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    • and it will be also now written off under age related criteria anyway.
    • DX: 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 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
  • Our picks

    • 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
        • Like

PRAC/BW Claimform - Payday Express /Express Finance


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Well it will have dropped off your credit file now after 6 years...so forget that .....

 

What is the exact date of this agreement ?

What date should the fisrt payment have been made ?

We could do with some help from you.

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Wow exactly ...I think I would have to suffer really bad postnatal depression to have to agree to that.

 

And they are claiming £505...that includes claim fee and sols fee ?

We could do with some help from you.

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Well its getting a bit late now and you really have not done yourself any favours leaving it late but you will be okay submitting a tad late.

 

Tomorrow....Scan redact and upload a copy of :-

 

The agreement &TCs

The default notices 

A copy of their statement

 

And we can see what we can do.....possibly throw a section in of Irresponsible lending by the OC for good measure.

 

We could do with some help from you.

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page 6 has all your details

 

dx

 

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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On the agreement ....you have covered signatures.....is it your name typed in ? What date is against your name ? 09/08/2013 ?

The application was made on line and yet there is no IP validation box.

 

I dont suppose you have  or could get access to your bank statements from this period to see if £225.00 was deposited into your account ? 

 

Point 11 of the T/Cs below state they will take payment using your debit card...did Payday Express not contact you as to why no payment was made or your Bank to inform you they were trying to collect ?

 

image.png.fde38119106aeb414abc6a177f038cf8.pngimage.png.fde38119106aeb414abc6a177f038cf8.png

We could do with some help from you.

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My names was typed yes, and the date was the 9/8/13. I don't have bank statements dating back then as it is over 6 years ago but I banked with Natwest and Nationwide not Lloyds as they state on the documents. I have never had anything from them until this pack came through.

 

I can't understand why the Default notice was not on headed paper like all of the other documents? this leads me to believe it was not the real one? What are your thoughts on that?

 

 

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Forget the DN its recreated....creditors are not required to retain a copy of the original.Which document refers to Lloyds as your account ?

We could do with some help from you.

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Using your credit file for what ?

We could do with some help from you.

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The address on the agreement and default notice...that is your current address and you resided there in 2013 ? The debt is over 6 years old now so iIt wont show on your credit files...it may if you can get a copy of an older report....6/8 months back.I would be concentrating on this incorrect bank/account number. ?

 

You need to get this statement submitted by the latest on Monday it should have already been submitted by the 18th Jan.......I take it you have not received the claimant's statement yet ?

We could do with some help from you.

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I have spent all morning going through historic paperwork.

I can't find anything

we moved last year so we ditched anything over 6 years.

 

I got the whitness statement through from their para legal, I have attached to see where I can go from here.

 

With regards to part 10, I have not signed it and as you previously noted there is not an ip address against it.

Also the agreement was for 28 days, after this was not met should the limitation period start from then?

 

If I can't go for the SB because of my mental state and being unemployed due to having my children, my husband had left me and I was in turmoil.

 

The address on the default notice is not my current address no, the default notice was the address I stayed at for 6 months to try and recover from PND.

 

I thought that I had an older copy of my credit file that we used for our mortgage but I have searched all emails and hard copies and I can't find anything.

 

With regards to the bank account I used Natwest, we had a historic joint account with Lloyds but this would not have been used as my husband would have had access.

 

The only other account I had was again a joint Nationwide account.

 

 

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images/posts removed
.
please do not post jpg picture images directly to a post
.
read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only

.
that way only logged-in,registered and approved caggers are the only ones that can download and see them
.
else anyone can see them caggers or not.

...

we have all the exhibits now from their WS

can we have all of their submission text now not just the one page you posted above now removed

please remember to use 

pdf only 

 

 

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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Share on other sites

All very strange...and what a repetitive lengthy statement all for the sum of £350.

 

Okay what address is on the agreement...that you have redacted...current or previous ?  

We could do with some help from you.

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So in Sept 2013 was you seperated at the time of this alleged application ?

 

Quote

we had a historic joint account with Lloyds but this would not have been used as my husband would have had access.

 

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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But not in Sept when the application was made.....you see where I'm going with this and may be entirely wrong..could he of made an application in your name or was he not like that and it was an amicable split ?

We could do with some help from you.

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Its just a possibility...you say that they have provided details of the banking account to be used in connection to the application...LLoyds...I assume an account number also provided...is that your old Lloyds account number ?

 

Quote

, we had a historic joint account with Lloyds but this would not have been used as my husband would have had access.

 

 

You see the loan would not have been approved unless the banking details provided were correct...they had authority to take payments using the debit card account number...yet they didnt get any payment ......Lloyds didn't inform you of the failed transaction .....Payday Express did not harass you with 50 calls a day asking where's the payment ?

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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