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    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • 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?
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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 
      • 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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Erudio/Drydens SLC Loan CCJ - Advice Please - Set a Side claim proceeding.


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Many thanks Andy, 

 

I also have an open Investigation running with SLC - but hear nothing unless I call them, it gets escalated, then goes round in a loop. This has been happening since Feb...

SLC did say they are communicating with a third party on behalf of Erudio - unsure what this all means. I get told completely different things everytime I call SLC. 

 

I had requested a new SAR from Erudio on 30/03, as I would like to see what they are doing about this in general, and if they are liaising with SLC

 

I've had an email from Erudio - but nothing else... should I continue to pursue this? Or just hang on.. 

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the 3rd party will be drydens i expect.

 

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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Quote

should I continue to pursue this? Or just hang on..

 

Its irrelevant really to this claim...what you wish to do with OC is your choice. 

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...
On 20/04/2021 at 12:40, Andyorch said:

Allocation of the claim....the court will send you a Directions Questionnaire (N180) for you to complete and file...you will then be provided with further details (Directions) on what to submit next ( Witness statement and evidence ) in support of your defence....they will also inform you of the hearing date.

 

Some Courts can dispense with allocation and cut straight to directions...see what transpires and keep your topic updated.

 

Andy.

 

 

.

 

LEGAL : N180 Directions Questionnaire (Small Claims Track) **Correct at Sept 2016** - Court Procedure and General Guidance (mainly England and Wales) - Consumer Action Group

 

3 copies

1 wit you

yes to mediation

rest is obv

 

1 to the court

1 to drydens (do not give emai/sig/phone on this copy)

one for your file

 

 

 

 

 

 

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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just send drydens by 2nd class , you are a LiP and have leeway

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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  • 2 months later...

 

Hi All 

 

Update on above!!!, 

 

I replied saying I would go to mediation, but heard nothing from Drydens. Hand delivered to court etc...

 

I have received a new court date through for November, I contacted the court to say why had I not received any mediation and they replied to say the other side must not have agreed to it?

 

I was wondering whether to contact Erudio/ Drydens to confirm I had responded and agreed to mediation

 

If they had not adhered to CCA - will Drydens, Erudio show up to new court case? 

 

What should I do next? 

 

Many thanks 

 

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Both parties have to opt for mediation for it to happen. So now you do nothing except prepare for the hearing of Nov and refer to your notice of allocation n157 Directions,

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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ok, Drydens represntative said in the n244 hearing that I had not attempted to contact them to discuss before the hearing and this seemed to go in their favour. 

In reality I was concerned each time I contacted them their bill would go up, I feel like I want to contact them to say I had agreed to mediation but they did not respond for clarification... 

 

Its odd that they sent me a letter of service - mentioning mediation - before I even received the court letter about it?? 

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  • 1 month later...

Hi to All, 

 

I’ve got the court case next week with Erudio following a successful set aside hearing? 
 

Can  I add further evidence to my statement of truth? Do you have any advice on this please? 
 

SLC - O/C and I are still in discussions, they have offered £75 so far due to their maladministration of my account( many issues, some acknowledgment by SLC!!)  - I am going to take it all to the Financial Ombudsman
I feel I have a strong case, but last time the judge did not want to look through all of the evidence and I feel in 30 mins the detail is not there? 
Thanks in advance! 

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Has the court not sent further directions for the hearing or asked that you submit a further DQ ?

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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Have you received an N157 Notice of Allocation with the courts directions...? you state you have a hearing date which is normally on the N157

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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All it said on there was my phone number needed to be correct. 
 

I was directed to send  a  witness statement to the court after the last hearing where it was set aside. I’m just looking for the letter now to confirm. 

 

It’s in the crown court is this different, when I found out about it there was a warrant of control? 

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If you could just scan redact and upload a copy of the N157 and I can look at the directions.

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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I can’t find the new letter anywhere, &  I thought I had put it in a safe place!! I’ve just rang the court who confirmed the day and time, but I need to call another number which is ringing out for a copy of the listing. I will keep trying it. 
 

 

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Okay well i see you have submitted your witness statement /evidence so you have complied with the courts directions listed on the N157.

 

So back to your initial post of today ....

 

Quote

Can  I add further evidence to my statement of truth? Do you have any advice on this please? 

 

Why and what are you wishing to submit additional to your statement ?

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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I should have still be deferred after my maternity leave starting  jan 13 deferment should have started around that point , SLC had letters from me on file.. my loan should have never gone to Erudio. 

 

I was a shared borrower - Erudio should not have been blocking me from speaking to SLC. SLC were saying speak to Erudio - endless circle.

 

My name was spelt incorrectly I have an Erudio  SAR showing no correct CCA info was was sent to me from Erudio.  

 

Erudio took DD from my account in March 2014  and even Barclays thought it was a hoax and told me to cancel it. 


I updated my address with SLC in July 13 (we moved, but they only changed my phone number not new  address) 

 

I reinstated DD and continued to pay monthly but I now know it was only for honours. Thesis or Link called me they said they had cut me a deal to pay all off in 2017. I thought thesis / link were in competition. 

Edited by dx100uk
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And have you not already stated the above in your witness statement ?

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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That's why I was asking about your Notice of allocation n157...one of the courts directions along with submitting a statement states to disclose all the documents you wish to rely on......which if you have drafted a correctly formatted statement you would have referred to the documents and marked the relevant paragraphs see attached exhibits number xxxxxx.

 

Its all about reading the Notice of Allocation correctly and following the courts directions ...most  posters stop reading once they see the hearing date and completely miss that they have to submit statements and disclose documents.

 

 

 

.

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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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Yes standard notice ....

 

Quote

1. The case is listed for a hearing by telephone on 8 November 2021 at 3:30pm. You must ensure that all previous directions for the filing of documents and witness statements have been complied with.

 

Which were listed on your N157 Notice of Allocation

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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