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    • again a quick google search states Appeal a DVLA fine - GOV.UK (www.gov.uk) i would not be appealing mind. it's only a summary charge which they rarely do court on and pass out the powerless DCA's whom are not bailiffs they have 6mts. see where they go. as you've sorn'd it will probably be nulled. dx  
    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
    • all DYL's are subject to a TRO. looking at this newish, ever increasing as old ind units have gotten removed, estate, there are only lines on one side, on the other there is a parking lane with traffic calming through which you mention. i seriously doubt your mate has any clue what he is talking about.!! its not a private housing assoc estate. so its a public council owned road. no construction co can just decide to draw their graffiti on a road. the DYLs are certainly there pre 2016 even before his home was built. now ive had a quick look to see if the main access to royal park road has signs. there is no royle park road even on your map but there is a royal barn road which leads to where you are parked royal road has a restriction sign on the pole by the fence of the electric substation jnc with gipsy lane there does not appear to be one leading in from the other end - tesco petrol station
    • Hi All. I was driving in Stevenage down a 40 road after coming off the motor way, i noticed my car felt a little "weird" i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intolerant on date night, we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i haven't received anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. Should i query the ticket as i don't want to miss any deadlines (if so who do i check with?) OR should i keep quiet. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the beginning of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, however he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt received any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her mail until last week. She received a letter dated 09/04/2024 stating she had failed to insure the vehicle and there was a £100 fine which could be reduced to £50 if she responds by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
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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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rogerebaker v Cap One ***SETTLED IN FULL***


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Dad? !!!!

 

Ok, back to serious made... good luck with it, keep us posted.

..

.

 

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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Im begining to like the Post Office.

 

Having only posted the letter yeterday afternoon its shown as delivered and signed for on their web site.

 

This web site is more addictive than my sons Tiger Woods playstation game, and that was very addictive.

7 actions in progress

 

amount refunded so far £6500

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Capital One have started ringing my son every day demanding some sort of payment. He told them To stop ringing and put everything in writting. He also asked whether they had received the DPA request. They said they had not which is strange as it was shown as delivered on the Royal mail web site early last week.

 

They told him he would receive more penalties if he didnt pay about £100 immediatly. Bearing in mind the credit limit on this card is £200 and he owes about £800 at the moment due to the charges he told them to add it to the bill which he fully expectes to get back with 8% interest.

 

As part of the DPA Letter sent last week I informed them that I intended to challange the charges and to mark the account as in dispute. Hopefully they wont issue any sort of default notice. Am I correct in assuming that if you have indicated that the account is in dispute they cant serve this default notice.

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amount refunded so far £6500

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  • 3 weeks later...

Cap 1 rang son today demanding repayment of full balance or they will send account for collection. I assume that means default of some sort.

 

As mentioned previously when sending DPA I informed them that I would be claiming back the charges and to make sure the account was marked as in dispute.

 

Still no statements.

 

I will fire of a letter tomorrow reminding them of the DPA deadline. Is it the banking code that mentioned defaulting an account that is in dispute and if it is, does anyone know if Capital one subscribe to it.

7 actions in progress

 

amount refunded so far £6500

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Statements from capital one arrived this morning. Probably the most comprehensive Ive had so far. I noticed that they were also charging payment protection insurance when on the application it clearly states he did not want it. Ill be getting that back as well.

 

Total £537.03p. letter will be sent RD on monday.

7 actions in progress

 

amount refunded so far £6500

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  • 2 weeks later...

I have just noticed that in the letter from C1 they stated " the OFT has said it believes default fees of 12GBP are likely to be fair"

 

Well Ive read the OFT report in full and it dosnt say that at all. In fact I think this statement from C1 is very misleading at best, and misrepresents what the OFT actually said.

 

I have made a complaint to the OFT about Cap 1 statement I dont expect it will get anywhere but what the hell.

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amount refunded so far £6500

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Yes, you are quite right Roger, it doesn't say that at all.

 

Well spotted.

..

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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...

Re the OFT complaint.

 

I had a phone call from Consumer direct who are funded by the OFT and deal with complaints etc etc

 

After explaining my point about the misleading statement in the C1 letter he went a bit silent and tried to tell me that the sum of 12 is allowed and is fair. he clearly didnt have a clue what he was talking about.

 

I asked him to pass the complaint to someone who had read the report and get back to me.

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amount refunded so far £6500

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Letter arrived today offering £176 in settlement. Without getting the calculator out I bet thats the difference between £12 and £20 refunded.

 

There was an interesting Typo in the offer letter.

 

"If you accept our offer your account balance will be £1550.34"

 

I have refused their offer of £176 but informed them if they wish to bring the account balance to £1550.34 I will be very happy to consider the matter dealt with.

 

I will file a claim with MCOL sometime this week.

7 actions in progress

 

amount refunded so far £6500

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  • 4 weeks later...

Letter today from Cap 1

 

apparently I have no chance of winning and the claim is doomed to fail

 

so they have decided to settle in full. 536 quid :lol: :lol: :lol:

 

He can still keep the account open but they will continue to charge penalties for being over the limit etc etc.

 

You know where they can stick their account.

 

Personally Cap 1 are the worst of the worst glad to be rid of them

 

survey completed

 

Donation to be made when money cleared

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amount refunded so far £6500

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CONGRATULATIONS

..

.

 

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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Congratulations, great work :)

 

Any I know how you feel about Capital One being the worst of the lot. I wonder whether we should make some mass complaint to OFTEL about their institutionalised harrasment telephone calls on late payers, etc?

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Good stuff!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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amount refunded so far £6500

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