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    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
    • Thank you dx I'll get on with it  Much appreciated  H
    • Can we have a picture of the damage. It might be a lot easier than you think to do a cosmetic repair.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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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What Made You Want To Swear Today?


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Churchwood have made me want to swear today,who are they and how have they got hold of my home phone number which is ex directory and registered with the TPS and also texting my mobile...Grrrrrrrrrrrrrr:-x

 

 

sorry if this got posted twice,it froze

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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I must admit I did swear when I had to work longer on a job than I wanted to today,,, but never mind,, I had a good evening in front of tele watching footie and will join the lads down the local tomorrow. Oh mustnt forget to go and see me old mum as its Sunday and she does a lovely roast!

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OH pestering me to take out more life insurance. This was after we'd discussed what to watch on TV tonight, when I realised that the only things we actually watch together are those shows which focus on spouses that kill eachother! Anyone else see a pattern here..........?

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Well I wanted to swear yesterday really but have only been able to post it now. There was an underground electrical fire at about 5pm yesterday, and 90% of the area had no electricity until during the night. Very awkward when you have to feed your kids and get their clothes ready for school. That's the second time that has happened in as many years.

 

I hope all them Sirloin steaks are ok in the freezer.:oops:

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Sky made me want to swear,taking channels from us without telling us and now the router is playing up so guess they will cut my internet off next :-x

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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I'm surprised they get underground fires Sod'em with all the water that leaks from our water supply pipes and now they declare hose pipe bans...............what the hell happens now when i want to fill up my douhnut pool in a few months time grrrrrrrrrrrrr

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I went for 2 job interviews yesterday. I got offered them both. So I let the one know that I wouldnt be taking up their offer. Then the other one tells me that the vacancy has now been put on hold.........
OMG!!! So sorry to read that *hugs*
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The horrible, horrible, useless, inadequate dementia care in the area I live in. Watching useless Doctors being compensated for by brilliant Nurses. Very nearly having the lift I got from the brilliant Nurses (and if Doctors get a capital letter, I'll be damned if the Nurses don't BTW) ruined by a health care assistant who is quite clearly in the wrong profession.

 

It's just as well I've got a sense of humour, let's put it that way.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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The horrible, horrible, useless, inadequate dementia care in the area I live in. Watching useless Doctors being compensated for by brilliant Nurses. Very nearly having the lift I got from the brilliant Nurses (and if Doctors get a capital letter, I'll be damned if the Nurses don't BTW) ruined by a health care assistant who is quite clearly in the wrong profession.

 

It's just as well I've got a sense of humour, let's put it that way.

 

Please don't take this the wrong way; it's not meant to be... Myself; am looking at a mid case scenario that I'm facing a nursing home! I'm 43!!! Unfortunately, when I became severely physically ill I didn't tick all the right boxes. No worries thought I... Not so said they (social services). Two years down the line I'm still 'fighting' for everything. My home, care, benefits. I paid my taxes, NI, everything... Naively thinking I'd done the right thing. Where am I now? Facing an almost worse than death sentence because I suffered an hypoxic brain injury almost two years ago. I have no idea how long I have to be 'compus mentus'. A week, a year, a decade?

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If you want something doing properly, you are best doing it yourself.

 

 

 

At least that's what I tell Mrs SOD'EM when she wants sex.:jaw:

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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my youngest sons college phoned my home number four times on wednesday and they also called his mobile FIVE bliddy times and then denied it.....the willys....where did I put the size 12 hobnailed boot grrrrrrrrrrrrr

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Please don't take this the wrong way; it's not meant to be... Myself; am looking at a mid case scenario that I'm facing a nursing home! I'm 43!!! Unfortunately, when I became severely physically ill I didn't tick all the right boxes. No worries thought I... Not so said they (social services). Two years down the line I'm still 'fighting' for everything. My home, care, benefits. I paid my taxes, NI, everything... Naively thinking I'd done the right thing. Where am I now? Facing an almost worse than death sentence because I suffered an hypoxic brain injury almost two years ago. I have no idea how long I have to be 'compus mentus'. A week, a year, a decade?

 

WARNING...massive rant not directed at anyone in particular ahead. Feel free to skim over and move on.

 

BB, not taken the wrong way at all - in fact, I fully symapthise. Mum and Dad are the same - never been unemployed, worked their backsides off, only had two kids, bought their house - did absolutely everything that society asks of people. Now they're here at 67 and 70 respectively, and where has it got them? My poor Dad is a walking misdiagnosis, they seem to think that because my elder sister is a Nurse and I used to work in a dementia centre my Mum shouldn't need any support. Lovely idea, but not when we both work full time - how the hell are we supposed to help? My Mum has been ripped off to the eyeballs, firstly by CrapFest then by some dodgy debt management company. Where's all that support they were promised, from the cradle to the grave? I'll tell you where - it's beating a hasty retreat over the horizon. In the meantime, my Mum (who is the size of a house sparrow) has been left with my 12 stone Dad, a commode and a bed in the dining room. If he fell, he'd take her with him. Even the paramedics who brought him home said he shouldn't be there - they didn't actually DO anything about it, but they did mention he shouldn't have been discharged. Thanks for that, lads. He fell again 15 minutes after they dumped him on the doorstep, and ended up being readmitted.

 

The only reason...ONLY reason...things are starting to move now is because my Sister (God bless her) has started chucking her professional weight around, which makes her feel horrible. How people with no knowledge of "The System" cope is utterly beyond me. If the mark of a society is how we treat our elders, we're a bloody disgrace.

 

OK, rant over. Tomorrow's another day and another opportunity to plant my boot up someone's backside if this keeps happening.

 

BB, again, you have my full sympathy. I know how hard it is fighting for someone else, never mind having to do it for yourself. It's all wrong, it really is. Sending you lots of good thoughts in the atmosphere - it's not much, but it's about the best I've got at the minute. :-)

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"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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LG my mum and dad are passed over now BUT look at what we have now and look at what my mum and dad worked and strived for in WW11.....mum had 3 kids at home and had to leave her kids with her mum and go to a foundry and drive an over head crane 'not bad for a little lady who was a smidge over 5 feet tall and poor old dad had lost his leg once evcuated from Dunkirk due to his injuries....they did their bit and did their best to raise 9 kinds 'i'm their youngest' they and my brothers and sisters 'bar one lazy brother have all paid into the system to make our country a better one for new generations and look who's skimming and [causing problems]......ex eastern block scumbags and devious politicians................we are being driven into dirt and filth by these baskits so as for me the next time I vote I hope theres a ukip councilor on my vote card or i'll have to spoil it like last time grrrrrrrrrrrrrrrrrrrrr

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My poor Dad is a walking misdiagnosis,

 

I am in the same situation, unfortunately. :( Your dad has my sympathy. With me, they also hid important stuff from my parents, which led to me having a head injury as an 11 year old and they also blamed every problem on a disability I have. We found in September that it's possible that my problems are sod all to do with this and are in fact, something more sinister.

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The copious amounts of chocolate truffles my Husband bought me made me swear today - because I ate them all! :jaw:

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

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TIMELINE!!!!!!

 

I didn't ask for it and I don't want it. :x

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