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    • 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?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • 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

Angel Vs Woolwich


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Can someone advice me what to do next, just over 1 yr ago I lost my job, I managed to find another job but it took 5 mths, however in that time all my money had been eaten up and even though I was temping the bank charges were killing me. The charges were so high that I went way over my overdraft and was unable to keep up, it happened so quickly the bank then defaulted me. Luckily I had two accounts and only defaulted on one, however this is now on my credit file. I am now re-employed in my field I have repayed all the debt to the bank and received a letter of disasociation, the only reason I went into default was due to the bank charges. I have written to the bank (using template from this site) outlining all the unlawful charges which amount to £2048.54 on the defaulted account and £1089.45 on the other account. After what seemed an eternity Woolwich have written back stating that they disagree with my claims, however without any admissions they are willing to offer a sum of £450 and is intended as a gesture of goodwill. I have 4 weeks to comply. The accompanying letter for me to sign states I accept the sum in full and final settlement of my complaint. What should I do and how do I get the default removed from my credit file?

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I would write accept the amount as part payment against your claim, stating that you will continue to raise a claim for the balance and the default removal.

 

Remind them of your timetable and stick to it.

Good luck.

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Dear Mr Voller

 

Thank you for your letter dated 5th May 2006.

 

Firstly I would like to accept your offer of £450 as part payment against my claim. I feel that as you may be in line with the banking code with your terms and conditions your tariffs are mostly certainly not. Therefore I will be pursuing my claim for the full balance and also to have the default removed from my credit file. This default would not have occured if your charges had been just and fair.

 

Can you please notify me in writing when you will be transfering the funds to my account.

 

I will wait until 7th June for your reply before moving forward with this case.

 

Yours sincerely

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I feel that as you may be in line with the banking code with your terms and conditions your tariffs are mostly certainly not.

 

Can you please notify me in writing when you will be transfering the funds to my account.

This first sentence should be without all the justification. I would just say something alomn the lines 'I feel I'm due the full amount per my prev. letter'.

 

The second sentence should have a question mark at the end - I'm picky.:D

 

Good letter.

Go Angel.:D :D

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  • 2 months later...

I have finally received a reply from woolwich withdrawing their offer, it reads:

 

'Thank you for your letter of 1 May.

 

I am sorry you remain unhappy with our response to your complaint and note that whilst you are accepting the amount offered, you will be seeking the remaining balance in the County Court.

 

I would like to take this opportunity to clarify the amount offered was a gesture of goodwill in full and final settlement of your claim. I am therefore unwilling to adhere to your request to reimburse you with the amount offered, and it is with regret that you will now be proceeding to the County Court for the full amount.

 

I appreciate this is not the response you were hoping for but trust I have explained the Bank's position.

 

Yours sincerely

 

 

 

Joanna Carney

Customer Relations Manager'

 

 

Ok what do you suggest I do next?

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Guest Mumofthreeboys
Ok what do you suggest I do next?

 

Firstly, don't panic, this is a completely standard letter :D

 

Just move on to the next stage of your claim, LBA I take it then ????

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You need to do your letter before action first advising them that you are taking that route and giving them 14 days in which to settle the full outstanding amount that you are asking for, you must also enclose a spreadsheet showing all the charges you are claiming( i hope you have gone back 6 years, as that is what you are entitle to claim for) . After 14 days you then can make your claim against them.

 

All the letters you need (LBA etc) plus spreadsheets are on this site.

 

I am also sure that i saw on some of the standard letter templates in different coloured writing things to add if you were requesding/demanding a defult be removed as well.

 

I would have a good read of all the FAQ and the other sections where the templates are located to familiarise your self with the proceedure.

 

 

Good luck

 

Voddie x

You cant scare me Mr Bank manager i have children:shock:

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  • 1 month later...

Ok just to clarify I now need to send another letter to my bank along with the spreadsheets of the amount claimed just as I did in the beginning giving them 14 days notice?? Even though they have replied and offered a ridiculous amount and I have written back stating my intention to move forward and claim the entire amount?? I just want to make sure I do this in the correct order!!

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Hi, you don't need to send the spreadsheets with your LBA (letter before action) the bank already have the info....

 

Just refer to your previous letter, and the lack of an acceptable offer/reply - then state theat you will commence court proceddings without further notice after a period of 14 days..

 

Send it recorded so you have proofof delivery..

 

HTH

 

Mike

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I replied to the Woolwich`s offer saying I would accespt but only as a part payment. They replied saying their offer was for full and final settlement. I then sent the LBA. I think you would be safer to send an LBA even though you`ve said in your letteryou will proceed to take action just so you make sure, by using the template on this site, that you`ve used the correct wording and you can`t be accussed of not giving them sufficient notice. Better safe than sorry!

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  • 12 years later...

This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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