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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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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 
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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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hi i am not very good at writing or spelling so please bare with me but my partner as an house she left 7 months after losing her job to sickness and still on the sick now and since then she as had council tax still charging her for empty house which the bailiffs are coming to collect from where she lives now so still trying to sort that out but they still have not taken the house yet after all this time and it sits empty so we are going to hand the key back to them which will take 6 weeks for them to sort out then the council will stop charging her for the tax also when they sell the house i think they will be about £60k oweing plus all her other debts to pay and wanted to know if there is anyone i can call for advice i dont like bailiffs at all most are bullies and just no that when they come to my house for her i will lose it and get banged up again so any help or number to call would be great

 

PS my parnter as not paid the mortgage for over 7 months but they still have repossed it thats why we are doing it this way

Edited by needsomeinfo
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The property may well be exempt from council tax for at least 6 months.

 

There are full exemptions applying to properties left unfurnished for up to 6 months - can you partner prove she has moved (i guess her sick pay claim will have moved with her)?

 

Also, if she needed looking after and had to move elsewhere to be looked after, there is an exemption for this too.

 

I can look up the exact exemption codes for you to quote and draft a letter for you to the council if you let me have some more info.

 

In the meantime, keep your windows and doors locked and don't open the door to the Bailiff. If he hasn't been in your house before, he can't come in unless you invite him or he can gain peaceful entry via an open door or window. He will eventually give up and write to you saying the debt has been returned to the council so they can apply for your partner to be sent to prison - they have to have an income test at the magistrates court before they can apply for imprisonment and it will be proved that your partner can't afford to pay it so she's not likely to get sent to prison.

 

I know how annoying Bailiffs are (and the snoops from the local council) but rise above them, ignore them and try to get the exemption applied instead.

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Is your partners new address in her name ?

 

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

 

 

Council Tax discounts, exemptions and financial help : Directgov - Home and community

 

 

I have to go out now.

 

This letter may help you if the bailiffs are due soon.

We cant have you getting banged up again, the porridge is horrible.:eek::D

 

 

Claim of Ownership of Chattels

NAME OF BAILIFF OR AUTHORITY

ADDRESS LINE 1

ADDRESS LINE 2

ADDRESS LINE 3

POSTCODE

DATE

Dear Sir/Madam

Re: [YOUR NAME]: Notice of Ownership

 

I write on the understanding you or your firm of bailiffs has seized, or is intending to seize chattels, vehicles, goods, or property belonging to me at the above-mentioned address in respect of an alleged debt belonging to somebody else.

I confirm that I am the lawful owner of the aforesaid and there is no entitlement enabling you to change ownership, possession, location, use and enjoyment of my property by way of a levy or a walking possession agreement.

This document is delivered by Royal Mail and I deem it to be served on you by the ordinary course of post in the meaning of Section 7 of the Interpretation Act 1978 and therefore your responsibility and your own interests this letter is handed to the relevant person within your organisation.

Any attempt to subvert or rebuke this notice will result in an invalid levy and I will automatically file at court a Form 4 complaint with an application for costs against the certificated bailiff without contacting you further in this matter.

 

Yours Sincerely

 

YOUR NAME

 

 

 

 

 

 

 

 

.

Edited by tonycee

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.

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