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    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • Just be careful with your language on what you post here - Keep it above board Lets see what you send to the big boss. 
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Dont know where else to turn. 12 month contract


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I posted this in another forum but no reply after almost 12 hours.

 

Its not about debt but its very important because i am worried about my sister's safety... Please forgive me for posting here

 

 

 

My sister and boyfiend moved in together in Feb after being together over a year and a half. After moving with him and they both signed a 12 months contarct. After she found out that the whole relationship is based on lies. He said he had 1 child and she found out that he had 10 kids with 8 different women and that he's been cheating on her for over 3 months. The cheater constantly rings her and she does the same. My sister is in uni and will be in her final year coming Sept. The thing is she want to leave she rang up the estate agency and they said they will contact their lawyer to find out if she can leave before the 12 months.

 

The thing is her name is on the contarct but her boyfriend pays the rent and he's planning to move to USAafter summer he said he would pay the whole rent before he leave but she constantly say if she leave he'll leave as well and not pay the rent and leave her in a lot of ****. My sister is stressed out not performing well at uni and she cry every night and constantly talks about suicide thats how depress she is.

 

IS THERE ANYWAY SHE CAN BREAK OUT OF THE CONTRACT. I AM REALLY WORRIED AS THINGS ARE GETTING OUT OF HAND.

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Hi there

 

I am really sorry to hear this - I got landed in a similar situation years ago, and it took a long time for me to right his wrongs, and to trust people again. But it can be done.

 

I have asked the Mods to move your thread to a more appropriate section of the forum where hopefully you will get better advice, and I have also asked for Site team assistance for you - they may be able to advise on the legal side.

 

I sincerely hope you get some help for your sister.

 

Best regards xx

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Hi Confused,

 

Welcome to the Consumer Action Group

 

I have moved your thread to the properties forum, you will get more help here. I'll bring this to the attention of others that can help. Please bare with us, I am sure someone will be along soon.

 

Lex

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It might take people a minuite to find you, please give us time. A lot of folk may have been out today.

 

Lex

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&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Look, I'm not sure about the complete legalities of this situation, but I do know, that your sister's mental health and personal safety are paramount and sometimes us women just have to up and go and bugger the law.

 

I'll probably be shot down in flames for saying this - ask your sister to speak to her agents again, and this time, she has to tell them the whole truth - they seem approachable in that they have listened already.

 

I deal with weekly periodic AST's through the social housing sector, and in this situation I advise the party wishing to leave to ASSIGN their part of the joint tenany to the remaining joint tenant. She simply need write a letter as follows:

 

Dear Sirs

 

ADDRESS OF PROPERTY

 

I wish to fully assign all my legal rights and interests in their entirety, in relation to the above joint tenancy, to ................, with effect from ..........., should he wish to accept it.

 

This is because I consider myself to be in a abusive relationship, and I have to put my safety first. Therefore, to protect myself, I have not given a forwarding address.

 

Yours

 

That will state your intention. Whether he accepts it or not that's his look out. Don;t forget though that joint tenants are jointly and severally liable for everything contained within the agreement, so if he doesn't accept (if he really wants to make himself homeless) then they can trace you and come after you. So....

 

You say your sister is getting more and more distressed. What I suggest next is that she contacts the Domestic Violence Unit at the local cop shop, make an appt to go in and see one of the advisors and tell them everything, even if there is no physical violence, D/V comes in many forms, including causing distress at this level. Its never a bad thing to have this on record, never a bad thing to think one step ahead of the perpetrator wherever possible. If your landlords then tried to trace you and disclose your details, they would find themselves having a quiet word with the D/V unit who will tell them that you are being put at more risk by their actions - that'll gve them a topic for discussion in the office whilst they work out what to do next! She should also inform the Uni (welfare and security) because the last thing she wants is to feel she can't go to Uni in peace and safety.

 

I hope this works, again, it depends on whether there is a break clause within the lease, the attitude of the landlords/owners etc.

 

Tell your sister just to get out for her own safety, and worry about anything else afterwards - including, stay away from men until she has finished her Uni studies.

 

Good luck

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Yes do that, but make sure she understands that her mental health and personal safety have to come before anything else.

 

Me, well I can kill a man stone dead from ten paces with my gob and temper, but then I'm quite an old girl now and I do understand how it can be very difficult to deal with these emotionally charged situations when you are so much younger and upset.

 

Please also tell her never to have a joint tenancy again with any man, whatever he promises! And this applies to any ladies reading this post - don't do it, we all know it don't we?! Its no different to having his name tattooed up your arm - tattoo's last and boyfriends don't, and both are usually very painful and expensive to get rid of!

 

(sorry guys on here, I'm 100% positive none of you would put any of us ladies in this situation!) I also know that many chaps find themselves in this sort of situation as well.

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Confused Mind. Tell your sister that the first thing she MUST do is leave the property and go and stay with friends or family. She needs to be out of this situation right now. As Jackieandwayne has said her health is more important.

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I am quite upset right now they are now sweet, the guy because he shed a few tears and beg her not to go and promise he's going to change....

:-(

Hmmmm where have i heard that before?................oh yes, my first husband said it :(

 

Well if she has any sense then she will ask him to remove her name from the tenancy agreement, at least whilst she is still a student

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Yep, strike whilst the iron's hot - get her name off that tenancy in the I described above. If he's that sorry he'll do it, if he won't he ain't sorry.

 

When the leopard doesn't change his spots she can stick her fingers up at him and clear off.

 

Just keep an eye out for her - sadly sometimes it seems less hassle to stay in a bad relationship simply because its what you know. I expect once Uni's over and done she'll set her sights on something better;)

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