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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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    • 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.  

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      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.

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      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.
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      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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Hi... would really like info on bank charges!!!


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Hi Everyone.

 

Just wondering if anyone knows about bank charges that have asked for evidence in court? I have gone through the small claims system, and now their solicitor would like evidence from me....:o help!!! MUCH appreciated...!

 

 

Hi you need to start a thread in your banks forum and post what actions you have taken so far. Please post details of what the solicitor has asked for.

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Hi. I have gone through the small claims system and Nat West have filed a defence. The solicitors have asked for the following info;

 

"In your claim you state that the charges are " an unfair panalty under theunfair terms in consumer contracts regulations 1999".

 

Please specify all of the facts relied on by the claimant in support of the contentions in paragraph 3 above and in particular please identify the regulations of the unfair terms in consumer regulations 1999 relied upon by the claimant in alleging that the contractual provisions referred to are unenforcable."

 

They have also asked for statements and dates which I can provide... I just need a little help with this bit!"

 

It would be MUCH appreciated.:)

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Hi Louise, welcome on board the nat west forum!

 

You've gone offline so I'll edit the post - hopefully you'll see it next time you log on!

 

Is this a CPR 18 request that cobbetts have sent to you? If so, you needn't respond to this unless the court orders you to do so. Send them the letter in this link http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html

 

If you have a look in the nat west stickys, you'll also find a letter to send to the court as well.

 

Hope this helps, good luck! x

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Yes, Cobbetts have asked for evidence "pursuant to CPR Part 18 alternatively with regard to CPR Rule 27.2(3).

 

I can provide some of the evidence, but not sure about identifying the "Unfair terms in consumer contract regulations 1999"

 

Any comments, help would be appreciated!!!!

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As mentioned previously, you only need respond to cobbets part 18 request if ordered to do so by the court. Send cobbetts the letter here http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html with a copy of your schedule of charges. Send the court a copy of this letter here http://www.consumeractiongroup.co.uk/forum/natwest-bank/55874-letter-court-re-cpr18.html

 

Good luck!

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Don't worry - you'll be absolutely fine! Cobbetts are just being their usual selves - and you don't even have to respond to them. But send the letters in the links and sit back and wait for directions from the court. And don't panic - just post back at any time if you're unsure. Better to be safe than sorry! xx ;)

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Hi guys,

 

was just wondering if I am supposed to have had an AQ from the court?! I have looked at the forum and it says that some courts are not issuing them because they know the banks are just wasting time... but I have heard so many other people talk about them on here and I am getting a little nervous that I haven't had one???!"!!

 

Any advice on what to do? Should I write to the court about my worries? or just leave it "no news is good news"?

 

Thanks:?

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Hi again louise,

 

Have you received a letter from the court advising that the AQ be dispensed with in your case?

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Hey Hedgey and Micheal.

 

I have just received today a letter from court saying the AQ has been dispensed with ~ thanx so much for your continuing support ~ it's been invaluable!!! Now I'm just keeping my fingers crossed... I hope I don't actually have to go to court! Ahh.... x

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Louise, if the court's dispensed with the AQ, have a good read of these two threads - you may find the second one particularly interesting Is your court dispensing with the Allocation Questionnaire?

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

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Thanx again Hedgey! ~ I will SO need a huge glass of wine after all this.... It's like having two full time jobs!! I will leave it for a week and send one of the "nudge" templates I think... See how I get on ;) x

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Hmmm................ bet my glass of wine's bigger than yours tonight!!!

 

Send them a nudge in a week.............. it can't hurt. And let us know how you get on. x ;)

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Hi again guys!

 

I was wondering if someone PLEASE could help me! I have been reading and doing some research on other peoples threads and have found some have asked Nat West for a CPR part 18. Is that applicable in my case?

 

I have had a defense from Cobbetts and a letter from the court with the AQ sentence crossed out. And that's it for now...

 

Do I just wait now? I haven't sent a nudge letter either.. cos I'm getting a little confused with all the info!:confused:

 

I would really appreciate some advise and guidance!

 

Cheers

:)

xx

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Hi again guys!

 

Hi. I have decided to write to cobbetts and give them a "nudge" and give them a week tor repsond.

 

There is so much info! Some people have said about sending Nat West a CPR part 18. Is that applicable in my case?

 

I have found a thread that sends a draft order to court cos there's no AQ (Thanks to whoever that threads from, sorry I can't remember :?). I will send that in a week if I don't get any joy from Cobbetts!

 

~ cheers for everything.. good job I have got a couple of days off...!! xx

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Don't panic - you're doing fine! Have a look through this thread here http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html (post numbers 1 and 2). You can still send the draft order for directions to the court - they may not be granted, but then again they may! Have a look at it, do a draft and post it on here for comments if you like. But above all, don't worry - you're two thirds of the way there now! ;)

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Hi Louise

 

Don't worry about CPR Part 18 unless you have receieved a letter from Cobbetts asking for further information other than their defence.

 

Is the letter with the AQ sentence crossed out from MCOL or your local court? If its from MCOl, don't do anything until you hear from your local court. If it is from your local court do this

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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Thanks Steven!

 

I posted a "nudge" to Cobbetts today before I read your reply...! I thought I would give them a week then send the draft order... Partly cos I would prefer them to offer me a settlement!?

 

Do you think it is best to sent the draft order now too?

 

You are a * for the great advise ~ thanx so much!

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Louise, the draft order goes to the court - only the judge can grant the order, not cobbetts. If you want to use the draft order, send it to the court with a copy to cobbetts.

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Thanks again hedgey!

 

It makes it so much better for all of us that we have this forum to share ideas and worries!

 

I will have a look at the draft order template, try and get it sorted in my mind, write my own one, then post it here!

 

It'd be great if you'd have a peep and tell me what your thoughts are!

 

Cheers xx

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No worries - post it up when it's done. ;)

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Hey!

 

I felt like my head was going to explode when I first saw all the legal jargon, but now I've had a chance to sort through it, I don't think it's TOO bad?!

 

I basically used the templates to send to the court, but took out parts about previous cases.. cos I don't know anything about them - eek!:eek:

 

This is the letter that I will send to Cobbetts: here goes!!!

 

Please note the enclosed Draft Order for Directions that I have sent to Bedford County Court for their consideration. I again ask for this matter to be settled before any court action is taken. To substantiate my offer I draw your attention to the following order:

 

“Yorkshire Bank has been told that it may have to outline the "true cost" of bank penalty charges it imposes.

Judge Iain Besford made the order at Hull County Court when hearing seven claims for refunds of bank charges.”

 

(BBC News 4th July 2007)

 

 

I request the sum of £XXXX, inclusive of court charges.

 

Yours faithfully,

 

 

Any thoughts? Thanks a million for your support xx

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