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    • @jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  @BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response.
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
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    • 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
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Halifax unclaimed bank charges. ** WON**


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Postman has been and gone! without me noticing!

 

I think he is sneaking about deliviering his letters commando style!?!?

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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That's flipping hilarious!! You'll have to have your wits about you next time.

 

Did he bring good news? My post was a huge DUD. :-( I only got interest rate notices for my daughters accounts. :mad:

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hey Lisa - 5 July is not long, glad you've got this far - expect your postie to arrive in a van before long to make his getaway! Anyhow, I still haven't filed my court claim, thought I'd wait til 22 June for their full investigation LOL! Anyhow, I rang and spoke to "Phil" at Halifax this morning who said that a letter had been sent, dated 21 June, I told him that I hadn't got it and he offered to send another? What did the letter say? He couldn't tell me!! Guess who'll be doing a "Lisa" tomorrow and every day until that letter arrives? ME! Any guesses as to what this letter will say? Suze ;)

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lisa, just to let you know i am thinking of you, your posts do make me laugh, just realised we have got the same dates halifax have untill 05/07/07 to reply to you and thats the date they are going to induce me lol, but i am sure we will both get what where waiting for before than, at least yours is going to be pain free

Buffy xxx

Buffy x

 

Buffy v Halifax WON all charges refunded

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hello i'm back,

 

Yesterday I had a fit because postie went commando on me so I sat on the sofa and pouted all day throwing my dummie out! so im sorry for not replying to your threads yesterday.

 

I had sweet F.A yesterday and I havent spotted the postie yet! I did think about driving around the block to see where he's got to but then I though geeeeeeeeeeeez that is redicilous....so I am on my hands and knees scrubbin the kitchin floor to keep me occupied and guess what?? the postie has to go right past my kitchen window to post me my good news ;-) (up stairs for thinkin down stairs for dancing, mind you if he comes while om writing this thread then I will have to dart to the door and frighten the poor buger again :-( )

 

Sorry you didnt get any news yesterday deedee! u need to scowl at postie harder!!

 

Hey suze, afetr the waiting the 8weeks (not out of choice) i had the standard responce saying that the charges were fair. ect.... the fob offs of all fobs really!

 

Buffy, I have been thinkin of you too hoping that little missy might decide to say hello to us cagers. no twinges eh?? I hope you have a great time with not much pain. have a swig of that gas and air for me!!! god i need it.

 

Waaaaaaaahaaaaaaaaaaaaay good on you dolphin. but have you booked a holiday yet??? HA!

 

I best get back to my floor before postie sneaks the letters in the letterbox again!! That so has to be an unracognised skill surely :-|

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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postman has been.

 

a different postman, have i scared the other one away? I hope not.

 

Anyway nothing regarding Halifax but did have a lil bit of good news in the post :-D.

 

How u all doing this morning? postie been nice to u?

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[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Hey buffy how u doing? still hagin in there eh?

 

No news today, to be honest I have been in bed today with a belly bug yuck!!! so I couldnt have cared less this morning but I am fightin fit now (nearly) plus my spirits have been lifted by the arrival of my new fone, well chuffed I am!

 

Any news for you today Money??? I hate all this waiting.

 

Any news for anyone today :-)

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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well, the potie has been. loads of junk mail, but 1 document from the court. for hubbys nationwode account,

 

They are intending to defend and now have 28days from the 26th June 2007. Starting to shake in my boots now.

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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well he was very nervous as I could see in his hand was a letter from the court!!

 

That made me totally focus on said envelope and didnt think to take the other mail so when i shut the door he had to post the junk thro :-|

 

I might be a bloddy nightmare!n

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Hi all, Just had a letter back from halifax in response to my letter before action saying that she are not going to refund me any of my charges. I must admit I did think at this stage they would pay up (I am claiming £2,083). I suppose I must file the claim in court now but feeling really nervous, does anyone have some advice???:(

 

On a happier note I successfully won my battle with Nat West.:)

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What am I to do?

I have a postal strike for 2days here:o :-(

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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:O I didnt think about the milkman....he arrives to early in the morning tho :-(

 

Might wear my special pyjamas incase I feel the need?!?!

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Hi there. If you go to the home page (click the C.A.G icon on the top right of this page) then select the 'bank charges forum' from the available options. Once you've done that then select the bank you have a dispute with (i.e halifax, nationwide, abbey etc). Then scroll down a little and you'll see a 'New thread' tab. From there it is plain sailing!

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Or an easier way is to click this...

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=9

 

Give your self a title, and your off. Keep everything on your new thread.

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