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    • A debt collector can do absolutely nothing.  For a start it's not even their debt. Relax and ignore them.
    • I don't believe you can get a family arrangements order changed just by writing to the court and saying you don't consent to be included in it any longer.  You will need to make a formal application to the court for a variation to the order. A family law specialist will best be able to advise. Bear in mind that family courts will consider first and foremost what is best for the child and will encourage the family to discuss it and bring proposals to the court.
    • That should keep them out of power for at least a decade The right wing nuts might point the finger of blame at everyone else, including 'lefty money market capitalist establishment', but they shold look in a mirror. The only time the wing nuts do well is when a moderate has been voted in. They should all (paraphrasing Anderson) sod off to ukip/reform and stop pretending to be Conservatives.   Need to start some petitions dont we: We the British public require that Liz Truss is denied British public funding for her nut job preaching and refuse to be used as a personal ATM for extremists, especially when they are breaking all requirements in place that define decorum for ex Pms or current ministers - then Johnson, then ...
    • Hi, New to the site but many threads I have seen have some very useful feedback so hoping for the same here for my predicament.   Long story short (sort of!), I went to Spain for a few days last year and booked the hire car through Hertz Espana alongside my flight as part of a fly drive package. At the time, I also took out the additional car insurance that was offered. This is the type where you pay a deposit for the car and apply to the insurance company afterwards should any money be retained by the hire car company for any damages caused during my rental period. Happy days. Upon collecting the car from the Car Hire kiosk at the airport, the customer services agent opened the conversation by asking whether I spoke Spanish, a fair question when visiting the country. I unfortunately can't speak the language much beyond 'Hi, bye, Thank you and 2 beers please'! My wife whom I usually travel with is fairly fluent so usually takes charge in this type of scenario but was already at the apartment as my visit was a last minute trip to join her for a few days of her longer expedition there. The agent then went through the usual attempts to upsell and try to convince me that their insurance is much better than the one I had, and shown evidence of to the agent, because I wouldn't have to worry about applying to get the deposit back etc etc etc. I obviously rejected this as I already had insurance so why would I take it out twice? He then asked for a credit card for the deposit to which I asked if they took American Express. Not only did they but apparently unlocked better deals for cars in a higher bracket than mine! Good to know but not interested. Can't fault his desire to upsell. Declined this also because I booked the specific car as I was considering buying one in the UK and thought it a good opportunity to use it as an extended test drive. When he told me the amount he was putting on my credit card, it seemed low and I queried it with him and he confirmed it was definitely the deposit he was taking. The Agreement I had to sign for the car was in Spanish which also doubled up as the receipt of the card transaction. Gave me the keys and I was on my way. Cut to 4 weeks later and I emailed Hertz to find out why they hadn't released my deposit yet and was wondering how long it would take. The car was hardly used and there was no damage on it so no requirement for them to withhold any, although you do hear of stories so I was starting to get a bit concerned. They replied saying that I would need to contact American Express and find out from them when it was due to be released. Upon contacting them, I was then informed that it had gone through as a sale instead of a hold so obviously wouldn't be released. I assumed the agent had made an error on the card machine and pressed the wrong button. After further investigation, I realised what had happened. I opened a dispute with American Express, sent them my story and all the evidence and they sided with my and gave me a charge back. Hertz tried to argue it but to no avail apparently.  9 months later, I have received a phone call and a corresponding letter from a UK Debt Collection Office wanting the money. I have had nothing from Hertz saying the money was owed as thought that was the end of it once they failed to argue the charge back. I spoke to the Debt Collector over the phone and explained what had happened to them that it was obviously missed at the time as the agreement was in Spanish and was going on the word of the agent that it was only the deposit he was taking, to which they replied 'You shouldn't sign anything you don't understand'. Useful advice but nothing surprising as all they want is the money as they have no morals.  The question I have is; Do they have any legal right within the UK to escalate this any further? I will fight it as far as I can but am aware how quickly costs can escalate when a debt collector is involved so don't want this to happen if I haven't got a leg to stand on as I signed the agreement including the receipt for the additional insurance, even if it was a scam and not what I was told it was. Any help is greatly received. All the advice I can find on Mr Google is regarding property so not sure whether the legal process is the same for that as my issue. 
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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 
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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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cTax Liability Order Discharge letter


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i have received a letter from the council in respect of a liability order for council tax, issued in February.

 

It says I must pay £9.99 to discharge the order.

 

What exactly does this mean?

 

 

For whatever reason your Council has a Liability Order against you and from what you say there is still £9-99 owing on it. The only way you can find out is to ring and ask them.

 

PT

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