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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.
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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
      • 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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The Holte41 v A&L ***WON***


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Deadline day for A & L to issue a defence. Nothing heard since I made application to the County Court so - if nothing in today's post, I assume they are not intending to defend and I have won? I complete the "Notice of Issue" that the court sent along with my copy of claim requesting immediate payment in full (with interest) if nothing arrives in today's post. Anything else I need to do - or just sit back and await my cheque? Any info much appreciated.

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I'm in same position as you Holte. I am just back from holiday and deadline for A&L to issue a defence was 9th September. They haven't done so or issued me a cheque, so I'll be filing a Request for Judgment. So far you and I are the only ones I can find who have had to do this with A&L so I'm wondering if this is a new tactic or if claim has been overlooked.

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How are you both getting on?

 

I'm claiming against A & L as well and have recieved my first rejection letter today. (How will I cope!!) It was the 'oft were refering to credit cards and we are in line with our competitors' letter. Do you think they are starting to defend themselves now? I hope you both get your money back, especially Holte41. It's good reading what others have acheived. :)

 

Kind regards,

 

Jayney

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How are you both getting on?

 

I'm claiming against A & L as well and have recieved my first rejection letter today. (How will I cope!!) It was the 'oft were refering to credit cards and we are in line with our competitors' letter. Do you think they are starting to defend themselves now? I hope you both get your money back, especially Holte41. It's good reading what others have acheived. :)

 

Kind regards,

 

Jayney

 

Hi, Janey.

 

Click on 'New Thread' on the forum's main page and start a thread for yourself.

 

That way you can keep us all informed of your progress and you can ask for any advice or encouragement you need along the way. :cool:

Holte, still keeping fingers crossed for you, dude. Hope they settle sooner rather than later.

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Well done and congrats Holte41!

 

99.9% of the way there now. How long until they have to pay up - does it state on the judgement?

 

Just sent S.A.R - (Subject Access Request)'s to two more banks from previous accounts dating a few years back. I'm claiming for everything i'm entitled to ...they are edit gits!

 

Jase

A&L Claim SETTLED IN FULL 16/09/06 :D

HSBC -Claim settled in full 26th Oct 06.

HSBC PPI - Premium settled in full 1st Jan 08

HSBC PPI Interest - 1st request for refund issued,due 17th June 08

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No as I had no response to my claim through the court just sent back to the court the request for judgement. Court sent me a judgement in my favour last week, but so far nothing received from A & L. Judgement says they are to pay forthwith - so I am wondering how long would be reasonbale before taking next step if necessary - could use advice and would appreciate if someone could advise which of the options open to recover is the best to take?

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If your claim was done through MCOL which I think it was I think you should contact them and ask for advice. You may also find guidance on the MCOL website. I think you need to issue a warrant next, but check it out.

 

If A&L say they didn't receive the claim they may ask for the judgment to be overturned, but with a bit of luck they will just see that you meant what you said and cough up.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi. I think our claims have just been overlooked in the avalanche they must be getting by now, because I got my cheque this morning for £1493! And this was before I got the judgement. I e mailed the Chief Executive two weeks ago and got a letter saying they were looking into it. I didn't wait for that just sent request for judgement to Leicester County Court. Your cheque will be with you soon Holte, just contact them.

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Many thanks. Claim was NOT done through MCOL, but directly through local County Court. I have telephoned A&L Customer Services and they denied all knowledge so I shall be writing today to advise A&L I intend to issue a warrant. Will keep you all posted!

 

DO NOT WRITE TO ALLIANCE AND LEICESTER! You have placed this matter in the hands of the court and you must leave it to them to sort the matter out. Contact the court and ask what the next step should be.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes, Holte, the problem is not yours to sort but the court's!

For whatever reason, A&L are in some sort of non-compliance situation with the court, and the court won't like this; they'll want to sort it out themselves.

All you will want to do is point out the situation to the court.

Keep going Holte, I think you're doing a great job, especially when you take into account all the upheaval you've had to deal with recently. :cool:

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  • 2 weeks later...

It has arrived folks!!!!! Following a call to A&L (nd the county court requesting application form to issue warrant of execution)on Thurdsday - cheque arrived today!!!!! Been a long hard slog but I got there - never doubted it. Will be off to deposit cheque with my new bank on Monday and make donation to the site as soon as it has cleared. Thanks to all for the advice and support - and all still going through the process DON'T give up!!!

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  • 2 weeks later...

Not before time. Congratulations.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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We have sent the LBA and recieved the standard bogof letter. Found them quick to reply to all letters. Now to start the court claim form filling!!!!!! They've only just gone and added another failed charge on to the account and refused to pay it back.

Do I add this to the spreadsheet and total amount for claiming?

Data Protection Act letter to Cap 1

Data Protection Act letter to Cap 1 for Wife

Dpa letter to Citicards,

Sent 21st Aug, Cheque cashed by Citi,so far.

Charges request to A & L,

Bog Off letter from A&l,Cap 1 and Citi

LBA sent to Cap 1, A&L & Citi 18/10/06

21/10/06 Bog Off Letter from A & L

01/11/06 Cap 1 replied For £1000 claim offered refund of £408.

Cap 1 replied for claim for £780 claim offered £296.

Will accept offers but will reply that we will pursue claims for full settlement.

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I don't see why you shouldn't add it on too, but I was advised to remind them the account was in dispute so they don't take any further action.

Alliance and Leicester: started 2/9/6, LBA 7/11/06.

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