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    • 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 
    • 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
    • You're right of course, just jarring when an actual man child is knocking on my door so close to the end. Anyway, I'll keep this thread updated if ever any exciting does actually happen. Thanks again.
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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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New Claim - Another Capital One


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Hey Doo....I see your thread hasnt had any silly comments for a few posts!!! tut! tut! :D

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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redsonja, you are right, make note, must get court claim out of the way (serious stuff) then lighten up, I'm sure some post is winging its way to me from Mr Uddy, full of comic stuff, if he ever looses his job he can become a comedian!Tanz, Stoats indeed!

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lol doo....I agree the pressure can get to you.....I think my O/H and children will be soooo glad when I have finished all my claims....problem is I then have my friends asking me to do theirs.....hopefully I will be an old hand at it by then.

 

Thanks Tanz....we can rely on you for our smiles!

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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You will all get the full offer believe me;) You may have to wait a bit for any remaining cheque though:mad: .

 

Seriously, if they hadnt offered the lot it would of been judgement day monday cos no defence was sent. They have cleared O/H's account completely and he has his full credit limit but it shows acredit refund payout on 21 feb andd still not got it:mad: Do you think I should tell the court Monday or not?

 

Milly X

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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You will all get the full offer believe me;) You may have to wait a bit for any remaining cheque though:mad: .

 

Seriously, if they hadnt offered the lot it would of been judgement day monday cos no defence was sent. They have cleared O/H's account completely and he has his full credit limit but it shows acredit refund payout on 21 feb andd still not got it:mad: Do you think I should tell the court Monday or not?

 

Milly X

 

if the money has been reunded in full then yes, infom the court.

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redsonja, must admit work on this site is building up, am starting hubbys Cap One claim, have daughters hsbc in process and have just started claim for brother with Abbey, then he has a Cap One for me to do as well. Phew.... seems I will be here for a while.

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Its amazing how many people are affected. I hope they are paying you well doo.....in vodka maybe? lol :)

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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hi there doo

 

just about to start my m.c.o.l. and every time l put in my details of claim go to calulate it it shows a page about cookies could you advise me what i should do/ or can you only admitt the claim when the courts are open?

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sonic007, sorry can't be much help, have never used MCOL and the only cookies I know about are the nice chocolate ones you eat. Keeping posting though because someone will be able to help you.

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hi there doo

 

just about to start my m.c.o.l. and every time l put in my details of claim go to calulate it it shows a page about cookies could you advise me what i should do/ or can you only admitt the claim when the courts are open?

THANKS THERE DOO YES THATS WHAT I THOUGHT GETTING A BIT STRESSED OUT NOW MITE NEED A COUPLE OF THEM MYSELF
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sonic007, don't get stressed, I'm sure someone will help, search the threads till you find someone who has used mcol and post there. It's amazing that you do all the reading and think you are prepared but when you actually do it there are still so many questions you need to ask, good luck.

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hi there doo

 

just about to start my m.c.o.l. and every time l put in my details of claim go to calulate it it shows a page about cookies could you advise me what i should do/ or can you only admitt the claim when the courts are open?

It might be just asking you to enable the use of cookies on your computer when using the MCOL site. Answer yes, and that might do the trick. There might be a yellow band near the top of your screen showing this.

 

HTH :)

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Hey Bill, nice to see you around the site this evening, I have just had a pm from someone needing help with spready, not really my area as you may remember, can I get her to pm you?

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Hey Bill, nice to see you around the site this evening, I have just had a pm from someone needing help with spready, not really my area as you may remember, can I get her to pm you?

 

I have to tell you that there is currently a dispute over the quality of my advice and opinion. Until such time that it is adequately resolved, I do not feel able to safely offer any assistance. I am so sorry.

 

I do hope you will understand my concern that I do not give misleading advice until I feel that I have CAG's confidence. I can only suggest you try contacting these people with regard to this:

Vampiress,

Karnevil,

Jonni2bad,

RobertXC

 

Please accept my apologies

 

Bill. :(

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Sorry to hear all this Bill, I found your help to be invaluable - hope this can be resolved as I know alot of people feel the same way.

 

I have had a problem lately with google spready no.13 in vamps chambers, have sent pm to vamps about 4 days ago so hopefully will hear soon.

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Just to keep everyone updated, I have not put my court claim in yet as I have been in discussion with cap one since monday. Apparently they have admitted that the default was put on in error and they have told me they will remove it. So have been waiting for confirmation on this - it has not as yet shown on my credit file - apparently it will be sent to credit reference agencies with next batch after 17 March, so have held back my claim so that I can omit default bit on my POC. Have tried to get something in writing or e-mail but cap one have said they will send confirmation once it is all done.

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Just to keep everyone updated, I have not put my court claim in yet as I have been in discussion with cap one since monday. Apparently they have admitted that the default was put on in error and they have told me they will remove it. So have been waiting for confirmation on this - it has not as yet shown on my credit file - apparently it will be sent to credit reference agencies with next batch after 17 March, so have held back my claim so that I can omit default bit on my POC. Have tried to get something in writing or e-mail but cap one have said they will send confirmation once it is all done.

 

Doo have you any way of proving that this mistake by capital one has caused you damage to your credit history and more importantly did it cause you problems when obtaining a loan or other credit?

 

Just thinking if it would be possible to claim for some sort of damages in some way. See what J2B thinks as I would think you had a good case for this if you could prove it. Wouldn't it be good it you had applied for a high street loan and were refused, then, in a state of financial hardship (like I have done in the past) you had to go to somewhere with rip off rate such as (Un)Welcome Finance which meant you had got into further debt.

 

See where I am going with this??

 

Just a thought

 

Tanz

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I see where you are going with this Tanz and have been thinking the same thing, I honestly think it is unacceptable - unfortunately I have not applied for any new loans, credits or mortgage and quite honestly do not want to stretch out the length of my claim. I will be happy if I can get paid out in full including CCI, which I now feel will be some sort of compensation. The default would have obviously been damaging to any credit I would have applied for - 6 years is a long time. Jonni2bad has suggested that I wait for this to be sorted - this Monday I will have given them 7 days, I think 14 days is quite long enough and hopefully will be sorted by then, thanks so much for your input and support.

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You are right Tanz they do make you angry and I think as customers we too readily accept their actions and assume they are right - well before CAG came to force - I feel this site has helped redress the balance.

 

I am just fed up that I have to put a hold on my court claim, by the way have received another standard letter, same offer as before, last offer blah blah blah standard letter. They make me mad:mad:

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  • 2 weeks later...

Update - Cap One agreed to remove the default entry on my credit file, I just queried some facts and they offered:eek: . Anyway this has now been done but they have still left negative information on entry which they say will be removed once my new account is opened and the balance transferred, we will see. Have sent letter to them stating what they have told me verbally just to lay paper trial.

 

Also they did a full credit search on me with no permission or signed application, CRA told me they should remove this, so sent another letter to effect. Then I received a letter from them 'please find attached copy of your CCA agreement' only it wasn't there lol, another letter on its way to them. Honestly in 2 days I have sent 4 letters. Anyway court claim will now be filed.

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good luck Doo, seems like you're finally getting there

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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