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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

Do I have a chance with the Halifax??


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Lulu it depends on where your nearest Court is. If they have a huge backlog like Seaside lady I would do MCOL. Post where it is & I can try & find out for you

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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ah thanks jaynekul.

 

nearest one i think is bromley???

 

i cant believe i havent heard a thing from them.quite tempted to phone them up just to let them know i mean business! thought i would have got a letter acknowledging my lba which runs out on fri tho ! x

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Dont bother wasting your life ringing them you are only throwing your money away. They will say (& I am quoting from my own experiences in the plural) "oh yes your file is marked with a letter to go out today, if you just wait & see then ring us when you get it, until then we cant discuss it further" You will then wait up to 10 more days & then get a letter offering you less than half what you are claiming. Isue then you can get the interest. Bromley doesnt have the backlog weigh up which 1 is best for you then go for it

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Jaynekul

 

I just had to phone them today even tho you said it wasnt worth it but i just wanted them to know i meant business!

 

They said they were very busy i told them they could save themselves 8% interest if they sorted it out before we went to court they said a letter was being sent to me on the 26th feb.I told them that wasnt good enough for me and that on monday morning I will be filling a claim a against them.They said ok.

 

Im not really that bothered as my interest will be another £300 or so.Would be easier to not go to the courts but as i can see from reading all the posts the banks are not making it easy.

 

Therefore the woman said she will put on my notes that I will be filling against them if I do not hear anything by monday!!Looks like tonight will be me sorting out the interest and filling in the ni form that i have downloaded.

Would it be aprob if I ave any more questions to ask.

 

I have read so many threads yet i still feel that i have no idea what to do or expect from the whole court process.Arghh xxxxx

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Strange...

This afternoon I receieved two phonecalls from the halifax.

1st to my dads house which i havent lived in for 3years.The halifax are so stupid and do not seem to update their records.argh.He told them to try my mob.

I then got a voicemail from Margaret at the halifax.Very mumbled message saying that she was sorry she didnt get to speak to me but will be sending it in the post today! What the hell is 'it'?? I have noooo idea so lets see wot the postie brings in the morning. Bet its gonna be horrid.xx :confused:

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Keep us all informed...

they called me today to tell me that I'm over my authorised o/draft by £60 ish

Got defensive when I told them that if they hadn't taken £312 in charges over the last week or so then the account would be ok..

Survivor :cool:

If you found my advice to be useful, then please click the scales to the left - Thank you.

 

Halifax - 13/01/2007 - Prelim sent

Halifax - 27/01/2007 - LBA

Halifax - 19/02/2007 - Filed N1

Halifax - 21/02/2007 - Telephone call from Halifax offering FULL SETTLEMENT (inc costs & 8% s.69) - RESULT!!

 

Advice & opinions given by Survivor 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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It might be an offer lulu. ;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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It might be an offer lulu. ;)

I had a similar experience, was told over the phone that a letter was being sent out. When the letter arrived - day before LBA expired - it was just further waffle about '...sorry you're unhappy... ...complaint is being looked into... ...we have until 9th March...'

If they waited until 9th March, then that will be the 2nd time they have tried to push MY deadline back. They really do beggar belief!! I'm sure that my letter was sent to try and delay me filing my claim - guess only the arrival of the post will tell.

I hope that you get an offer, I really do, but my experience, to date, with Haliprats tells me that the only way that themajority of people are getting an offer is by filing a claim at court.

Survivor :cool:

If you found my advice to be useful, then please click the scales to the left - Thank you.

 

Halifax - 13/01/2007 - Prelim sent

Halifax - 27/01/2007 - LBA

Halifax - 19/02/2007 - Filed N1

Halifax - 21/02/2007 - Telephone call from Halifax offering FULL SETTLEMENT (inc costs & 8% s.69) - RESULT!!

 

Advice & opinions given by Survivor 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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well.....

no letter arrived! i phoned the halifax this morning first thing.Spoke to a girl who said the letter was an offer for £3980 my claim was for £4216.

 

So she gave me the number of the woman that sent the letter Margaret Mcquire.She was unavailable so spoke to Richard Dewhurst and expalined to him that that was not good enough and that if the rest(£228)was not offered I would be filling against them on Monday.He was very nice and said he didn't want it to get to that.I then explained that if they don't offer the full amount they will have to pay interest plus court costs plus the 228. He told me he would phone me back at 3pm.

 

He didn't!

 

So...

I phoned back again and spoke to a lady called Tracey Jones who has agreed to pay the full amount! All I need to do is ammend the form that was sent yesturday that should arrive tommorrow ,send it off and the full amount will be in my account within 14 days!

 

What do you lot think? I am not counting my chickens till it goes into my account. xxxxxxxxxxxxxxx

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Sounds excellent, but wont congrat you till pennies in account :p

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Well done hope you get the money soon. We are still waiting

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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I had an offer which I accepted on 12 February. The acceptance form arrived the next day and I posted it back to them, recorded on 14 February. £6500 was credited to my account yesterday and I am off to draw the lot out tomorrow and buy myself a new car!!! Thanks Halifax - you bought me a Lexus!!

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They have rung & told me that they are prepared to credit the account tomm or Mon with the undisputed amounts but the rest they are going to apply to have Judgment set aside

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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  • 2 weeks later...

got the whole lot back!!!!!!!!!!!!!!!!!!!! wow!!!!!!!!! went into my account on thursday!!!!!!!!!!!! I will be making a donation xx

 

Thank you sooo much everyone that has helped me xxxxxxx

 

:p :p :p

 

If I can be of any help to others Im here ! xx

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