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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.
      • 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 3 here we come


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Hello there, we're finding it hard trying to keep track of all our claims i don't know how some of you do it!

having got woolwich claim rolling we are now hitting halifax:

1 basic account and 2 credit cards

 

HAlifax 1;SAR sent 20/4/07. Statements received and Request for charges of £2629.83 repaid sent 09/05/07 . Haven't heard anything so have just sent LBA yesterday (04/06/07) so lets wait and see:rolleyes:

 

HAlifax card 1 and 2; SAR sent 09/05/07 they cashed the £10 cheq about the 20th may but nothing untill today when we get a letter saying;

"We are currently experiencing a high number of similar requests and it may take a little time to process your request.........." bla bla :-D i bet they are, shouldn't have over charged us all in the first place!!!:-D

Do you think it's worth us giving them a ring?

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If they are that busy then I doubt if a call would have much effect at this stage.

 

I would give it until the 40 days are up and if nothing received send them the Non Compliance letter.

PPMAN159

 

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thanks for that PPMAN159,

 

was getting a bit eager then after reading some of the threads !!

 

how can there be such a difference between how they treat one claim and another? surely they can't justify this!?:???:

 

cheers:-)

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At present there is no logic to the way that they treat claims or claimants for that matter because I am sure that all claims go through the same process whether it is for a bank acount or a credit card.

PPMAN159

 

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  • 2 weeks later...

hello all,

:confused: lost track of halifax a bit as have been sorting court papers for our other claim:Druids36Vwoolwich/barclays.

Anyway it's been very quiet post wise. in fact the halifax have sent nothing on all 3 accounts, so thats court proceeding starting tomorrow on the current account and 2 letters of non compliance to the credit cards!!!:cool: as we are well over time scales!

We have spent some time on the phone to them tho. Interesting conversation with the visa complaints dept. (phone number from this site)they said "if we had just phoned them first we wouldn't have had to wait the 40 days and they would have not only sent out the statements but an offer too"??!!!!!:rolleyes:

"but as we hadn't we would have to wait for the other dept' to play catch up and send them through:mad: and they take ages" -noooo really:rolleyes:

On phoning the main complaints dept. on another issue, having mention we are requesting fees returned we were told "We hope to resovle things quickly and satisfactually so that you will be a happy customer once more" How nice, believe it when i see it .

Will let you all know how things go Druids36

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HELP ANYONE OUT THERE

just trying to do the spread sheets and we've just noticed that we do'nt know what the charges are for. it just says "Carges as Notified" Does this matter? on the spread sheet it has them in detail as to what they were for ?? Sorry i'm rambering a bit ! Feeling a bit paniced over court and how serious it's all getting !

Can anyone please advise ?

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THANK YOU TILLY,

there are people still out there, you haven't all run off enjoying the money or given up!! :D

I was trying to get them all typed in while 15mth old

wasasleep but he's now helping me type!!!!!!! with his foot!?

i just over write them on the computer and it saves me some typing!

h ...........0..0000000000000g r6uhjuy

jnbvbbvc

going now while he's pinned down:D

thanks druids

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Hello everyone, progress report: ( without the toddler's help!)

 

Halifax 1; the 14 days are up well last week actually so N1 next but we are out of funds completely so unless anyone knows of ways round lack of money for court fees then we've stalled:oops:

Did have a "go jump" letter from them on this account. Best statement was "I am sorry you are unhappy." no you b***** not you patronising ****&%£*~#, but you would be to if it was your money.

Sorry back to calm now.

Halifax 2 ; a half baked reply to SAR saying "we don't think we've done wrong but as a good will gesture we offer £153 which is half of the total charges incured." Is it well suppose you should know BUT WHERE ARE THE STATEMENTS TO SHOW THAT..... OH YOU FORGOT TO INCLUDE THEM!! yer i believe you you would never lie your a bank:rolleyes:

Halifax 3; NOTHING diddly quat.

 

So guess thats 2 letters of non compliance then:evil: and a stalled court action pending.

Any suggestions?

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sorry to be a pain but .......................:o

if they have made an offer of settlement ( they say it's half!) but not sent any reply to the S.A.R. (no statements or anything) and the 40 days are over am i correct in sending template letter 3?

Should i also send a seperate "shove it where the sun doeth shine" or add it in to the letter ?

Am i making any sense ?? sorry poorly child, lack of sleep, head fogg!!!

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ok i promise only 2 more questions tonight .............

 

how much does the non-compliance order normaly cost ?

 

and i get that you send it to the bank but am i right in thinking you complain to a third party too and if so- who and how ????????????

don't want them to get away with out a telling off!

druid (running on caffeine)

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Hi Druid,

 

I had exactly the same issue with Halifax non-compliance with the DPA 40 day rules - you DO have to send a LBA for non-compliance and THEN give then time to respond before issuing. Just going for it when the 40 days is up WITHOUT chasing them at this stage would probably mean that claim is thrown out.

 

The way I did it was;

- sent letter 7 days before 40 day period was up saying that they had so far failed to comply and telling them I would complain to the Information Commissioner's Office if they took longer than allowed.

- sent a second letter on the 41st day giving them 14 days to supply statements or I'd issue proceedings through the Small Claims process. I also enclosed a copy of the complaint form, along with all this correspondance, that I'd sent to the ICO.

- they did respond saying the statements had been ordered and would be with me "soon". I took this as meaning that they'd handled my complaint - which was upheld by the ICO by the way - and actioned it, but it still took another few days to receive them.

 

I'm not sure how far you are with this, but I'd say you at least need to write to them once in the form of a letter before action. How long it takes to either receive the statements or have the order issued at the Court is a toss-up, really... I decided to wait and didn't have to go via the Court.

 

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