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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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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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      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.

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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.

      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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Breach of Data Protection Act - HBOS?


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Hi, I'm hoping someone can give me some advice regarding complaining about HBOS?

 

I have received word from mx ex-wife that she has been receiving MY quarterly bank statements for over 6 mths and knows exactly what my earnings are, where I've been and what my spending habits etc are. I find this totally unacceptable and she is now using some of this information against me in what is clearly going to be a messy and protracted legal separation.

 

My gripes are as follows:

 

1. In Nov 08 I changed my address with the bank however after speaking with a very apologetic customer representative today (after finding out my ex knew everything regarding my finances) she told me that although the new address was indeed on the system, it had not been updated correctly and both my previous and new address' were shown.

 

2. A 'glich' in the system (the customer representatives response) had resulted in my preferences for statements suddenly changing from 'e-mail' to 'by post' and quarterly statements have subsequently been sent to my previous address. This apparently has happened to a few customers before. My online account incidentally still showed me as paperless billing??

 

To say that this breach of privacy has caused me stress is a major understatement. What would have been a simple, straightforward and amicable separation has now become a minefield.

 

Can anyone please suggest a course of action.

 

Thank you for your time.

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Hi,

I requested for some old bank statements to be sent to me in December, however I did not receive them, so I called me bank again (Barclays) and they said they will resend them. After waiting a couple of weeks, they finally arrived! Well, I thought they finally arrived until I was looking over them. I have received someone else's bank statements. The covering letter was addressed to me, however the statements had someone else's name and address as well as bank transactions on. I am now wondering who has my bank statements. When contacting my bank they asked me to destroy this other person's bank statements and they will re-issue mine.

I haven't a clue as to what I can do about this situation, this has got to be a breach of data protection! Any advice?

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Hi Laurie,

I'd strongly advise that you contact the other person and inform them that their data security has been breached, which is a very serious matter. No wonder the bank told you to destroy them!! Don't-they are the property of the person named and should be sent to them...they will have a right to complain to the Information commissioners Office.

There but for the grace of God go any of us, and if we don't insist on safe custody of our personal details these slapdash transgressions will continue.

kind regards,

Elsa x

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