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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.  

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      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.

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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.
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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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been paying Very Old Debts on Moneyplus DMP for +10yrs - help


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Hi, I am looking for some advice please.

 

 

I have been paying various DCA's via Moneyplus (Byrom and Keeley) prior to that for many years.

In fact probably over 10 years.

My credit file is perfect as all dropped off years ago.

 

The question is, reading these forums, am i in a position to request CCA's? from IDEM, 1st Credit, Wescott etc....

 

i cant even remember who most of these debts originally belonged to.

I think Intelligent Finance was one as was Lloyds TSB.

 

I have been paying very small amounts of the years and debt still totals over 30k.

I read about the term cash cow which I feel I maybe just one of them!!

 

Can someone please advise if I should be doing something?

 

Thank you

 

Infestedocean

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The silly thing with a DMP is that you pay small amounts over a very long period, but large debts are still hanging around not seeming to reduce. Moneyplus are no doubt happy, as the amount you are paying includes fees to them. It is not as if any of the debts are written off after a number of years.

 

So yes you must send a CCA request with the £1 fee to each of the current debt owners. See if they can provide them.

 

Have Moneyplus been sending you a regular statement showing the exact position of every debt ? If not, i would suggest you ask them for full details of each debt, with a statement for each showing the debt reducing, with no interest or charges being added.

 

Do you own your home or any property assets, which might be at risk if you stopped paying and any creditors obtained CCJ's, moving to bankruptcy, if necessary ? What is your current financial position like ?

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

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ditch the DMP and get checking all your debts. How much is this DMP taking in fees.

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

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Yes worth sending CCA requests to current debt owners. If they don't have enforceable CCA's, then for accounts taken out pre April 2007, then it should stop them getting CCJ's if you defended any court claim, after stopping payments.

 

£150 a month = £1800 a year, so hardly an insignificant amount. And how much are the debts reducing ? You should ask them for statements on every debt they are dealing with.

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

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Also a lot of dmp's dont actually pay yoru debts each month. THey ask to stop payments for a set time, and they stockpile an amount and try to offer a f&f which rarely happens. Meanwhile theyre collecting the fee's and pocketing money that could go to your debts.

 

And i sure hope you mean paying 150 total to your debts. Not just the dmp's fees

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

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Wow I wasn't aware of that. I pay £150 and £20 is fees. I get a rolling statement online every month so I can see what I owe who at any time. The main Ones are with Cabot and PRA group. Never heard a peep from them!

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if cabot own the debt, then its very very likely unenforceable and youre giving them money for nothing. Same with PRA.

 

List your debts please with as much info as possible. Lets ditch this DMP, and get these debts gone for you. For as little money as possible.

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

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Please dump them!!

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?265524-Byrom-and-Keeley-Friends-or-Foes

 

 

I wouldn't bother sending any CCA's or anything

we'll deal with each debt as it come through your door

 

 

even IF you do owe all the fleecers you are paying

a month or two being our of their cash cowing milking parlour wont hurt.

 

 

get an sar running to Byrom and Keeley

as 9/10 there some secret little full and final pot that they also kept even more of your money in

that gets magic'd away too.

 

 

sound like you've been paying for their holiday to the Bahama's for far too long to me..

 

 

just remember the botton line

A DCA IS NOT A BAILIFF

they have NO LEGAL POWERS WHATSOEVER

that YOU do not have yourself..

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... 

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  • 5 months later...

hows this cag thread progressing....

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... 

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