Jump to content


  • Tweets

  • Posts

    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
  • Recommended Topics

  • Our picks

    • 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 
      • 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
  • Recommended Topics

No Hoper


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5821 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi guys,

I am at my wits end. Rory you have ben a rock but I cant take any more of this pressure. Since my wife and I split I am unindated with demands from multilple creditors..all my fault. iI am drowning but do firmly believe they are all SB'd. Rory you have been a godsend. I feel I am cornered my debts total approx £40+ and i have no fight left. I have managed to side step them for the last 5+ years but my will is waining. I am thinking of sequestration, any thoughts would be appreciated.

 

Yours in anticipation,

 

John

Link to post
Share on other sites

John if the debts are statute barred then your obligation to pay them is legally extinguished. Can you list the creditors, types of accounts and the companies/DCA's that are currently pursuing you? You don't need to list the amounts.

 

This will help us formulate an action plan.

 

From what you have stated you really have no grounds for sequestration and no need to worry about the accounts. How are these people contacting you - is it telephone calls as well as letters?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Hi Rory,

I appreciate all your help and advice, but hey are mainly contacting me by letter. The main one are Mackenzie Hall who appear to have the info from the most ' valauble' accounts circa £28K. The rest comes in dribs and drabs from various others..Lowell finance, Connaught and others,.

 

I really cant take any more.

 

Sorry, John

Link to post
Share on other sites

Okay have you sent Mackenzie Hall the statute barred letter? And don't apologise - I know this is stressful but in reality these people are all bark and no bite. They have no legal powers full stop.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

I realise what you are saying , but i really cant go on, my life really sucks and I do appreciate all your help Rory but there comes a time when you have to draw a line under this nonsense. I have a good some tucked away with my brother in cash to leave my kids and that is all that matters, so thanks a bunch mate but my bed is made.

Link to post
Share on other sites

Rory,

 

Not contemplating anything daft just ****ed off with all the aggro and hassle. Will take on board any positive info.

Cheers

 

John

Link to post
Share on other sites

If you are really considering sequestration (you can now self sequestration for balance over £1500) and feeling this low then I think you need to actually speak to someone rather than do this through an internet site. I would suggest that you speak to National Debtline. Debts are not the end of the world and in your case they certainly should not be effecting you at all.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Not contemplating anything daft just ****ed off with all the aggro and hassle.

Good, I was getting worried about you. So have you sent Mucky Hall the statute barred letter yet.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Remember to send it recorded delivery. Keep us updated on how you are getting along.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Hi Rory,

 

Many thanks for the advice and help last night , much appreciated. Sent the letter to MH as suggested and will await the outcome with interest. Feel a lot more positive today, mainly due to your conscience and empathy.

 

Many thanks yet again

 

John

Link to post
Share on other sites

Glad you're feeling a lot more positive today. Remember it's for them to demonstrate that any debt exists. Any trouble you have with this please let us know and we'll help you.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

My heart really goes out to you, you hang on in there. Once you get that first company to bog off you will feel so much stronger, especially if it goddam mackenzie hall. The sense of empowerment when you know you can fight them and you know they are in the wrong will come.

 

Have seen so many people hounded by these companies, sick and tired of it, then I've seen these people send them packing and get a life back, you'll do it.

 

Good lucksmilie.gif

Edited by Dipply75
dodgy typing!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Rory,

 

Not contemplating anything daft just ****ed off with all the aggro and hassle. Will take on board any positive info.

Cheers

 

John

 

 

What a fright I got, I am glad you posted the above cause I was getting more worried with each post!

 

 

I know there's a lot to take in and when you are drowning you feel just like giving up. Been there, done it and wore many a t-shirt.

 

But once you start that ball rolling, as you have, the more confident you will feel. Start with the ones thats on at you the most.

 

and Yes I agree, Rory is a saint :grin:

 

 

idax

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hang on in there John! Chin up and be positive!

 

Although debt can cause major problems, isn't the end of the world.

Thanks

- Hobbie

 

--------------------------------------------------------

Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

Link to post
Share on other sites

  • 3 weeks later...

Hi Guys,

 

Sorry for the delay in replying, have had a hectic time of late. I really have appreciated all the support and it has made me more determined than ever to fight back. Have started the ball rolling with MacHall...no reply, what a surprise, and also Lowell Financial. All my debts are now SB'd and I have documented proof to support this, so I will sit tight and pick them off one by one.

 

Cheers people you have been an inspiration.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...