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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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    • 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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Property undersold !!!!


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Hi all

I have been on and off of this forum over the past year or so trying to deal with a pending repossession of my house. In brief we had a commercial property secured on our home. This commercial property was repossessed and handed over to Law of Property Act Receiver. They sold it at auction for £50K (about 50% of its value). Complained to the bank, Lloyds, about this and they said "nothing to do with us". Usual story, they say the LPAR is only appointed by them but is ultimately working for us (yea, right) so any complaints should be back to the LPAR. We complained they said they considered they got a good price etc etc. Went to the FOS with a series of complaints about Lloyds including this one and just heard back after 18months that they are not going to uphold our complaint and they too say any issues with the LPAR should be directed to them and the FOS will not look at it.

 

 

However, since receiving all the information within my SAR I see that Lloyds had the property valued themselves 12 months prior at a £100K. The LPAR selling it so cheaply has ultimately left a massive shortfall which will inevitably lead to the loss of my home.

 

 

My question is, has anyone got any advice as to what action I can take against the LPAR for underselling the property? There reasoning was that they took the decision to sell at auction because it would stop Lloyds apply interest .... really don't know how they work that as I still owe a huge amount to which Lloyds are adding interest to the tune of £6K/year as a result of them selling so cheaply. Who are they governed by? What higher level can I take my complaint against them to?

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Auction is open market so not really much mileage in a complaint about underselling. It fetched what the market determined its value was.

A lot of commercial property is almost unsaleable so 50% less than you think it is worth may well be right, depending on likely planning consents. Did you have a commercial property valuer look at it to determine your value or is it based on something else?

You need to look at the other parts of the charges applied to your debt rather than this.

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  • 1 year later...

I have a similar situation with lloyds bank, though it wasn't sold at auction it was withdrawn as a result of the lpa receivers being negligent by not splitting the title correctly and not implementing the planning conditions attached to the sale, so the buyer (a builder) bought the site £120,000 cheaper than market value. the bank isnt interested as they claim they had no dealings with the sale although the lpa receives also added fees of over £10,000 on top, which the bank allowed. The financial ombudsman cant help either as it is out of their jurisdiction due to the property being in the company name, though the bank is holding us liable for the personal guarantee.

 

Its a very grey area which allows the banks to get away with any mis selling of properties by allowing lpa receivers to deal with sales. I have been advise that if I try to take the lpa recievers to court it would cost me as much as the guarantee of £50,000 plus interest. I could elaborate much further though its got very complicated and expense with solicitors etc.......

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