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    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • 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?
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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
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Robinson & Clarke


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I started out with a debt of £3k which i started paying till about 2003. I came out of work and couldnt afford the payments. I went living abroad and afew years after I received a letter saying I owed roughly £12K from Westcot. I went away again and stayed at my mums last week where Robinson Way who have bought the debt phoned and said I owe them roughly £22K!!!!!! They said they had phoned on the off chance and said if I paid £6K off that day They would knock me some money off. I told them I dont even work so how can I afford 6K!!! Since I spoke to them they phone continuously for past few days saying they will send me to court. My parents have stopped answering the phone as at the end of last week they phoned in total 10 times!!!!! I'm getting stressed more about the stress its putting on my parents but I dont know what to do with this.

 

Can anyone advise??

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First take a deep breath.

 

Secondly, NEVER speak to them on the phone.

 

Thirdly, send them a request for the original agreement under the Consumer Credit act 1974. There is a template letter in the library - letter N. Send this with a £1 postal Order to Robinsons. If they do not supply a true copy of the agreement in 12+2 (working) days then it becomes unenforceable until they do. After a further 30 days they commit a summary criminal offence. Read a few of the threads and you will get the idea as to how it helps you. Also ask for a Notice of Assigment to ensure they can actually collect the debt.

 

Fourthly, send the original creditor a S.A.R. - (Subject Access Request) with a postal Order for £10. Again there is a template around somewhere which some other fab person will pint you too. This enables you to get a full breakdown on all entries to your accouht from charges to interest to letters etc.

 

This will enable you to work out how much you have been unlawfully charged, and in the off chance they come up with an enforceable CCA (unlikely) you can sue them for recovery of the unlawful charges and get the amount reduced.

 

 

phew. Good Luck. Just yell if you need any help.!!!:D

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Hi & Welcome

 

DO NOT PANIC!

 

Robinson Way and Co are notorious here on CAG, type in a search for them and see what you come up with...I myself have had trouble with them, they seem to prey on people and pride themselves in their patronising and bullyboy tactics.

 

In addition to what the helpful post above says, also send Robinson Way & Co a letter asking them to cease contact by phone, if they do not do this you can report them for telephone harrassment there is a sticky thread at the top of this forum to help you in this matter.

 

I have now taken RW&Co to Trading Standards, who will hold a huge file on them judging by the amount of members of CAG who have also complained to trading standards about them.

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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They are so notorious we know who you are talking about even if you call them something else!!!

 

Best of luck to you, keep us posted!

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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Hey Falula

The S.A.R - (Subject Access Request) will give you access to all data (ie Statements or Loan account details) held by the original creditor.

You need to read these and direct the letter and SAR to the original creditor

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

You need to enclose a cheque or postal order (preferable as they can get your bank details from a cheque- especially if you owe money, they may well try to set up a direct debit, in my experience) for £10.

 

They have 40 days in which to comply.

 

If you have been subject to charges on the loan, you can reclaim this along with any PPI (Payment Protection Insurance) NB I stand to be corrected but I believe if you only get so far with the original creditor, you may also have to send SAR to any collection agencies which have been assigned the debt in the past, although I am sure someone else can clarify this issue as I am unsure if I am correct.

 

Keep us posted and if you have any more questions just post them in the forum and someone will give you a hand.

 

Take Care,

TF x

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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