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    • 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.  
    • 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?
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      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.  

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      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.

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    • 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.

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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Bank Charges - A suggestion


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this is a tough one to answer because i know the answers of the differing balances from separate mechanisms, which is complicated to explain and with regards to what will happen within the next few years.

I know things will happen and that mechanisms are in place to do so. The bank has been for years maximising fee income. I think the OFT looking into the general pricing of current accounts is not, as some might see, a view as to if they will put other charges up should the OFT set a cap, but, in my opinion, was something the banks wanted with a view to charging for bank accounts. I think i can see how it will happen so that a basic basic account would remain free within the banking system but its usefulness would be probably not make it attractive to anyone.

I came I saw I helped. I could do no more.

 

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anonman - only a few bad apples - you're not with barclays then! lol sorry bad joke. Truth is, I agree with you. I used to work for a debt collections agency (not as a collector though, I will add) and i spoke to several bank employees who didn't like the charges structures even back then, and that was before the whislte blower shows started appearing. I think it jsut stays in people's mind though when they get the bad apple, and they don't remember the others. top marks for coming here though.

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What about whistleblowing? My org has a procedure in place and I think there might be an angle here. I'll put the wording up when I can.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Why should you need to keep a float of £100 of your hard earned just so you dont go over?

 

why shouldnt the bank refuse to pay anyone if you have insufficient funds? Why charge for NOT doing something?

 

How can any customer know how much is in their account at any given time to know if they will go overdrawn and have to contact bank to plead for an overdraft extension?

 

I had a joint account at the nationwide BS and we closed the account after a few years before the next months DD went out. However the woman at the counter was a little tardy at officially closing it so we went over by just 10p, and so the charges started it wasnt long before they totalled over £2000. After much phone calling and letter writing they agreed that we had closed the account and decided we owed them nothing at all.

 

Being charged by a bank for having no money is like being arrested for being in prison or like being told youre naked when youre having a shower.

"I am more than prepared to repay any money I have borrowed, IF they are prepared to refund any money THEIR agreement doesnt allow them to charge me." Tamadus

 

Thanks couldnt put it better myself :D

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just thought id add here that it was impossible for me to overdraw myself only a cash card to my account the only way was when the bank did that for me hence a claim now for over £3000 so wasnt my doing was it

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I think that the crux of the issue is that the Banks are in the unique position of being able to obtain funds deemed to be owed to them automatically. This needs addressing. For instance, how would you feel if your garage was able to deduct money from your account when they claimed to have finished work on your car.

 

I believe that the banks should work like any supplier of services - no automatic access to your account.

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Andy is spot on, like people have said before how is it that the direct debit bounce but the charges never do?

 

If the charges are a fee for service, as they cynically try to claim, then why don't they invoice you for it? This is how garages and other types of service operate.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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And if it's for a service, you'd think that the VAT man might be interested too - it just doesn't add up.

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That, I think, is the crux of much of this. The banks unilaterally set themselves up as primary creditor, even before statutory authorities like Child Support or whatever. This has to be an abuse of their unique access to our money.

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Hi anonoman.... as you can see you have disturbed a hornets nest.Please do us all a favor.. Follow Nattie's advice..then join with all other banking staff on CAG giving sound advice.To the benefit of us all!!!!

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I used to work for a bank, that has recently announced job losses, and the staff and union were very concerned that staff were being disciplined for not reaching sales targets. Very ethical that!

I too would like to take my chances with the honest thieves and hide my money under the bed, with my very angry rottie. At leasrt i know it would be safe

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  • 2 weeks later...
And if it's for a service, you'd think that the VAT man might be interested too - it just doesn't add up.

 

Could this be a potential route to success Dave. (Probably very relevant since you made that comment- before Fridays announcement.)

 

None of the charges have VAT applied to them, yet the banks claim it is a service they are providing- why no VAT?

 

Have the banks paid VAT on these "services" ?? Can this argument be raised with the OFT to utilise during the test case?? Surely, if no VAT has been paid, then it has not been a service and the banks would lose that argument and potentially the case.

 

Am I barking up the wrong tree?

 

Comments anyone!!

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Banks are exempt from VAT they should have to pay VAT on all their purchases etc.

 

This from the HoC gives an example of how they could get around the VAT issue

 

House of Commons Standing Cttee on Delegated Legislation (pt 1)

"I am more than prepared to repay any money I have borrowed, IF they are prepared to refund any money THEIR agreement doesnt allow them to charge me." Tamadus

 

Thanks couldnt put it better myself :D

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  • 4 weeks later...

this is true, and i have a basic bank account to stop me going overdrawn etc, but when my benefits arent paid in on time, and i get charged afailed dd fee, and then a unauthorised od fee for the failed dd fee making my account overdrawn, what do i do?

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Well all you can do at present is follow the procedure on here which I know doesn't help at all in the short term (the main reason why the FSA's decision is peverse).

 

The only other thing you can do is not pay things by direct debit, I do this wherever possible because I think the direct debit system is just ridiculouslu riddled with the opportunity for error.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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  • 2 months later...

Anonman is still alive - but is no longer employed by a bank. Out of choice I assure you - it just wasn't a fun job any longer. Its all sell, sell, sell - but then that is not going to shock anyone here.

 

However, I do have some insider knowledge, and might be able to help in some ways. Not a guarantee - so no personal attacks please.

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I think you just did a very brave thing, your tone has changed noticeably. I too may seek new pastures, I like my job but I have a problem with my company acting in an a manner which is unlawful.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Hi Anon.

read your post for the first time today. i did feel for you, but on the bonus side, for me anyway, your post lead to a very intersting debate and details of experiences which i can relate to - so its not just me then.

 

very best wishes with your new job.

 

by the way. are you friendly with anyone over at LTSB? i dont think im their most popular person at the moment - keep chasing them for mis sold PPI which they wont pay back claiming time barred. could you put in a word do you think?:)

 

oops. i hijacked a bank charges thingly. but isnt it listed under general in new posts?

 

anyway im off again now. Anon so glad that you have decided to keep with the forum, look forward to reading your future posts.

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