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    • Well we won't need to see all of the documents. Your draft letter of claim should be a good start. In terms of the declared value – I have the impression that you declared a value which was in line with the retail price. Is this something you sold or that you return to a supplier? You will probably win this case but the value could become an issue. Please clarify
    • All of the services listed in the upload link to convert to pdf and/or edit pdfs are online, which means you are uploading your documents to another's servers for the merge, and whilst some claim to delete the files within a given timeframe, we have no method of validating this. And so I avoid this, as I do not want my personal and often sensitive information to be in the hands of another. I'll upload to my website and/or one-drive and provide shareable links instead, this way, I remain in control and everyone shall be able to access my documents - there's much, much more than just those two
    • If you simply respond to the NIP and request for driver's details promptly the police will simply process it in the normal way and either offer you an out-of-court disposal or take court action (and which of those will depend on the speed and limit and your eligibility). They do not routinely ask for proof of insurance and there seems no reason why they should do so in your case. £300 and six points is the fixed penalty amount for no insurance. It can be more if the case goes to court. There is provision for n unlimited fine, up to eight points or a disqualification.   That is all as far as the penalty goes. However, you should not dismiss it too lightly. An endorsement for No Insurance will probably double your insurance premiums in the first year. As well as that, if you also have one or two speeding endorsements, the increase will be considerably more. In fact in those circumstances some of the mainstream insurers will refuse to cover you at all and you will have to go to a "specialist" (which means very expensive) broker. 
    • I think we normally recommend people to follow the upload link
    • I removed them as they have my email address on them, and so shall repost them once my Snagit scrolling capture thing starts working (needs reinstalling I think as it keeps falling over); they are an email that runs over two pages, so would be best suited to a scrolling capture. As for multi page formats, this is harder as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking
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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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Ok so i now have had my statements and sent them the letter asking for my money back and i got a letter saying " sorry you are unhappy iwth the charges we have 8 weeks to investigate and respond so say the financial services authority" My 14 day wills be up on Monday so do i move on to the next letter or do i have to wait for them to investigate ????? Any advice please :???:

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Hi Barneybear71

 

Good luck with the Halifax.

 

Stick to your timescales and you WILL get your money back.

 

Have a read of my thread to see how I got on with the Halifax :D :D

 

Only problem with me now is I've had another two charges :mad: and I don't want to risk them closing my account, so don't want to claim again. Halifax don't seem to close accounts after one claim.

 

Best wishes.

 

jaxads xx

  • Haha 1

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Hi barneybear.

 

Like the others have said. At the end of YOUR 14 days just send the next letter (lba).

 

They are just stalling. Ignore it.

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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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  • 2 weeks later...

I am nearly at the end of the tunnel now but just wanted to check that i am doing the right thing.. I have got a letter from my bank offering a full and final settlement which is about £243.01 short. What letter do i send them now and do i wait untill the 14days are up even tho they have replied.Or just send the next letter on Monday. Its so nerve racking turning money down . Any advice would be gratefully received thanks

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Hi Barneybear - I really would suggest you have a good read around the site, and look at all the template letters, the FAQ's and the step-by-step guide. All your questions are answered in these sections. If you do this, you will understand the process, it will save you posting and waiting for an answer. This is what you now need. Rejecting Offers

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No refuse it unless you are really desperate for the money straight away. You can reply with a short letter saying thank you but you will only settle for the full amount as previously stated, and if not received within 14 days from the recript of the LBA then you will be claiming in court. There is no need to send a letter though, you could phone them or just wait for the 14 days to expire then file.

  • Haha 1

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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sorry gemmabe, I'm going to have to disagree - a phone call at such a crucial time in the negotiation process is definitely NOT the way to go. If this goes as far as court there MUST be a paper trail.That is why there are template letters on the site to deal with partial acceptance.

How can you ever prove what was said in a phone call? Plus the court must see you have taken all reasonable steps to negotiate correctly.

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Thanks for your reply i have read the info on this site but there is so much to take in and when you have the memory span of a goldfish it is'nt that easy to remember everything i will send the rejecting offer . Only qusetion that was'nt answered is do i wait for the 14 days to be up from sending the lba or do i send this letter out straight away ? :o

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i think so the letter is worded i will accept the sum offered only as part settlement and on the clear understanding that i will pursue recovery of the remainder with a county court if necessary is that the right one they would pay the money into my account if i signed the letter accepting the full and final payment offer .

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yes, that's the right one - and I think you have EVERY chance of getting the whole amount as what they have already offered is very close to what you are claiming. Hardly think it likely they would go to court over less than £250 squids. Fingers crossed for you! Keep posting (and you are not asking too many questions, you are doing everything you should do by the sound of it, and just coming back here to confirm you're doing it right, which is what this site is all about:) )

 

Oh - & if it was you who clicked my scales - thankyou!

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