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    • Oh that is very helpful, thanks a million for answering my query. Looking at the license right now. At the front it says the issue date is 2022 (that's when I swapped it), but at the back it says 2015 next to Category B. So, I'm definately at 12 points, right?  
    • The two PDF documents that you posted earlier are unavailable. I don't know why but maybe they are corrupt. I have deleted them Please will you post up again. Also please can you post multiple PDF documents in a single file multipage format, correct order right way round et cetera. Thank you  
    • The New Drivers Act sees a driver's licence revoked if he accrues six points within two years of becoming a qualified driver. If you passed your test in an EU country, then that is the date you became a "qualified driver" for the purposes of that Act.  For drivers who became qualified more than two years previously, if they accrue twelve or more points within a three year period they face a mandatory six month disqualification unless they can persuade the court that they or others will face "exceptional hardship" if they are banned.  In both cases, the dates of the offences are used to calculate the relevant period.
    • I got my car driving license in 2015 from an EU country, then I moved in the UK and swapped it to a UK license 20 months ago. What does this mean for my points limit please? Is it 6 or 12 for me right now?  
    • Interesting polling on what voters who previously voted Tory are thinking. Conservative Defector Poll June 2024 WWW.ELECTORALCALCULUS.CO.UK  
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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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Nicko against TSB


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My hubby just received another £30 charge for going over £1.15 from them taking last month's charges out - so we are on a mission now.

 

Lloyds must be one of the only banks now to still be charging £30 - we have already switched to Alliance and Leicester so don't use the Lloyds account now.

 

We are also claiming against the joint account with his ex-wife - that Lloyds won't claim against her - only us - she has disappeared according to them - so we are liable for the full overdraft - another story.

 

So we've sent the Data Protection Letter today - so will keep you posted!

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  • 1 month later...

Well they received the letter and signed for it on 15th March - but we are still waiting for copy statements.

 

Do they normally take the full 40 days or should I send another letter?

 

Advice greatly appreciated as they have recently charged us £150 for going overdrawn on a £300 overdraft - because they were working on the joint account and not the ex-wife's current account - but blame us - long conversation with the call centre to no avail - we can't keep paying out like this.

 

Jo

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Do they normally take the full 40 days or should I send another letter?

 

Unfortunately yes - you will find that as your claim proggresses you will become accustomed to their brinkmanship - ignore it - it is just a game that they are playing to deter those that they think will give up - stick to the timescales advised and you will get your money back.

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