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    • Thanks I just had a quick look.  Will study over the w/e My friend does have kids. But it's a really dysfunctional family.  They don't talk.   Many years ago he sold 2 property assets and gave them a lot of money (enough to buy homes w/o loans) .  They've done nothing for him in the last 2 decades. And he altered his will so his new partner gets everything; the kids nothing (more). The 1st form I glanced at - to be deputy - asks for family details.   If I give his kids details I suspect the authorities may say they should get the deputy job instead?  Then  they will steal the money and give nothing to his partner. I can get a copy of the medical assessment  - and get it translated.  If need be.   This has all happened very quickly.  He got sick. And that must have kick-started dementia.   He was fine to hold a detailed conversation 6months ago; now he cant
    • Hi I think the only way around this as he lacks capacity is someone is going to have to apply to be a deputies via the Courts as he has assets here in the UK and a UK Bank Account which will take time and there will possible be Court Fees to make the application. Also if the Lack of Capacity (Dementia) was diagnosed abroad the person applying for deputies will need that diagnosis and it will need to be translated legally for the UK Courts so possibly cost for this as well. Also for reference although you were assisting them before the lack of capacity and had authority to act on there behalf that no longer stands due to there diagnosis of Dementia therefore Lack of Capacity so you no longer have any authority legally to act on there behalf unless the below is actioned or someone has Power of Attorney for that individual (which was setup before the Lack of Capacity) Have a wee look at these links: https://www.gov.uk/become-deputy https://www.lawsociety.org.uk/topics/private-client/mental-capacity-international-aspects#:~:text=You might need to make,act within the foreign jurisdiction https://www.gov.uk/government/organisations/office-of-the-public-guardian I have got to ask with the Dementia diagnoses are you 100% sure the diagnosis states they Lack Capacity as not everyone that gets a Dementia diagnoses may lack capacity initially. Now the Office of the Public Guardian link above you could also consider giving them a call just to give them a brief on this situation and get there advice on what documents etc are needed for deputies to be appointed as the person with Lack of Capacity is abroad.
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      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.

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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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Does anyone know of a source for credit other than the payday type loans?

 

I used payday loans to help me through when I started a new job last year but they are so expensive it's getting to be a problem to clear them. I need to borrow around £1500 and only want it for 12 months. I am happy to suffer a high interest rate as it would still be cheaper but my credit is so poor that I am being knocked back for anything other than a Guaranator Loan.

 

Any advice?

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Welcome to the site.

Will move your thread to general consumer issues.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I probably shouldn't interfere in this way, but hopefully we're all friends on this site.

 

You say that you use payday loans last year to help you through a difficult time but now you're having difficulty with repayments.

 

Now you are saying that you looking round for another loan company and presumably that is to help you with the repayment of your first loan.

 

If you get a second loan I think that it is unlikely that you're going to manage and you will probably just fall into the spiral of debt. You probably teetering on the edge already.

 

These loan companies exist to bleed you dry and after that they will wreck your credit reputation -- more that it may be wrecked already -- they will hound you and harass you and make impossible demands and you will never manage to earn a penny that you were able to call your own.

 

If you are going to default on a loan then you may as well make it this one rather than stack up successive loans which simply become more expensive.

 

Really, the best thing that you can do is to avoid this kind of action like the plague!

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My intention is to avoid defaulting by reducing my monthly repayment - I could easily afford a repayment based on an interest rate of 50 - 100% pa and hoped that someone on here might know of a reputable organisation that might be prepared to take a risk on someone with a bad history but a decent income now.

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Moved now-phone went before as I was about to do it.

I expect you will hear more of the same as Bankfodder has wrote-especially from those who have found themselves in that position after trying further loans.

However I know that you came here for advice and opinions and so its up to you at the end of the day to make those decisions.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Would a credit union be suitable? The interest rates are generally not bad, but I believe a deposit is usually required and the amounts they will lend are not that much.

 

The problem is that lenders that provide credit on this basis do charge a higher % due to the risk being taken.

 

Whatever you do, DONT go to a loan shark. No-one should be that desparate.

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Most Credit Unions also have a requirement that you show a period of saving with them (I think usually 12 weeks) and the first loan amount is apportioned to the amount that you have saved by that point.

So yes its good to be thinking of-but it does not offer a quick way of getting hold of some money.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have looked into Credit Unions but they are all bonded by the area that you live in or work in. I live in Luton but the Luton credit union only covers a very specific area and there is no credit union in Westminster which is where I work.

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in my opinion

 

dont take another loan

negotiate with your creditors

 

i fell into that trap and ended up with welcome finance

 

what a mistake that was

five years of hell

 

these companies will bleed you dry and still want there pound of flesh

 

ive been through it and its not very nice

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Good conclusion.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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