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    • and it will be also now written off under age related criteria anyway.
    • DX: 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 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.
      • 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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PC23 v Natwest: Help needed **WON**


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I have had further charges of £118 added to my account! :mad: Can I still reclaim these - plus the £10 data request fee I sent originally!!!!

 

Also is there anywhere I can find out what the difference between fast and multi track are (and other tracks). As I am filing three claims for amounts ranging from £2k to £11k and all this legal stuff on tracks is frying the old grey matter!!

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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Thanks that's brilliant. The only thing I'm slightly nervous about is liability for costs. Is there a limit and what costs am I actually liable for?!

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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How come it's up to £750 - couldn't find that info anywhere?

 

Also: any idea regarding further charges?

 

I have had further charges of £118 added to my account! :mad: Can I still reclaim these - plus the £10 data request fee I sent originally!!!!

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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Share on other sites

Thanks Michael, that's really helpful.

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

Having slightly messed up my own set of letters to the bank (I requested charges plus 8%), I'm now attempting to reclaim charges for my parents... I have statements and am about to start on the spreadsheet. Should I go for contractual interest? If so how do I do this? Add the 8%? Or go for just the charges? Any advice would be super! I'm a little confused on this...

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

Thanks MB. I am still a bit confused. Do I basically just add the rate of interest the bank has charged me for unauthorised borrowing or the rate for authorised borrowing? Obviously it's tricky to work out what's been charged over a period of time if it's a combination of the two... And should this be simple or compound interest??

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

Also is there any spreadsheet to do this?

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

Anyone??

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

Thanks MB - you've been very helpful... Just to confirm this spreadsheet will work out exactly what the bank has charged me in compound interest (unlawfully) on unlawful charges. Do I then add on the 8% (when I lodge papers with the court) as well?

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

Just to confirm this spreadsheet will work out exactly what the bank has charged me in compound interest (unlawfully) on unlawful charges.

That's the theory

 

Do I then add on the 8% (when I lodge papers with the court) as well?

This shows you haven't research contractual interest as well as you should. You claim contractual or 8% in the alternative, not both.
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I thought that - but the spreadsheet threw me a bit as it is included on there too. I presumed this was just for comparison purposes and I just wanted to make sure. Ta.

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

I filed my claim at court two weeks ago, and I've not heard back from Natwest... Their time limit ends Monday... Would they have contacted the court direct (if so should I contact the court next Monday??).

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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Share on other sites

It won't do any harm, but because it is Monday and so close to the weekend.Why not leave it till Tuesday. Just to make sure.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Cheers Park, but today I received an Acknowledgement of Service from Corbetts... as expected... what's next?

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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Share on other sites

I presume they ticked the box, that they are going to defend ??? Yes. If so, you just have to wait 28 days now to see if they file a defence. So its sit and wait time. Im at exactly same stage. Filed 5th March, received notice of acknowledgement dated 14th March. So Im a week or so ahead of you, but not much. Just sitting and waiting for defence now. Keep ya posted. Fendy xxxxx

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Cheers Fendy.

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Share on other sites

Cheers thanks...

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

What happens if they file a defence? And indeed if they don't?

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

Link to post
Share on other sites

What happens if they file a defence? And indeed if they don't?

 

 

hi pc

 

im just ahead of you, in my case cobbetts filed defence via fax to the court on the last day,i believe this is the normal practice. If they file a defence read through some more threads and u will get all letters etc that u will require, it looks scary when u read the defence but they are more or less all the same defence from cobbetts.Don't panic just read threads after a while you will understand the process,they are stalling and hoping we will give in,u will win either way in the end

 

good luck

 

scott

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