Jump to content


  • Tweets

  • Posts

    • Nick Wallis has written up the first day of Angela van den Bogerd's evidence to the inquiry. I thought she was awful. She's decided to go with being not bright enough to spot what was happening over Fujitsu altering entries on the Horizon system, rather than covering up important facts. She's there today as well. The First Lady of Flat Earth – Post Office Scandal WWW.POSTOFFICESCANDAL.UK Angela van den Bogerd, on oath once more It is possible that Angela van den Bogerd and her senior colleagues (Rodric Williams, Mark Davies, Susan...  
    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
  • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 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

DEBTMOVERS/MONEYPLUS GROUP DMP for 8yrs now dumped - CCA time!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2246 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

Good morning all.

 

I have been reading some of the forums on here and decided to make an account after seeing how helpful everyone is in hopes of getting some valuable information from your selves.

 

I am 37 , borrowed to much money when I was younger, could not keep up with repayments and ignored everything.

 

I ended up on a DMP with a company who got the letters and phone calls to stop, much to my relief. Fast forward 8/9 years and my current status. I have paid 4 of my creditors and have 4 left.

 

Barclaycard. £1800. Link financial , taken out 2008

Morgan Stanley/Barclaycard £1300 link financial , taken out 2002

 

HSBC loan £6800. Idem servicing , taken out pre 2007

HSBC CC. £9000. Idem servicing , taken out pre 2007

HSBC OD. £1500 Idem servicing , taken out pre 2007

 

I have stopped paying my DMP company as I did not realise they were charging me to use them at £37.50. My own fault for not checking.

 

I have tried to negotiate a full and final payment offer , but the companies don’t want to know. So I stopped paying as of August 2017 I read about the 3 letter process and decided to take this route.

 

Link financial replied back “We do not accept letter templates and any future letters will be filed accordingly until further action”.

I have also sent a CCA request FEB 2017, Have not heard from them since.

 

Idem servicing have sent me a letter admitting we do not have any paperwork and cannot enforce in court but we will still be pursuing you for the total amount.

 

I just wanted some advice on what do next.

Thanks

Link to post
Share on other sites

" Link financial replied back “We do not accept letter templates and any future letters will be filed accordingly until further action”.

I have also sent a CCA Request FEB 2017, Have not heard from them since."

 

How coincidental...we advise posters to do the same with their template nonsense missives :-)

 

Ignore them until they comply to your request...they are in default.

 

 

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

You know you cant send a CCA for the HSBC OD. £1500 Idem servicing , taken out pre 2007

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

Just had 2 letters from idem servicing in reply to my CCA request

 

Letter 1 loan £6800, we are unable to supply you with a copy of the CCA and acknowledge that until we do so the agreement cannot be enforced, but the balance still remains outstanding. A list of payments have been sent dating from 15/11/2012 when I first stared paying idem.

 

Letter 2 CC/OD, In compliance with your request pursuant to section 77 of the CCA we enclose a copy of the executed credit agreement, copy of terms and conditions and a statement of account.

I cannot not see any agreement, just terms and conditions , and statements form when I started to pay idem 15/11/2012.

 

Some how idem have managed to merge my HSBC credit card and HSBC OD together, but they always quote my HSBC OD account number.

 

Any thoughts would be much appreciated

Link to post
Share on other sites

Andy

 

Yes I thought that aswell, but idem have merged my HSBC OD, and CC into one account

 

The £9000 is made up of my OD and CC

 

Okay the old amalgamated account syndrome...so the T&Cs are for the CC not for the OD facility?

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

The terms and conditions are for the OD account

 

Even better:-) ......then they remain in default of your section 78 request with regards to the CC.

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 a 3 page agreement for the overdraft facility on the OD account, and general terms and conditions for current accounts and savings accounts

 

Is the OD mainly made up of unfair charges and interest?...do you have a rough split with balance on the CC > OD ?

 

Edit....

 

HSBC CC. £9000. Idem servicing , taken out pre 2007

HSBC OD. £1500 Idem servicing , taken out pre 2007

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

I don’t know to be honest. when my DMP company took control of my accounts for me this is how much I owed at the time 2009

 

HSBC OD £1850

HSBC CC £11300

 

The OD and the CC sums are the same for when my DMP took over

£1855 OD and £11300, to my HSBC statements ,

Link to post
Share on other sites

I think it may be prudent to send a DSAR (Data Subject Access Request) to HSBC.....template can be found in our Library then you have all the relevant information if this escalates to litigation.

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

No ...its all the same creditor (HSBC) just list the 3 account numbers.

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

great you've removed yourself from the fee paying fleecers [who were they?]

and even greater you are removing yourself from the DCA cash cow milking parlour

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 ofcourse expose them to warn others

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

ok I've renamed your thread and moved you to the DMP forum.

 

there are no threads here specifically about those two..surprisingly!

but there are lots of how others deal with these fee payers to read

 

dx

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

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

Hello there. I have received 2 letters from idem again, these are the same letters I got a few days ago, the only difference is today I had to sign for them as they were recorded delivery. Is this normal ?

I have read about DCAs trying different methods to get signatures and then using them.

Just a bit worried

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...