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    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe? 
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
    • amusing that 'bad economic judgement on behalf of prior party ISN'T a major reason to wingers to move to deform yet immigration is, where record levels of such has been driven by the right wings terrible brexit and the later incompetent dog whistle 'proposals largely driven to whistle to the right wingnuts Just seems to confirm the are clueless numpties 'wetting their own shoes   Has farage bought a property in Clacton yet?   yet concern for the NHS is listed as a major issue even by those saying they are moving to deform  
    • Also, have you told us how much you paid for this vehicle? Are there any other expenses you have incurred – insurance, inspections et cetera? How far away from the dealership do you live?
    • In fact I see that in the document you posted above – your letter to big motoring world you refer to the diagnostics report and you say that you sent a copy to big motoring world but you haven't let us see it. Any reason for this?
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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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Hi, sorry if im posting in wrong section not sure where to go.

 

I have just noticed on land registry there is a petition in bankruptcy notice 86 (2) from 2013,

 

within 14 days i paid the debt off fully,

but creditors (virgin) wouldn't acknowledge it or send a receipt,

 

totally ignored me when i paid the £8,500 by bank transfer (receipt found)

 

how can i get this removed as want to sell the house,

 

any help at all please as i thought this all went away in 2013 when it left me broke,

 

ive just back on my feet.

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Hi

 

Were you actually Bankrupt during this period?

 

Have a look at this link:

 

HM Land Registry - Practice guide 34: personal insolvency: https://www.gov.uk/government/publications/personal-insolvency/practice-guide-34-personal-insolvency

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You sure it was virgin (MBNA) that petitioned for BK

I bet it was a fleecing DCA

If it was

They probably don't know you paid the OC directly??

 

More info please

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If you were made bankrupt : consult your trustee in bankruptcy.

If you weren't made bankrupt : did you receive any order from the court?

 

From : https://www.insolvencydirect.bis.gov.uk/technicalmanual/Ch49-60/Chapter%2050/part2/part_2.htm

50.24 Vacation of registration - pending action

 

Under section 8 of the LCA1972, a registration of a bankruptcy petition as a pending action with the LCD will be automatically vacated after 5 years unless it is vacated in one of the following circumstances:-

 

the petition is dismissed or withdrawn with permission of the court and an order is made at the same time permitting vacation of the registration of the petition as a pending action. The court will send to the debtor two sealed copies of the order. It is the debtor’s responsibility to request the LCD and the LR to vacate any registration; or

the bankruptcy order is annulled (see paragraph 50.32).

Notes: [LCA1972, s8] [s266(2), r6.25(2), r6.27, r6.32 and Form 6.22] [r6.213(1)]

 

 

 

 

 

50.25 Vacation of registration - bankruptcy notice

 

The registration of the bankruptcy notice on the proprietorship register remains in force until a bankruptcy restriction is registered. It will also remain in force if the LCD automatically vacates an entry in the register of pending actions. The cancellation of the entry at the LCD will not cause the LR to cancel any bankruptcy notices automatically. Separate application must be made to the LR by the debtor for a bankruptcy notice to be removed. The debtor can apply to cancel the registration in the proprietorship register following the action in (a) or (b) above. Additionally, when the trustee in bankruptcy wants to register himself/herself as proprietor of the property (see paragraph 50.43), the bankruptcy notice will remain in force until the registration is complete or the property is conveyed by the official receiver or trustee.

 

The Land Registry are pretty good at telling people what they need to do to correct things as quickly as possible, although they can't offer legal advice.

(So, they may tell you what procedure needs to be followed, but aren't allowed to offer any opinion on if a procedure is likely to succeed or not!)

https://www.gov.uk/guidance/contact-hm-land-registry

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Hi

No i was never bankrupt i paid in full after attending court as i thought that would be the end of it, thanks for info i will red through it

 

the debt was to Virgin MBNA

it was chivers easton and brown division of Howell-jones solicitors who i dealt with

 

it was them i had to sign money over to as when i made offers they said their client would not accept any less than the full amount or they would put a charge on the property they didnt say they HAD done

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See 3...3.1...3.2...3.3

 

https://www.gov.uk/government/publications/personal-insolvency/practice-guide-34-personal-insolvency#removal-of-bankruptcy-entries-bankruptcy-notices-and-restrictions

 

Thread moved to..... Formal Solutions: Bankruptcy, Administration Orders, Debt Relief Orders and IVAs Forum.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 2 months later...

Hi sansukie

 

Thought I would pop in to see how it is going with getting the Land Registry removal?

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Well done...thread title amended to reflect the outcome.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hi sansukie

 

That's great news and well done to you

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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