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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks 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 concenquences 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?
    • 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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OFT Test Case Questions


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I'm about to SAR my mortgage company for a couple of £30 charges two years ago when the monthly Direct Debit failed.

 

Will be interesting to see what hapens as the Test Case is about banking charges and I do not consider a mortgage account to be the same. Does anyone feel the OFT will bring up mortgage charges in order to encompass them into this Test Case?

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Basically anyone else can still be worked on:

Mortgages

Credit Cards

Store Cards

Loans

Debt Collectors

 

That should be enough for us to be getting on with for the next few months!

 

The goos thing about CCards is that the OFT have already ruled that anything over £12 is unreasonable, and even £12 would need to be justified - so how could we lose that one!

 

Good luck everyone!

 

Last one to claim is a - erm - banker!

 

Ha ha

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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Apparently so, and then add them to microfiche! well, I got them anyway, even though they told me the same on my cover letter!

 

Yes i got 4 years worth of microfiche statements, but requested, and am still requesting 17 years worth. Apart from holding a gun to their head, or non compliance through an over crowded court, any ideas ??????

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I agreed to a settlement with barclays on tuesday 17th of july, sent agreement signed str8 away, bs said had not recieved. sent copy by fax on thursday 26th july they said they would request payment, where do i stand now??? is my agreement binding or have the oft pulled the rug on me for now??

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Pat

 

There is an Agreement document that has been signed by both parties - it is legally binding and no decent judge is going to side with Barclays should they decide not to honour it.

 

Tonycee

 

I have put a thread on today about SARs and how imperative it is that people do not give an inch interms of non-compliance.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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According to Yahoo News today:

 

"Meanwhile, the FSA has agreed to allow banks to stop dealing with complaints over unauthorised overdraft charges until the courts have issued a judgment, and the Financial Ombudsman Service is suspending its work on the issue.

 

Banks will also be writing to the UK courts requesting a stay of all claims that are pending until after the outcome of the test case."

 

So I guess that gives us an idea of what to expect at all further Directions/Preliminaries.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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i posted this response in another thread with regards to this. if you dont claim the unauthorised overdraft charges, but all the over charges. i.e. unpaid d.d. unpaid referal and such could you stop the stay by the judge on these grounds.

 

dont claim the unauthorised if its a new claim. this is only a guess. but got to be worth a try surely

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SO is there any kind of draft of letter that we should send to our courts to request that they do not allow for a stay?

 

For some of us this has already dragged on for months and months, another 6 months and I'll be within reach of financial disaster. Seeing as they have been paying everyone off and just delaying it as long as possible it is surely even more unfair to allow them a further 6 months or more delay before they do what they have done in thousands of other cases and pay up

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Hi can some kind soul help me out here ...oh please!

 

I have two claims for my o/h against barclays at the mo, both in court.

 

first one is barclaycard, so I guess thats okay as its their credit card me hopes!!!! Goodness i hope so as this has been going on sooooooooo long in court!

 

The second is against barclays, my o/h's current account. This one is at the stage of waiting for their defence to be filed {next wed latest}. This is for paid referral fees and unpaid outs fees only claimed. My question is will this second claim be stayed because of the OFT test case??

 

Milly XXXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi mily..im am also at the same stage with barclays and thay have until monday to send in there defence..i was told by my court on friday afternoon i would still win by default if thay did not recive there defence monday..I shall phone monday and find out.:)

Taff-p. v BARCLAYS

S,A,R. SENT 23RD FEBRUARY

 

Taff-p. v LLOYDS TSB

S,A,R SENT 23RD FEBRUARY

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OOH...lets hope they forget with everything thats gone on;)

 

I wish you no defence from them and a judgement against Barclays:D {and a nice fat cheque:D ]

 

Good luck

 

Milly XXXX

 

P.S Let me know what happens!!!

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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There must be something around the fact that the FSA and OFT are entering a case against excesive overdraft fees...for example, and unpaid out, isn't about overdraft fees as such, but against the cost of bouncing a direct debit due to insufficeint funds. Generally, the bank hounour these, so the charge is for that, rather than going over your limit.

 

I know these are weasle words, but its about time we played them at their own game! Something like this could be used to lift a Stay, and force their hand. But then again I suppose this needs alluding too in the POCs?

 

My head hurst now!

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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i am at Bow County Court on 7th Aug and i rang Barclays the other week, who said theyd be sending me out a letter last week (they never) NOW i rang them today and Mr HIckey (beautiful voice by the way but im still MAD) said they will be sending a barrister and asking for the cases to be stayed in light of the big OFT thing. he advised i should still go to court with my court bundle. so no early settlement for me then,,,,,

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Dear All

 

I'm in the throe's of taking Barclays to court. They've offered me about 75% of my claim but in the light of this OFT situation should I accept, wait for the outcome of the case or proceed with the county court. Any advice here would be helpfull.

 

Many Thanks

 

Mike

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Mike

 

I always say two things to bear in mind

 

1) How much of a difference will it make to you short and medium term to have 75% now.

 

2) Put your figures into the spreadsheet and see what you're claim is worth upon filing in court PLUS of course *5 still accruing until settlement.

 

BTW, I wonder if the FSA will head another case against the banks for being naughty by not playing by the rules of communicating with customers :

FSA finds banks at fault over complaints

 

By Jennifer Hughes

Published: July 27 2007 19:59 | Last updated: July 27 2007 19:59

 

 

Two high street lenders are being investigated by the City watchdog after it found “significant defic­iencies” in banks’ handling of complaints on overdraft charges.

In a report on Friday, the Financial Services Authority said it had found some banks threatening to close accounts in what seemed to be a move to deter complainants; others were fobbing off complaints with “irrelevant” responses.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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I am on my second claim - first one settled in full before court hearing. I have sent the letter before action but have been offered nothing as they say they have already settled with me once and this covers all other cases (!). I am happy to go ahead but obviously the next step is going to cost me money. If I haven't actually got a court case going at the moment, then surely nothing will be done until after the test case? If the case ends in our favour but gives a figure for charges at about £12, surely I'm gaining nothing by paying extra for court as they will only pay back the charges? Sorry if this doesn't make much sense but I'm not keen to pay out any more if there's a chance I wont get it back. Any advice gratefully received!

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