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    • Thanks 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 concenquences 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?
    • 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?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
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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.

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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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New to this and really need help please


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I am so very sorry for confusing the issue....

just to clear my question up before i really do move on!!(to my own thread.!!) I am just adding the text 'Total charges' on my SOC .I had just put in the amount...I am not adding any more charges.....

 

once again I am so sorry for the confusion and so very many thanks for your support.. you are both utterly brilliant..

 

kind regards

moving on.....

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no problem,

just get those charges more defined on the soc and send them along -

 

you can check my other threads in my signature for help in what happens after they defend their claim at the end of the 28 days.

Getting MCOL Right

When you have filed your AQ................

New---after 28 Days - Maybe No Aq!!!!!!!

BBC NEWS | Business | Judge attacks 'time-wasting' bank

court bundles for dummies

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Now someone will jump in and correct me if I am wrong but I would say wait for the defence to be filed and then send a nudge letter and schedule of charges to dg and a copy of charges to the court! Thats what I did and I am sure that is what lat and pete and all the clever people are advising. I will ask PD just to confirm!

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I think lacey still needs to do this bit first -

 

Once you have filed your claim, you need to send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

 

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

 

Yours sincerely,

 

 

 

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

DG's details will be on page 2 of the acknowl.

 

 

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

(If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph)

 

 

I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited

 

If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court.

 

Yours sincerely,

DG will most likely file their defence on or just before the 28 days. Then you'll get transferred to your local court. Then the nudges begin.

 

So get the two letters off & then its a matter of sitting out the 28 days.

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I sent the Schedule of charges off yesterday to DG, so they should get it on Monday.

 

Well, today the postman brought me a letter off HSBC which is offering me £1,496.70 with the usual without liability and without predjudice stuff.

I am not sure about what this means though ................ we are prepared to make a payment to you for the sum of £1,496.70 in full and final settlement of the matter. This represents our offer in respect of the charges applied up to and including 5 June 2007 and includes accrued charges totalling £50.00. Im not sure what they mean about the £50?

 

They say that they have deducted £296.00 as they have previously refunded those charges (to be honest, they possibly did so I am not complaining about that).

 

My actual claim is for £2485.23 including interest and court costs so if you take the £296.00 away that they say they have already refunded in the past, that makes my claim £2189.23.

 

I am definately not prepared to accept their offer of £1496.70 (which includes the court costs) and so I will be rejecting that but what next? I would be prepared to settle with them on £2,000 and that would then clear my overdraft and give me back my court costs. Would I be able to ring Mark Lockyer (service manager) who the offer is from and try to negotiate them up, or will I have to wait to do that with DG?

 

Thanks :D

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Thats what I thought.

All of those template letters mention full and final settlement with the money or cheque having been paid, I have not had any paid to me nor have I had a cheque so which of those letters will I have to use? Presumably I wil have to adapt it not to say about any payment having been received?

Also, would it be a good idea to ring HSBC to negotiate, or just send the letter?

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use letter 5. (leaving out the paragraph about getting the cheque into your account).

 

or do a combination of one of the other letters saying

'I am willing to accept this amount as partial settlement on the understanding that I will continue to pursue to recover the rest through the court, blah blah blah

 

best to always write so you have a record of everything.

 

either way this is just letting HSBC know that their offer is unacceptable (they wont send you part settlement) and as youve already filed your claim you will now be dealing with DG

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I have just done the letter to the bank using the template you suggested but I notice that it is the only template in red. I am wondering if that is done for a purpose, or do I have to change the colour of the writing? I have tried to change it to black but it will not change colour? Is it designed to be written in red?

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Hi, The solicitor should have received the list of charges now, and presumably is aware that the bank made me an offer which I rejected. What happens now, do I have to do anything, or just wait for something to happen?

 

Also, the letter that the bank sent to me with the offer, also disputed £295 of my claim saying that they had already paid it back to me earlier. To be honest, they possibly did although it is difficult to work that out now, therefore I would be prepared to deduct that because it may be my mistake. What should I do about it, should I inform anyone or just leave it ride for now?

 

Thanks again

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