difficult to manage. Unless we start getting some localized legislation in countries to stop the money flow, it will continue to be difficult to manage. Stop the money and you stop the problem.

In my view, the operator shouldn’t be paying money when they know that at the end of the payment chain, a percentage of this is going to get into the hands of fraudsters. In my view, this money is the proceeds of crime and payment could constitute money laundering.

 

from the previous head of Fraud Management at the Vodafone Group who left the post a few months ago.

the above article is a must read for anybody who wants to understand how the industry is being allowed to defraud the customers.

and this

http://www.itu.int/ITU-D/finance/work-cost-tariffs/events/tariff-seminars/Geneva-OriginID/pdf/Session5_Maxwell_GSMA_v3.pdf

 

the only protection the customer has would be to dispute the bill and wait for the Network to take you to court. I have not seen a single case where they risked doing this.

Edited by goodwill
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100% agree. As always in the mobile industry all profit is good, but any responsibilities are shirked.

 

IMO Jabamusic is trying a pre-emptive strike here. It would be good to get the view of the networks so let us know how they reply Jabamusic please.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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