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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.
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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
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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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i,m mad help please


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sent letter today by recorded delivery:) they had sent statements 17-43 i hadn,t recieved 1-17 and they have 32 days to reply.:-D how long does it take halifax to send the statments these statments are over six years so i think i might have to fight to get them, but with everyones help i am not scared 8) l

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  • 2 weeks later...

You can try - but I reckon from your timescales that they have until around August 10th.

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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S'ok!

 

Bet you don't get them then - either!

 

That seems to be the way of things!

 

Still - don't worry about that.

 

In the end, you WILL get YOUR money back!

 

(Maybe in dribs and drabs - like me - or maybe the full amount you'll find has been credited to your account - but all that comes later!)

  • Haha 1

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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hade a letter this morning;) stating we aim to provide you with the information requested as quickly as possible.we are currently experiencing a high number of similar requests and it may take a little time to process your request,however,i can confirm you should recieve a response from us no later than 40 days from when we recieved your original request.

do you think i,m going to get them? or is this standard reply:) ?

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Join "The Club!" ;)

 

Whooops! I thought you were already a member.

 

Membership qualification = Receiving a standard fob-off letter!

 

STAR Membership = Receiving TWO standard fob-off letters!

 

You'll get Gold Membership - as well.

 

Followed by Platinum Membership!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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i can confirm you should recieve a response from us no later than 40 days from when we recieved your original request.

do you think i,m going to get them? or is this standard reply:) ?

 

Not within the 40 day deadline if MY experience is anything to go by ..... and certainly not ALL of them back to the very start of your History with them!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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the statments i have asked for are from 1997-1999 so there all over six years8-) i know that i still owe cabot £998.00 these are all charges that they have applied to my account.:x thanks dusary:)

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Those dates are OK - they'll try and tell you that you can't get statements going further back than 6 years - but that's *B*LLSH*T* !

 

If they don't give them to you - then you go to:

 

How to access information - Information Commissioner's Office (ICO)

 

And they'll get them for you!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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I had the same letter. We will just have to wait and see what the long-armed postman brings then. I have this good feeling we will see data required. About to post letter to a different bank 'cos they have sent me data already provided. Why can't they read properly? When I am happy with the composition I will pass it on to you if you want.

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When I am happy with the composition I will pass it on to you if you want.

 

I wonder if you'll get 5/10 for it or 10/10? ;)

 

I'd guess from what you've achieved thus far it'll be 10/10!!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Dear Ms Tudor,

 

ACCOUNT NUMBER: xxxxxxxx

 

I refer to my recent letter requesting full S.A.R - (Subject Access Request) on my file dated xxxxxxxxx. I had informed your organisation that I already had data from December 2000 onwards and required ALL data from my banking history with you. To date I have only received duplicated statements from 2001-2002 which is most unsatisfactory. However, I have evidence to the contrary that you can retrieve my data to approximately 1992.

 

For your information FULL SUBJECT ACCESS REQUEST under the Data Protection Act (1999 covers ALL data in a relevant filing system for an indeterminable period, not just statute of Limitations Act covering the past 6 years.

 

I refer to notes I was given from a friend of mine within the RBS group – Notes on NatWest Group PLC Archive. These will advise you how to access all of my file information going back to 1992 which is what I require under full S.A.R - (Subject Access Request) law.

 

INSTRUCTIONS:

Bank Office Master Index, 04, 26, then 45 (you can just do 04, 45). That is the Nat West Archive.

Option 1 gives you 12 options of which one is customer notes/events. You click that option which leads to a screen that says ALL EVENTS and press ENTER. You then have notes on account starting on (whenever you opened the account – but you can only go back to 1992). In case you are unaware you can print the page or go into the note and press Print.

 

If you follow the instructions above that will give you the S.A.R - (Subject Access Request) information you need to access my entire files, which I require full copies of under my data protection act S.A.R - (Subject Access Request) request.

 

I trust the information above will help you obtain the information I am requesting and I look forward to receiving the information in the very near future. I would also be obliged if you could send me confirmation that you will be sending this to me as soon as possible.

Yours sincerely

 

 

 

Off to buy some paper and then posting this today to Ms J Tudor at Bishopsgate address. I have to thank 'Hedgey' for this information as only the 1st paragraph is truly my own work. Can it be described as a sarcastic letter do you think?

 

 

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Don't send to Bishopsgate address. With my NEW super-duper filing system I have found a letter from Joyce Tudor with the following address:-

 

Retail Regulatory Risk

2nd Floor

The Cornerstone

60 South Gyle Crescent

South Gyle Park

Edinburgh

EH1 9WF

 

Sorry about that. :roll:

 

 

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  • 2 weeks later...

just about send lba on Wednesday given them 7 days to give me my statments,then continue to court with n1 .Do i also inform the information commissioner of the breach is there a template of how to fill in n1 for non compliance? Co-Op i recieved all statments going back to 2000 wow i,m pleased about that :) can i ask why no one really goes on the cag coop forum?

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