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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • 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 
        • 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
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Not sure if this is where I should post

 

Very, very long story, but I'll try to keep it as short as I can

 

In 2005 my Mum died, it hit me really bad, and I did some stupid things like take out loans and Credit Cards I couldn't afford.

 

In 2006 was taken to court over one loan, CCJ and payments set, paid two payments, then managed to sell my house. Enough equity to pay debts off, but as my User ID suggests Stupid!! didn't do that, instead brought another house for cash, and changed my name. Didn't hide name change was shown on Equifax and Experian, but anything that came through in my old name I returned as not at this address, see head firmly embedded all the way through to the Sahara!

 

A short while ago, an HCEO turned up at my house looking for me, I panicked and said Nope, not here, and off he went, see I just don't learn!!!

 

Anyway, after two years off hiding, and dreading the postman, I've had enough. OH telling me to sell and run, but I've had enough of running, and feeling sick all the time, time to face everything

 

Ok, so question is, what do I do now?

 

Know the HCEO is going to be back, have read on here not to let him in, but I know I'm going to lose my car as I nowhere to hide it, without letting all the neighbours know what is going on, I'm getting brave but not that brave!!

 

What is likely to happen, Know that if Balliff can't get in it them goes back to court, am I then looking at a charging order, forced to sell, or bankruptcy. The only asset I have is my house, which is enough to clear all debts, but then my kids will have nowhere to live. Not concerned about me, just don't want them to suffer for my stupidity. I know I have to pay these debts back, and I want to, just scared off the unknown

 

I know this is all my own doing, and I am truly sorry, but please could you help me, because at the moment the light at the end of the tunnel seems to be an oncoming train

 

Thank you

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Hi, I am too new on here to offer any advice, however I do know no-one will judge you for what has happened.

 

Dont panic and I am sure someone more knowledgable will be along very soon to help !:)

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Hi Cosalt,

 

Thanks for that, was a bit worried about being judged, but at the end of the day, I've done a lot of bad things, so wouldn't be undeserved

 

Can't stop the panicking though

 

Anyone please :?

 

Sorry if I'm being impatient, but I really want to get this over and done with :( I know I've made mistakes, I would just like some help/advice on how to try and sort this out

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Hi, Please dont keep putting yourself down, I dont think anyone on here is going to judge you, we all have enough of our own problems, so try to stay positive. First of all, what is (HCEO). Is this a debt collector and is it the car debt he is chasing and is the car on Hire Purchase? Please try and give more info about who your creditors are. Before revealing all to your creditors, remember there is a six year limitation rule which means that they are unenforceable if you have not admitted to the debt within the six years of the default of the debt. When we have more info, perhaps we can suggest a way forward.

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No one here will judge you stupidlincs, we have all been there and this forum is littered with the t-shirts!

 

The swing lid "filing cabinet" in my kitchen recieved most of my letters until I became a member of this forum. It is a story that a lot of us have experienced.

 

More members will be along soon with some more appropriate information/advice when you have given more information as suggested by joblogs.

 

MONX

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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HCEO is a High Court Enforcement Officer, there is no debt secured on the car, but they can take it towards the debt

 

CCJ awarded in 2006 so definitely not Statute barred

 

What information do you need? Obviously not going to let the HCEO in, so when it goes back to court what happens next is my main worry

 

Thank you

 

Well, I tried

 

Thank you to those of you that have replied, Sorry if I haven't given enough info, but I don't know what to do

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Hi, please dont give up, we are here to help you. Can you tell me what debt the HCEO is chasing you for, has it been to Court and do you have a CCJ for that debt? I understand from your previous post that it is not the CCJ you obtained via default. About your car, what is the value of it and I presume it is registered in your name. The registered keeper on the log book is not necessarily the legal owner. Also, are you on the electoral register?

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Hi Joe, Thank you for replying :)

 

HCEO is chasing debt, CCJ obtained by default, as kept ignoring letters

Debt is to Screwfix, on CCJ it had "my name" and then trading as "my name", but I was never a business, just opened a self build account for a renovation I was doing

 

Book value of car is abt £1200, it's registered in my new name, not the name the debt is registered in. There is no HP on her, I am on the electoral roll in my new name, not the old one which has all the debts against it, it's all very confusing

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I just want to get this straight in my head. HCEO is chasing a debt, has it been to Court as I thought the CCJ you mentioned earlier was not connected with HCEO or is it the same debt. Please just clarify this for me. Also how much is the debt for.

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The debt that is being chased by the HCEO is the one that went to court and CCJ obtained by default, sorry for the confusion

 

Original credit limit was £750, but I dread to think about how much it is now, can't tell you, as I never opened the letters, so I don't even know which court it was done at, D'oh!

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Well you have a choice here. You can either hold your hands up and try to come to some sort of payment arrangement with the Court, however, this may 'wake' up your other creditors. Also as you are on the electoral register your new name will be linked with your old name on your Credit File. Or you can choose not to renew your name on the electoral register and ask your postman to 'kill' the letters off as they are nothing to do with you. A family member of ours is a postman and is often asked to kill the mail off on his round - what they do is take it back to the sorting office and stamp it as 'gone away'. You should also not apply for credit for the next six years. The choice has to be yours.

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Never been on the electoral register in my old name, old name is on Equifax, but the two credit files have not been linked yet, but I know it is only a matter of time.

 

Already have a bank account and card in new name, so too late for that, also in the process of applying for a self cert mortgage, which has been approved in principle, so I've got the money behind me to pay anyone else who comes knocking, I'd rather be mortgaged to the hilt, than lose my home

 

Don't want to hide anymore, dreading the post everyday, or a knock at the door, so it's got to be better that I face it now. How do I find out which court it's registrered at, and what can I do about it?

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You could try contacting Northampton County Court, they are the main bulk centre clearing Court for creditors, phone and give them as much info as you can and hopefully they will be able to supply you with the info you need. Good luck with sorting this out, try and stay positive and strong headed, I am certain things will sort out for you.

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Sorry to be a bit harsh, but there atre 17 posts here and no details of what the debts are!

 

In order to help, we need to know what the debts are for. You say one of the CCJ's is for screwfix, Do they have a enforceable credit agreement? Are there late charges or costs you can claim back?

 

What is the other CCJ for? Who from? How much?

 

The more info you give, laid out clearly, the more help you'll receive.

 

JOgs

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Lol, don't worry about being harsh, bit new to all this

 

CCJ in 2006 has so far not turned up, so at the moment, rightly or wrongly, not going to go looking for it, as and when it does turn up, will deal with it

 

Default CCJ, is the one the HCEO is chasing for, is for Screwfix, which was a Self Build Credit Account, as for your other questions, I don't know if there are late costs, or a credit agreement, all letters got sent back or binned, how would I find out? Going to contact Northampton tomorrow, but should I phone Screwfix and ask them?

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Hi StupidLincs

 

Where there is more than one debt owed it is a good idea to start a new thread for each debt and give as much information as possible about each debt on it's own thread.

 

It makes it much less confusing and you get a lot better advice as different types of debt can have very different types of advice/solutions.

 

:)

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Default CCJ, is the one the HCEO is chasing for, is for Screwfix, which was a Self Build Credit Account, as for your other questions, I don't know if there are late costs, or a credit agreement, all letters got sent back or binned, how would I find out? Going to contact Northampton tomorrow, but should I phone Screwfix and ask them?

 

 

Hi StupidLincs

 

Don't worry it's easy to find it all very overwhelming to start with but it does get a lot easier I promise :)

 

Is the bit in the box above my text here everything you know about the alleged screwfix debt or did you add anything further up the post about it that isn't on this post, if so just add it in another post from you and it will show below this one.

 

Then it should look a little clearer to anyone who can help. :)

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When you took out the screwfix, Self Build Credit Account did you sign any kind of credit agreement?

 

If you did, do you know the approx year you signed the it?

 

As suggested in post 17 you could try giving Northampton County court a call as they may be able to give you details of the CCJ or maybe a copy of any paperwork they may have....at least that may give you more information to work with.

 

Sorry to not be much help, i'm sure someone who knows more will be along soon aswell :)

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I think there's two Courts in Northampton...I think the one you need to ring is 'Northampton County Court (County Court Bulk Centre)'

 

When you've rang the court post back here what they say, the staff there are usually really helpful.

 

In the meantime someone may be able to give you information about credit agreements made over the phone, as i'm not to sure about that.

 

It might be worth putting 'screwfix' in the search bit above these posts as other people may have been in the same situation with screwfix.

 

I'll have a look round aswell, if you have any more question just ask and someone will reply :)

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Hi,

 

Have been trying to phone Northampton County Court all morning, but line is constantly engaged (Is this a sign I wonder, Lol)

 

Number I have is 0845 408 5302. Does anyone know any other numbers, or do I just keep trying?

 

Thank You

 

Woohoo!! Got through, BUT, lady I spoke to was very apologetic, but they haven't got the facilities to search through all their files.

 

Was all fired up, ready to sort things out, now feel a little deflated, Lol, think I need to get out more

 

So do I phone Screwfix, or wait for the bailiff to come back?

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