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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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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Ruthbridge on behalf of Cabot Financial


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First of all thanks for all the good advice on this site its good to know youre not alone.

 

If I may provide you with the situation so far and then I really need youre help.

 

In Feb 2007 I got a letter from Ruthbridge saying I owed Cadot finance 9k as they had taken over my barclaycard debt from Barclays.

 

I rand them up and they confirmed it was a debt which is now 2 months short of 6 years. I was in the RAF at the time and they claim it has taken this long to find me ??? which is odd as I am paying all my other debts off after sorting myself out.

 

Anyway I told them I needed to look into it and they said if I can arrange the finances they would accept 4.5k. I looked at my credit file and couldnt find anything.

 

Whilst looking I found this site (phew). I consequently sent them a CCA request on the 21st March by recorded delivery and asked could all future correspondence be by letter. Yesterday (15th March) they began to ring a lot. I got a letter this morning saying they would accept £100 a month and enclosed bank details and said I had 10 days to reply or they would recontact Cabhot for there instructions.

 

I called them back but the person who was dealing with my account wasnt there so I asked them had they recieved my CCA request.

 

They confirmed they had and It was being processed.

 

Im now really worried that they will take me to court ??

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Hi there and welcome!

Did you send the £1.00 fee along with your CCA request, and if so has the cheque/postal order been cashed.

Also did your CCA request advise that the enclosed £1.00 was not to be offset against the alledged debt, and that the payment is the statutory fee for the request?

If the cheque has been cashed and you told them what the payment was for, then they are currently in default (after 12 working days), and committing an offense if trying to collect money without them providing you with the relevant paperwork after one calender month. So they would be hard pushed to take you to court if they are committing a criminal offense themselves!!

Also has it been nearly 6 years since you last paid towards this debt?

Regards

Red

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The chances are, this will drag on a lot longer than 2 months, by which time it will be statute barred.

 

However, I can see them trying a sneaky little trick like trying to say your £1 fee is accepted as part payment, thereby starting the clock ticking again.

 

This is, of course, complete and utter bullsh1t. And as you will have neither paid anything towards this, or acknowledged the debt in the 6 year period, they can go play with themselves.

 

Cabot KNOW they are on sticky ground, hence the reason they have taken on this shower of bandits to chase you. In the hope that they will scare you into paying up.

 

Might I suggest, if you're reading this Cabot, it's about time you realised that people are starting to wake up to your very dubious practices, and it just won't wash any more. If I were you, Ken. I'd leave the stautute barred (or near as dammit) accounts alone in future. You'll only get your fingers burnt.

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  • 3 weeks later...

hi, i have received a letter from Ruthbridge first date 17/04/2007 I then sent letter requesting CCA, they responded on 24/04/2007 wanting to discuss the request I made, I requested that no telephone contact would me made and all future correspondance to be made via post. I telephoned on 24/ 04 trying to avoid threats of legal action as the person was not available i left my mobile number and she did not return my call untill yesterday 03/05. they making threats of pettition of bankruptcy and that it would take too long to send me the requested docuements. I have know discovered that they are in breach of the 12 day rule and that they are on they way to the 30day breach. The lady I spoke to MISS JONES is rude and harsh. she would not take offer of installments she only wants full balance.

 

Have you had any similar problems?

CAn you help?

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