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    • @[email protected] Hi guys, redacted post from before. They've sent LbA and could use some help. Or if you like I'll take this down. I'd send messages but keep getting "not registered" page. Thanks
    • I was convicted of going 63 in a 50 on a road where there is Temporary Prohibition of Traffic various temporary speed limits.    it says that the " Once the court receives your information it will contact you to arrange for you to make your declaration over the telephone. Please note that this may be from a withheld number". Is this the part where I ask about the deal ? 
    • Hi I'm after some help with trying to get my wedding car hire deposit returned. I'll provide a bit of a chronological background to try and keep things clear. January 2020 - Began booking church, venue and other services for our Wedding for May 2021 - 100+ guest during the day, and 200+ on the night. Jan 2020 - Attended Wedding Car (WC herein). Booked and Paid deposit for 4 motors . Corona came along and we were in and out of lockdowns. Competitions and Markets Authority (CMA) brought out some guidance for Wedding Services 7 Sept 2020. In mid January, we got back in contact with WC via text, expressing our concerns over the wedding and Government imposed Public Health measures(we were currently in lockdown and no idea when things would return to normal), and that we were looking to move the wedding forward 1 year.    Feb 2020 - Emailed to cancel our Wedding date in  May 2021, after text had been sent and car guy replied asking for it to be sent via email. We asked if another date was available.    2020 - WC replied to say they could not fulfil our new date due to other commitments.    Feb 2020 - We replied that we would have to cancel our booking with WC, but would be in touch if dates changed again.    Feb 2021 - Government published Guidance (Roadmap out of Lockdown) - Stated, “Not before 17th May…Up to 30 people will be able to attend weddings…”. *Note again our wedding was for 100/200+ guests at the Stadium of Light, so not reasonable to have the same venue for 30 people.    2022 -  Called and spoke with car guy to see if they had any availability (any cars at all) for our date. He was driving and so couldn’t confirm.                         Exchanged some texts on the same day to which he replied in the evening, that they had nothing, but to keep in touch due to cancellations.    Jan 2022 - Started an email thread asking about deposits and their return. WC went straight on the defensive saying we wouldn't be getting it back and we should check the contract. We asked for a copy as we were not given a copy when we booked.    Jan 2022 - Emailed to ask for the return of our deposit. WC replied that since we cancelled within 4 months of the wedding date, they now wanted the remaining balance of several hundred quid, and we should check the contract. We asked for a copy of the contract again, and that we would seek legal advice.   WC replied with ever increasing sarcasm, saying we would receive notice demanding the remaining balance of £850 in the post. I replied that if they didn't supply a copy of the contract I would send them a SAR.    Jan 2022 - Sent a letter via Post and email, asking WC to reconsider their position. We stated we believe the contract to have terms that would be deemed unfair terms that were not clear; there is a ‘Significant imbalance’ concerned with the parties’ rights and obligations, which can be seen as disproportionate financial sanctions; their ‘Terms and Conditions’ appear to seek to remove the consumers rights, while removing their obligations, but allowing them to make an unjustified windfall gain.   We also stated that we believe the guidance and statements by the CMA, suggested that since the wedding we had planned couldn't go ahead (we'd be breaking the law with the numbers we wanted) on our planned date, and that a reasonable person wouldn't expect the wedding to go ahead when we cancelled the date, that we should receive a full refund as they were not out of pocket.   We gave WC 14 days to respond...it took them 6 hours.   Today they have sent my Mrs Letter before Action Any help much appreciated. The booking form has no Ts&Cs or costs of any kind, just addresses, personal info and the vehicles.
    • I'm looking to raise this with the Metropolitan Police.  From my understanding - They are trading under Beavers Cars Dealership, but they aren't a dealership and there is no company that is registered to them, that is legitimate. They forced me to make a Bank Transfer instead of a Credit card payment, when I asked them if I can pay via Credit Card.  They are selling vehicles that have potential flaws and not properly inspected, meaning that these vehicles before being sold can potentially be like mine non road worthy and illegally to be operated until fixed. This could cost people their lives if they continue to operate in this rogue like environment. I was unable to find any information on who runs this business, their names or anyone I would take to county court if they continue to refuse to answer me. That's all I got for now, is there anyway of obtaining who these people are, as they don't exist apart from Auto-Trader. (A complaint with auto-trader has been raised)
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i would have to get another morgage on the property and he would not agree to this, so i could not borrow the money to pay the creditors off even at 50% reduction

He is making life so difficult here, we live in 60 degrees as he wont turn the heating up, we have no food in the house, so we dont eat and he keeps sorting his money out when i am around, he has about 40k in the bank and keeps going on about his interest on his savings etc so making me very depressed.

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I would get professional advice on your finances asap Littleduck before you make any decision on what to do with your £60k

 

If you took your £60k and bought a little 2 bed house for about that amount and then went bankrupt you may be allowed to keep your new little house by the OR due to your child at home BUT you would need proper advice from a professional on that one.....just a thought

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Hi Littleduck :)

Thanks for the support, much appreciated. Listen to what advice you are getting on here - and I would make my first port of call to phone one of the national debtlines ASAP..or CAB and make an appointment. I can't advise on property as I am in rented accomodation. But Brent is right, you MUST contact one of these debtlines FIRST.

Try CCCS or CAB there are web addresses I think at the start of my threads from other more knowledgable caggers. Sequenci is very good with advice too, PM him and he will read your thread and give you solid advice, he has helped me in all of this. Good luck and I should be telling you off for highjacking my thread...lol...;)but I won't, glad my story has helped you though. Thanks again and take care.:D

Sugar x x x

 

P.S I did a lot of my stuff at work as like you couldn't afford the time off work.

Edited by Sugarbabe47
p.s
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Littleduck - found info for you,please take a good read.

 

National Debtline –Free,Confidential Debt Advice – Call 0808 808 4000

 

And Read The Insolvency Service Website

 

Good luck :)

Sugar x x

Edited by Sugarbabe47
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Thanks sugarbabe..I have found the cccs website and will fill in the forms tonight.i think on reflection brent is quite right in what they say, and i will ask the cc companies to take a payment in settlement..as i think he is going to come up with a solution to get me out of the house, and just maybe he will part with some of his money..lol

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  • 3 weeks later...

Hi all :D

UPDATE

Well it's over a month now that I was declared B/R. I have had a few letters - nothing major. Just advised them of my Bankrupcy and left it at that. I am still paying tax, but not too worried as I understand the Official Receivers are extremely busy ( Not suprised given the economic climate at the mo!)

 

I have had a WHOLE WEEK with NO post.....now that feels strange, even weird.....lol...but I do feel better for going ahead with my B/R.

However, I do wish that I listened to CAB years ago and went B/R then instead of trying to battle on and on, giving myself ill health and stress, but hey ho, hindsight is a wonderful thing.

 

To all those going through the B/R route and stressing out, please be kind to yourself and try to stay calm - if I can do this so can YOU!

I would like to take this opportunity to wish you ALL on here a very very

peaceful and happy Christmas and I hope 2009 is a better year for ALL.

 

Love - Luck - Laughter Always:D

 

Sugar x x x x:D

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Hi,

 

Just spent a good few hours reading through this thread. I got a letter from Do Debt this morning saying they wanted to declare me bankrupt for a debt they have bought over from Yes Car Credit. The account was opened in 2003, and they took the car back in Jan 05. this is teh 1st contact I have had from anyone since then. I have spoken to Go debt and they have offered a settlememt of £2k on the balance of £3.9k, but the want it by 31/12/08. there is not a cat in hells chance of me getting that sort of cash. The letter states that an OR would be appointed and my house sold.

 

I jointly own the house with my wife, and the mortgage and sec loan combined is £134k, with the house value at approx £127. I am very very stressed that I am going to loose my home. I spoke to someone from the national debt line and they advised me to send a CCA letter, which I have done.

 

Can anyone offer any further advice? When the car was taken back I asked the collection agent if i needed to do anything else. He said no, thats you done, all finished, sign here please.

 

How can they surface out of the blue like this after 4 years. also i asked Go debt if can could make an arrangement, the refused.. HELP !!!!

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Hi Jokerdisco :) and welcome.

Firstly thanks reading my thread.

Also may I suggest starting your own thread hun, then you will receive the proper answers that you are looking for. My case is different from yours as I do not own property, however my ex hubs did take out finance for a newish car in 2000? I told the company to take the car back and I could not afford the payments. They hounded me for years with threats, but as I do not have property they didn't threaten me with Bankrupcy! I included this company in my own B/R, just so no other debt collection company can chase me for it years down the line. Sorry I cannot assist anymore but if you start your own thread then someone with more knowledge on the subject will pop in and help you. Keep calm and try not to worry - easy for me to say I know, but I have been to hell and back with financial pressures (to the point of suicidal!).

Take care and take care of each other.

Sugar x x :D

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