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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      By unclebulgaria67 · Posted

      Agree it is not a modification that needs to be disclosed to Insurers as changing the seats has not changed the risk.  
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      By Crazy Lou · Posted

      Please please help we were miss sold full fibre by EE July 22  Install couldn’t go ahead no equipment sent and no. Survey it was hell  foind out no full fibre in road so we had to go back to cooper no choice we involved. Ceo and they put in a man from customer resolution s  he was vile he told me I had to go to engineers  something very odd about the ex resolution s in bt basically they took my drive up said they Would put ducting in ready for full fibre we have got £ 40 for a hours upon hours phones stress and more told to go to ombudsman  then bill was £35 we called twice told it was that price as they had treated us appalling two weeks later all sky package gets pulled we call again our bill goes to 165 the next two weeks was hell trying to get yo bottom why it’s off our package it was all on in the end I spent a day on the phone  341 mins was the call anyway I got to the bottom it was this resolution man coveting up the other issue another deadlock  to cover it all up  they hide data  ee did so couldn’t get the miss sell in writing I have now only from sept  Basically now we tried getting full fibre and they have found my drive had to be taken up again which has sunk .  The engineer has placed the wrong ducting again under my drive and need s to be taken to again apparently and the pipe sticks up middle of the drive near gate not behind look so odd it’s a big as a drain pipe open to water and it’s below touching the electrical cables to hot tub . I was sent a letter from the ex resolution to say I had stopped the work  I haven’t  it’s so sadistic she covering up for her mate in that team as the orginal install he didn’t check it had been done correctly  I took to Twitter and posted on open reach they ignored me then after 3 calls of two weeks they sent a engineer bt ignored me ceo emails blocked tag on Twitter unanswered then we get someone from twitter send a engineer he written report to say it’s dangerous since we have  had a  letter to say our problem can not be resolved  then a email to say sorry we are leaving and we can’t get into our account Bt will not talk to us ofcom tells us nothing they can do Citzens advice said go to the police  we can’t go back to virgin due so mass issue with them only option is sky  but point is they make out we have canceled we haven’t we have this mess on our drive dangeous work we are in hell  it’s like she covering up for this collegue it’s all very odd I am disabled and they like played mentaly with me open reach say bt resolved the issue no they have not  I recon they have terminated us making our we have  to hide it from mgt  Help it’s hell I don’t sleep we have 29 may we have tried  calling they just ignore me  at first they are so lovely as they say I am then they go to nnamager and say we can’t say anything to you end call  Scared police are rubbish I need help even typing is so painfull  Thankyou  anyone hello be so grateful     
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      There's a thread somewhere about someone sending the baillifs against Wizzair that is quite hilarious. I would love to see someone do the same to Ryanair. Question is, should you be the one to take that role. You are entitled to the £220, if your flight was from the UK. If it was TO the UK I suppose it is more of a grey area... though the airlines I know have been using £220 as standard. Not that surprising for Ryanair, the worst cheapskates in the universe, to go for the lower amount, and if you forward this to the CEO he will probably have a jolly good laugh and give his accountants a verbal bonus. After all he's the one who said and I paraphrase "F*** our customers, they'll fly with us again anyway". While we would all love to see Ryanair get wooped in court again, I have to join my fellow posters in thinking it's not worth the hassle for (hypothetically) £7 and not sure it will expedite the payment either. It's already an achievement that you got them to accept to pay.
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Help please with CCJ

atype

By atype
in Financial Legal Issues

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atype

atype

Posted
Posted

Could somebody please help me with regards to 2 ccj's I have received. To give a brief outline I have been ona DMP with CCCS for about 3 years now. I have fallen behind with payments due to being made unemployed. I have not made any payments for about 5 months having made the old mistake of burying my head in the sand.

Today I received 2 CCJ's from C & L Finance for an outstanding loan from HSBC for 2267.78 and 1159.46 which relates to an overdrawn current account.

My question is after only finding this excellent site about a week ago how do I deal with these CCJ's.

If I admit to the claim will this effect any CCA request to C&L Finance and a possible claim on charges made to my current account? After studying the forums for the past week, I am getting confused and cannot see the wood for the trees. Any help would be greatly appreciated.

Thank you

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Penfold92

Penfold92

Posted
Posted
Could somebody please help me with regards to 2 ccj's I have received. To give a brief outline I have been ona DMP with CCCS for about 3 years now. I have fallen behind with payments due to being made unemployed. I have not made any payments for about 5 months having made the old mistake of burying my head in the sand.

Today I received 2 CCJ's from C & L Finance for an outstanding loan from HSBC for 2267.78 and 1159.46 which relates to an overdrawn current account.

My question is after only finding this excellent site about a week ago how do I deal with these CCJ's.

If I admit to the claim will this effect any CCA request to C&L Finance and a possible claim on charges made to my current account? After studying the forums for the past week, I am getting confused and cannot see the wood for the trees. Any help would be greatly appreciated.

Thank you

 

Hi Atype,

 

Ok firstly have you recieved the N1 claim form or ignored everything and actually got a CCJ? In other words are you being taken to court OR have you been taken already? This is very important...As soon as you reply I will post some options for you,

 

Penfold

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Edz11

Edz11

Posted
Posted

Agreed - this may be the start of the process rather than the end of it. If its the start it will read "claim form" at teh top left and "n1" bottom left hand corner. And - is the address of the Court "county court bulk centre"?

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html
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Penfold92

Penfold92

Posted
Posted

OK AType,

 

Read: http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

 

and then call the Court first thing tomorrow morning to find out if you can still acknowledge and file a defence. The thread explains how to move the hearign after all you want easy access to the Court so that is also important.

 

See how you go tomorrow and post up here mate, you may just be ok....

 

Penfold

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Penfold92

Penfold92

Posted
Posted

No problems that covers the bases when they are taking you to court...hopefully as I said you are not too late and can jump in. Remember even if you are late you may still be able to deal with this if the claimant is not quick off the mark...

 

So basically follow the info there and you should be fine remember:

 

Now, to conclude the advice, your immediate actions (in order) should be

 

1. Call the court, and find out the date acknowledgement of service and defence are due

 

2. Make sure you acknowledge service... you can do at the MCOL site (Money claim online). I would suggest selecting that you will defend the entire claim, and not submitting a defence / counter claim yet.

 

3. Check that the credit request letter was received and signed for; if not send it special delivery.

 

4. Send the letter in the last post, special delivery.

 

From now on, the rule is that you TYPE and don’t write any signature and that you send all letters special delivery (unless otherwise stated).

 

Ask the Court what format they want the acknowledgement of service and the fact you will be defending the claim combined with how to extend the time to defend. As long as this is going to be ok fire out the letter to the claimant regarding supplying you with ALL the info...

 

Then post up here and we will help you through it mate...

 

Penfold

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atype

atype

Posted
  • Author
Posted

This may be a possibility - by my calculations I am 20 days over the 28 day period for making a defence. There are 2 debts, 1 is for an outstanding loan and 1 is for a current account which is overdrawn. The loan was taken out approx. 7 years ago and I have had the current account approx. 8 years. I do not recall signing any documents, but I could be wrong. I can just about raise the £75 for each CCJ to have it set aside for my defence. Would I be correct in saying that I should send a CCA and an S.A.R. off as soon as possible to C&L Finance?

Thanks, Atype

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Penfold92

Penfold92

Posted
Posted

Hi Atype,

 

No there is no point doing that here. What I would do is get down to CAB ASAP and talk to their sols about the chances of getting the Judgment set aside to present a defence...That is the first question, then if they say you may be able to to do that then start the stuff in post 7 off and explain tot he court that you are awaiting information from the claimant regarding the cases...The question is whether it is worth paying the £75 X 2...I cannot advise you on that, but CAB will be able to...you may just still have a chance here.

 

Penfold

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