Jump to content


  • Tweets

  • Posts

    • Hi all. Apologies for the delay. I was writing the timeline out, taking a while as I was checking everything against emails etc… then suddenly today the parcel started tracking again and appears to be magically found and back enroute.    I’ll post up the tracking info screenshots in a sec which kinda summarises the timeline - during the multiple “Enquiry Raised” events there was a lot of emails (most of which were ignored by Evri) before they finally admitted it was lost. And yet now it is back enroute. Utterly unbelievable 🤦🏻‍♂️ So no letter before claim has been drafted just yet…
    • You can SAR them again, to check.   If: a) they dealt with it as a complaint, b) stated that their response was a final response, c) noted that you could escalate it to FOS (and had 6 months in which to do so), and d) Didn’t say “we will waive our right to have to grant permission after 6 months”  Them : you can still take it to FOS but FOS would have to obtain their permission to review it outside of the 6 months (and that seems unlikely)  https://www.financial-ombudsman.org.uk/businesses/resolving-complaint/before-get-involved#:~:text=These time limits are%3A,they had cause to complain)  
    • I just checked the last email from them that I printed out.  It was directing me to a link to files as part of a data SAR (which I never called my request; they did). The email says the link would expire in 3 months.  Now my computer crashed later in 19.  I lost a lot of info. I need to check storage for old hard-drives to see if I downloaded and saved whatever info was in the link.   I have 1 other printed out email from my friend who was a broker. It was dated apx 6w after my first email to broker.  Friend was telling me what to include in a letter to compliance dept.  I don't have a printed copy of my letter - so can't remember if was entitled formal complaint - or their reply.   Will check storage later.  If I have anything useful I will post
  • Recommended Topics

  • 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 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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
  • Recommended Topics

Nemo 2nd charge loan - threats of AEO - HCEO etc - home was repod by 1st charge years ago


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2024 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

Hi all,

 

To make this as brief as possible,

 

I had a second charge on my property with Nemo personal finance.

In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge.

 

I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it.

 

I agreed a miminal payment to them which I paid monthly

about 2/3 years ago I wrote to them sending them £10 PO asking for a SAR.

They never produced it so after a while I stopped paying and things went quiet of a year.

 

Now they are back on my case threatening with a attachment to earnings, High court Writ and Baliffs etc.

I am not sure how I should proceed with this and would really appreciate some help.

 

I id speak to one of their customer service reps when I got the first contact letter and explained that I stopped paying because they did not comply with my request and he said he would look into it and get back to me but he hasnt and I ave just had a letter threatening allsorts to collect.

 

When I first loss my house I did do a lot of research on this with regard to the PPI and secret commissions which there undoubtedly was but never saw it through due to personal circumstances.

Link to post
Share on other sites

Really depends on whether you have income or assets to pay this debt.

 

Did you ever look into the repossession by GE Money ?

 

Do you have a copy of the CCJ, so you know what it says ? If not, get a copy from the court.

 

It might be wise because of the CCJ and further costs of enforcement to make affordable payments. If they do elevate to High Court enforcement, then the fees they will add, will make you wish you had made small repayments.

 

If Nemo are in breach of Data Protection Acr for not complying with an SAR, you should make a formal complaint in writing.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

No I have no assets at all.

 

I do intend to make a complain in writing but I just need to know my legal rights as the loan would not be covered by CCA.

 

Also, I dont have a problem paying small instalments which will be small as I am what they now class as working poor! but I want to claim back all the charges and PPI and look into the secret commission but I cannot do that if they dont give me the info I have asked for.

Link to post
Share on other sites

How much was the second charge for LTB and what date in 2007 did you take it ?

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Hi Andy,

 

I think the original loan was about £40,000. i would need to dig out paperwork to confirm exact details.

 

2007 was when we got into trouble and house repo. Loan was take out 2005/2006, again would need paperwork which is one reason I sent SAR 3 years ago.

 

Thank you

LTB

Link to post
Share on other sites

Ah many thanks I was just wondering whether it was around the 25K threshold ...for CCA1974 purposes.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Also, I dont have a problem paying small instalments which will be small as I am what they now class as working poor! but I want to claim back all the charges and PPI and look into the secret commission but I cannot do that if they dont give me the info I have asked for.

 

Given the amount of this debt and your current circumstances, have you discussed this with anyone qualified to discuss bankruptcy ? Not saying this is the right solution, but something to look into.

 

If you have other debts, then you can also include these and look to have a fresh start after a relevant period.

 

If you found PPI to claim back, they might just keep this to pay towards the debt.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

  • 3 months later...

Getting back onto this thread, I need to deal with this as it is not going away.

 

I have requested another SAR from Nemo which I now have but they have not sent me all the infor that they sent when I originally SAR them back in 2008, about half that info is missing.

 

They still have not given any details with regards to the PPI which I am going to try and claim back to start with.

 

I have been thinking about ways in which I can move on with this and would appreciate your comments and views.

 

First of all I have thought about trying to get the judgement overturned but I am not sure I can because 1. the amount of time lapsed since the judgement was granted

2. I cant prove that I never received any claim form, which of course I didnt. I knew nothing about t until some months after the event as I would have challenged it.

 

I am going to see if I can get the PPI and charges back.

 

I am also thinking of writing a complaint letter about the issues that I have with Nemo and also complaiing that I am now aware that the loan was missold which I believe it was after reading lots on here.

Link to post
Share on other sites

  • 9 months later...

I would concentrate on this nemo load

dump the rest to

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

id be sending nemo an sar

let get all the statements

and the full picture here

 

that judgement is 10yrs old

 

if they've not enforced it

its too late now

and I bet that's why you simply get threat -o-grams.

 

I gather by judgement you mean a CCJ

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yes dx100UK a CCJ.

I have SAR'd them before on 2 occasions.

 

The first was before they issued a claim and the second time was last year when they were on the case again.

 

Strange thing is, second one didnt have as much info as the first one.

 

thing is I dont really know what I am looking for.

There wasnt really that much I could see in the way of charges and things.

 

When I sent the SAR the first time it was not long after the house repo and there was a lot of info at the time on the internet about unenforceable loan agreements but I figured because it was over £25k and therefore not regulated there would seen little point in trying to challenge it in any way.

 

What do you mean by its to late to enforce it?

Is there a time limit on enforcement then?

Link to post
Share on other sites

that is a good point by dx, re enforcement after so long from the date of the judgment.

if they go to enforce, and its after 6 years without certain activity, they would need the courts permission.

what was the nature of the judgment,; instalment order, forthwith,...

you said you stopped (20/mth) payments in the last 3 years

Link to post
Share on other sites

put bankruptcy out of your mind. As advised, send a SAR asap to nemo. For the cost of a SAR you MIGHT be able to write off that 40k completely. But the SAR will give the info needed to see.

 

Is the nemo loan/judgement still with nemo, or did they pass it on to another company?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Ahh. I think in regards to the 40k, then it all depends on the time between judgement and now, and if theyve actually attempted to collect, or theyve remained quiet for that period. Then perhaps totally ignore nemo, and leave the ball in their court. Of course, if nemo took it to court, due to the amount it is, even though they havent chased it, it would be up to a judge, but i dont think it would get that far. After all, theyd have already done that.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

lovetobake has said they have been paying 20/mth on the ccj up until about 3 years ago. #10

if that's so, then the 6 years to enforce may not be applicable yet (even if its not under a formal instalment order, courts permission then required)

what was the nature of the judgment/order?

Link to post
Share on other sites

posts moved from new thread to here

 

so theres PPI?

is this in the SAR?

 

can we see all the statements please?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

O I have become very confused !!!!!!!!!!!! I am now on another thread I wrote some time ago.

 

The situation with Nemo so far.........

I managed to get another SAR from them last year which was the 2nd one.

It took me 3 years to get this second one out of them from paying the £10.

 

eventually it arrived

the information is not the same in as much as there seems to be things missing that I got in the first SAR.

There was PPI which the details were never forwarded on,

it just mentions somewhere in the paperwork the amount of the PPI.

 

I then wrote to Nemo asking why I never received the details of the PPI

they wrote back saying that I would have to contact the broker that arranged it or the Insurance Company.

 

The Broker was Promise finance who went into administration some time ago

I phoned the FSCS who sent me out a claim form and I never did anything with it.

 

I am expecting Nemo to be in touch again at any time

although last time, I wrote a letter of complaint because they kept sending me letters threatening doorstop visits

when I phoned them they never returned the calls.

 

I sent them an I & E form and they said they could see that I couldnt afford anything at that time.

But they will be back.

 

Going back to the PPI,

like I said before

I had a claim form but my head really hasnt been in the right place to deal with it

 

(I am sorry guys you are going to cringe at what I am going to say next),

in October I got a phone call from a claims company saying they had my details regarding the PPI that was sold by Promise Finance and they believed I would be able to claim it back blah blah blah and its a no win no fee blah blah and I just agreed even though they will take 25% if it is successful.

 

I am very sceptical of them though because I didnt want my circumstances made worse by the money going straight of the Nemo debt and then having to cough up 25% to them

 

I have it in writing from them that Nemo cannot touch it as the PPI was sold by the Broker not Nemo.

I still dont trust them though.

 

If I do get anything back I have to be honest it would be a blessing but Im not banking on it.

Its been 2 months so I may hear by the end of Jan as they say it can take upto 12 weeks.

 

I just dont know a way out of the Nemo loan other than Bankruptcy.

If anyone has any other ideas please share :)

Link to post
Share on other sites

each debt should have ITS OWN THREAD

which then makes things so much EASIER to understand.

 

if you cant find you threads

click your username

om the left

or uptop USER CP

 

ONE THREAD

ONE DEBT

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

the FSCS is the way to go

you'll get 90% back

write and cancel the sc@mmers

tell 'em your budgie has died or something.

 

as for nemo

they could have enforced this long ago

the fact that they haven't

and are threatening doorsteppers means they know full well they don't have a leg to stand on.

 

can you scan up their last letter to PDF please read upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 8 months later...

so what going on with this nemo thing?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...