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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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Lee v Halifax ***SETTLED IN FULL***


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Hi, Been a member for just over a week, so thought Id make my first post.

 

I am now taking on the entity known as Halifax PLC to get my money back, I reckon they owe me a couple of thousand back in bank charges.

 

Ive requested my bank Statements directly from them, didnt bother with the SAR (is that Ok?), still waiting for them to come through.

 

Got the excel spreadsheet ready and waiting to calculate how much they owe me and will take great delight in sending off my Pre-lim.

 

Ordered them last wednesday so any day now :)

 

will keep all informed.

 

 

Lee

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  • 2 weeks later...

Hi, sorry this is my 2nd thread as cant find my first one lol, (will bookmark this one).

 

Rang up halifax on the 18/10/06 to request statements

 

Rang up again on the 24/10/06 to see if they have been sent. Got told yes.

 

Today (01/11/06) got a letter from them asking me to pay the £5 payment to cover the costs.

 

Rang up and moaned stating that Id already told them to take the £5 out of my account and what is going on as Ive been told that have already been sent.

man on phone stated that all calls to belfast are recorded and that he would contact the manager of the person who told me and if its true they will send them straight away, He even said he would call me back to let me know, so Ill give him till tomorrow and see if he does.

 

WANT MY STATEMENTS SO BADLY NOW LOL!!!!! Want to get an idea of how much Im gonna get :)

 

Anyway will keep u informed.

 

 

Lee

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Update:- Rang Halifax again today as no phone call recieved. I have been told

that I dont even have to order my bank statements and that all I need is an information letter detailing them all and there is no charge for this :)

 

She has said that she has ordered it now and it should be with me in 7 - 10 days :)

 

Lee

 

18/10/06- Requested Bank statements by phone

24/10/06- Was advised bank statements sent

01/11/06- Letter recieved asking for £5 charge. Called Halifax promised call back.

02/11/06- No call back received. Requested information letter detailing charges.

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3/11/06, Got a call back today from the man I spoke to on the 1/11/06.

 

Told him that Id been told that I dont need the statements etc and he said that I do and that there on my way to me lol, Cant beleive that place, they really dont have a clue what their doing lol!!!!!

 

Anyway, gonna call again monday and make sure theyve been sent.

 

Lee

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Hi, have just sent my prelim and got a few questions and hoped someone could help:)

 

How likely is it that they will close my account? Im claiming £687.

 

Do they put the money directly into your account or by cheque?

 

How likely/often do they just settle after the prelim?

 

 

Thanks in advance

 

 

Lee

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Replies in red........

 

Hi, have just sent my prelim and got a few questions and hoped someone could help:)

 

How likely is it that they will close my account? Im claiming £687.

 

We can't give any precise answer to that, but they are not in the habit of closing accounts. You need to be prepared for this though, just in case.

 

Do they put the money directly into your account or by cheque?

 

If the account is still active then it will be refunded to that.

 

How likely/often do they just settle after the prelim?

 

They are most likely to settle in full after the court claim is issued.

 

Thanks in advance

 

 

Lee

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 weeks later...

Ok received a letter through from Haliprats on Friday (17th Nov), offering me £212 pounds. Im claiming £687.

 

My LBA isnt due until next friday but seen as though they have replied to me am I right in thinking that I should accept it as part payment etc.

 

NOW THE CONFUSING BIT:)

 

Im going to attempt to claim contractual interest!!!! lol

 

Has anyone got an idea of what kinda letter I need to write them, bearing in mind that I will accept the £212 in part payment, its my LBA and also that I will be claiming Contractual Interest????

 

Also is there any other halifaxers who have been succesful in claiming contractual interest???

 

From phoning the customer realtiones department the other day they didnt even know what it is???

 

Please help :)

 

 

Lee

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From what I've read on other threads, its better to do separate claims for separate accounts or its gets confusing! If you get any spare time, ( do any of us get spare time? ) take a look through the winners threads. A lot of my ques have been answered by looking through ones that have gone the whole way and won!!! Most of the answers you want will crop up in there.

*Hayley*;)

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  • 3 weeks later...

Filed on the 5th deemed as served on the 7th. Have rang Halifax today to make sure they've received it and they have:) , So just a waiting game now!!!! Im starting to get very excited lol. Anyone have any idea how long it will be now, Ive been trawling throught the other posts. Some people are saying that they seem to pay out on the wednesday after its been served????

 

As everyone else whos been in this situation I keep on thinking there gonna drag it out!!!!

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  • 2 weeks later...

Ok little update, Rang Rachel Hincliffe, She said no claim recieved!!! Faxed through to them. She confirmed recieved. Said acknowledgment of service done on friday. Its now Tuesday and I havnt had anything in the post? Should I have by now? She said to me they now have until the 4th Jan to put a defence in? I thought the acknowledgement was the defence???

 

Any ideas?

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lee.all the banks know these charges are illegal,they wont defend because they know they will lose,if your having any doubts read all the posts on this website,if that doesnt convince you ,go to www.money saving expert.com there are dozens more examplews of settlements and tips on how to continue your claim succesfully.EVERYONE dont let them convince you to settle for less than the full amount.

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Got the letter through yesterday offering me settlement. They wont consider the contractual interest part of my claim but really need the money so have called and the woman said she will make a note that I will take the money. I havnt actually said to them yet that might continue for the contractual, (worth about £500), I just want to make sure I get the first bit of the money in. She says it will be between 5 to 10 days apparently. Anyone have any experience of how long it actually takes???

 

Another quick thing, Why is it that some people just find the money in their account and then get the letter but others like me get the letter first?

 

Is halifax not asking for people to accept it first?

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If you accept this payment (presuming that it will be called 'full and final') then it is the end of this claim, you can't change your mind about the contractual interest bit later.

 

That's not to say you should or shouldn't accept it - that's up to you only - but I just want to make that point clear.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi all, hope everyone had a good christmas.

 

Ive rang Halifax again today and asked when the money will be in my account. They have said probably late next week now!!!! I cant really wait that long as Im away for new year and really need the money!!!

 

Anyone got any idea how long it really takes?

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Have just rang again and went through to the actual department. She just told me someone has been dealing with it today and the money should be in there by the end of today!!!!:D

Im well chuffed:). well when I get the money in there I will be:D

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CONGRATULATIONS

 

Please take a minute to complete our SURVEY too.....

 

We will move the thread in a few more days - let others see the success first!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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