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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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    • 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.

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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.
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      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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M6 speed camera catches 5,500 drivers in five weeks


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I'd bet that a high percentage of those 5,500 were pinged when the coned off section was empty, and no road crews were working. This has nothing to do with road safety, it's just another stealth tax to keep the overblown infrastructure of the nanny state in employment.

 

In most other countries, someone would be along with a Lee Enfield .303 to take out those SPECS cameras ... here in the UK we're too ready to put up with this sort of cr4p.

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... Don't speed - you won't be fined. If you do... tough luck.

... And this is where the whole pro-speed camera argument falls apart. There have been many cases, some well publicised, where speeding tickets were issued from a camera flash, and it was subsequently proved in court that the driver wasn't exceeding the limit.

 

In some of these, the driver had to take it to a Crown Court appeal to get the Magistrates' verdict overturned, risking lots of time and money to get justice.

 

I helped out in a case, and I still have the video at home, where the camera pans across the back of a vehicle on a dual carriageway, and clearly shows the car is under the 70mph limit. But then the officer starts zig-zagging the cross-hairs violently across the tailgate, and a reading of 85 pops up. We had to get an expert report from a video analyst to get the prosecution to drop the case.

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People have been accused of many crimes including murder and subsequently been found not guilty, thats hardly an argument against prosecuting people.

I would agree that prosecutions should not stop just because some defendants are not guilty.

 

However, with speed cameras, very few people are willing to risk taking the matter to a court hearing, the whole system is geared towards getting people to accept the fixed penalty, when in many cases the evidence wouldn't stand up if it actually went to trial.

 

If everybody who received a NIP and didn't think they were speeding, were to elect to go to court instead of meekly accepting the COFP, the whole rotten system would quickly grind to a halt.

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It's not up to the driver to prove he wasn't speeding, it's up to the Police / CPS to prove he was. In Mr Barker's case, they issued a NIP followed by a fixed penalty notice for an alleged 36mph, and it was shown in court that the primary and secondary readings differed by more than 10%, hence the charge was dismissed.

 

The point is that most people would have simply paid up, when in fact the inaccuracy of the camera meant they didn't need to, although I don't see anyone from Sussex SCP rushing to refund their fines / points.

 

As for the AA, who were originally formed to warn motorists of speed traps, they've clearly been "got at" by the establishment and their "safety camera" claptrap.

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