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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
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    • If you are buying a used car – you need to read this survival guide.
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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. 
       

      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
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I need to take stock here - it's ridiculous. I'll be honest - I owe £32-34k and I just got paid £676.00 for a month. How can I possibly pay this back it will take forever??

 

I am at the end of knowing what to do now??!!

 

I've tried an IVA and it failed - TWICE - I did it legitimately through Payplan and got nowhere.

 

Is bankrupcy my only option because I've been down all other routes and I am left with nothing. I'm 33 live at home with my parents and my life is on standstill because I can't afford anything.

 

I have numerous DCA's not two

 

I have HSA, Moorcroft, Robinson Way (who are bas****), HFO, Blair Oliver and Scott, IQOR (Legal and Trade), Buchanan Clarke and Wells!!!!!!!!!!!

  • Haha 1

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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Well I can do all of that - I've got another thread with all the advice to do this but the debt still exists if they can be CCA'd - ok I should read the Finances control thing first!

 

It's such hassle why am I so stupid and how did I get into this mess - living at home and no rent - just overspending not knowing about Credit Ratings etc., and how easy it is to get a card - and not so easy to pay back.

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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The thing is I want it gone! I don't want to be paying creditors forever. I'm not married and what happens when I want a mortgage?? And at the moment I'm doing NOTHING about it - they're just there! Hanging over me!

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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You're all giving me amazing advice - I'm being negative but what if they are ALL enforceable by law? I could breakdown everything for you but it'll take ages. I will in a couple of days. I don't understand this CCA thing properly - I send them a letter and they send me an agreement and then what? I'm paying nothing to anyone at the moment and I don't know if they have already sent me CCAs!!!

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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Thank you darling, you can just pat yourself on the back for making a sad woman smile :)

Basically do the bloody lot and work from there??

 

Wonderful!

 

I've ignored this and my debt has been increasing every year since I was 21 and I am now 33.

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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So start from scratch - I don't need all the letters and stuff then? Start from Monday with a new file and a new start???

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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HAHAHAHAHA

 

Hi I'm Lorna and I too am an irresponsible lender!

 

I've got most of the old letters - some I've chucked but most of them - the ones for non payment of their agreement usually which has only been made by phone. I'll CCA all of them this week and see what happens and Goldlady - I'll need your help and anyone else who wants to listen and give me advice!

 

Thanks x

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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All this started because a company called HFO put the frighteners on me this morning - check out my other thread and PriorityOne and Rory have been amazingly helpful and so have you. Now instead of being scared of the b**stards I feel grateful that they made me take stock!

 

I was absolutely terrified!

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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If I can't remember which DCA is dealing with each debt or who they actually are can I phone the original creditor and ask them?

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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I know that I've had CCAs from my original creditor well at least a couple if not more. I thought it was the DCA I was applying for a CCA from? Oh I think I need to go to the CAB I'm getting a bit confused.

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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I am panicking - it's a ten year debt and I am fed up of being like this and not having money and moaning etc., and the phonecall about heavies did scare me. I am grateful for all the help, really. I am just praying that I can at least get rid of some of it because at the end of the day I've overspent - it's MY fault.

 

Thanks though, I will do the CCA thing.

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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For everything you've said I am more than grateful but I am of the argument now that at the time I could afford it. Mine main problem was consolidation after consolidation.

 

I went to Debt Free Direct for an IVA and then they hassled me. I got to the last stages of IVA and it was refused - TWICE.

 

I suppose what everyone is saying here is that it's "manage debt" rather than eradicate and I still feel really upset about it.

 

I'd be terrified, too. I am still scared these swines are going to come to my home. My father found a letter a couple of months ago about a £6k loan - that is the tip of the bloody iceberg - he'd go MENTAL if he knew the actual amount. He supports me and I have overspent and he thinks it's disgusting I am in that amount - what could I do if bully boys from HFO came round?

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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I sincerely hope so. I don't see an end - I see a solution immediately but I want it to be over but I suppose it took time to build the debts it'll take time to get rid of them.

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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I broke the credit agreement by not paying does that make a difference? I've broken the agreement in that case then haven't I? I didn't make regular payments on this particular account and haven't done since 2006

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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I'm probably getting on your nerves - if they CAN prove the debt what then? Can I still pay a minimum payment of say £5 to £10 to every creditor until my situation improves or whatever???

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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Well thank you even for piece of mind. It was the HFO people that have done this. I will take steps now.

 

I have loads though and it's embarrassing!

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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Thanks Shane - I'm Lorna btw.

 

I will do that tomorrow. I have a few so I'll have to go through them

 

Off the top of my head

 

Moorcroft x 2 - EGG

Robinson Way x 2 - Style Store Card + Halifax

HSA x 2 - HSBC

HFO!!!!!!!!! x 1 - Morgan Stanley

IQOR x 1 - Halifax

Buchanan Clark and Wells x 1 - Cahoot

Blair Oliver and Scott x 1 - Halifax

Westcott x 1 - Halifax

I also have a Northern Rock one and I can't remember the DCA

 

How AWFUL!!!!!!!!

 

I am mortified I've let things get so bad - I've been hiding!

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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I thought they were a solicitor obviously not!!!!!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/99122-buchanan-clark-wells-thames.html

I tried to negotiate with them and they wouldn't let me. All the people I've had trouble with are the ones demanding more than I can afford or a breakdown of outgoings which I don't HAVE to provide by law do I?

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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I'll set up threads for all of them Shane - you're a DARLING! Thanks so much again - BIG KISS X

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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My mother does know. It's my father that doesn't and he is old school and doesn't understand the extent of the debt but knows there's a problem.

 

You're not lecturing me but I have been in debt a long time and the only DCA to threaten me with a visit was HFO which made me take stock. They cannot come near my house - they're breaking the law if I inform them NOW as I am taking action to rectify the situation.

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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I already get hundreds of letters begging me for payment so I suppose they'll just increase!

 

I give out my mobile number not my home number so I can monitor the calls.

 

I'm just praying that doing the CCA thing will help because I read a thread earlier and my debt is after 2004 so I bet they will have the CCAs.

 

I still can't afford £50 a month to HFO with everything else I am paying at the moment.

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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So they DO call?!

 

Ok well I think I'll see Citizens Advice this week aswell

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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OK should I deal with like two at a time or something - I mean produce the letters and deal with it like that - it's a hell of a lot to take in!

 

I am positive or trying to be! I know there's success stories but my debt is PURE overspending and I've learnt the hard way!

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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But were you in the extent I am in? I have NO capital! No savings! Numerous dca's etc., like I feel like I have no way out at the moment and I think I'm a bit up the creek - even if I do get the CCA requests what then?

 

I have no real idea what I am doing!

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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Thanks Tomterm that makes me feel a bit better. I have failed two IVA's and I have no CCJs- yet! I've been threatened with them not had one and no petition for bankrupcy. If I can have as much help as you can give then I just need to know what I am doing through each step which will be this week and I can at least get started.

 

My parents are ok I am still wary of my dad because although he's supportive of me he doesn't support irresponsible lending because he works like a donkey and has a lot on his plate at the moment. I will tell him if I have to but I'd like to avoid - maybe my mother would - she's better at getting round him than I am!

 

Thanks for all your help

 

Once again Shane - cheers hun x

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

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