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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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    • honeybee13
      HMRC seek repayment after Fast Tax Rebates Ltd take most of rebate

      By honeybee13 · Posted

      Hi Schipoo and thank you for the update.   Excellent news for you and a huge relief, I imagine. You might like to start a new thread about Independent Tax if you want advice on that problem. HB
    • Schipoo
      HMRC seek repayment after Fast Tax Rebates Ltd take most of rebate

      By Schipoo · Posted

      Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
    • dx100uk
      Motor Mart Ltd. returned Faulty Car Court Claim Issued

      By dx100uk · Posted

      we dont allow that sorry dx  
    • NewsBot
      Kenyans' tax burden and why President Ruto wants them to pay more

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      President Ruto says Kenyans pay less tax than citizens in some other African countries.View the full article
    • stu007
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By stu007 · Posted

      As PM Sunak really showed his true colours at the D Day Commemorations by doing what? Oh I am the British PM lets just leave early I have better things to do and as he is called out on disrespecting all those veterans that served our country for the freedoms we have today he gives a groveling apology to little to late. He knew about this event for a long time and also knew that this is probably the last D Day Commemoration due to the age of those Veterans who gave so much for there countries freedom. Even on the day of the D Day Commemoration he still could have changed his plans As PM and stayed but choose not to showing such DISRESPECT to those Veterans, those that lost there lives and Families for the Freedoms we have today Being a Veteran myself I have never known a PM to show such disrespect what the hell was he thinking SHAME ON YOU PM SUNAK  

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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.

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

Life after debt

Gopher1
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Gopher1

Gopher1

Posted
Posted

Hi all,

Last year was a terrible time for us, 70k in debt, court appearances, letters phone calls the works!

Now we are on top of it all:) after remortgaging to raise 50k to pay off most of our lovelly creditors! Have approx 5K of debt with 4 orignal creditors which is being paid monthly at no interest, this we can handle and plan to pay back asap before they start adding interest etc:sad: !

My question is, this has taught us a very big lesson and we plan never to have credit in any form other then a mortgage again, even when we are allowed it, may be in 5 yrs time:-x, but has anyone have suggestions who to keep this plan in action for the rest of our lives?

In other words this site has been so helpful in the past with advice support when people like us realise we need help with debt, is there a section on after people are clean? So we can share ideas etc, thanks for the support so far

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diskmandave

diskmandave

Posted
Posted

Have you CCA'd all of your creditors to ensure that they have the legal right to collect on their debts?

 

Debt evasion is one thing, and is frowned upon, but when a creditor does not have the legal right to collect a debt because of their own errors and/or mistakes this is another, and is your right to verify.

 

Best wishes, Dave.

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Gopher1

Gopher1

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Hi dave thanks, yes we have been down the CCA route etc and in a pervious post here in one of my threads i said then, to be honest we spent the money we borrowed no arguement, so we are/were reluctant but understood we owed this and went this route to settle regardless of weather the CCA's were legit etc, acted as a delay tool though which gave us more time to understand more and make our own plans of action etc, we went F&Fs and in end we saved 16K on orignal total of debt all our creditors were asking for,

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Gopher1

Gopher1

Posted
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Thanks surprise,

i do not intend to apply for any thing, not that i can with a shot to bits credit score:) i do have a cheque book but do not use as many places like big groceries store petrol garages etc do not except them any way. the one thing i do have trouble with is to budget for unexpected things like for car, house maintence that kind of thing, and i have a very small overdraft limit which i like but it feels i am very insercure with out a little more of a cushion?

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Gopher1

Gopher1

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Hi steven4064, weare in the pocess of claiming back from barclays on three accounts, in fact my dear overhalf as had a settlement on her account last year of 2K, my two accounts are suspended as i only just got in the claims before the court case last year that everyone is waiting on for verdict

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The GodMother

The GodMother

Posted
Posted

The court case starts monday.

 

Hope that helps.

 

Chrissi

  • Haha 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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The GodMother

The GodMother

Posted
Posted

well i would hate to guess but as some of the ppl who are claiming are doings so as they have been charged whilest on benefits which is illegal then l think it would hopefully go the way of the ppl who are claiming for the benefits.

 

The banks do have a good argument but so do the claimants.

 

I have managered to get charges back since the stay on cases as l told the bank they are illegally taking hte money off benefit money and they said they would give the money back as one off thing.

 

Yeah rite until next time and l will win again.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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tomterm8

tomterm8

Posted
Posted
Hi all,

 

In other words this site has been so helpful in the past with advice support when people like us realise we need help with debt, is there a section on after people are clean? So we can share ideas etc, thanks for the support so far

 

Hi, Gopher, nice that things are working out for you.

 

At the moment there isn't a section of the site like that, and adding such a section would make us a little more like moneysavingexpert.com than we are at present.

 

I was going to raise this with the bosses, but it seems Saintly_1 has beaten me to it.

 

Hope you had a nice new year;)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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