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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.
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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
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    • 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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I don't know!!!


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Hi I'm a newbee and just starting out on this journey. From what I've read so far in Scotland you have to go thru small claim court as it protects you from excessive court costs but you can only claim £750 at a time. I've been charged more than £750 since xmas never mind the last 5yrs will I have to do multiple claims? Do I do them all at once or one after the other?

 

Ali

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  • 1 month later...

still trying to get my old statements of the bank, have now received 2 identical letters, with the same date, to say that due to high vol. of requests etc. thay will be unable to provide the information within the 40 days. They also informed me it was within my rights to complain to information commissioner. What are they upto another stalling tactic? Anybody else having this problem?

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Complain to the ICO as well so that they know what is going on. They have a statutory responsibility to comply under the Data Protection Act, so the ICO needs to know this is happening. Several people have had this letter, and the more who complain about it, the more likely the ICO will take action to prevent them doing it.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Quick update:

 

Phoned the AQU dpt of CB at Leeds today asking when I would likely receive my statements the girl who answered thinks that it will be another 2 weeks at least. If I've not received them by then I should phone back, they may have a better idea then. SAR was sent on the 4th Feb so 40 days was up on the 16th March. I have sent a letter to ICO complaining and also to CB telling them that I have complained about them. Looks like next step is LBA for non-compliance of SAR (almost sounds like I know what I'm talking about here),not sure how much good this will do if they are truly that busy.

 

When is the statement due out about bank charges from the powers that be? and do you think that you will already have to be in the court system for it not to affect you?

 

Ali x

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The OFT report will make no difference to claims at all whether they are in the court system or not, as it will not be legally binding.

 

They could always put more staff on to make sure that they comply with their legal obligations re SARs. We need to keep the pressure up.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Looking for some advice, received one accounts statements on Friday and after going through them we have paid the bank £9348.36 in charges, sc monthly payments (not sure exactly what they are but the more overdrawn we were the higher they got) and monthly interest (wasn't applied every month so don't know how they work it out), over the last 6 years.Ouch!

 

Not sure how to proceed now as we are in Scotland and have always banked in Scotland with CB. Going to court sounds like it is going to have to involve a solicitor and could be very expensive. Has any one gone through the FOS for larger amounts?

 

Ali x

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Hi alki after reading your thread i would suggest taking the route of the FOS, there will be guidance on this available just shortly on the forum, in the meantime send them the prelim and the lba as you need the banks final response before complaining, there will be a clearer picture by that time of what suits best.

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thanks mac,

 

Still waiting for another accounts statements to turn up so will hold off just now until we have clearer idea. Sent them a letter 24/01/07 but without any specific numbers on it just that we were unhappy and wanted money back from charges, they replied with the usual letter, do you think we should just start again but with copy of charges this time?

 

Ali x

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ok cheers, on holiday with kids for next fortnight so if other statements ever turn up will have time to get it all sorted and sent.

 

Thanx ali x

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Hi, just to let you know that we received letter back from ICO. First part of letter explained what complaint was exactly etc. They then went on to say:

 

We would like to explain that due to the number of complaints we are receiving about failed subject access requests we are writing to financial institutions on a monthly basis, sending them a 'batch' of complaints.

We will be writing to Clydesdale Bank with the next batch of complaints at the end of April07 and will of course include the details of your complaint in our letter. We will advise Clydesdale Bank to ensure that they provide you with the information you are entitled to as a matter of priority. Furthermore, we will ask them to outline what steps they are taking to ensure their future compliance with the Act. Therefore although we will now close your case we would like to assure you that we will continue to carefully monitor this issue.

Finally, it may be helpful to explain that a breach of one of the data protection principles is not a criminal offence and we cannot punish an organisation for a breach of principle. Our priority is to get organisations to take steps to solve the problem and to ensure thay handle personal information properly in the future.

However, it may also be helpful to explain that if you have suffered a loss because an organisation has broken the law, you may be entitled to compensation. We do not have any powers to award compensation and any claims should be made through the Court.

So looks like we're just one of many complaints and CB are only going to get a slapped wrist, if anything.:x

 

Ali x

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Please would you scan me a copy of this letter in pdf format .

admin@bankactiongroup.co.uk

 

I am sure that the IC has powers to take firmer action than this and it is about time that they did.

 

Please would you also include your username on the email.

 

Thanks

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Bankfodder hope you received e-mail, Mr Alki had to send it as I 've still to work that bit out on the computer.

 

Anyhows, finally received 2nd accounts statements (only 3 weeks late!) and having totalled them up have another claim of £1,424.89, and they wonder why there is never any money in the account!

 

ali x

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  • 1 month later...

Hi all,

 

Received letter in response to LBA on Friday, straight from J Sutcliffe & co, offering us £400 Full & Final settlement (asking for £7,491.59 before interest),so not a chance.

 

Have sent them a letter back declining and gave them a further 14 days to pay the full claim before further action.

 

Also sent LBA for second account, put a few weeks between them to keep them seperate so that I don't get confused never mind the bank.

 

ali x

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Sounds like someone J Sutcliffe & Co has an odd sense of humour offering an amount like that.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Maybe they use CYNthesys to work out how much they are going to offer!

 

J Sutcliffe offered me £200 for roughly half of Alki's amount.

 

I suppose they are just trying to make thmeselves look better for the judge and try and show how reasonable they are:p

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  • 1 month later...

Quick Update:

 

The £400 full and Final settlement was actually for both accounts not just the one as I first thought so sent them back a rejection letter. Sent all correspondence to FOS on 16/07/07 for both accounts, as bank have joined accounts up, just put in one form.

 

Received a letter from the bank today offering £1880.00 for both accounts:mad: , this will be declined and letter forwarded to FOS.

 

Hope everyone is getting on OK,

Alki x

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  • 3 weeks later...

Hi everyone,

 

Well that's us now stuck, received letter from FOS this morning saying that due to the legal proceedings at the heart of our case being referred to high court they were unable to proceed with our case as normal. Will now have to wait until the outcome is known (so only about a 2yr wait then knowing CB!!!).

 

Good Luck everyone else,

alki x

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