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    • Yeah, I would confirm that anyway, as there is a separate sheet where I have to put in those details and my insurance number and driving licence number. That is on page 2 (page one is their allegations) then page three is a statement that you weren't the driver and space to give details who was driving. Page 4 is an empty sheet for a statement to explain the situation. So I will fill out my details as the driver on page 2, admitting I was driving at the time, and then attach my statement as above as a separate sheet. That should hopefully do it at this stage
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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    • 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 
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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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Mr Rob V Barclays


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Here we go then, the ball is rolling. I've sent my first letter with the £10 that has since been returned with a letter saying they'll send me the statements free of charge. (ah bless)

 

After reading through the other treads I'm desperate to see what my total charges has been to date. Although I'm better with my money when i started my apprenticeship 7 years ago i was getting charged 3 times a month, thats £75 a month for years.. What is the largest charges total on here so far for a normal current account?

 

I'll be keeping you all up to date with progress.

 

Thank you all

 

ROB.

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This is just me being dumb but i'm a little confused.

Now after i've worked out the total charges i then just askfor that back off the bank. It's only when they say no or offer me a small part of it that i file a claim and then add the 8% intrest + charges.

 

I'm just confused as to why the prelim letter in the library has the space for intrest.

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I'm struggling with this spread sheet (complex-bank-charges-calc) as i'm not sure of what my overdraft limits were 5 years ago,if it was free the dates they changed and the intrest charged. I've decided to just go for the cumulative charges. This way i can make no mistakes and give them nothing to come back with. Does this seem reasonable?

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I have sent the prelim letter off but have just recieved an other £30 charge. Is it to late to amend the charges. Can i send an updated list of charges with the LBA?

 

Yes that is fine also you can add the charge on to your schedule of charges should your claim get to the court stage.

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  • 3 weeks later...

Hi Rob

 

The paper N1 method taken in by hand or posted to the local court is now the same cost as the MCOL version (I think it was less online when they started to get it going).

 

I filed my claims yesterday at court and paid by cheque over the counter - I think I saw a chip and pin machine there so I guess a credit/debit card might be useable - ring them up to check the numbers are all on the HMCS (Her Maj. Court Service) website.

 

My cheque was payable to "HM Court Service" if you decide to send it by post.

 

You send three copies and technically your supposed to include three copies of the defendants form/advice from the website as well - but I forgot and the court said not to worry since they always add that anyway.

 

It can take up to 5 days to issue the claim that way and so your schedule of charges attached to the "particulars of claim" on the N1 form will be out of date if you include them (since the 8% interest increases each day!) but the woman at the court told me to just send an updated set once I recieve my copy of the claim back with the right date on it.

 

Hope that helps

 

The Badger

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  • 4 weeks later...
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When filing for judgement it asks for a date when i would like the money to be paid. How long do i give then as i want the money ASAP..

 

 

When filing for judgement it asks for RATE of interest, is this 8% or the 0.00022...

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Don't they just make you want to scream? They leave it till the last minute every time don't they? Our judgment went through as Barclays must have forgotten we existed and didn't file a defence at all. Not counting our chickens just yet though, Barclays are pretty slimy and might still come up with some cock and bull story that gets them let off by the Court. Good luck to you, keep going, Mr Rob, you'll get there in the end.

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