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    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. One question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if I am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
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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. 
       

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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.
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      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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Breaking News re Roxburghe


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Administrators arrived yesterday. All staff were made redundant without pay and sent home. Am couple of people kept on to help sell business but basically fu clef everybody over. I have known some of these people for 15 years and they have treated people like dirt

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Wow! Dont tske this the wrong way... Im sorry to see you out of work and all but...

Another one bites the dust.

 

I hope you and your colleagues find something else quickly...

 

We could do with some help from you.

 

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Receptaculum Ignis

 

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David Rubin and partners. I am only posting this cos I am so upset at how we were all treated

 

You should be due statutory redundancy.

 

https://www.gov.uk/redundant-your-rights/redundancy-pay

 

This will have come as a shock. But you need to make sure you register ASAP for any entitlements you may have. e.g JSA, council tax benefit. You may be waiting quite awhile, before you know the position. Benefits can take awhile to come through, with forms to be completed.

 

I don't know what your finances are like, but if you have any mortgage redundancy cover, you should notify the Insurers of a possible claim.

 

Also check your bank statements and see what you have outgoing. You may have to cancel or reduce your ongoings.

 

Get onto the local Job Centre to see what they have available and start applying. Your colleagues will be doing the same, so you need to see if you can get there first.

We could do with some help from you.

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How odd that Roxburghe’s director Gary Osner’s LinkedIn profile already has his job title changed to Managing Director, ZZPS Ltd. A company set up ages ago...

 

I should imagine that this has been on the cards for quite awhile. I think this company lost their credit licence earlier this year, which would have concerned current clients.

We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

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David Rubin is also the administrator for HFO (UK) Holdings Ltd, which went into VOLUNTARY liquidation – in other words, the company chose its own liquidator. I would put money on the same thing happening here. After over two years, the HFO (UK) Holdings situation has still not been sorted out, and as it owns HFO Services (which has lots of assets), it will be interesting to see where all this goes.

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Thank you very much for your advice. I am seeing my solicitor later on today to go through my options as I think they have acted illegally so I will update my posts on here

 

What they have done is unfortunately standard practice. I have known this to happen to a few friends, who have turned up for work as normal with 10 years + service and they have had the annoucement followed by security escorting them out of the building.

 

You will get a letter from the administrators shortly which will contain all the relevant information about your rights etc.

 

You have been made redundant with immediate effect and there is a standard process that is followed.

 

ACAS are worth phoning, as they will have information about this situation. They will know more than your Solicitors, unless you have an employment law specialist.

 

http://www.acas.org.uk/index.aspx?articleid=1410

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Other companies to look out for in the HFO Capital/Roxburghe/Concilian world are:

 

– Cograd Ltd (formerly Roxburghe parking Services Ltd) opened by Gary Osner of Rox, but director now Badri Nathan & ultimately owned by Concilian

– ZZPS Ltd, owned wholly by Gary Osner

 

– Peckwater Capital Ltd (started in Ireland recently by Alasdair Turnbull and another director of HFO Capital Ltd (Ireland)

– Prime Arbor Finance Ltd and Prime Arbor Ltd, founded recently by Badri Nathan (and Turnbull is associated), but no info on ultimate owner

 

A dormant (now closed) company registered by Turnbull changed its name last year to Prime Arbor Capital – I now assume to protect the name until launch.

 

Watch this space.

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http://forums.moneysavingexpert.com/showthread.php?t=5064331&goto=newpost%5C

 

DonkeyB.. it is mentioned in the MSE link above, with a little more information.

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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16 Sep

Roxburghe call centre hours

 

Mon - Fri: 08:00-20:00

Sat: 09:00-13:00

Sun: Closed

Bank Holidays: Closed

 

17 Sep

Roxburghe call centre hours

 

Mon - Fri: Closed

Sat: Closed

Sun: Closed

Bank Holidays: Closed

 

The “Make a secure payment online” link still seems to be active though.

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Going by comments on the Parking Pranksters blog, there is not much sympathy for the staff who have lost their jobs. I am inclined to agree with them:-

 

If you lie down with dogs, you will get fleas. Anybody who worked for this shabby outfit will have been aware of their reputation, and their intimidatory tactics in attempting to collect so-called 'debts' relating to fake parking tickets.

Somehow I struggle to feel compassion with those who worked for this outfit. If your job is to screw other people then it's good news that you're now the one who is screwed.

 

These are the reasons why the OFT refused to renew their licence:-

 

  • Sending debt collection letters which misrepresented debtors' legal position
  • Misleading and otherwise inappropriate behaviour by HFO and Roxburghe agents during phone calls to debtors
  • Failing to properly investigate disputed debts
  • Failure to respond appropriately to the concerns of regulators, including the OFT.

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Going by comments on the Parking Pranksters blog, there is not much sympathy for the staff who have lost their jobs. I am inclined to agree with them:-

 

If you lie down with dogs, you will get fleas. Anybody who worked for this shabby outfit will have been aware of their reputation, and their intimidatory tactics in attempting to collect so-called 'debts' relating to fake parking tickets.

Somehow I struggle to feel compassion with those who worked for this outfit. If your job is to screw other people then it's good news that you're now the one who is screwed.

 

These are the reasons why the OFT refused to renew their licence:-

 

  • Sending debt collection letters which misrepresented debtors' legal position
  • Misleading and otherwise inappropriate behaviour by HFO and Roxburghe agents during phone calls to debtors
  • Failing to properly investigate disputed debts
  • Failure to respond appropriately to the concerns of regulators, including the OFT.

 

I think that’s just a generous summary. The detail of the group’s activities – visible all over CAG, and especially emanating from Turnbull Rutherford – was astonishing. Good riddance.

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