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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
        • 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
        • Like

Kensington want to evict us again !!!


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20 is quite an achievement - my poor old puddy tat died 2 weeks ago aged 16 - I was devastated :( he was my good friend...... I could tell him anything and he didn't gossip :D

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awww Ellen that is horrible, I am dreading the day when we "loose" Lulu and I know that it is coming sooner rather than later, this is the cat that I have had longer than the kids or Mr Lula, she is the cat that knows when i am upset and comes to sit with me and this is also the cat that, when The present Mr Lula and I first went away together, we got back and she did her usual trick of scooching under the quilt to sleep, in the morning she lifted her tail and "marked" him as hers. He was then accepted into the family ;-):D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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i know the feeling with cats thy dont tell anyone do they. mine has the christmas prezzie list of my oh

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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You are all a bucnch of softies at heart really. Bless.

I am more of a dog peson. We always had a dog when I was growing up. One in particular will always stay in my heart as he had to listen to all my teenage problems. I do miss having a dog around. We can't have one as my daughter is allergic to them

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I had a golden retriever for 14 years and she was an angel. I was heartbroken for a year after she died, and swore I'd never have another animal to get upset about, then up popped a little white kitten, and I couldn't refuse to have him, he was brilliant.

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we have 2 dogs and a cat.

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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wow horse would love but no where to put them

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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Questions are being asked on Tawnys thread at the mo,http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/127712-mortgage-arrears-kensington-nervous.html

 

These comments, questions and links have all got me thinking. I have not yet had a reply from my compensation letter. Would this mean that if they are now skint and no longer owned by themselves i.e nationalised,I loose this. We were saying on Twanys thread that KMC can no longer repo anybody as they are presumably nationalised now. Saying that on one of the links KMC are not even sure who owns them.

 

:confused::confused:me now very confused

 

olives xx

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Olives i dont understand this nationalisations stuff but i will try and find out the situation

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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  • 2 weeks later...

Feeling very bewildered at the mo. I paid my mortage tghis week online as usual, and as much as I hate calling them(they still make me feel physically sick)i decided to call to say that I have paid. Now I am still paying 2 weeks late as I have not go the money to catch up. To my amazement hey reckon all i need to pay is anouther £100 by the end of this month and I am all up to date. Next payment is not due until the end of November then. For some reason my account has been updated this morning. WHAT ARE THEY DOING!!!. They are still admittedly looking into my complaint so maybe they have agreed to some of the compensation and paid it on my account. I really do not know what is going on.

 

olives xx

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How much did you think you owed?

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Well at the moment nothing as I paid the last months mortgage, but on the 31st of October I was expecting to need to pay £950 (monthly instalment+arrears)but I would have paid this on the 15th of November. The lady i spoke to said that would have been the case but somebody this morning has changed it. Basicly a whole month has been paid without the arrears payment so i just need to pay that.

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Sorry, I mean how much did you think the arrears were? (wondering if they have paid compensation to your account!)

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and they now say you only owe £100? if the info they gave you is correct then that's a helluva win :D

 

Sit back and wait for a letter.............. Oh I do hope it's true for you hun:)

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No sorry i dont think I expalined.

 

I am just talking about monthly payments. Blimey wish they had paid £6000.

 

I am supposed to pay 950 on the last day of the month. £850 is monthly payment then £100 towards arrears.

 

Now because hubby lost his train pass in summer we were paying 2 weeks late on the 15th of each month.

 

I have just paid Septembers payment the other day. I phoned up KMC to ensure they have received it and if not it is on its way(it can 4 days to go tghroiugh the sysytem) This when the lady tells me that the payments will make £850 in credit so all I need to pay on the 3oth Oct is £100 and then £950 on 30th November.

 

So some how I am no .longer paying behind. If I make a payment on November 15th i will infact be paying early.

 

Some how a months payment has been paid?

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Ah, right - I thought it sounded too good to be true :(, maybe that month's payment is your compensation?

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