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    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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      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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    • 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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I have debts of over £8000 and monthly repayments of over £400 with ever increasing interest rates now over 40% on some of the debt and now I am struggling to meet living cost's and i am now getting depressed about the situation .

 

My situation is that i am on the support part of Income based ESA due to 7 medical conditions : Stage 3 cancer which ended my employment ----Cerebal svd---Hypothyroidism--Severe asthma --High blood pressure--Costochondritis--Bilateral plantar fasciitis and now checking for metstatic cancer due to worsening bone pain and left side paralysis at night which badly effects my sleep.

 

My wife works part time (10 hrs per week ) most of earnings is taken away from my ESA payment and the remainder about £11 just covers my fuel cost to take her to work each day. I have one child aged 13 and one aged 19 at University living with us.

 

About 3 months ago i contacted my private pension provider about accessing my pension earlier and they confirmed that my medical conditions met this criteria but i would need to fill in forms and have them signed by my doctor .I have done this and now have received information from my pension provider that i can withdraw my entire pension pot of £29000 minus bonus penalties and tax liabilities .

 

My question is i want to clear all my debts --purchase a reliable car as mine is 13 years old with little or no chance of passing an mot in 2 months time and use some of the remaining money to purchase a funeral plan .I also require some medical aids to help me at night as i sleep on the floor on a matteress in the frontroom as i cannot access the stairs at night due to balance issues and i need to the toilet 2 or 3 times a night .

 

I have been advised that my ESA will stop as they will see me using the money as deprivation of capital and this is why i am asking for advice as i have know where else to turn to now if this is the case .

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lets deal with the debts first

who do you owe what

you shouldn't blindly be paying a dca on a debt?

have ever sent anyone a cca request

 

tell us about yours debts

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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lets deal with the debts first

 

Agreed. The first step would be to write to the creditors asking them to freeze the interest and then looking at reclaiming any unfair charges & PPI.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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To be fair dx and Mr.P, your not answering the question.

 

Original poster..

As long as you can show were the money went, ie pay your debts, purchase reliable transport, buy medical aids- maybe not essential but will make your life easier and the like you'll be ok.

As long as the remaining balance does not exceed the threshold.

 

What the DWP mean I your not purposefully getting rid of money to intentionally go below the threshold

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Thank you for your replies they have been helpful to a degree ----I have come to the conclusion if i stay as i am i will fall on my sword so to speak and if i take the money that i have paid in all my life i might fall on my sword anyway but least its some light at the end of the tunnel in relation to my financial situation and maybe a little help in the medical side as well with less stress.

 

I will take the money --keep all receipts and be wise with what i purchase and keep them informed all the way of what i am doing and let fate run its course.

 

Once again thanks for you replies.

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