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    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
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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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    • 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.

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Total bankers***won***


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mistake sorry

 

 

I started a question but realised I knew the answer but sent a blank meesage so was just appologising to all the helpers that would have looked at it in anticipation of helping me with yet another problem:oops:

 

While I am here though, can someone point me to the nudging letter template as I am about to send my second one as 10 days has passed since first?

I know I should know where it is but have the memory of a goldfish!:?

 

Thanks all!

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Has anyone any thoughts on this letter my wife got today from the worlds loco bank.

this is as a result of her going overdrawn for 1 day as a payment went out early. Bear in mind that she has not had any contact with the bank regarding this!

 

"I am pleased to advise you that we have agreed your recent informal request for an overdraft. The balance of your account is now £xxxxxx overdrawn. Please remember, all overdrafts are repayable on demand.

An informal overdraft request occurs when you authorise a payment from your account that, if payed by us, would take you overdrawn. This informal overdraft is specific to the payment concerned. We will reveiw all subsequent informal overdraft requests on an individual basis.

An arrangement fee may be payable for this informal overdraft and any subsequent requests that we agree. We will pre notify you of any such fees before they are passed.

Every informal overdraft we agree to may cost you an arrangement fee. if you anticipate that you may want to make frequent informal overdraft requests, it may be cheaper for you to apply in advance for a formal overdraft. A formal overdraft facility can last for up to 12 months and carries a one off fee of £25"

 

 

it seems to me they are forceing her to agree to the Arrangement fees next time she bounces anything.

Any oppinions:confused:

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Has anyone any thoughts on this letter my wife got today from the worlds loco bank.

this is as a result of her going overdrawn for 1 day as a payment went out early. Bear in mind that she has not had any contact with the bank regarding this!

 

"I am pleased to advise you that we have agreed your recent informal request for an overdraft. The balance of your account is now £xxxxxx overdrawn. Please remember, all overdrafts are repayable on demand.

An informal overdraft request occurs when you authorise a payment from your account that, if payed by us, would take you overdrawn. This informal overdraft is specific to the payment concerned. We will reveiw all subsequent informal overdraft requests on an individual basis.

An arrangement fee may be payable for this informal overdraft and any subsequent requests that we agree. We will pre notify you of any such fees before they are passed.

Every informal overdraft we agree to may cost you an arrangement fee. if you anticipate that you may want to make frequent informal overdraft requests, it may be cheaper for you to apply in advance for a formal overdraft. A formal overdraft facility can last for up to 12 months and carries a one off fee of £25"

 

 

it seems to me they are forceing her to agree to the Arrangement fees next time she bounces anything.

Any oppinions:confused:

 

 

Will this give them a legitamte defence in court to any future claims on charges?

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This is just another way of dressing up unfair penalty fees. It makes no difference to claims and attempt to get charges paid back in the future. The banks however are trying to convince people that things have changed in a vain attempt to put people off claiming charges. Very sneaky!!! But it won't work and we will carry on. :-)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Shakespeare said "a rose by any other name would smell as sweet" but that was in the context of the two lovers in Romeo and Juliet.

 

Personally I like a line Netty used a few days ago "If it barks its a dog" and in this context I’m sure Will would have approved too him being almost a Brumie lad

 

You go over your allowed limit; they write you a letter and tell you then charge you between £25 to £150. Does it really matter what they say in their letter? They have actually done nothing new except write another one off standard letter. It’s still a dog.

 

pete

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Nice one pete, you should be on the stage!

So what peeps are thinking is that this makes no difference to future claims?

I was thinking that after them informing me(well, the wife) of these facts, that if I continued to use the account and exeeded the O/D ,that as I was aware there "may be a charge" for doing this that somehow I had agreed to the charges?

Or is that what they want you think so you wouldn't try to reclaim any future charges?:confused:

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Freaky they are just trying to find ways of making people think that the charges are legitimate and that they can't be claimed back either now or in the future.

 

"Cat's motto No matter what you've done wrong, always try to make it look like the dog did it." :D

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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ok thanks. Thing is they have charged the missus for this 1 day breech and I was unsure how to deal with it as I have not seen this wording before. If you think it is just the useual BS then I will ring them tomm and ask for a refund!:)

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  • 2 weeks later...

Thinking of sending this as my 3rd nudge letter. Any thoughts?

DG Solicitors

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

 

Re: XXXXX - v - HSBC

account no,

claim no and filing date.

 

 

 

I am writing you today in a further effort to ask you to consider my claim. I am most disappointed that you have not even acknowledged my previous correspondence.

 

I have filed my claim on xx/xx/xx. You have defended it at the last possible moment.

I have been notified that the Allocation Questionnaire is being dispensed with in this case and that it has been transferred to Mold County Court with the hearing to be held on 20th June. I have written to you twice in the past, asking for you to consider my claim and reply to me. I have heard nothing. Were this to come before a judge, it would be obvious who has made any attempts at resolution.

It is my feeling that you seem to have no intention of defending this claim in court and are simply procrastinating dealing with my claim.

 

 

I am mindful of the vast number of claims with which you are currently dealing. In order to more speedily resolve this matter, I am willing to accept the sum of £xxxx. I am willing to leave out the amount of £0.50 per day from the date I filed filed the claim if you resolve this claim within 14 days of receiving this letter. I do not agree to waive my rights in respect of any other actions, nor do I agree to a clause of confidentiality.

 

Please find enclosed another copy of my schedule of charges relating to this claim.

 

I hope to hear from you very soon so that a reasonable conclusion to this claim might be achieved. I am sure that the courts would whole heartedly approve of our settling this matter in a timely manner and without their further intervention. I look forward to hearing from you.

 

Sincerely,

FreakyleakyImage1.gif

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Freaky, your supposed to do one every 10 days, don’t think its 30 days since you got transferred to your local court.

There is a fine line between nudging to try to get an offer and harassment. Don’t be over eager unless you have one of these silly mediation directions then you can blame the District Judge

pete

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Pete, you are right, I am not sending it tomorrow, just preparing. 10 days is a long time so just trying to keep busy.

The o/h works in a sols and says that all files that are time sensitive will be bookmarked on the comp and only looked at as and when they need to be, ie 3 weeks before a court date or other deadline. I still think the nudges are a good thing as it does show the court that at least you have tried to resolve. (if it ever got that far).:)

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they must have a damn good computer system if it can take care of this - i don't think most bank's solicitors firms are geared up to what has been happening (keep in mind dg is an -in-house solicitor dealing mostly with collections and other general banking law). and it must be a bit like watching an volcano erupting and the lava flowing towards you....wondering how long you've got before it swallows you.

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