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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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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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    • 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.

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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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CCJ - I Never knew!!


Guest suziedarkness
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Guest suziedarkness

I really dont know what I can do about this, if anything, and would really appreciate some advice.

 

To cut a long story short, my home was repo'd in 2007 leaving a shortfall on 2 further secured loans.

 

There were issues with these loans for miselling ppi, fees etc and so I went through the motions of getting SAR etc.

 

Now the agreement was toilet paper as far I was concerned as it does not appear to have all prescribed terms etc, then there was issue of ppi misselling, secret commissions etc so I went to see a solicitor.

 

After weeks and weeks of trying to get answers, he said that we could challenge it but would need a Barrister and this would cost £XXXXX which I didnt have. To be honest, I wasnt very confident in him but he was the only once I could find in a reasonable distance. Other than that, it meant going to one of these claim farmers which I did not want to do.

 

I was still trying to get info from the loan company as they had failed to supply all the info I requested.

 

Anyhow I just went into cancel a monthly charge for a CRA when I have noticed that they have already taken me to court and I have a CCJ for lots of money back in May.

 

I never knew anything about this. I moved house back in March and to be fair, I did not let then know my address as I did not want to stir up the nest so to speak, but my ex husband has had nothing either.

 

As there were issues with the agreement, is there anything I can do about this, can I appeal or something? or is it too late.

 

I have recently lost my job and I just dont know what to do.

 

Suzie

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Guest suziedarkness

I have downloaded the form N244 and will send it off tomorrow. I cant believe that I have to pay a fee £75 :eek: what chance have us poor people got!!

 

I read on the internet that a change of address is not a good reason to ask to get it set aside, i am hoping my comments about me believing the contract to have some serious flaws maybe.

 

What should I expect from this process, will I have to go to court to get it set aside?

 

I am really worried about this, any help greatly appreciated.

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Hi Suzi,

 

Depending on your financial circs you may not have to pay the £75... have you checked on the National Debtline Website?

 

You may well have to go to court for the set aside but it will depend on the response of the claimant I believe... but if you do it should only be a short hearing as the judgement was given by default as you had not received the claim.

 

Spam:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Hi suzied,

 

It would be advisable to attend the court hearing.

 

I know that most people are very scared about attending court; but please do read the thread below as it is nothing like the tv programme "Crown Court" -

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/108467-basic-introduction-consumer-credit.html

 

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