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    • Not prosecuting in the public interest seems to be bandied about on forums frequented by students. I don't think I've ever seen a prosecution not go ahead because of that. You would have to define why it isn't in the public interest to prosecute someone who isn't paying their way and is costing other travellers more. I can't think of a reason. HB
    • we have known for a very very long time that 9/10 the OC never knows IRRWW are chasing debtors nor  in some cases even taking money from them that the OC never ever see!! IDRWW pockets it -  free money - lets all go on a staff holiday. there was an article some years back whereby that quoted some +£4M debtors had paid to IDRWW on UAE debts that when contacted the originating banks knew nothing about....😎  
    • let the ombudsman do their job. you'll win handsdown you dont obv owe OVO p'haps anything at all.  dont worry about Past Due credit or any other DCA ( THEY ARE NOT BAILIFFS!) as for you being added to the debt, thats quite OK, you were a resident adult and equally liable under law. once you start getting things moving via the  ombudsman dont forget to get your credit files cleansed of any negative data & seek compensation for distress etc, again the  ombudsman should sort both out for you. as you are now NOT a customer of OVO, there is very very little they can do to you now.  
    • A question - did you use the supermarket or the restaurant? I see the restrictions are different. Sign.pdf
    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
  • Our picks

    • 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
        • Like

Bryan Carter chasing old EGG credit Card Debt


seklof
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iv been keepong all correspondence from all of the collection agencies for the past year ,many are confusing, many are letter cycles

 

i have about 12 files going on with each agency and each debt

 

Good starting point then. So you can probably get a few threads going.

 

If you've been reading around you will have noticed the importance of Default and Termination Notices. Get them scanned and posted up as you may already have won on a few of these and don't realise it.

 

Do you have any docs by the way for this thread. Default Notice in particular.

 

M

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Look for letters headed Default Notice (served under S87 of the Consumer Credit Act 1974) or words to that effect. These are very important.

 

Also, if you have had any subsequent letters confirming Termination. It's a starting point.

 

 

shall i only send cca s to comapnies that wish to take me to court as this will reduce cost m ?
Yes, don't start doing what you cannot afford. When able, then send CCA request.

 

should i go to see the cab

just to see what they say

Entirely your choice, the standard of info you're looking for is, IMO, better sought in these forums. CAB advice is not always as good.

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Dependant on the content of the DN, followed by subsequent termination on the back of it, you could be in a position on some of these where

a) they cannot be enforced by a court, or

b) you may owe no more than the arrears part shown on the DN.

 

Get you bits posted up - those that know much more than me will comment

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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cheers people

im looking @ 1 from scm solicitors - notice of court proceedings , this is wth lloyds so im gonna cca this lot see what occurs here

keep u all posted on progress with it

 

scm solicitors - lloyds boys

 

rsvp

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Click on the link below which will put you in the right forum.

 

Look on the top of the postings and you will see a tab that says "NEW THREAD". Click that and you'll post your own new thread.

 

M

 

Mortgages and Secured Loans - The Consumer Forums

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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m u r helping me out its much appreciated - im gonna post for carter here and then open up threads for other cases elsewhere - am i on the right track here

as my situation changes will i receive more aid

cheers

in hope its all i got left

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m u r helping me out its much appreciated - im gonna post for carter here and then open up threads for other cases elsewhere - am i on the right track here

as my situation changes will i receive more aid

cheers

in hope its all i got left

 

Don't panic ;). As time goes on you will find that others will post on your threads. And yep, keep the BC issues on this thread only.

 

If you're looking for an answer to a question and not getting a response then just type the word "bump" in a post and put it up. It will push you up the lists of new posts and i'm sure someone will stick their head in and have a look.

 

M

Edited by MandM
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________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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cheers m

 

i think about bancruptcy quite a lot thinking its the easiest option but feel i can fight if i put my mind to it

 

its gonna be a long road but as i have no job no work no life except this now i am gona give it a go

 

thanks for the suppport there m

 

i have other issues with for instance hsbc invoice fiancing and also my car is now in default

where should i put these threads?

 

thansk for the help - it will be passed on i guarantee that

 

thanks all

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Hi S

 

Not only do you get great advice on here you also find that as we have all been through it people listen without judging (Unless of course they're DCA troll's ;))

 

You have started to get control back of this part of your life and I'm fairly sure that as time passes and results form other things will not seem quite so bad

 

Keep plugging away and good luck

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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cheers m

 

i think about bancruptcy quite a lot thinking its the easiest option but feel i can fight if i put my mind to it

 

its gonna be a long road but as i have no job no work no life except this now i am gona give it a go

 

thanks for the suppport there m

 

i have other issues with for instance hsbc invoice fiancing and also my car is now in default

where should i put these threads?

 

thansk for the help - it will be passed on i guarantee that

 

thanks all

 

Hi S,

 

Both subjects I know nothing about (thankfully) particularly invoice financing!! Sounds pretty specialist.

 

Try posting up a question in the General Forum by starting a new link and post your question as the title.>>> Something like A Question On Invoice Financing!!!! Then in your post ask for a link or some advice on where to post. When you get an answer i'll pop a link up for you if no one else does it. No probs. Same for the car/HP.

 

Link to General Forum>>>>>

General - The Consumer Forums

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Maybe :). I see that you have Ell-enn looking in on your mortgage probs. You'll find her extremely helpful and knowlegdeable so you're in very safe hands there.

 

Keeping your house MUST remain your priority - all of the rest of this is secondary.

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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I Agree Totally

 

I Am Behind On Payments But This Could Be Addressed Im Sure

 

My Concern Is When My Deal Is Up Next Year Will They Offer Me A New Mortgage As I Have Got Behind On Payments

 

Make sure you tell Ell-enn everything that may help. She does some fantastic work on here and has saved so many homes. The more info then the more she can help you!!!

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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Something not mentioned yet seklof - was there PPI attached to this card? If you printed off any statements it will be at the bottom and will say 'Card Protection Payment' or something very similar.

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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subbing :)

 

Excellent :D.

 

Knowing Mr Carter i'm sure this will get interesting. Glad you're in!

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Something not mentioned yet seklof - was there PPI attached to this card? If you printed off any statements it will be at the bottom and will say 'Card Protection Payment' or something very similar.

 

M

is this issue to with carter or rent arears

 

sorry got a bit confused

 

what form will this be found upon

 

cheers m

beena abusy week for carter and shoosmiths and me

hi subber

what does this mean subbing?

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hi subber

what does this mean subbing?

 

You can subscribe to a thread (get notifications of updates) by just clicking the thread tools - but then no-one knows you're there.

 

As MandM knows I have 'working experience' with Mr Carter, so by writing subbing I was just letting you know I was hanging around :)

 

Good Luck

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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