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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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Weller11 v Halifax


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I disagree. On my statements it does not list 'debit interest' on it's own. Is hilliards getting confused with 'credit interest' which is, naturally, added on to your banance

On the statements I got I had lots of 'charges as advised' plus a few 'debit interest - advised last month' entries. All of these went onto my spreadsheet. There were also entries like 'credit interest' and 'debit interest', which I did not include as those are part of the overdraft agreement I had.

 

Yes, part of that could have been attributed to charges being added, and I know the complex spreadsheet can work that out, but I used the simple one as that made my claim much easier to understand.

 

Oh, to go to the 'me+missus v halifax' thread - click the viewpost.gif next to tamadus - nice and easy...LOL

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Have received a reply from Halifax stating that theysorry to hear I'm unhappy with the charges ??????????????? but to allow them 4 weeks to look into it? Do I have to allow them 4 weeks, I thought it was just 14 days as stated in my prelim letter?

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Hi, can anybody help. As stated have seny mt prelim letter and in the letter stated that I required refund of all charges by cheque.

 

My account has been suspended (due to going over OD limit, not helped at all by £800 charges) so I can't use my account and as my benefits were in fact "taken" from me due to the charges, can I persue the request of getting my charges refunded by the way of cheque or does it have to go into the account (if they pay). I know it will reduce the OD but I still won't be able to use my account and I have in effect lost my benefits.

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Read about this somewhere else. (Barclaycard threads I think.) The banks are entitled to use any charges refunded to you to reduce your indebtness to themselves - BUT - unless anyone says I am wrong, the fact that you have asked for a cheque made payable to you with your prelim letter and I would state the same thing again with your LBA they cannot pay it into your now non-used account. Sally;)

 

 

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It's a tricky one - if they are repaying charges then they could claim that this has to go against the overdraft, and refuse to pay by cheque on the grounds that you are claiming for monies that have gone to cause (at least part of) the overdraft.

 

They tried it with me, by putting in the offer letter that they would take part of my claim to repay the overdraft, which by then had been written off by head office and the account closed. In my case this was only a small part of the total claimed.

 

If you owe them more than the value of the claim then they will no doubt want some form of repayment of the overdraft as part of any deal. I face that prospect in my credit card claim.

 

On the other hand, when I eventually did settle, they agreed to pay by cheque (bankers draft even) and not to deduct the amount they had written off. It was a contradiction, they've either written that off or were claiming it...

 

Depending on the amount involved, they have the option to close the account and write off the outstanding balance. In that case they would have no choice but to pay by cheque, although they have been known to pay into a dead account before now.

 

In the end, if they do pay it into that account you wouldn't lose, it would still be a win, but the claim would reduce what you owe. It also depends on what the court would say, if they were to defend etc.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Have just called the Halifax Customer Relations Deparment re my claim as tomorrow is 14 days since i sent my prelim letter and they have stated they are still looking into my "compliant" and their current response time is approx 8 weeks!!!

Should I still send my LBA on Saturday?

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Delaying tactics, nothing sinister about it. If they can make you wait an extra 8 weeks would this make you anxious and then when they offer you a reduced amount is there a possibility you might accept because you were worried they would go no higher?

 

As Michael says 'YES'. Relax and start enjoying the ride. Stick to the guidelines and enjoy the extra money for Easter. Sally

 

 

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Now don't be miserable pet. I sent my letter on 18/01/07 and got a reply on..................... (wait for it)........................20/01/07!!!!!!!!!! See, they know that I am a 5' 2" blond - BUT I MEAN IT. If you don't get a reply on Wednesday it will only be because they are still snowed under and courtesy of the Daily Mail more people are claiming because they want to send the baliffs in. Oooohhhh now there's an idea.:rolleyes:

 

 

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Though I'm blonde too I've got 2 inches on you so I might get a letter on Tuesday :lol: !! Though I doubt it, how did you go on if you don't mind me asking - I have looked for your thread but can't find it - I'm pretty useless at finding my way around here.

Suppose I am just expecting the worse - I never have any luck (oh, now I'm feeling sorry for myself, never mind its nearly bedtime for the children so I can have a large glass of Baileys to drown my sorrows).

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I am under "sally v halifax2". 2 because I claimed some money back from my mortgage with them. Silly thing to do really as I still have 5 years to go. Didn't read enough when I was new. They offered me £1500 LESS so I have said no. What a cheek, NatWest offered me £300 less. (They were told no as well.)

 

All right lofty I will join you in a gin and orange later. Special price at christmas and I had a £2 voucher from Gardeners World weekend last year so it only cost me £8. Roll on payday when I can buy some Bailey's as it is one of my favourites. Most alcohol is my favourite. Aldi have a lovely line in bottled beer (I am a snob!) at £1.29 which is Marston's and I would heartly recommend. Rosey Nosey is one they do just for Christmas and is superb. Talk to you soon I am sure. Stay happy, Sally

 

 

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Hi All

Does anybody know if Halifax are likely to defend my claim - when it gets to that stage as I have a large authorised OD with them and it is currently overlimit ( a lot of this is charges) and no monies are been paid in - they have put a stop on account but this was before I started this process. Any advice much appreciated Thank you

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Either they will or they won't. Don't forget you are in the right place for advice. We are at virtually the same stage together so I will hold your hand if you hold mine. I have to file at court next Thursday so no surprises what I will be doing this weekend. Next weekend I will be preparing for questionaire just in case. This is 2 weeks or so later. Some banks are better some worse apparently. NatWest seem ghastly, Co-op are more reasonable. As long as it all comes right in the wash. Get out in the garden is what I am going to do tomorrow/Sunday. Very relaxing IMHO (in my humble opinion) Sally:)

 

PS. I have to file against NatWest as well. What kind of idiot am I? Don't answer that.............................

 

 

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Thanks Sally - you're always there - just very scared in case I have to go to court as I might have to explain my very large OD!!!

No, no news as yet so feeling very downhearted - they are probably just laughing at me.

I'm all for holding hands but maybe, just maybe instead of that you could just do it all for me - that'd be great :p and I might even buy you a bottle of Baileys, not that that would be a bribe or anything (lol) ;-) .

Does nobody else read my thread as you seem to be the only one replying but I am grateful honest - just would be like to bit a bit more popular :sad:

 

If you have to file at court next Thursday, that means I have to do it on Friday/Saturday - I posted the LBA on saturday so which day do I do it? And what do you mean preperaing questionaire? What do I have to prepare? Oh no - am getting scared now. And what are you doing this weekend? Not sure I am doing the right thing now - oh blow it - they have !!!!!!! me for money and I want it back!!!

 

I have read the step by step instructions and they have said nothing about the above :o

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Sally - if you go out in the garden you will be freezing and wet and I really am concerned for your well being (lol) it's ***** cold and you can't do your gardening in whether like this. What, with sueing all those banks and now this gardening lark I think you need to rest :D

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So there I was about to take a bite into my pate on toast and I read the above. Do you want me to choak?!!!!!!

 

The questionaire section is Part 8 of the faq's.

 

I sent my LBA 18 January so the 14 days is up on Thursday 1 February. I have to wait that long to give them a chance to respond to my rejection of settlement letter which I posted last week if you recall. Don't get downhearted. If they send you an offer just before their 2 weeks reponse time is up you can then file at court. It might be an idea (just to cover yourself) to alter the rejection of settlement letter stating that you will be commencing court action on ...................... date. So you see, them keeping you waiting will have no lasting effect. You have already written telling them they have 2 weeks so stick to that. No, you don't have to give them a rejection response do you . You said 2 weeks and that is plain enough IMHO.

 

Sun is not out, so perhaps I will stay out of the garden today. I thank you for your concern. lol:lol: Sally

 

PS What do you mean no one else reads this thread? Site workers seems to come along like buses. If they say nothing this might be an indication that you are doing okay. What kind of interest did you go for in the end. With the Halifax I have gone for statutory with the 8% when I get to court.

 

 

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