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    • Hi, Thanks a lot for your valuable advice and apologies for bit delay in providing some additional information as requested before. I was also looking at other threads to get some more knowledge so apologies if my questions have already been answered in some other threads and I have missed them. I would appreciate if you can guide to relevant thread to help navigate easily. If I opt to go down the route of availing BS option, I'd find it more convenient if I do it in parts i.e., applying with 2/3 creditors at a time. Is that even possible in my case? I understand that DN might be the best option for me but I am trying to avoid this route as much as I can. I am currently living in a rented property with wife and 3 kids and I am not how this is going to play out in future if we decide to move to some other area. How will DN impact my intention of getting house on mortgage (dream as of today) after 6 years? If I go for DN strainght away, do I have to do it for all debts? for example, can i leave one active credit card out of this DN? what can i do if I go for DN right now but my financial situation improves in 1-2 years due to better job or promotion etc.?  Here are the details of my debts. Let me know please if you have any questions. Regards, MM Overdraft Halifax - £2,500 Starling - £500 (I can settle this immediately to keep this account active as back-up for salary and other priority expenses like rent, council tax etc.)   Personal Loans - Outstanding Amounts - No defaults or missed payments Plata - approx. £27,000 BetterBorrow - £3,450 Zopa - £14,000 Reevo - £2,800 Updraft - £2,230   Credit Card - Balances - No defaults or missed payments except those noted Virgin - £6,100 (This card is suspended.) Halifax - £5,474 (This card is suspended.) Barclays - £5,400 (I am currently on a fixed monthly payment plan of £232 for almost a year now and missed last month's payment.) Aqua - £3,100 Fluid - £2,100  
    • A French election is driving down the value of French listed companies, analysts sayView the full article
    • They cannot send any claim forms, they are issued by Northants bulk.  Usual rubbish, and legally cannot be served by email unless you've specifically given Northants bulk permission to do.    Usual claptrap from TM.. See
    • OK but it's always best to scan up these letters you mention so We can decide proper actions/responce/use please scan them all to one mass pdf in date order.  Read upload use the online sites listed Dx
    • Instead of ridiculing them you could point out the embarrassment they will have in the papers if they persist in being in Court with a little old lady. it also won't look good for their landowners since negative comments afffect them too.
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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.

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      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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Shocked by Virgin Media Bill - advice needed


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Recently i joined up to receive Virgin media services. I took up their offer of a broadband/TV/Phone bundle for £28 per month. Consequently they messed up my TV service and didnt send out the promised wireless router, but this is not what i need help with.

I remember signing a Direct debit form with the guy that installed the services.

On 11th April they sent me a letter titled- 'confirmation of the set up of your direct debit instruction'

I then recieved a letter with no date on it confirming my request for a voicemail service (i never requested a voicemail service).

and then on the 3rd June a letter telling me there has been a problem debiting my account and that i owe them £54, and that my service would be restricted in 5 days.

I never received a bill at any point telling me what and when they would be taking out of my account.

So i rang them today to pay the £54, only to be told that it is now £108!!!!

The girl on the phone didnt seem to know why it was £108, but she did explain a proportion of it;-

£56 for the first two months bundle

£5 for not paying by direct debit

£10 Non payment charge

£10 direct debit rejection charge

and then £27 seemingly unaccounted for! (probably another month bundle but calculated incorrectly)

 

At this point i said thanks, and hung up the phone (i was so angry i was trying to avoid becoming confrontational)

 

What should i do next? If i dont pay the bill i will be cut off and we all sort of rely on the internet in my house.

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Was the direct debit rejected by your bank?

 

Lets address these in order:

 

- £56 - I assume you have no real argument about this one?

- £5 - This one could be argued til kingdom come, but IF we accept the charge as valid, I guess this comes down to whether it was your mistake or not that the DD didnt go on time

- £10 - non payment - same as above IMO

- £10 DD rejection. Well here they take the ****. No way on gods green earth would I be paying this - its duplicating the £10 non payment charge with a different name!

- £27 - well quite clearly they cant bill you what they cant account for.

 

I think this depends on the reason for the DD failing. Most I would be paying right now is £71 - thefirst three charges.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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I have no problem with the £56, thats what i signed up for.

 

£5 sounds a bit like they are taking the mickey, but there you go. I didnt know the DD was coming out because they didnt send me a bill. I mean i knew that at some point i would get a bill that would be debited out of my account, but i thought they had to notify you of this beforehand?

 

£10 non-payment. This makes me really cross. Apart from the fact i see it as a penalty, the same argument as above applies.

 

£10 DD rejection. I totally agree. This is just another way of getting an extra £10 out of me.

 

Im still fuming, but feel like ringing them up again for further clarification.

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I mean, I'm not touching at all on the whole "unfair penalty" thing, as like it or not this is still going to be a not-straightforward legal argument.

 

The £10 DD rejection and £27 unknown are straightforward rejections, as there is just no basis whatsoever for them.

 

My suggestion is to pay and reclaim. If it makes you feel any better, tell them that you are paying under duress - but it doesnt really make any difference.

 

Another possible is to send them a letter and cheque(for £56), stating that it is full and final settlement of the current balance on the account as of date xxxx. This is because you consider the late charges/nonpayment/DD rejection as unlawful, and the £27 has not been adequately shown to your satisfaction to be owed. Chances are that the greedy bu**ers will cash the cheque anyway.

 

If they cut you off, demand a refund for the time you have been cut off, as well as compensation for their breach of contact. At the end of the day(someone I'm sure will clarify the legality for me), I fail to see how you can be expected to be charged when you havent received a bill with a breakdown of costs.

 

They are taking the mickey on this one like. I would also advise not to bother dealing with them over the telephone.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Guest forgottenone

Good God, VM seem as bad as Orange Broadband. And anyone who knows OB ... knows how bad they are. So, saying that ... well, if we use OB as a measure for how apalling customer service levels are etc.

 

Incidentally, VM has just been purchased by an India based company ... So, whatever problems it has now ... are set to get hellishly worse. If not already.

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FO, I have had lengthy experiences with both VM and OB.....and VM are worse. I realise you might find that difficult to accept!!! :)

 

What is the company who have bought them?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Im sure i heard somewhere that Virgin media have to notify me as to when they are going to take a payment? Dont they have to give me ten days notice or something? isnt this part of the direct debit guarantee?

If this isnt the case, if they dont send me a bill (and remember this is the first bill from them), how would i know when the direct debit was going to come out of my account?

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Guest forgottenone

No, actually, don't find it hard to accept ... one bit. Funnily enough. Had hellishly similar difficulties with Tiscali ... couldn't wait to get rid of them. Unfortunately, I then went with Orange. Ooops! Seems we get severely short changed in the UK with companies. I imagine their workers don't have to phone half way round the world to sort out their accounts, however.

 

Don't know who has purchased them, briefly saw that a company from that country had purchased them. Oddly enough, precisely where quite a few other broaband providers already hang out. And I am now convinced they are not in different call centres but field calls from several different providers at once. Or so it seems.

 

Essentially, happy to continue taking your payments ... hell will freeze over when it comes offering you at least the most basic - and I MEAN basic here - customer service. They don't wanna know. Sorry for hijacking the thread.

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Incidentally, VM has just been purchased by an India based company ... So, whatever problems it has now ... are set to get hellishly worse. If not already.

 

 

Virgin Media hasn't been sold BUT Virgin Radio Has

 

 

LONDON - Scottish media group SMG has struck a long-awaited deal to sell Virgin Radio, agreeing to sell the station as a going concern, minus the Virgin brand, to Absolute Radio owner Times of India for £53.2m.

 

However, the sale price is less than a quarter of the £225m that SMG paid for the station in 2000.

 

The Indian media group has agreed to buy the station, but will not license the Virgin brand from Virgin Group. It plans to relaunch Virgin Radio under a new brand in the Autumn. Times of India has secured an option to license the Virgin brand name for £8m within two years of the deal's closing.

 

TIML will develop what it termed "a new music and entertainment brand", investing £15m in the new brand.

 

Times of India subsidiary TIML Golden Square will run the company via its Absolute Radio unit.

 

The sale means SMG has now sold most of its non-core assets and is free to concentrate on its Scottish TV business STV.

 

SMG plans to use the proceeds from the sale to cut debts and some cash will be returned directly to shareholders.

 

TIML chief executive A.P. Parigi said: "TIML is part of the largest media and entertainment organisation in India, with a proven track record of building powerhouse brands. Now is a great period to be entering the UK market and the opportunity to acquire a valuable radio asset couldn't have come at a better time."

 

Source:

 

Indian group buys Virgin Radio - Brand Republic Login - Brand Republic

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