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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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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.  

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      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.

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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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HSBC court hearing, claiming Contractual Interest -*** WON ***


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CM, don't mention my name to Kel! She doesn't like me anymore!:(

 

Its ok FL i told her your name was pete,

think we got away with it as well, i mean her being an Essex girl and all that, she'll never know, poor girl in all the excitement of winning :D

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Well this deserves a great big PHEW!!!!! in that case!

 

 

Pheew

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hey your post have changed to Won already

Whoooopppeeeee

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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i'm not a essex girl!!!!!!!!

 

nor am i over 80 years old!!!!!!

 

i do have to say i was very lucky on this one, next time i will make sure ewverything it more watertight..... with you guys for help!!!! who can lose????

 

I'm off to australia with my winnings!!!! wahoo!!!! going to swim with some actually sharks now instead of HSBC!!!

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i'm not a essex girl!!!!!!!!

 

nor am i over 80 years old!!!!!!

 

i do have to say i was very lucky on this one, next time i will make sure ewverything it more watertight..... with you guys for help!!!! who can lose????

 

I'm off to australia with my winnings!!!! wahoo!!!! going to swim with some actually sharks now instead of HSBC!!!

 

Enjoy it kelly you deserve it

 

CM

 

Ladies & Gentlemen,we have

 

A winner

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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lol... with the actual letter in my hand... mmm i think they might have there calculations wrong.....

 

keep posted.... just going to double check everything.....

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6 years..... write how do they figure that out.. is it every thing from 2001 or from the date you started claiming the money back... so in my case feb 2001???

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guys, firstly, after sitting here and cross referencing the statements, spreadsheets etc... seems they've made a few mistakes. + added a few that i wasn't claiming, so checked my statements and found a few recent ones that i could add on to this claim??? so now the original £2795.83 has a increase of £154.76 which i have double checked and made sure its all correct. with the 3 other additional charges i've had, the total is now £3080.91, which includes the £220 court fees, which they have already aggreed to pay. only thing which varies is there interest calculations, they run theres on 25/06/2007 mine where done on the 20/03/2007. so i've amended mine to their calculation date, still differs though....

 

would you say i would be OK to send a mail/letter to them pointing out the mistakes and saying that i would be willing to offer in full and final settlement the £3081.91???/

 

Let me know.... this is nothing apart from what i am owed the the 8% stat interest....

 

 

Help guys....

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guys, firstly, after sitting here and cross referencing the statements, spreadsheets etc... seems they've made a few mistakes. + added a few that i wasn't claiming, so checked my statements and found a few recent ones that i could add on to this claim??? so now the original £2795.83 has a increase of £154.76 which i have double checked and made sure its all correct. with the 3 other additional charges i've had, the total is now £3080.91, which includes the £220 court fees, which they have already aggreed to pay. only thing which varies is there interest calculations, they run theres on 25/06/2007 mine where done on the 20/03/2007. so i've amended mine to their calculation date, still differs though....

 

would you say i would be OK to send a mail/letter to them pointing out the mistakes and saying that i would be willing to offer in full and final settlement the £3081.91???/

 

Let me know.... this is nothing apart from what i am owed the the 8% stat interest....

 

 

Help guys....

 

Hi Kel,

 

What about the AQ fee £100 ( unless you have already included it in your calculations).

 

congratualations and well done.

Told you they would settle....

DS

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right, sent these off to D&G, see what comes back tomorrow i guess..

 

Dear Rachel,

 

Many thanks for you letter dated 25th June 2007 with the offer of £2795.82 in full and final settlement of my claim against HSBC and its bank charges.

 

Whilst reading the letter, i decided to make sure and double check all the charges against the statements and spreadsheets and came across a few errors. I've attached a spreadsheet with all the information that came with your letter and have cross reference then against my court bundle which you should have received on Friday last week.

 

 

 

The first two on the statement have not been included in your spreadsheet? Are these within the 6 years? Jan 2001..?

 

The charges highlighted in red, are ones that have been missed of your letter, so i've also given you the page number to which the statement confirms a charge was made, or in the case of the last two in October 2006, 2 charges where taken from the account and only 1 refunded, so my claim for the one bank charge would still be correct i believe.

 

The charge highlighted in yellow, was a bank charge that was taken, but i had not included in the spreadsheet as it was after the claim had began, and seeing that you've included it, the charges in mauve are the newest ones that have come out of my account.

 

 

 

With this in mind, I would be willing to accept the offer off £3080.91 in full and final settlement only for this claim of bank charges made on my account between 02/01/2001 and 01/06/2007.

 

I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim, once the money has been deposited into my account, I will inform Harlow Court that the matter has now been resolved.

 

I am also not prepared to agree to any confidentially clauses you try to impose.

 

I hope that this now concludes this matter, if not please call me on 0*** ******* to discuss, so that we can settle this in a timely manner before the court hearing. To confirm your acceptance to this mail, please mail me and confirm that a new settlement letter is either being posted out to me or that this e-mail is sufficient to confirm that this matter will be dealt with.

 

Yours Sincerely

 

 

 

 

 

ME

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the AQ fee is already included in D&G's full and final settlement, so they've already said they will pay it...

 

So you think i will be ok in getting the extra owed then?

 

Yes I do think you will get paid in full, becase they always do, and yes I think tou should go for WASTED TIME COSTS, as they had no intentions of going to court as they never prepared their bundle. They tried that same trick on me and then at the last minute caved in and they paid the lot. They told me they would go to court but us it was uneconomic because of costs etc.

 

Your letter looks fine to me and you should have your settlement very soon. Just in time for a nice holiday!!

DS

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how would the wasted costs go? looking at other thread quicky this morning, as it never went to court, can i still ask for them? it seems £9.25p/h is the normal rate, so thats fine, i'd reccon about 20 hours to get all the information together... then postgage, ink, paper... so about £230.... when would i need to start trying to claim these back.... ?

 

can someone let me know

 

cheers

 

 

K

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Wahoo!!!!

 

Just Got A Call And They've Agreed The New Figure And The Money Is Being Transfered Into The Account In The Next Few Days!!!!!

 

Hey i hope you left some in the pot for me, I mean like fancy going back for seconds when some of us havent had firsts.:D

Well done kelly

Enjoy

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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