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    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
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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 
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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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£80 penalty for not re-licensing


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Hi Guys,

 

Did a search on this topic and found the message board. I've read some other posts on this matter, but wanted some help and advice before responding to those wasters at the DVLA.

 

I received a letter stating that I did not declare my vehicle as SORN and despite previous correspondence, I am now liable for an £80 fine.

Firstly, this is the first time I have had any correspondence from DVLA.

I part exchanged the car in September (to a car dealer) and registered my new car. I took the tax disc off the old car and got a refund from DVLA for the remaining months.

I went through my paperwork and what seems to have happened is that the garage took my complete log book, and gave me the complete log book for my new car. This means that I didn't send anything off to DVLA for my old car (other than my tax refund application) - or at least I think that is what has happened! I can't really remember since it was nearly 6 months ago!!!

The reason I believe this is what has happened is that I have a copy of the original complete log book for my new car, and reading through the notes, I should only have been given a tear off slip as a new keeper.

 

I phoned DVLA and have just discovered that I am STILL the registered keeper of my old car!!!

 

Anyway, I am now being threatened with debt recovery and all that, but before forming a response, I would be grateful for any advice.

 

Thanks

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I am not an expert in this but I thought that it would be your responsibility to declare to the DVLA that you have sold the vehicle, edit, upon checking, it is your responsibility to fill out the relevant section of the form, you can see it here Legal obligations of drivers and keepers of vehicles : Directgov - Motoring

 

I am afraid, in this instance that you will be probably deemed liable and you have failed to do this. Perhaps it might be an idea to go back to the trader and collect the bit of the V5 that you should have completed.

 

Sorry it couldnt be better news.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Hi Guys,

 

Did a search on this topic and found the message board. I've read some other posts on this matter, but wanted some help and advice before responding to those wasters at the DVLA.

 

I received a letter stating that I did not declare my vehicle as SORN and despite previous correspondence, I am now liable for an £80 fine.

Firstly, this is the first time I have had any correspondence from DVLA.

I part exchanged the car in September (to a car dealer) and registered my new car. I took the tax disc off the old car and got a refund from DVLA for the remaining months.

I went through my paperwork and what seems to have happened is that the garage took my complete log book, and gave me the complete log book for my new car. This means that I didn't send anything off to DVLA for my old car (other than my tax refund application) - or at least I think that is what has happened! I can't really remember since it was nearly 6 months ago!!!

The reason I believe this is what has happened is that I have a copy of the original complete log book for my new car, and reading through the notes, I should only have been given a tear off slip as a new keeper.

 

I phoned DVLA and have just discovered that I am STILL the registered keeper of my old car!!!

 

Anyway, I am now being threatened with debt recovery and all that, but before forming a response, I would be grateful for any advice.

 

Thanks

 

First thing, get on to DVLA and ask them to supply you with a copy of the Tax Refund form that you sent in. At the bottom of the form is a box that you should tick to declare the vehicle off road. If you ticked it you are home and dry. I have had this a few times and when I have asked them for a copy of the form they have caved in.

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Hi gwc1000,

 

I just called the DVLA and asked about the tax refund form. They said that there isn't anything on the form stating that I have traded the vehicle in or that it has been transferred.

She says that it is purely a form to get a refund from the tax.

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Hi gwc1000,

 

I just called the DVLA and asked about the tax refund form. They said that there isn't anything on the form stating that I have traded the vehicle in or that it has been transferred.

She says that it is purely a form to get a refund from the tax.

 

Yes that is true, but the fine is for not declaring SORN, not for failing to inform a change of ownership, which is a separate matter. On the Refund Form there is a box at the bottom that you are meant to tick declaring that as you have removed the tax disc from the vehicle the vehicle is no longer on the road. This is a SORN declaration. Insist to the DVLA that you require a copy of your refund application as you are sure that you ticked the box to declare SORN and you are not liable for any "fine". They WILL provide you with a copy. In the meantime fill out the part of the V5 that you use to inform the DVLA of a transfer to the Motor Trade, putting the dealer's name and address on it and give the date of transfer as the date he had the car.

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