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    • He is still trading.   I won't get anything out of it, no.  But is that the point?  Not charging it means the Govt misses out on important revenue 
    • for whatever reason, if you did not get the original PCN on the car/by hand nor in the post before things escalated you need to appeal using the correct forms, not a soft appeal to the issuing council Which forms to use for which offence pe2/3 & te7/9 - Local Authority Parking and Traffic Offences - Consumer Action Group  
    • as this situation has now come up again for you, how confident are you that if you get on the straight and narrow with having a respite of 60days (Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk)... would you then be able to resume ok? if not quite honestly, the very best thing you can do is to get ALL your debts defaulted by the issuance of and the registering of a Default Notice from each creditor. this is done by stopping ALL PAYMENTS, it wont hurt you short term, esp as all the debts are still with the Original Creditors. this of course will kill credit for 6yrs, but, will cause the debts to vanish from your file (paid or not, paying or not) on the DN's 6th B'day, but of course that wont mean the debts are not still owed, legally, just your file will be clear of them all. if you read a good 10-20 of the stories in this very same forum you found to start yours, you'll soon get the idea behind the advice given. as for things like IVA/BK etc NEVER EVER do those, that secures unsecured debt. just contact one of the free DMP providers and get breathing space implemented, that gives you a 60 day buffer to firm up your future actions. but DO NOT enter into a DMP, do one yourself. they can be a bit pushy, but simply insist you just want breathing space invoked, i would only be giving them enough info to achieve BS too, don't give them anything you don't need too, they are funded by the banks and debt collectors and can sometimes be over intrusive and nosy wanting info that is better not revealed. dx    
    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
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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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They will make her bankrupt for 4000 pounds, help please.


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A couple of points:

 

1) We're not talking about a charging order here but rather a voluntary charge. A CO is only granted if there is a CCJ in place and by order of the court. A voluntary charge is just that- voluntary. It's like taking out a secured loan or a mortgage. I am not sure to when such a charge would crystalise to allow a creditor to sell the property but I would want to check that they would have to go to court to get possession and in what circumstances a sale could occur. The OP should take legal advice before signing anything.

 

2) I am not clear whether the OP accepts that this debt is genuine. In other words, did they sign a credit agreement? If it isn't a genuine debt then I would fight tooth and claw to win this. If it is a genuine debt then it may be better to let it lie subject to making sure that the payment arrangements are reasonable.

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my wife gets sickness cover with her job! full pay, a perk...redundancy?..she has been there 10 years and is in a profession which is required..not saying what..we will go down the avenu of a valid cca later...having a beer now and chilling...

 

beaconsman Whoa Whoa Whoa..

 

This time last year I was in same scenario as you, I toiled with the idea of 'giving up' because like you I was afraid, but you need to get the letters to the oc and the dca for this alleged debt, listen to what you are being advised and act on the advice.

 

My scenario was the same as yours and after asking and listning to advice from here I started my fight and guess what....it is over no cca and no further contact and I too like you was gonna pay the 5k, get a grip and sort this out for you and your wifes sake, I hope you dont think I am being balshy but you need this, as a fellow gager gave me a kick up the backside a short while ago for seemingly ' not listning' and I got my fighting spirit back.

 

Good luck m8 and get that printer on overdrive.

 

Mr W

Regards..Mr Worried :)

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can't the OP get a charging order in favour of a trusted relative for the equity leaving lowells CO worthless or is that seen as squirelling away assets. Also, do some CO's come with a bite in that the creditor can force a sale.

 

 

Just out of interest, is this possible?

Is it possible for your relative or friend to put a charge on your house and cover the equity by doing so, and does this mean if there is one there and no equity left, another charge by someone else cant be attached?

 

BF

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just refresh our memories a bit and tell us which court it was and who was the judge?

This would be a great help to other members who may receive so called Stat Demands from the Leeds Losers.

 

Could you also say if it was one of Clownells in house legal team (the ones with O'Levels) or if in fact they used a REAL solicitor from a firm local to the Court

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I'm gutted for the OP as this should have been a text book set aside :confused:

 

I suggest some research on voluntary charges is in order to weigh up the pros and cons of fighting this further. This is the first time I've read of a VC off the back of an SD :confused:

 

Actually, this is the first time I've read of the leeds losers winning a defended SD :confused:

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the threat of bankruptcy is/was just that - a threat

 

very very rarely would a credit card company go to bankruptcy

 

............and a DCA like the Leeds Losers is even less likely to follow through. The expense for them in getting the BO and then not knowing what percentage if any they would get of the OPs assets makes this a silly bluff on their behalf.

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We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Hmm, very interesting read that!

 

Seems that Beaconsman has been wasting our time and is really a troll crying wolf.

 

Work for the leeds losers by any chance!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I suspected as such, but didn't really want to say. I knew that as Beaconsman's posts went on, that they just didn't sit right. I made a couple of postings in this thread in the mid-late period, and then stopped once I started getting really suspicious.

 

So, wasting time on whocallsme boards (most of their threads are in the process of the being deleted from there, by the way), and now Lowell are trying to waste time here as well.

 

Well, it's their time - do they pay money out for employees to do this out of hours as well?

 

Yep, Lowell must be extremely desperate for business when it has to try sabotaging public forums. And like DCA work, they're not very good at it - being caught out soon after they start - and it hasn't stopped everyone who posts here from getting the advice they need.

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Yeah I agree, it has only confirmed peoples knowledge, so has been quite a useful exercise for all really, even the leeds losers, letting them know we do indeed have a much clearer understanding of consumer law, something which they choose to ignore to their cost, and CAGgers gain!

 

*Waves at Beaconsman and his fellow DCA colleagues :D*

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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To quote from Cerberusalert's sig:

Beware not all members of CAG are caggers, there are some who will deliberately misinform or try to undermine information you have been given, at the end of the day it is you that must decide on what action to take.

:) :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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