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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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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.

      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
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Hi all - I am new to the site (well as far as contributing goes). I wondered if there was anyone who could give me some advice on my debt problems please. I have quite bad debt on credit cards and a loan and have taken advice from citizens advice and they advised me to enter into an IVA and not file for bankruptcy because I have equity in my house. I don't really want to move as my house is close to my daughters school so I think an IVA is probably the best solution. I had thought about equity release on my house - does anyone have any comments??

 

Thanks in advance!!

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It is generally a very bad idea to turn unsecured debt into a secured one.

 

When were these credit cards and loan taken out and who are they with?

 

How much debt are we talking about roughly?

 

Are there any charges on the accounts e.g. late payment fees, overlimit fees?

 

How much disposable income do you have per month? IVA's are not suitable for the majority of people.

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.

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Hi

 

Thanks very much for taking the time to reply.

 

My credit cards are balance transfers cards that have approximately £20k between them and are with Egg/Virgin and Marks and Spencer. All introductory rates have ended and I really don't want to transfer balances again because I'm just not reducing the balances - only the minimum payments. I have defaulted on my cards a couple of times until I set up standing orders. I also have a loan which is now approx £4k give or take.

I can't believe how much it all adds up to.:confused:

 

I pay all my bills and mortgage out of my salary but it isn't clearing my debts.

 

I have approximately £300 a month left after I pay everything which I use for food shopping and essentials. I don't qualify for any benefits.

 

I've read every book on debt management and reducing your outgoings but I really need professional help now.

 

I really want to get this sorted asap for mine and my daughters sake.

 

Maybe an IVA isn't my best option and I heard most banks are not offering equity release for obvious reasons...

:?

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You probably are not old enough for ER anyway and it was never really a good product, it is going to come and bite the providers in the backside just like Endowments did.

 

ok, you need to list all debts, amounts, any areas and, most importantly, when the card or loan was taken out.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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By Equity release I meant borrowing on my mortgage because I have equity in my house.
I realise that's what you meant. It's still a very bad idea though.

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.

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I wanted to do this also I mean add to our v low mortgage cw the equity in our house but due to bloody barclays puttign a default on my file for a loan in dispute wuth fin ombudsman re a mis sold timeshare my mortgage co who ahve previously let us add 3 times to our mortgage have declined us for another top up, Im furious as I have always paid all my debts before now, borrowing on our house is so so cheap and would solve all our probs and we'd still have a v cheap mortgage we could afford and no debts.... now Im worried sick how we'll clear our debts I dont know... I did wonder if there are any mortgage lenders who we could move to and try elsewhere to remortgage but with the default I guess no one will and we're on a v cheap deal with our mortage..

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If you have mortgaged property I would strongly advise you to steer clear of an IVA.

more info here:

 

National Debtline England & Wales | Debt Advice | Factsheet 26 Individual Voluntary Arrangements

What about my home?

 

 

  • If you are a home owner, your IP will normally want to include a special section within your IVA proposal called an 'equity clause'. This means that during the IVA (normally in year 4) you would be expected to apply for a secured loan or re-mortgage to pay back some of the debts. If you cannot do this, your IP may want you to sell your home instead.
  • However if your IVA follows the IVA protocol, there is some protection. The protocol says that if you are unable to get a re-mortgage or secured loan, you should keep paying instalments under the IVA for an extra 12 months rather than selling your home.
  • If you are able to re-mortgage or get a secured loan then the repayments should be affordable, and you should be left with at least 15% of the equity in your property.
  • If you are unable to maintain the payments on your IVA there is a risk that you may be made bankrupt, which could result in you losing your home.

WARNING

You need to be careful when looking at taking out a new mortgage or secured loan. It may be difficult to find a loan from a reputable lender at a good rate of interest because your credit rating may not be good enough.

You must discuss this with your IP and get advice to make sure you can afford the new payments or you could be putting your house at risk.

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.

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Ooooh IVA's, bad bad IVA's!

 

You have come to the best place in the land for advise and support, welcome to you both.

PLEASE DONATE ANYTHING THAT YOU CAN

 

 

A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw

 

 

 

 

Go on, click me scales (if I have helped) :grin:

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