Jump to content


  • Tweets

  • Posts

    • jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
  • Recommended Topics

  • 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
  • Recommended Topics

Sunshine vs Abbey


sunshine123
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6280 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All

 

Well I have just sent off the first letter to Abbey on behalf of my boyfriend to reclaim £4067.

 

Getting really nervous after reading that Abbey can be a bt 'difficult' to get the money back from, but I still think it's worth a shot!

 

I'll keep you posted

Link to post
Share on other sites

Guest louis wu

Sunshine, hi and welcome to CAG.

 

I am not sure what donthateme means in his/her post, but dont worry about that!

 

You will find everything you need here to conduct a successful claim, it may take a while, but if you follow the standard, tried and tested, method, you should be okay.

 

The best advice I can give at the moment is to get as much knowledge as possible about the process you are embarking upon. Read the FAQs and look atas many threads as possible (apologies if you have already done this......but it will pay dividends later, even if you read everything twice)

 

The thing that will really help is this. Understand WHAT you are doing, and WHY you are doing it.

 

Best of luck with this and keep us posted. I will keep an eye out for you and help if I can. (for what its worth, just had my 1st cheque from Abbey for just over £2000, and if I can do it, so can you)

Link to post
Share on other sites

  • 2 weeks later...

Thanks Louis Wu it nice to have some positive feedback!

 

I recieved a letter from Abbey at the weekend, claiming it will take 4 weeks for them to investigate blah blah blah

 

I'm waiting until Monday to send the LBA off as that is the 14 day deadline. I was also considering sending a complaint form to the financial ombudsman as i've heard reports it has helped with claims....does anyone have any advice with this?

 

Lisa

Link to post
Share on other sites

Guest louis wu

Hi Lisa

 

Don't send it yet, as you are still in discussion with Abbey. When this 14 days is over, you will begin your legal action, and IMO this is the time to conact the FO, although, again IMO, it wont make much difference to your claim, as you will be doing things much faster than them.

 

You are doing fine at the moment, stick to your deadline, and don't be intimidated by any Abbey responces.

 

Keep posting, you will get loads of positive feedback (even if its just me), and help is on hand.

 

It never hurts to keep refreshing yourself as to what happens next, as Abbey wont cave in immediately, but as always, its just a matter of time.

 

Best of luck

Link to post
Share on other sites

HI Sunshine - just to reinterate Louis words, the Information Commissioner is currently receiving about 5k of complaints per day, you are better off persuing through the courts - at the deadline that YOU set, not them :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

Hi

 

Well the deadline for Abbey expires today so I have sent off the 'letter before action' and am now filling in the complaint form to the FO (wouldn't want to be making empty threats in my letter to them!)

 

I'm going to start reading up on the next stages again as I think this may be where things get tricky!

 

I'll keep you posted

Link to post
Share on other sites

Morning everyone

 

I am hoping someone can help me with a query I have. Because of the bank charges abbey applied to my boyfriend's account (to give you an example just one month was £962 in unpaid direct debit charges!) He was forced into an overdraft. He subsequently closed his abbey account. Due to his business going bust he hired a debt management company to negotiate payments with various company's, one of which was Abbey who were 'owed' £2000 ie the overdraft amount they forced my boyfriend into because of all the charges.

 

He now makes regular payments to the debt managment company and they divide the amount between all the companies.

The point i'm trying to get to is whether this will affect the claim we are trying to make?

 

If someone could advise I would greatly appreciate it

Link to post
Share on other sites

hi sunshine if you can, get a hold of zooman he's the expert on debt problems. Also have a look at the debt section you might have some answrs there. My feeling is that if your boyfriend is already paying back an agreed overdraft then as long as he is keeping up the payments, they can't take the money he will be given from the charges.

 

 

hopethis helps

Link to post
Share on other sites

Hi

 

I recieved another letter from Abbey in response to my first preliminary letter saying that they have looked into the details of the account and they do feel they have acted fairly as there were insufficient funds in the account etc and if I do not get back to them they will assume the matter closed. Is this a standard 'get lost' letter?

 

I have already sent them the LBA letter which I assume they have not recieved yet.

 

Any advise at this stage would be greatly recieved

 

Thanks

Link to post
Share on other sites

Guest louis wu

Hi sunshine,

 

Everything is going exactly to plan, just as Lula says. Abbeys responce is a nice satndard one, and your next step is to start the ball rolling with the courts, sounds scary, but it isn't, and feels good when its done.

 

Your doing great, stick with it and you'll get back everything thats rightfully yours, in fact, its just like Abbey have had it in a savings account for you, paying 8% interest.

 

Regards

 

Louis

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...