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    • 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 polled 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 and 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.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
    • well if your not going to upload documents because you are too scared of your data being stolen and someone rocking up to you we are going to struggle to help you peoples energy data breach has nothing to do with a hosting site...
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      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.

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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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Stuart Shields
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Hi all,

 

just a quick email to let you all know that i started the ball rolling with HSBC on June 12th for the return of punitive bank charges. Have already successfully reclaimed from Alliance and Leicester so HSBC should be straightforward. will keep you all up to date with my progress.

 

best

stuart

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  • 2 weeks later...

cheers for that hsbcrusher ... but that's my passport picture :wink:

 

onto the real business ...

a quick up date - had an offer of 70% of my claim from Colin Langdale over in Leeds on friday. have just printed out my rejection of this as settlement and my intention to pursue hsbc for the full amount.

 

best wishes

stuart

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I have absolutely no doubt ... already successfully completed against Alliance & Leicester! paid off my over draft (spooky coincidence or what) and closed the account.

 

if the banks had a case then they would have already taken one of us to court. wouldn't it be great if they did - can you imagine the publicity around any case. the whole fee thing is a way of making easy money and it's time we all stopped letting the banks take the proverbial.

 

hmm, monday morning rant over ...

stuart

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  • 3 weeks later...

well, got to the end of the 14 days and of course nothing from HSBC. so I filed my claim at Moneyclaim online a few minutes ago. I'm still assuming that they will go to the wire - wouldn't it be nice if they just paid up!

 

update as and when HSBC get in touch

stuart

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have just printed out my rejection of this as settlement and my intention to pursue hsbc for the full amount.

 

 

Would you happen to have a copy of a letter I can send, HSBC have offered me £600 but claiming £860.00 so want to do the same but can not find a template letter. Maybe blind!!!!!

 

Many thanks.

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you're not blind, there is no official template letter, however something along the lines of

 

dear mr bank dude

 

regarding your offer of £xxxx in letter dated XXXX , i accept this amount as a partial settlement only , and i will be pursuing the remainder of £xxxx as stipulated by my original timetable

 

regards

 

me

 

should do

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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No problem with the letter Michellemc – I used the LBA template but inserted the following paragraph at the start.

 

Dear Mr bank dude

Thank you for your letter dated 22nd June offering a partial refund of my total claim. I am willing to accept the part payment offered by you for £xxx, however please be aware that I will still pursue the remaining amount and that as a matter of principle I am fully prepared to go to court over this issue. Please do not consider this an idle threat or a frivolous act. I have already successfully conducted a claim against Alliance & Leicester PLC. I also note that on June 13th you charged another set of unlawful punitive charges (£50) to my account which I will be adding to the claim.

 

and then the LBA details again giving them 14 days to respond.

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this is what I sent

 

I thank you for your letter dated 13th June 2006.

 

I wish to accept your offer of £XXXX as an installment towards the full amount owing, XXXX.

Only when the £XXXX is paid in full will I cease my court action against HSBC.

 

I am entirely confident that the charges imposed by HSBC are completely unreasonable, and that a court would agree with this statement.

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Hi all,

Quick question for you.

 

Claim issued on July 13th (so deemed to be served opn the 18th). Acknowledge dby HSBC on the 19th. I received letter dated July 14th offering full settlement – however I’m going to be out of pocket £50 MCOL fees, and the 8% interest.

 

What do you all reckon, do I accept the full settlement offer and agree to the £50 hit or do I reject /ignore the offer and proceed with claim for full amount, plus costs and interest?

 

Stuart

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HELLO

 

I AM ABOUT TO START CLAIMING AGAINST HSBC BUT HAVENT GOT A CLUE WHERE TO START. I HAVE A LETTER ALL SET UP AND HAVE A LIST OF ALL MY CHARGES BUT CANT FIGURE OUT WHERE TO SEND IT TO ON THIS WEBSITE? CAN YOU HELP? OR SHALL I JUST POST THE LETTER BY PIDGEON INSTEAD?

 

THANKS

kIM

X

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HELLO

 

I AM ABOUT TO START CLAIMING AGAINST HSBC BUT HAVENT GOT A CLUE WHERE TO START. I HAVE A LETTER ALL SET UP AND HAVE A LIST OF ALL MY CHARGES BUT CANT FIGURE OUT WHERE TO SEND IT TO ON THIS WEBSITE? CAN YOU HELP? OR SHALL I JUST POST THE LETTER BY PIDGEON INSTEAD?

 

THANKS

kIM

X

 

send ir to your branch, it all goes to the same place anyway!

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