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    • Good luck with that. Most leases don't even follow the majority of the 2002 regulations (too old) let alone the new one. The £250 cap needs to be placed in the lease through a deed of variation and good luck getting freeholders to agree to that. It's not just some magical thing that just caps it one day. Some freeholders are only reducing them through lease extensions at massive costs (essentially buying out the difference in ground rent) and if you're doing that you might as well extend on a peppercorn anyway.
    • Yeah, I would confirm that anyway, as there is a separate sheet where I have to put in those details and my insurance number and driving licence number. That is on page 2 (page one is their allegations) then page three is a statement that you weren't the driver and space to give details who was driving. Page 4 is an empty sheet for a statement to explain the situation. So I will fill out my details as the driver on page 2, admitting I was driving at the time, and then attach my statement as above as a separate sheet. That should hopefully do it at this stage
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
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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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Natwest charges


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Hi Katesage I don't want you to think I am ignoring you, everything going well at the moment, I don't think I would have gotten very far without all the help I have recieved from everyone here. I would have been so worried and stewing on this problem if i was still alone.:)

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You'll never be alone on here. :D

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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l beleive the account will be in dispute so they should,nt do anything till its resolved l'm sure someone more knowledgable than me will confirm this our account was put in default but now we won our money back it's suddenly in operation again!

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I received a letter from Senior Compliance Manager, 07.02.2007 Ref: Request Statements. They say they will send information soon.

I am concerned about Manual Intervention, they say. With reference to your request concerning any 'manual intervention' to the administrative charges debited, these charges have been processed in accordance with the terms and conditions of out current agreement with you as a result of the activity on your account. In the event that you breach the terms and conditions, we will take the appropriate action, contacting customers when appropriate, or handling customer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer and where appropriate noted on the account.

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  • 2 weeks later...

Hello All. sorry i've been so long in replying, not been very well. I requested statements from 31.01.2002 - 31.01.2007. I received statements from 29.12.2000 - 30.01.2007. On the 31.01.2007 I had a bank charge of £28.00 + £6.41. which they kindly left out. The bank sent me a note emphasizing this charge was an unarranged borrowing fee, single account.

Also I received statements for, Joint Account dating from 20.12.2000 - 01.08.2002. I have been waiting complete set of statements since 08.02.2007, still nothing in the post. The letter i received following the statements was sent from Lorraine Cassidy, Senior Compliance Manager, stating that if i had any queries to contact her at the telephone number above. there is no phone number, only a facsimile.

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I have tried to look at your example spreadsheet, i cannot get to it

Do you mean you can't find it or can't open it?

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

and visual guide here:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

You need Excel to be able to open it.

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You can download OpenOffice for free here:

Spreadsheet : Alternative to Excel

Free alternative to Excel

but it's quite a large program

or use the on-line calculator here:

Bank charges: Reclaim them, they're unlawful, so you can get six years money back

 

You can't save it so when you've entered all the charges print out a few copies. Also each type of charge has to be entered by hand afterwards.

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Hi, I have sent second letter for Single Account, with charges and interest plus spreadsheet info, have saved copy.

I phoned 0845 605 2605 on 22.02.07 requesting the rest of Joint statements, still waiting, nothing in post at the moment.

 

I am annoyed, the bank is still taking charges out of both accounts, can I claim these back later.

I am seriously thinking of changing banks, if i can't stop them taking these charges.

 

Thank you Mr Browne, I have used, copied and saved all the advice and samples given reguarding charges claim, I will be back when I get more info.

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Guest NATTIE

Yes on claiming them back later, did you think they would not take charges because you are claiming? It doesn;t work that way.

The advice on here has always been to change banks, the so called parachute account, so i would do that anyway. Fresh start and all.

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I had sent my first letter on 29.01.07. I still haven't received the rest of my joint account statements. Phoned on 22.02.07 still no statements. I have phoned again 07.03.07, I have a strong feeling they won't send them. As I requested both single and joint, I am sure the £10. cheque was not enought fee for both claims. Today 08.03.07 I have sent another access letter with a £10. cheque as I feel that this may work.

I am still waiting for post, I will let you know IF anything happens.

Also I have sent second letter for single account with calculator info etc, nothing yet, I will let you know by 14 day reply.

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The £10 fee is enough to cover all the information on both accounts, there was no need to send a further £10.

 

If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a County Court action under the Data Protection Act.

 

If the bank does not respond to your 7 day warning then begin your complaint and start your action.

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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The £10 fee is enough to cover all the information on both accounts, there was no need to send a further £10.

 

If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a County Court action under the Data Protection Act.

 

If the bank does not respond to your 7 day warning then begin your complaint and start your action.

 

Thank you deller1, I will do this. will let you know what happens soon:D

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  • 1 month later...

Hello Michael, thank you for your help, I found old thread, can't do anything about the name.

Single Acccount. I have received a letter from bank, they offered the charges only, and two options, If I don't accept and sign the form they sent me, they say they may consider if they are prepared to continue with existing account, or an account that doesn't offer borrowing facilities. I am not signing, can you advise on next stage. I was in the process of sending a third letter, but I'm not sure, and I don't want to make any mistakes.

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They are only offering the charges if we sign the form and in the letter it says. To accept this offer in full and the final settlement, complete and sign the form.

Then it goes on to say.

Any charges that properly accrue in the future will be applied to your account in line with our published tariff and in accordance with your agreement with the bank.

We feel that signing this form we are giving them permission to take out the charges in future, and we can't complain later.

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Send them a letter accepting the refund of charges only but rejecting agreeing to future charges. Can't hurt!!!!!!!!! :D

Can't find what you're looking for? Please have a look at Michael Browne's

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*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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