Jump to content


  • Tweets

  • Posts

    • Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • 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.  
  • Our picks

    • 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

just a quickie


hardcore_alleigh
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6146 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

You can add on charges right up until you file a claim through the courts. But only charges that have actually been taken from your account.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

  • 2 weeks later...

Unfortuntely, I don't think you will get very far by phoning them and asking for them to settle, but I don't see any harm in trying. But do not get your hopes up. HSBC still insist that their charges are lawful and they will almost certainly tell you "no". Sorry to be the bearer of bad tidings.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

yep, right up until you file you can add any further charges - get them onto your schedule of charges -

the daily interest bit in the filing of charges may really become a big point for people filing charges now - as you know it's going to go to a test case and it could take awhile - but if your claim is in - then you'll be in line for whatever good news comes your way - it's just going to take time.

so, my best advice would be to file your claim (that is the only money you will have to lay out and if the test case goes our way - you'll get it back plus all your charges plus 8% interest and then daily interest from the date of the claim up until it is resolved.

be sure to use the new particulars of charge and file using the N1 not mcol as the space for the particulars on the mcol is way too small for the new particulars - there's a link in my signature.

keep records of everything.

Link to post
Share on other sites

you can read about it on the BBC news website or you can read the CAG response to it here:-

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/107583-oft-test-case-what.html

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

in a nutshell - oft is taking banks to court to see if the charges are unfair - and the banks response is to put a hold on everything until after the test case - which unfortunately could take ages and ages. best advice is to go ahead and file - you'll be out the filing fee for the moment - but best case scenario - if the banks loose - you'll be in line to get your money back plus the filing fee.... it's just going to take time and you can expect a letter from either the bank or the court system saying it is stayed (on hold) until the test case is heard. nothing to be done about it - just have to suck it up and wait. but best to file now - because if you are claiming back charges from say - - six years ago - and you wait to file - those charges would then be beyond the six year limit which is a different fight. so, best to file and be in line for the hoped for payout when it's over.

  • Haha 1
Link to post
Share on other sites

  • 2 weeks later...

ive recently looked at my credit score on experian's website and my HSBC current account is showing that i ave missed payments for the last three months. Why is this? to be honest i dont use the account anymore, could it be that because i no longer have my monthly wage & tax credit go thru the account that its showing missed payments?

 

and once i file my N1 and if i won the case, would these be removed from my credit register?

Alleigh vs Halifax - £2213 settled :D

Link to post
Share on other sites

PRINTER HAS ARRIVED and is installed. have been working on my N1 form which i got from here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/107625-new-poc-n1-hsbc.html

[url=http://www.consumeractiongroup.co.uk/Spreadsheets/England/Simple-charges-calc.xls][/url]

i have also used this spreadsheet: http://www.consumeractiongroup.co.uk/Spreadsheets/England/Simple-charges-calc.xls which has all been fine, just not sure what the daily rate should be here:

(3) Interest under section 69 of the County Courts Act 1984 at the rate of 8% per annum from the date of wrongful debit to date in the sum of £281.13, and at the daily rate of xx.until judgment or sooner payment.

 

can someone clear this up for me so i can post this tomorrow?

Alleigh vs Halifax - £2213 settled :D

Link to post
Share on other sites

daily rate is charges x 0.00022 = xxpence per day

so, say your charges are 250 - you are asking for 250 plus the 8%interest from the interest calculator plus daily rate of 6 pence per day from the date of the claim to the resolution (that's 21.90 over a year!) if this case drags on - you'll be rich!

Link to post
Share on other sites

so i write:

(3)Interest under section 69 of the County Courts Act 1984 at the rate of 8% per annum from the date of wrongful debit to date in the sum of £281.13, and at the daily rate of £275.00 x 0.00022 = 0.6pence per day until judgment or sooner payment.

??

Alleigh vs Halifax - £2213 settled :D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...