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    • Thanks 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 concenquences 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?
    • 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
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
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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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They Are At It Again!!!!!!!!!!!


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Hi everyone.

I have joined today because I am about to take on Halifax plc. I naively thought a begging letter to their understanding (not) Customer Relations department would get me back the £270 in charges they applied to my account when I was out of the country and over my agreed overdraft by £225 for little over a week.

 

I have been told today that I am in breach of the contract I signed agreeing to conduct my account in a "proper manner" so I am not getting the charges back. :mad:

 

As I have been with the bank for over 17 years, I now think it is time they got a taste of their own medicine and I took them to task. I will be sending away the Data Protection Act letter tomorrow with the fee and hope you will all wish me luck.:Cry:

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Welcome,Lukesmum.You are with friends and will find all the help you need here.If you know your charges then start a fresh with the prelim letter all found in the banking templates.Please also read the FAQ's indepth and as many threads as possible you'll soon get the gist of things.Good luck.you won't need it as long as you do the right things as per here and stick to your timetable not theirs.Stick it out to the end.only accept the full amount and don't accept gestures of goodwill only as a partial settlement not full and final settlemnt.You intend to go all the way until you get the full lot.regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Just curious to know (although perhaps jumping the gun) - what happens when you've won your case and been paid out. Do the Halifax continue to charge you as before or do they just charge what they should charge i.e. the true costs to them of an unathorised overdraft.

 

Also want to know if they close your account in retaliation.

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I think you will find they will continue to charge you the same,they didn't close my account and unfortunately they will be receiving another prelim at the end of this month just to make sure they might charge me the end of month £28 over my overdraught limit.You know how they like to put it on in 7 days or at end of month,so i'll get the lot back then.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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  • 1 month later...

I sent the Data Protection "Non-Compliance" letter yesterday as the 40 days were up. My letter was sent 18th September & received on 20th September per the recorded delivery tracking on the Royal Mail site. The Halifax tell me they didn't get ot until 25th September so the 40 days are not due up until the 4th November.

 

I have told them I have proof of signature from the recorded delivery so they are now asking me to send them the tracking reference so they can investigate who signed for it and why it took 5 days to reach the correct department.

 

Now correct me if I am wrong but should they not just be getting on with my request at this stage? Is it really something I should be asked to do? Am I being petty?

 

I just feel that I am helping them with their case if I co-operate. It is not my fault the letter took 5 days to reach the relevant person.

 

I am sure I read another thread where someone was told the Halifax is a paperless office and all mail is scanned into the computer system on the day of receipt.

 

Should I give them the tracking reference?:confused:

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You should, and you should also remind them their time is up and you expect immediate action.

Regards

 

 

S

 

 

Halifax PLC - £607 - SETTLED IN FULL

Halifax Card Services - £1142 - SETTLED IN FULL

 

MBNA Europe - £842 - SETTLED IN FULL + INTEREST!

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  • 3 weeks later...

I have not received my statements yet despite emails from Kelly Duffy (name recommended on earlier thread) and a letter from them confirming my request is being dealt with. I sent my DPA Subject Access request on 18th September - and then the Letter Before Action on 30th October.

 

I was promised statements by 4th November but still nothing. The

b*$t*r6$ cashed my cheque for £10 on 25th September.

 

Can anyone guide me please. I don't know what the next step is and I've spent ages scouring the site for the links/threads to advise me but can't find them. I guess I need to obtain court order but need help in knowing what to do. If it makes any difference, I'm in Scotland. Don't know if the law is any different here.

 

Please help!!!!:?

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Guest Mumofthreeboys
No. Sorry I mean the non-compliance letter. I haven't got details of my charges yet.

 

That is what I was wondering about. So you sent the LBA for non-compliance then, yes?

 

If so, and nothing has happened, you now need to sue them.

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  • 2 weeks later...

Since sending my DPA Subject Access request on 18th September 2006, I have had nothing but the run around from the Halifax. They failed to supply my statements for the last six years by the deadline and only after hounding various employees via email addresses, I finally got my statements through last Friday.

 

I took Monday off work to attend to compiling the spreadsheet of charges and part way through examining the statments I noticed that a whole 18 months of transactions were missing. There was an entry for the 11th December 2002 stating "Account Renewed" and then showing a credit the same as the balance for that day. The next entry was dated 11th May 2004 and again was noted "Account Renewed" with that day's balance beside it.

 

I emailed the person who had signed the letter enclosed with the statements and he could not offer me an explanation as to why this info is missing. He said he would consult the IT department and get back to me by the next day.Of course he didn't until I emailed twice! Here is what he said:

 

"I have been advised that IT are "restoring the files" but that this is a complex task which will take some time, I apologise for the delay, but there is little that I can do to speed up the process. As soon as I hear something more positive I will let you know. In view of the delay I will arrange for the fee in respect of your request to be refunded."

 

Has anyone been treated similarly? I need to know what to do next. I think I have to send a letter of non-compliance. Is this right?

 

I am able to calculate my charges for the statements I have had - should I submit a claim now for that amount and advise I will be sending a further claim when I know the details for the missing 18 months? PLEASE ADVISE I AM SO FRUSTRATED!:-x AARGHHH!!!!!!!!

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