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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • 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
  • 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

Me v's Natwest (Cobbetts)


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Hi all,

 

I am new to this site, was using BankChargeHell site but for unknown reasons this site appears to be in continual maintanence mode, does anyone know why???

 

My claim is at the stage where Cobbetts have sent me a letter saying their client will pay my claim in full, but it will take 14 days. 14 days is up and no cheque received. They also wanted me to send Notice of Discontinuance to the Court. This I said I would do when I received cheque. With No cheque obviously the claim at the Court has continued and now I've had the Order from the Court to provide schedule of charges, copies of all statements, statement of evidence that the charges are irrecoverable as penalties and copies of decided cases and other legal material. If I fail to do this the claim will be struck out!

 

I have left a message with Cobbetts requesting info.as to whether they are paying or wishing to defend now. No-one has got back to me.

 

Should I send a letter to the Court explaining the situation?

 

I could do with some advice please?

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Firstly like you say do not send the Notice of Discontinuance until you have full payment cleared in your bank.

 

Have you been given a court date at all??

 

My suggestion would be for you to prepare the court bundle (three copies infact), one for the court, one for Cobbetts and one for yourself.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

This will cover all the documentation the court requires.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Can't really help answer your question but i would like to know, what did you write in your particulars of claim?

 

I think i have done mine wrong.

 

Cobetts are refusing to pay up and i have recently submitted my allocation questionnaire to the court and are waiting for a reply. Cobettes are stating that my particularls of claim do not disclose reasonalbe grounds for bringing a claim against the Claimant to recover the bank charges.

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I'd be quite interested to see what both of you used for your POC, as a matter of interest.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Particulars of claim (POC). This will be what you filled out for your court claim.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Oh right...sorry that seems such a long time ago...I used a format from the other help site. Asking for a total refund of illegal charges, specifying date from to when these charges were made. Though I did add to the end 'as a gesture of goodwill I will not be claiming interest'. All I want is my money back!

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I think the Court also needs to be aware that they have offered me a full refund...and that I've just not received it yet. Do you think this is another tactic of Cobbetts, hoping that I will not proceed? Have they used this tact before...offering full payment and then not doing it?

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I havn't been aware of Cobbetts doing this before, but I suppose there is always a first for anything. I think it would be a good idea to make the court aware of the actions Cobbetts are using.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hello and Welcome

Congratulations for posting in the correct forum, here you will have other “experts” (I see dellar1 has already helped you - he smart that lad)who know how that particular this bank reacts.

 

I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!!

Remember the banks have acted unlawful you haven’t!!!

 

Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!!

 

Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month.

 

If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread.

 

Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!

 

Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!

 

Hope this helps

 

Good Luck

 

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Hi Allyxia,

 

Thanks for the welcome. I'm just at the stage now where i'm waiting/hoping for the cheque but it seems Cobbetts are (see my first message) being deliberately slow in sending this..thus making me have to do all the work with providing the Court all the details to ensure my claim is not struck out. Having lived in South Wales for 7 years in a small village you never know I might have heard of yours.

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I have had to send letter to Court asking what to do next....Natwest have agreed to pay but not sent cheque yet and time is running out for me to have to send in all gumf to comply with Court Order. Have asked the Court what I should do and sent with letter copy of Cobbetts letter stating they will pay up (just when is the question?). I'm jsut wondering if this is yet another Cobbetts tactic to dissuade or maybe NatWest don't want us all to have a fun Christmas (at their expense)... Advice would be appreciated. Has anyone experienced this before?

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This seems to be one of their new ploy's, what did they put in their offer letter??

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Their offer letter is for the full amount I am claiming. They asked me to send to the Court Notice of Discontinuance (which they had attached to their letter for me to do). I have replied accepting the offer but not willing to send Notice of Discontinuance until paid.

I have sent letter to Court today explaining situation and asking them what I SHOULD DO!

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You've done exactly the right thing, under no circumstances should you return that Notice of Discontinuance until the cheque is in hand or money is in the bank.

 

I've held on to my Notice of Discontinuance until they refund my AQ fee!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Merry Christmas all.

 

Could someone help me here please. I am compiling my 'bundle' for the Court as requested by the Court Orders one question asked is " A statement of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise" What is this all about? Is this supposed to be something I pull together in a summary from all the legal material I provide? Is there a template for this?

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Its a witness statement that you will need to prepare.

There is no standard witness statement since it has to be personal to the details of your claim.

But basically it should be on these lines............

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Cheque (£2.8k) dated the 11 of December and received on the 28th. Put in on the same day and finally cleared today. Amazing length of time!! Keep on fighting all of you. Am now helping friends with recovering charges.

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Congratulations, a big well done!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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