Jump to content


  • Tweets

  • Posts

    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Tilly Is Going Bankrupt (here we go again )


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5385 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

I will get sorted in time im sure,

 

That you will. For sure.

 

From what i see, you have no need to rush. Times they are a changing.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

Link to post
Share on other sites

  • Replies 276
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Tilly babe

 

If you have thought about IVA heres how to figure out how mush they would want a month

 

Take debt say £100k

 

divide by 4 = £25

 

add 6k costs = £32

 

divide by 60 months = £ 533

 

if however you got as mush money as me you vsn either pay them a pound till they die or go crupted :)

 

good luck :)

Link to post
Share on other sites

I wonder if this might be a suitable alternative to bankruptcy for you Tilly. Depends on the amount of the shortfall and your income I guess. National Debtline England & Wales | Debt Advice | Factsheet 37 Debt Relief Orders

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

I thought that may be the case. Back to the drawing board then.:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • 2 weeks later...

Tilly not making light of it and i know you are a good sport- believe your shortfall was a beuty as was mine-debt relief orders -mmm 15k would take a lifetime to get down to that level.So until sugar daddy with yacht toodles along maybe take a chance on euromillions tonight-believe it is 100 million plus.Worth a try and who knows you could be sailing off into sunset on your own yacht.Naturally you would want some crew and i would volunteer-and maybe a few others would -no doubt a few will let you know.Please exscuse me if this post has bugged you but nothing wrong with being a dreamer in these difficult times.Allways enjoy your posts keep your spirit up-Tawnyowl.

  • Haha 1
Link to post
Share on other sites

Tawny your post didn't bug me, it made me chuckle :p but your right it would take a lifetime :eek: missed the euromillions :confused: i finks i missed the boat on the sugar daddy front pmsl :D more like a rubber dinghy :p take care.

 

 

 

Tilly

Link to post
Share on other sites

  • 1 month later...

Okay peeps decision made, for now im putting bankruptsy on hold, im making the most enjoying the stress free factor at mo, maybe sometime in the future you may see this thread pop up again, but if not thankyou to everyone that has posted here :)

 

 

 

 

Tilly x

Link to post
Share on other sites

Thanks for dropping bye Tawny:) and thankooo for the choon :D yep maybe this thread pop up again out of the blue we will see, and thankyou for being a good friend:)

 

 

 

 

Tilly x

Link to post
Share on other sites

Unfortunately, the past will probably rear its ugly head at some stage. The Mortgage co are likely to try and recover their losses. It might be 1 year from now, it might be 5, who knows.

All i can advise at this stage is that you get on with your life as best you can, and live for today.

 

Money is nothing without the love of your family and friends.

 

Who knows what tomorrow will bring.

Deal with it when you have to. In the meantime, enjoy.

Link to post
Share on other sites

Couldn't agree more DG.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Yes,the shortfall-12 years to chase.Mine was slipped into my credit report without telling me the house had been sold or what price obtained.Remember some people may be in new houses,new relationships,imagine that landing on the mat in several years time.Could cause upset and a few arguments.If anyone wants a credit report,pm me and i will give you a link to a report site that doesnt need credit card details or anything like that.If its allowed i will post it onsite.I am allready reading about things like that happening.Some may think they wont find you-mmm they have special teams.Its a lot of potencial income for them.Bye for now Tawnyowl.

Link to post
Share on other sites

Hiya DG and Tawny

 

Yep i know eventually they will catch up with me and bite me on the ass wanting there last six penneth of blood :mad:

 

I am doing exactley as you said DG living for today and enjoying being back to normal :rolleyes:

as i said before i may have no choice to go BR but again will deal with that if and when it happens.

 

The same as you Tawny was never told house had been sold, i only found out because i went into estate agents.

 

and yep deffo family and good friends are way up there on the top of my list :)

 

 

cheers guys

 

Tilly xx

 

 

 

 

Link to post
Share on other sites

Hiya Tills:) glad to hear you're enjoying life these days - stay positive hun

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

  • 4 weeks later...

What are they asking for Tilly?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

Hi Tills, remember you are entitled to see documentary evidence that they have marketed and sold your property with your best interests in mind.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Hi Tills, remember you are entitled to see documentary evidence that they have marketed and sold your property with your best interests in mind.

 

Hi Ell

 

Spent all afternoon going through all paperwork till im bug eyed :eek:

Have all the valuations i had done,which started of at £185.00 till they got

their hands on it and dropped to £123,000 :mad:.

 

I still could be forced to go BR, as far as i know ex has recieved no letter, for all i

know he has already gone BR, so like i said a lot of thought and decisions to be made.

To be honest my head all over the shop at mo:confused:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...