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    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
    • Hi all, I wanted to update you and thank you all for your help. I am delighted announce that after the case was struck out due to no response from Evri, judgement was issued after I submitted the forms and I was just about to take it to warrant.  today I received an email from the claims department requesting my bank details to make payment for my full award. The process has been long since the initial proceedings  in January i must say your help and guidance has been greatly appreciated.  
    • Quote of the century "Farage pops up when the country’s at a low ebb; like a kind of political herpes" - Frankie Boyle Updates
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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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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OK I will try and explain the situation as clearly as I can it's a little complicated (or it is from my eyes)

 

I have three loans, all unsecured - 1st - £25,000 - 2nd - £10,000 - 3rd £15,000.

I also have an argos card with a debt of £700.

A sofa I got from DFS worth £1800.

I owe the tax man £1800.

 

and now I have lost my job (well my self employed work has fallen through) and in this economic climate am very very unlikely to get another job with the same earnings.

 

I was self employed so didn't get payment protection.

 

My long term partner owns the house we live in and it's solely in his name.

We have a car which he bought but I am down as the "registered keeper" as he just learning to drive, contacted the DVLA and they say they no longer deal with legal ownership.

 

We have four children and life is about to get very tough as I can't see away to repay these debts without my old job.

 

One of the loans I have only had for a short time (4 months for home improvements) as I had no idea I could lose my job.

 

If I did become bankrupt - could my partner lose the house? Could they take the car (it's nothing flash just a Zafira)? Could they take everything in our house? Will they want to take the sofa if I can't afford the repayments on the sofa? Can I do anything to protect the childrens belongings?

 

I can't eat I can't sleep, I am really worried for my family. I feel like the life I had has just been pulled from under me.

 

Help!

Edited by RedCherry
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If I did become bankrupt - could my partner lose the house?

Not if the house is solely in his name.

 

Could they take the car (it's nothing flash just a Zafira)?

Depends on the value of the car and what it is used for, normally anything under £2000 is safe.

 

Could they take everything in our house?

Nope. Not unless you have expensive paintings and stuff.

No one will call to your house.

Will they want to take the sofa if I can't afford the repayments on the sofa?

Nope. You need something to sit on!

 

Can I do anything to protect the childrens belongings?

The children's stuff cannot be touched.

 

I can't eat I can't sleep, I am really worried for my family. I feel like the life I had has just been pulled from under me.

 

Help!

 

 

Try not to worry about it, the nice people on here will help you. :)

I'm going through the whole bankruptcy thing myself, was adjudged bankrupt in April of this year and I have to say the whole thing is not that scary!

 

Are all of the loans solely in your name?

Do you have any joint debts or accounts?

 

Its a good idea to do an income / expenditure list so that you can see what you have coming into the house and what you have left over at the end of the month.

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RedCherry

 

As rapterman has stated you've come to the right place, unfortunately I don't have sufficent knowledge to help. But it would be an idea to check all loan documentation to check that it hasn't been added without your consent. Stop worrying you will get back in control.

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  • 2 weeks later...

The loans are in only in my name.

No we have no joints debts or bank accounts.

 

I called the bank to cancel a DD today and was told that Northern Rock might still be able to take money out of my bank. I thought once you'd canceled a DD that they couldn't take anything more out of your bank? If they did try to take anything I am going to end up with bank charges as there is nothing in the bank!

 

I have been trying sooooo hard to find some work so I could keep on paying for some of the loans but it's not going so well.

 

How will it stand that I have not long ago got a loan and can't afford to keep up the repayments? I got the loan in April 2010 for some home improvements.

 

:(

Edited by RedCherry
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The loans are in only in my name.

No we have no joints debts or bank accounts.

That's actually good news, makes things a little easier if you do go down the BR road.

 

I called the bank to cancel a DD today and was told that Northern Rock might still be able to take money out of my bank. I thought once you'd canceled a DD that they couldn't take anything more out of your bank? If they did try to take anything I am going to end up with bank charges as there is nothing in the bank!

Once the Direct Debit has been cancelled they cannot take any money out of your account, as long as it was cancelled in time, usually about two or three working days.

Is your current account with the Northern Rock?

 

I have been trying sooooo hard to find some work so I could keep on paying for some of the loans but it's not going so well.

 

How will it stand that I have not long ago got a loan and can't afford to keep up the repayments? I got the loan in April 2010 for some home improvements.

If you do go down the bankruptcy route then yes, you will be asked about this loan. As long as you can show that the loan was used for house improvements and at the time when you took out the loan you had the intention and means to pay it back, then you should be okay.

Basically the Official Receiver is just looking to make sure that there were no fraudulent motives when taking out the loan, i.e people who know that they are going bankrupt but take out credit anyway.

 

:(

 

Have you looked into a DMP or an IVA?

The total debt listed is £54,300, so a DMP will take a very long time.

An IVA would only work if you have some disposable income, and at the moment that doesn't seem likely.

BR might be your best option.

 

Have you contacted your creditors?

If you have not done so it would be wise to do so, contact each one of them explaining your situation. In writing only!

Do not pay anyone more than you can afford, some of them will be pushy but just hold your ground and don't give any creditor preferential treatment.

Edited by rapterman
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Is the property in positive or negative equity, and why is it in her nae only

 

She doesn't own the property, her partner does, and it's in his name only.

Edited by rapterman
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Hiya

 

I have just read the thread. With regards to bankruptcy, as above, if this is in your partners sole name, this will not be affected, as the debts are in your sole name. This would be a quick option, and would take 12 months to clear your debts. However, you would need to take into account the stigma that can be attached to bankruptcy - it can be issued in the paper, can affect future employment etc. There is also an upfront cost to bankruptcy of £600, but this can be claimed back if you are on benefits.

 

With regards to the IVA, it would really depend on whether you have any surplus income to pay into this each month as to whether it would be an option for you. You would need at least £100 surplus each month to set up an IVA.

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Hi

 

Just because the property is in your partners sole name doesnt automatically protect he house. If there is any equity in the property then the official reciever would try to establish if you have a beneficial interest in the property. This is where you could be entitled to a share of the equity even if your not on the mortgage.

 

It would all depend on:

how long you lived there

did you have a property previously

what do you pay towards the house on a monthly basis

have you made any improvements to the property.

 

If the house is in negative equity then its ok because there is nothing for you to have an interest in.

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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  • 3 weeks later...
sorry i meant what is the equity and why is it in his name only

 

 

The property was an ex council house which the tenancy was in just his name so he bought it with a un-secured loan. He has a contract which states the house can not be sold until 2012.

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Hi

 

Just because the property is in your partners sole name doesnt automatically protect he house. If there is any equity in the property then the official reciever would try to establish if you have a beneficial interest in the property. This is where you could be entitled to a share of the equity even if your not on the mortgage.

 

It would all depend on:

how long you lived there

did you have a property previously

what do you pay towards the house on a monthly basis

have you made any improvements to the property.

 

If the house is in negative equity then its ok because there is nothing for you to have an interest in.

 

So are you saying they could make him sell the house?

 

We are not married but are cohabiting.

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  • 3 months later...

hang in there i know how u feel we are up to our eyes and have had soeone come to the house tonight regarding morgage arears my hub wants to declare bankrupsy but just so scared all the time things will get better eventually u have to believe that x x x x

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