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    • 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?
    • "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
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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
        • Like

Refusal of payment!! what now?


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:confused: I have just got my letter back saying the charges are fair!! Yeh Yeh! so now I am ready to start claim. When I put N1 form in what other forms do I have to put in with them??.Do I have to send copies of my first letters and their replies?. Any help will do!!.
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Hi, I got the same too from them, stating that what happend in April only related to Credit Cards not Current Accounts, they know how to talk rubbish.

 

What letter do I send, because I cant send the letter saying I have not heard from you, because they have replied saying they will not cough up.

 

Cheers

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No just sent DPA SAR received the statments and then sent the letter asking for the charges to be refunded.

 

And got a letter back saying that the charges are fair and do not deserve to be refunded.

 

Shall I just send the LBA letter? As the wording state you have not replied, is that still ok?

 

Cheers

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I think the next step is filing your claim in court which is where I am up to, but to be honest I am not sure on this myself, so we will have to ask for help together hey! Good Luck!!

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:confused: I have just got my letter back saying the charges are fair!! Yeh Yeh! so now I am ready to start claim. When I put N1 form in what other forms do I have to put in with them??.Do I have to send copies of my first letters and their replies?. Any help will do!!.

Hi pudkids , you just need to take 3 copies of your N1 with 3 copies of your charges list attached to each one and your court fee which depends on the amount your claiming.

Joe

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Hi, I got the same too from them, stating that what happend in April only related to Credit Cards not Current Accounts, they know how to talk rubbish.

 

What letter do I send, because I cant send the letter saying I have not heard from you, because they have replied saying they will not cough up.

 

Cheers

Hi Evo,

Just change the first line to "i'm very disappointed with your response to my letter dated XX/XX/XX".

The letters in the bank templates library can be altered to suit your needs if you so wish.

 

Joe

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No just sent Data Protection Act S.A.R - (Subject Access Request) received the statments and then sent the letter asking for the charges to be refunded.

 

And got a letter back saying that the charges are fair and do not deserve to be refunded.

 

Shall I just send the LBA letter? As the wording state you have not replied, is that still ok?

 

Cheers

 

hi mate

as joe has said, amend your LBA, send that ( in my opinion keep copies of everything on paper as well as on your pc) wait for them to say no again, then file an N1

 

good luck

 

gaz

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Hi Joe, Thanks, can you tell me what happens with the three forms when you take them in to court, do they take the three of them off you. I really don't know what to do or what to expect.

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Take all three completed forms and attachments to court, hand over your fee and walk away! The court office will send you one of your sets of forms duly stamped, one set stays in court and the other goes to the A&L, then the fun begins, I.E. A letter saying we will 'Defend' followed by their 6 page defence etc, then silence until you get and fill in your AQ.

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thanks again, PLEASE help some more, when I done my calculations of my charges I didnt add on any interest as the amount is over 5000 anyway.All this interest stuff has got me really confused. I am about to fill in my n1 form and have hit this interest problem again I really havn't got a clue how to do this,I have read alot of what is on the site but still can't get my head round itPLEASE HELP.:(

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Hi pudkids,

Have you used one of the spreadsheets off this site as this will automatically work out the %8 interest for you.

There are quite a few people on this site who have claimed over £5000 and it has stayed in the small claims court so i would personally add the interest as you are entitled to it.

 

Joe

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Thanks again Joe, I have totally messed up as I never used a spreadsheet before so I just done my own schedule of charges, this is why I am so confused!!! You know the 8% interest, is that just 8% of your total what your claiming back in charges.:confused:

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just for those that have access to or own a debit card/visa or anything like that did you know that you can do the court bit online for free, its with thanks to clair and many others on here that have got me as far as i have got go here https://www.moneyclaim.gov.uk/ signup there is a bit of paperwork to go through but the best bit is you can save it to the site when your stuck and return back to it anytime you want then the final stage is a payment of £30 by credit card which goes direct to your local courthouse, the fee will be calculated into your claim as will the £100 court fee if you claim goes that far so even though you maywell have to splash out £130 you will get it all back with interest, i submitted mine yesterday got me mother to pay for it. hope this helps ya out abit

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