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    • Replying to above  this was on the day that two store detectives approached me and my friend and took us into the back room and spoke to us when they explained they have been watching
    • as my learned friend above...and.. sadly because just like DCA's and initially yourself in this case, you believed they have some magical powers ...they DON'T. 85% of people blindly pay DCA's cause they know no better and think they are BAILIFFS. only the RETAILER can ever do court and none have done this on a silly member of joe public that did something stupid since the infamous 2012 Oxford case on retail loss. BAILIFFS can only ever be involved after you've been to court and lost a CCJ, fat chance re above... and anyway, no BAILIFF has any right of forced entry anyway on consumer debts even with a judgement so......... stop panicking and thinking everything that doesn't apply.. forget about them but p'haps a confidential GP visit might be a very good move... what slightly concerns me more here is:  who are 'them' that told you they'd reviewed a week of CCTV and come up with several shoplifting instances over that time amounting to the above? have you directly contacted or had contact from Sainsbury's? and know they HAVE done this? or is this DWF willy waving and they tricked you into  admitting several previous successful thefts... this is not the norm...  dx      
    • next step then await the N157 from her local court giving the time and date of a future hearing some month in the future. now she MUST file a witness statement 14 days (typically) to both the court and kearns .  so cant allow to much of a time lag before you are aware of that and get her WS done. wack us up 2 multipage pdf files please  one of what they returned for the CRP reply . and one for everything they sent back in 2022 you've found.  we do not need statements. ideally it would be nice to see their WS before hers is finally filed. dx  
    • Another interesting article in the Grauniad - Counterfeit barcode stamps furore carries echoes of Horizon scandal | Consumer affairs | The Guardian WWW.THEGUARDIAN.COM Royal Mail admits its scanners ‘make mistakes’ but stands by the process it uses to detect fakes as ‘robust’  
    • DWF can't do anything as they act for a client. In this case, Sainsbury's. Sainsbury's could take you to court and ATTEMPT to get a CCJ but it's unlikely. They had no interest in dealing with you at the time. All DWF can do is send out pointless threatograms. They'll threaten to divert an Iranian drone to your house if you don't pay. However, they can't attempt to get a CCJ against you. IGNORE THEM. It's more important now to understand why you were allegedly shoplifting, and you should speak with your GP and try and get yourself signposted to the support that's available.
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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 
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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.
      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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Hello all, i have been in arrears with my ge money (formerly i group) mortgage from day 1 (3 years ago) and have finally given up and decided to sell and move to rented accommodation. GE have indicated that they may be willing to accept a redemption payment in full and final settlement of less than the amount owed. I have to obviously provide details of costs etc and send them an offer in writing. Has anyone out there done this before and what percentage did you offer?

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Hi there. Let me just say a huuuge welcome to CAG. There are so many friendly people on here ready and willing to help you.

 

Good luck :D

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Hi Jaz1. Let me say a huuuge welcome to you too. When you are ready, start your own thread (if you need help finding out where to start it, or just need help in actually sttaring one, just shout). Read up on all the facts and as many threads as poss. (Yes it does get a bit addictive after a while :D )

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Did they say this to you in writing or on the phone??? What costs are they asking you to detail? Did they charge you any fees for being in arrears?

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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It was their collections guys who said they 'may' consider this based on the evidence I can supply and the offer I have from a buyer. They wanted everything from solicitors and estate agents fees to moving fees. My original mortgage was for 144,000, and after late payment charges (every month for 3 years) and my six month interest early repayment penalty my redemption figure is 157,000. I was going to supply the info they require and offer the original 144,000. Do you think this is an unreasonable starting point? I forgot to add that i'm on a variable rate interest only mortgage, and my monthly repayment has gone up from 980 to 1250 a month in the time i've had the mortgage

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You are posting :D . To start your own thread all you need to do is go to the forum where you want your own thread to be and then find the "new thread" button. Click on it, call it what you like (nothing rude and no swearing please) and voila you have your own thread where you can ask away. The new thread button looks like the one below . You can find it just obove the announcements for that particular forum on the left hand side.

 

 

newthread.gif

 

(Don't click on this one though unless you want to start a thread in this forum)

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[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Have you got a buyer yet? I'm not quite sure as to what to advise. I think you really need to do some sums and then work out a reasonable offer. Try and calculate it on the basis of what money will be left over once the property has been sold. eg Sale of house = £? less all the fees for selling. If you have had the property for 3 years, you hopefully would of paid off some of the original mortgage. Were you tied into a term with them eg you had to stay with them for 5 years. If poss try and find the original mortgage application and check their figure for early redemption.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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I've got to pop off for a while, but will check back a bit later. Hopefully someone else can advise as well whilst I'm off.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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okey doke....the mortgage is interest only so nothing has come off the original amount, in fact we are having to accept an offer for 5000 less than we paid for it due to the horrendous drop in house prices in our area. We have a firm offer of 165,000 (survey done etc). The sticking point is I have second charges applied by the courts for a loan and credit card debt on the property which unless I can pay will apparently stop me from selling at all (worth 24,000), If I can negotiate with everyone concerned I may manage to drag myself out of the mire, but i'm not confident. Will any remaining debt become unsecured?

 

My mortgage provider also uses the interest rate now to calculate my early redemption penalty which makes it 1200 higher than if i'd changed provider immediately upon taking the mortgage out...bummer

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Under the possession order you can go back to the court application fee is £30.00 and ask the Judge for an order allowing you to sell . The Judge has to look as to what is best you can then issue a secion 9 application to have your Mortgage company account for all the money they have taken from you once the house is sold. is is a short cut to mmaking them account for all the charges they applied

Bona

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What usually happens when you sell a property with more than one charge on it is - first off the mortgage gets paid and then the remaining money is used to pay off the other charges in the order they were placed on your property.

 

What Bona has said makes sense ( although I will have to go and do a bit of research as to what section 9 actually is)

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Section 9 is a little used application where you can apply for the otherside to address a situation it can only be used where there are proceedings you issue ther application they then have to then reply with in a time it is quiet compicated and I am in the procses of using it but you get a hearing much sooner thanif you issue a summons I got advice to use it but I cant untill we have the outcome of our costs hearing on Friday then we will issue the aplication for the morgtgae company to account for every penny they took on completeon when we sold our property the mortgage comapny then has give an account to the court of evry penny that they have taken and why they are also restricted in what they can do or cant do which from my research is to my benifit

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I'm not in a position where a posession order has been applied for (not yet anyway) I'm selling to try and make a fresh start and get some quality of life back. Will the second charges stop me selling if I can't negotiate away the negative equity they will cause?

 

Thanks for your previous comments by the way :)

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Morning All, i am yet another newbie, i am also hooked i have read some valuable information, and probably learned more than i did at school. Thank you x

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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2 threads merged.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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