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    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
    • Thanks so much FTMDave.  This is so much better   I'm still tempted to leave the blue section in is as if I lose it will at least save me a little bit of money.  But I get your point that it's pretty superfluous.   Thinking I'll get this in the post on Monday unless you think it's worth delaying?   
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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.  

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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.
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      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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consolidation loan or continue with DMP


calshan
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Hello,

Just a bit stuck really on what to do for the best.

I am currently on a DMP to the tune of £18,300 remaining, with an estimate of it being paid off in 5 years. I have already paid £10,500 off up to this point. I have been advised by my bank to take out a consolidation loan to cover the debts so they are all under one payment with the bank, which will improve my credit rating eventually as the other creditiors will be paid off. Two questions on this,

1) Is this a sensible thing to do?

2) would the creditors be likely to accept an offer of 80% of the monies outstanding, which would allow me to borrow a lesser amount on the consolidation loan.

 

On a monthly basis, a consolidation loan saves me £40 compared to my current dmp payment, i am aware that over time, i pay a little more back than sticking on the DMP with Payplan.

Bankruptcy is not an option because of my job, which offers a great pension, i rent, do not have any assets as such!

 

Any advice or other's experiences appreciated

Calshan

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The more sensible option would be to cut some of the payments to your creditors to do full and finals with the smaller ones, then you would break the cycle and not have to go down the consolidation route - it isn't advisable in the current climate anyway.

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I have considered this previously and the issue is that i don't even have the cash in order make full and final claims to even the smaller ones! Payplan haven't helped massively on this and things are getting tighter and tighter!!!

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I've done it recently with a lot of success, but they were recent debts and I knew my grround - thanks to info gleaned off this site. I will send you a PM on how it worked for me. It does involve some letter writing and record keeping but in the end I felt it was worth it as all Payplan and the CCSS wanted from me was to continue paying pro rata when I felt some people were taking liberties.

 

Its not illegal to do it the way I did and it isn't debt avoidance which some sites promote, you don't need to ask for CCAs etc as you have already been paying them.

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:-)that would be fantastic, i have read quite a few postings on this site about various different things but unsure how this would affect my dmp and would it provoke the creditors into demanding immediate repayment!

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I've sent you a private message (PM), check your inbox and PM me back when you've read what I did. I'm down to my last payment on a debt which otherwise would have taken 3 years to pay by doing it the Payplan way.

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