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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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1st Credit


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I got an interesting letter from a nice chap at the OFT yesterday about this shower.It said that they were sorry they couldnt intervene in individual cases and to speak to the FOS (which I have, my case is finally being looked at - yay! only took em 6 months. Never mind, better late than never :D)

 

It also said however, if it was ok with me, they would keep hold of my complaint and use it as part of an investigation into thier fitness to hold a consumer credit licence if needed, and could I sign the enclosed consent form to allow them to give them details of the people who had reported them! No problem, said I, I've already reported them to the FOS, methinks they're going to be sorry they ever messed with me in the first place :D

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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Well done Mrs Ryan. I hope everyone else who has had problems with this shower reports them to the OFT as well. The more complaints they get against them the more likely the OFT will assess their suitability to hold a licence.

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I have had an edited copy of the signed agreement off them now which they want me to confirm and to give my comments about. Its a pretty bad scan but it is the agreement. The letter with it was rather nice. they want my proposals to settle the debt but all I can give is the stated quid. CAB say they will help me again with a latest Fanancial statement etc.

 

.

 

Yes - it could be that they do not have the original aggrement. However I do not really want to get into mentioning the word 'court' at this stage. Funny too that they asked for my comments. How polite. They do ask me to confirm that it holds my signature so that they can, they say, send me a copy of the relevent doc.

 

I have noticed that I am still paying the agree quid a month to the OC who passed this debt off to 1 cred.

 

Can I use this fact? Surely the fact that the OC was at first happy with this arrangment stands for something. I am also quite certain that no one told me that the debt was passed on to the nasties either.

Questioner. what exactly did they send you?

Asking for your comments and confirmation of signature to send you 'the relevant doc'... What are they talking about? Are you sure they sent you the agreement?

The very fact that their letter was polite makes me wonder :confused:

Mrs Ryan - well done! :D x

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Thank you sosumi and ODC.... :D

 

If it werent for CAG I would never have known I could complain, so Im really grateful to everyone on here that its actually got this far!

 

To everyone else having problems with this lot on this thread and others, complain, complain, complain. It definitely helps! ive fired off letters to just about everyone suggested on here (think theyre probably all sick of me now :lol:) but I was horrified by these shower's bullying tactics and something needs to be done.... CAG can crack it! (My god how cheesy is that :lol:)

 

Mrs R xx

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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They sent me a badly scanned, single page copy of a ‘YOUR PERSONAL APPLICATION ‘its says ‘A96’ next to it.

 

It has details about my name, work and income, birth date income and all that stuff.

 

I presume this is what you mean by a CCA which I requested from them???

 

 

That’s all. And my signature is now different to the one on the scan, which is several years old.

 

 

They say if I confirm the signature they will sent me a copy of the ‘relevant document.’ And they say they invite proposals for settling this “outstanding debt.”

 

They than go on about if its not my signature that I should provide my sig fron an official doc such as a drivers licence.

 

They then go on about my address being correct or not.

 

They finally go on about if they believe that a fraud has been committed against me they will investrigate.

 

They have failed to provide a complaints policy or answer aay of my questions.

 

 

Nice and sweet they thank me now for my assistance. What a change of attitude buy WHY??

Am I missing something here?

 

 

Confusing.

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No Questioner, NO, NO!!

That's why they're 'being nice', the feckers!

That's not a Credit Agreement AT ALL!:o:o

They want your signature eh?

They've sent you your application form!

They are bad bad people!:mad:

 

You're not, so hang on for advice here! :) xx

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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They sent me a badly scanned, single page copy of a ‘YOUR PERSONAL APPLICATION ‘its says ‘A96’ next to it.

 

It has details about my name, work and income, birth date income and all that stuff.

 

I presume this is what you mean by a CCA which I requested from them???

 

 

That’s all. And my signature is now different to the one on the scan, which is several years old.

 

 

They say if I confirm the signature they will sent me a copy of the ‘relevant document.’ OH REALLY they are supposed to do this in reply to a statutory CCA request any way so they aint doing you any favours And they say they invite proposals for settling this “outstanding debt.” I say invite them to supply the documents required by law first then we talk about settlement

 

They than go on about if its not my signature that I should provide my sig fron an official doc such as a drivers licence. Yeah right, of course you should NOT!!! this is standard rubbish tactics that these DCAS seem to employ, dont be fooled by it

 

They then go on about my address being correct or not.

 

They finally go on about if they believe that a fraud has been committed against me they will investrigate.

 

They have failed to provide a complaints policy or answer aay of my questions.

 

 

Nice and sweet they thank me now for my assistance. What a change of attitude buy WHY??

 

Am I missing something here? No , they are relying upon you being gullible and thinking they are trying to help

 

 

 

Confusing.

 

If you have made a statutory request for a copy of your credit agreement, they are obliged to supply it in 12 working days

 

there is a letter here that you could send them to deal with their request for a specimen signature http://www.consumeractiongroup.co.uk/forum/letter-templates/131333-dca-creditor-demand-specimen.html

 

the Consumer Credit Act does not provide that they can demand your signature before they comply nor does the data protection act, however the DPA does allow them to satisfy themselves as to your identity, however it does not expressly state they can have your signature

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Not directly but some DCAs seem to have an incestuous relationship with others. Lowell for example seem to work hand in hand with those bastions of Debt Collectine Mackenzie Hall. They seem to pick up the alleged debts that Lowell cannot CONvince people into paying. No doubt a check of company records and other freely available information could reveal more about these cosy relationships

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I have had other robotic calls too from other DEBT gangs I DONT KNOW OF so perhaps I am getteing due for a new fanancial statement to be produced. The callers who have left messages to call back are taped affairs and I have started to get several each day - I feel they are linked. I shall be visiting CAB soon so that they can aid me in advice re the new FS. I just hope they have the nouse that you guys have re this situation as I had never heard of a CCA request etc until I found this site.

 

These abusive DCAs have made a real enemy with me now and I shall never ever forgive them.

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Since I had all this aggro with 1st crud I have now mysteriously stated to get phone harrassment from a gang called Westcot Credit. I have never heard of them and yet they threatened to send someone around to see me.

 

Anyone know if they are linked to the 1st crud?

 

Wescot are really bad. They phone neighbours in the street to get your phone number etc pretending to be someone else. I've heard them at it!

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I have found, with these muppets, that they even ignore your harrassment letter. I had a letter from them saying that they will talk to anyone I complain to, even the police. Send them a CCA request. It will cost you £1 for a Postal Order (Do NOT send a cheque) and about £1 for Recorded Delivery. I have found that this is the only way to stop them.

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Problem is they are now starting to call regularly saying they have sent letters to me which is not true but I have no idea where they are based.

 

I will not answer questions over the phone from people who I do not know.

 

I feel they do not even have my addrees and this is why they keep telling me they have sent me these letters.

 

Very nasty tricks.

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The calls we have had off westcot are plain silly. They keep claiming they have sent us letters which is not true as we have had nothing off them. We have no idae who they are yet they keep phoning us.

 

Another one of your creditors may have sold your account to Westcott, as I've just had a Goldfish account sold to Cabot it seems in March and knew nothing about it until Cabot started leaving me annoying messages in June. They also claimed they'd written but I'd received nothing. Or it could be Westcott on a phishing trip as they've mixed your name up with someone else they're tracing.

 

Here's an address for Westcott if you're going to send them a harassment letter.

Westcott Credit Services Ltd,

P O Box 137,

Hull,

H02 8HF

:)

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I got another call of this westcot lot and they again stated that they had sent me letters which they have not. Then they asked if I lived at an address which was in fact correct. Very fishy - it's as if they are unsure about my location. I told them nowt.

 

Partly I would love to send them the hassassment letter (anyone got a blank example please?) BUT PART OF ME SAYS IGNORE THEM AND LET THEM WRITE TO ME so that I can then shoot back with a CCA.

 

 

And check this guys.

 

I have just found out that this post on another site gives the Westcot number, that has been hassling me, as Nat West...

 

 

"just received a message on the phone from this number.They say they are Nat West credit card centre."

Caller ID: 01294475300

Caller: Nat West credit card centre

01294475300 - who calls me?

 

Yep - that's the one.

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