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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.
      • 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 
      • 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
        • Like

welcome - court - collectors - fetch car


conradsfate
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post check ur Pms re ur post i was confussed about.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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also look at the insurance premiums credit £2K+

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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you will find, and dont slap my wrists

welcome have been doing some creative accounting

the insurance is allready in the agreement, they have also added it seems to the total as well to inflate the figures

 

if i can proove this, which i will

 

its a clear case of fraud

 

noticed the fee disbursment, which is brokers fee has not been debited also

 

now to get my teeth into this

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i thought the repaymens were £202.48

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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post numbers 43, 47 and 68

 

I have made the page bigger and they all say according to my OH 202.48

 

My calcs are as follows

 

£202.48*48= £9,719.04 so there is quite a bit missing.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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What was the actual purchase price of the car? If we take that and start calculating around that we can work out the extras.

Those £100 ad hoc and capitalisation fees are nonsense - they make no sense. The footnote about the capitalisation fee makes no sense. It's gibberish.

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well thanks to CAG yet again they were not creative enough.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

I rang the courts about the letter for the amount they asked for and they told me to ignore it? I shouldnt have recieved it as i wasnt meant for me. they sent letter with envelope to send it back.

 

I asked them about mine and they said it was going through process.

I got to do defence.

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its 48 payments at 202.42 9716.16

ime looking at post 43

 

the total amount payable is 9816.16

 

are we still on the same wave lenghth

 

 

£100 left floating ????

 

and in the meantime I have now had a letter from

LEWIS DEBT RECOVERY - A FINAL DEMAND

issued on the behalf of Welcome Finance.

 

don't understand cause they are also saying they want the money

 

I think the whole of the UK are after me

Edited by conradsfate
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conradsfate,

 

don't worry about lewis debt recovery they are welcome only in another name...same company...just trying to scare you. only thing I am not sure of which hopefully the knowledgeable ones can answer is...can a creditor pass on a debt when its going through the court proceedure? and did you get a notice of assignment to inform you it was being passed over?

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conradsfate,

 

don't worry about lewis debt recovery they are welcome only in another name...same company...just trying to scare you. only thing I am not sure of which hopefully the knowledgeable ones can answer is...can a creditor pass on a debt when its going through the court proceedure? and did you get a notice of assignment to inform you it was being passed over?

 

 

Nope, nothing

 

Have not had anything of Welcome at all.

 

They didnt tell me when they sent Midland Debt round or these Lewis group.

 

I thought the same - how many are dealing with it??? cause i'm stumped now, confused about the whole legal thing.

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