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    • Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • 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.  
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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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Glad your overdraft is getting sorted Maggie. I thought it seemed odd that Head Office got involved in overdrafts.

 

Just to let you know that if you are on benefits, and need your money for living expenses etc, you can send the bank a letter of appropriation listing what you need, and they have to let you have the money, as benefits are the minimum amount of money the Government says you need to live on. I've attached a link for you here in case you ever need it.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/36790-bank-taking-your-benefits.html?highlight=letter+of+appropriation#post289030

 

Thank you caro.For all your help.

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I rang the courts I had to write a letter to them stateting i havent heard anything from the bank.Its up to the judge to decide where to go from here.Just waiting for a letter now.I did ring again They are very busy the lady said theyre are behind .Alot more people demanding money back form banks Will ring at the end of the week
Stay ended yesterday.Still heard nowt.I have wrote to the courts.Like i was told.Just waiting now.
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Yes both you and the bank should send one, but if the court didn't send one give them a ring and check with them.
Hi caro rang the bank About my charges.They said its in the hands of legal services.is right? Do most end up in legal service? I rang them they are going to ring me back, today. maggie
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Absolutely normal for it to be handled by Clydesdale Legal Services. I honestly wouldn't speak to them on the phone about it Maggie. Let the court handle it.

 

Have you submitted your new AQ as it said to do on the court order by 7 May?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Absolutely normal for it to be handled by Clydesdale Legal Services. I honestly wouldn't speak to them on the phone about it Maggie. Let the court handle it.

 

Have you submitted your new AQ as it said to do on the court order by 7 May?

 

I was told to write to the courts explaining that i have not had a settlement or heard from the bank.I did ring the courts and the judges was looking at it today.So i should here so what direction he has decided to go.They might send a new AQ next few days.They didnt ring me from legal services.Didnt think they would .I will leave it now let the court sort it out.Thank you caro.I am really greatfull for all your help.

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I think it's all moving along nicely Maggie.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...
Hi maggiemay.

 

When you submit your court bundle then put all charges up to that date.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

You may not be aware that you can claim beyond 6 years, please read in here.

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

 

Good Luck,

Hod.

I have just got all my statements together from jan this yr.And yorkshire bank have charged me an other £455.07. Up to today.Should add this on to the figure ?Or will they pay all this back in the end.Or do i amend my claim at the courts.Not to sure what to do.
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Which bank are you claiming from maggiemay48 ?

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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It would be easier to help and follow your claim if ti was on the Yorkshire bank forum. I shall get it moved. Good luck with your claim.

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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Hi Maggiemay

I would agree with louis as I think you would need to have a cut off date or you will be changing your claim weekly. You can always start another claim further down the line when this current one is sorted..

good luck..

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Guest louis wu
I have just got all my statements together from jan this yr

 

Have you commenced your claim WITHOUT all of your statements? What have you based your refund figure on?

 

I would have a proper look at this

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

(all of it).

 

If you do not follow the set proceedure, and do not give all the info to us, how do you expect to recieve relevant advice. Also, if you don't do it the CAG way, what advice do you want? Other than to reiterate my original advice, I don't know what to say.

 

Louis

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Have you commenced your claim WITHOUT all of your statements? What have you based your refund figure on?

 

I would have a proper look at this

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

(all of it).

 

If you do not follow the set proceedure, and do not give all the info to us, how do you expect to recieve relevant advice. Also, if you don't do it the CAG way, what advice do you want? Other than to reiterate my original advice, I don't know what to say.

 

Louis

 

Just got my statements out this morning and checked.And comes to £455.17p from january this year. other claim as been going throu since sept last yr. stil waiting for the judges directions now.the judge put a 30 day stay passed on 7 may still heard jack **** from the bank

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Guest louis wu

Maggie,

 

Just stick with the one claim, and then if possible clear your O/D and start a new claim without any additional charges.

 

Louis

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  • 2 weeks later...

I just want it al over and done with.Its been a long haul.Its been 9 months alltogether.I just hope its the end of it now.Isuppose i wil have to get all my paper work ready.I just hope i dont have to go to court.I am dreading it.

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Wishing you good luck. I'm in the same position as you so know exactly how you are feeling right now.

 

Sarah.

Yorkshire Bank

Started Process 19th Sept 2006.

All Stages Followed.

Next Step Court!

Hearing Date 7th June 2007.

WON!!!!! 6th June 2007 :D

 

Frequently Asked Questions

Example Step-By-Step Instructions

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Just wondering. Will the bank have got a letter from the courts to say when the the court date is? I got my letter this morning.Will they send both letters out at the same time? So if theyre going to pay up they have untill 15 august? Otherwise its off to court. I hope it does not get this far.

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I would imagine they get the same letter advising that bundles have to be submitted 14 days before.

I am sure we will both get a settlement offer before the 15th.

 

I hope so.Waited long enough for it.Since They have charged me a other £455. Since january. so might just start proccedings again

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