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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
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Anyone heard of........


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Hi all.Has anyone had any experience of a Debt collector named 'Eversheds'?

I am going through(in the next couple of months) a Bankruptcy file and these plonkers have tried a nasty phone call which didnt work.I basically told them to contact my Financial advisor whom are dealing with my case.

 

regards to all

 

Tom

Banks-B*stards all of em'!!!:mad:

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Eversheds usually deal with Abbey National accounts, they are a 'licenced legal practice' so some phone monkey phoned me, but are really a 'limited liability partnership' between a solicitor and somebody in Abbey...

 

If you are going through a bankruptcy proceeding they will do everything they can to ensure they have a bite of what is left, and a big one at that. If the debt they are dealing with is unsecured make sure it stays that way... they are not very pleasant people.

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Cheers guys.My Financial people say they are a bunch of 'nasty,pushy b*stards'.They be right.The call was funny though.He/Call centre Bunny was really agressive about the £25,000 I owed the banks,but when he got a bit carried away I simply said to him " am I being agressive to you?".He said "No".I replied with "well dont be like that with me"....but what about this Debt ,we want the money.There you go again I said.Look deal with my financial advisors because I dont expect to be spoken to in that tone and certainly not in the middle of Coronation Street!.....he put the phone down on me....how rude!!!!!

Banks-B*stards all of em'!!!:mad:

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Hi Sillygirl1.Yeah,the debts are Credit card debts.I used to be a county court certificated Bailiff (BOO,HISSSSS) but got sacked after a short period for trying to help people ,as opposed to what they wanted me to do.W*nkers!.So I think this firm are barking up the wrong tree.

Banks-B*stards all of em'!!!:mad:

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Suggest you click 'search forum' put in Eversheds and it should bring up a lot of info.

 

I know of least one other thread about them on here.

 

Years ago, when I working at a faceless utility company we used to get our share of grief from these people, and they were a pretty nasty bunch even then.

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Just looked them up on another thread.May ask my F/Advisor if its worth sending a CCA for each of the Debts.worth a try do you think?

Banks-B*stards all of em'!!!:mad:

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Standard practice.

 

Send them this letter, (recorded or special delivery), along with a £1 postal order. Print your name , don't sign the letters.

 

 

 

1 High Street,

Newtown,

Kent

R21 4RH

 

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

 

Send the letters to the DCA, if there is one or straight to the Creditor if not.

 

See what they come up with.

 

David

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  • 3 weeks later...

thanks all.recieved letters from all creditors accepting £1 per month until Bankruptcy.Put a big F*****G smile on my face I can tell you.Cant recommend Integrity Financial Services(shrewsbury) enough.Though this forum is the danglies!!!Just to top it off....the local RBOS had its cash machine lifted out of the front of the building last night with a JCB.Ha,Haaaaaaaa!

Banks-B*stards all of em'!!!:mad:

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Your wicked :D;)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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