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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 
      • 81 replies
    • 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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Tawny Owl- V Barclaycard


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Sent SAR request with ten pound postal order 10th jan

Received statements 15th march

Sent letter asking for charges back 19th march plus8% interest

approx900.00

Received letter back from Barclaysharks 30th march saying charges are fair but as a goodwill gesture they would offer difference between charges

incurred and 12 pound fee recommended by OFT OVER 360.00

 

Sent letter saying i was not satisfied and going to claim full amount in court giving them 14 days to reply 11TH april

Received letter back from Barclaysharks 18th APRIL saying they will not consider any further refund

Due to watching Whistleblower want to carry this on suppose after letter like that its the only option anybody with any ideas where to go from here

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Hey Tawnyowl

 

Go to the guidance and bank letters templates section and read up on how to raise a court claim using the standard N1 form or using MCOL online. Then go get them!

 

Michael Browne has written a great guide that will tell you everything you need to know.

 

I know how you feel re B@st@rdcard. They are a nightmare!!

 

Good luck :)

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Thanks for advice -strange how these banks wont settle - perhaps its the difference between paying out millions and not billions- its only a matter of time surely before they will have to pay everybody back.Michael Browne was one of the first people who replied to me when i first came on this site.Deserves a medal from us- dont think the banks would give him one though.Good luck to all with claims. When you get to this stage its nice to have a bit of support.Thanks again -Tawny

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Just checked Barclayshark statement seen credit for approx 33% of total asked for. Never been in credit before.Going to give them another ten days to settle full amount before starting proceedings. Sending letter 4- offer before court action.Well happy that i came across this site-because without it this would not be happening.Seeing how this goes with them- then i will start on the others.

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  • 2 weeks later...

Received letter back from Barclaycard after giving them another 10 days to settle balance .Received same reply saying no so leaves me with no other option but to move onto N1 form or MCOL going to check it out now.Very down after Barclaycards attitude. Dont even think the OFT has set a twelve pound figure so why do Barclaycard offer settlements with this taken off.Suppose some give up at this stage and accept the offers - just cant bring myself to accept it especially with Barclayshark- keep thinking about Whistleblower program.Wonder how much this next stage is going to cost. Takes a bit of nerve taking a bank to court.

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  • 2 months later...

Due to computer tripping up and falling twenty foot down stairs have been offline so there has been no progress with any claims only letters from different dca companys and many phone calls from them . When they will not listen i have resorted to putting phone in parrot cage but they even ask the parrot for a increase in payments especially Moorcroft and a firm called Direct Legal & collections .I have been in touch with cccs about my debts and they have been very helpful.Now i am back online i will slowly crack on with claims .Have received part payment from Barclaysharks which i would never have had if it wasnt for this site. I will soon be taking them to court.

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  • 8 months later...

Just a update.After receiving part payment and Barclaycards refusal to pay any more back am still pondering whether to go all the way to court.Have taken a long time to get this far due to other pressing matters.Any advice welcome.

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Hi Tawny,

 

I assume you let the refund from BC stand - ie you didn't reject it and BC did not take it back.

 

I suggest you treat this as a new claim because of the time lapsed since you rec'd a part refund of chgs from BC.

 

Prepare a new or updated updated SOC (Schedule of Charges) including all those claimed before and any incurred since then to date. Send to BC with a Prelim Ltr but adapt the ltr saying, " I want repayment of charges totalling £xxx.xx less the refund made to my a/c by BC of £xxx.xx on xxth date, making a net refund of charges now due of £xxx.xx.

 

After 14 days, send an LBA.

 

It's likely that BC will make an offer even before you need to file at court, but this seems to depend on luck (ie who is d/w your claim at BC).

 

Let us know how it goes, stick to your timescale and see it through to the end this time. BC are more willing to settle straightforward claims now, possibly to avoid court fees and CI claims.

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  • 5 months later...

So sorry could not act on your advice due to repossession case and other matters that would not go away.Now the matter is really on the boil-i have received court papers Issue date 1st sept-seems the account was passed to CL finance ltd who are using solicitors Howard Cohen & CO.

I see court fee of 30.00 and solicitors costs 50 pound but even thought this long surely still in dispute.Many charges since maybe i should S.A.R - (Subject Access Request) them again and send letter to DCA saying this-just not sure what to do.Obviously Barclaycard are sure of themselves.So sorry not to have acted on previous info-but major troubles away from this.

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Add up the later charges (which haven't yet been repaid) and send off a new Prelim ltr to BC. I assume you have the recent state's to confirm the figures. Otherwise you need to send off SAR.

 

Can you tell us what chgs you will now reclaim and how does this compare to the a/c balance.

 

You need to Acknowledge the Claim and confirm you intend to defend the full amount (if appropriate).

 

Send the Sol'rs copies of any ltrs to BC.

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Have now acknowledged claim online and confirmed intention to defend the full amount.Will work out details but may have to S.A.R - (Subject Access Request) Barclaycard again.Due to house move haven't got latest statements.Thanks for your help Tawnyowl.Expect total to be about 700 at rough guess.

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Expect total to be about 700 at rough guess.

Compared to the a/c balance of approx............?

 

Oh, and if you DO send them an SAR, make a clear request for the Credit Agreement at the same time.

Edited by slick132
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