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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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    • If you are buying a used car – you need to read this survival guide.
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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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      Many thanks 
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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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Hi i have an agreement with 2 other pdl and possibly 1 other

 

 

but payday express arent interested

?

 

I owe Payday express £500 i i emailed them 5 times with offers of repayment £50 for 4 months then £100 til balance is cleared

 

they have just emailed me saying the loan will keep being deffered?

how many times can they do this ive said i cannot pay?

 

i now owe £615 according to them?

 

any advice would be great

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I told them i am in difficulties at the moment and offered a plan

 

any idea how many times they can add on a deferral payment ?

 

Just make it clear you won't pay it. Hold out for original loan plus one month interest only. No agreement - no pay. Have you cancelled your card? You need to stop the roll over situation.

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Hiya

 

Thanks for all the advice

I told them i am paying1month interest ony and gave them a repayment plan

 

I just received this email,id rather keep it to email?

As previously advised you will need to call our offices on the telephone number below to discuss repayment options. No further reply will be made via email.

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Just keep emailing them and say no further contact will be made if they don't communicate in email or writing. They're usually quite reasonable to deal with so I'm sorry you've encountered a less good person!

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  • 2 weeks later...

I have had problems with Payday Express and now they have taken £490 out of my account and the money wasn't available! I missed one month to rollover the loan and pay the interest of £80. I emailed them on numerous ocassions to say I wanted to set up a payment plan. All I had back was an email to say to call them.

 

Then I spoke to them last week, and explained that I had financial problems and family issues and couldn't pay the whole debt and wanted to set up a payment plan. They wanted an income & expenditure breakdown, and a letter from my employer to say why my income had reduced!! As if I was going to ask my employer for that! I just replied to them to say that I wasn't going to ask my employer for a letter as this matter was personal to me and I didn't want work to know about it. I was so annoyed at their lack of understanding and help, that I hung up. Now, I have looked at my bank account today and they have taken £490 from my account, via my debit card details, and I only had £7 in the account. Now it has caused me so much stress as my account is now overdrawn and I will be charged. Not to mention the fact that I can't pay any further direct debits out or payments for mortgage etc until I clear the amount overdrawn.

 

I phoned Payday Express and basically all they referred me to was the terms and conditions. I have looked at these, and it does say that they will keep trying my account for the money.

 

How can they get away with this????? I was willing to make an arrangement and they just go in and take money that isn't there!!! They haven't even given me chance to do anything!

 

I would like to hear from anyone who has had the same experience, and managed to do anything about it. :confused:

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Sorry to hear that tweeny.

 

Typical pay day loan response if they have your card details. Report card stolen as pde may decide you owe them some more.

 

I hate to say it but you may have to put it down to experience. Pde don't give a damn about you and will certainly not give you the cash back.

 

Sorry I can't be more positive.

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PDE have been the only company that refused my offer of payment and demanded an I&E AND a letter from my employer! They took the money anyway. They are quite rude and patronising when you ring them as well. I was basically called a "debtor" instead of a "customer" when I mentioned about the "Treating Customers Fairly" FSA guideline. They are pratts!!

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i think they can if you default they have the right to accept your plan based on the information you give them. What's the big deal with filling out the form anyway.!?

 

The main problem with the I/E form Is that the company could decide what you can afford to pay. Of course if you have multiple debts your available income could change so you need to keep some back. Pde express for example will onlybe interested in maximizing their repayments.

 

They don't need this info and have no right to it.

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