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    • Read upload Tells you how with even online sites too Dx 
    • You could forward it to yourself but before you click send, take out your personal details. Does that help? Although I run this forum I am not a massive techie either! But we would like to see it and also to understand who is who – dates, et cetera. What you typed above doesn't really give many clues and certainly only contains one date and time and doesn't identify the order in which they were sent to each other.  
    • Hey, How can I put a copy of the email on here and still keep it confidential? I really do want to give you all the info you need but I'm not tech at all.  I've just emailed the mechanic using your quote as a template. I will let you know what the reply is. Thanks so much everyone
    • In the midst of the parties launching their manifestos this week, we have also received the latest labour market data […]View the full article
    • Thank you. We like to see also the exchange between you and the mechanic/garage telling about the gearbox. Also, send an email to the garage whose mechanic called you:   Get this email to them as soon as possible. Hopefully it will draw a response which will confirm what they say – but even if it doesn't draw response – as long as there is no denial then it is fine. Even if there is a denial, it won't be too important but it would certainly be nice to get a paper trail which supports what you say. Please send this off and come back here and confirm that you've done it
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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.

      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
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Hi

 

Can anybody offer any advice on the following scenario

 

I owe 28.5K (2 loans totalling 20k, 1 credit card 6k) my hours were cut at work approx 6mths ago and i have struggled along until now and its getting me down so i feel i need to do something about this financial mess im in.

 

Husband has a loan and credit card and never misses a payment and he can afford these with enough money left for us to just about live on but not enough to help me pay my loans.

 

We also have a joint overdraft of 5k

 

I have looked at an IVA for me only as we would like to keep my husband clear of any defaults if possible incase we need any credit agreements in the future.

 

I'm not sure when putting down joint responsibility for things like the mortgage ie how much i should pay ? The mortgage is £500 each month so do i put down £250 as my share and is everthing worked out 50/50 or should it be a percentage based on my earnings compared our overall income ? for example say he earns £1500 and i earn £500 the total income is £2000 and my income contribution is 25% hence should my mortgage contribution be 25% ? Hope this makes sense !!

 

Also how do we go on with the joint overdraft as i want to go into an IVA and my husband does not want to ? He cannot afford to pay this if the bank demand immediate payment as i suspect they will ?

 

And finally our mortgage is up for remortgage in 2 years time - How easy will it be to get a decent mortgage rate with me on an IVA ?

 

thanks in advance

Edited by axxo
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Hi

 

Can anybody offer any advice on the following scenario

 

I owe 28.5K (2 loans totalling 20k, 1 credit card 6k) my hours were cut at work approx 6mths ago and i have struggled along until now and its getting me down so i feel i need to do something about this financial mess im in.

 

Husband has a loan and credit card and never misses a payment and he can afford these with enough money left for us to just about live on but not enough to help me pay my loans.

 

We also have a joint overdraft of 5k

 

I have looked at an IVA for me only as we would like to keep my husband clear of any defaults if possible incase we need any credit agreements in the future.

 

I'm not sure when putting down joint responsibility for things like the mortgage ie how much i should pay ? The mortgage is £500 each month so do i put down £250 as my share and is everthing worked out 50/50 or should it be a percentage based on my earnings compared our overall income ? for example say he earns £1500 and i earn £500 the total income is £2000 and my income contribution is 25% hence should my mortgage contribution be 25% ? Hope this makes sense !!

 

Also how do we go on with the joint overdraft as i want to go into an IVA and my husband does not want to ? He cannot afford to pay this if the bank demand immediate payment as i suspect they will ?

 

And finally our mortgage is up for remortgage in 2 years time - How easy will it be to get a decent mortgage rate with me on an IVA ?

 

thanks in advance

 

Hi

 

Difficult to give you any clear answers as more information would be needed -

 

If you apply the percentage expenditure formula that you have mentioned what is the amount of disposable income you have left ?

 

Is there any equity in your home?

 

When you say you have looked at an IVA, could you elaborate further.

 

Have you looked at other solutions such as bankruptcy ?

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Hi

 

Can anybody offer any advice on the following scenario

 

I owe 28.5K (2 loans totalling 20k, 1 credit card 6k) my hours were cut at work approx 6mths ago and i have struggled along until now and its getting me down so i feel i need to do something about this financial mess im in.

 

Husband has a loan and credit card and never misses a payment and he can afford these with enough money left for us to just about live on but not enough to help me pay my loans.

 

We also have a joint overdraft of 5k

 

I have looked at an IVA for me only as we would like to keep my husband clear of any defaults if possible incase we need any credit agreements in the future.

 

I'm not sure when putting down joint responsibility for things like the mortgage ie how much i should pay ? The mortgage is £500 each month so do i put down £250 as my share and is everthing worked out 50/50 or should it be a percentage based on my earnings compared our overall income ? for example say he earns £1500 and i earn £500 the total income is £2000 and my income contribution is 25% hence should my mortgage contribution be 25% ? Hope this makes sense !!

 

Also how do we go on with the joint overdraft as i want to go into an IVA and my husband does not want to ? He cannot afford to pay this if the bank demand immediate payment as i suspect they will ?

 

And finally our mortgage is up for remortgage in 2 years time - How easy will it be to get a decent mortgage rate with me on an IVA ?

 

thanks in advance

 

Hi

 

Difficult to give you any clear answers as much more information would be needed on your overall circumstances

and It may be problematic to enter an IVA on your own.

 

If you apply the percentage expenditure formula that you have mentioned what is the amount of disposable income you have left ?

 

Is there any equity in your home?

 

When you say you have looked at an IVA, could you elaborate further.

 

Have you looked at other solutions such as bankruptcy ?

 

Your husband would be left liable for the overdraft if you go down any of the formal insolvency routes

 

Some up to date info on IVAs below that might help -

 

http://www.insolvency.gov.uk/insolvencyprofessionandlegislation/policychange/foum2007/plenarymeeting.htm

 

Apologies for the post duplication

Edited by Wintry
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Thanks for your reply

 

I have been on the CCCS website and filled in my details applying the above formula and i have roughly £190 left and their site is suggesting an IVA. We have approx 35k equity in the house. We have looked at remortgaging (I know may on here say don't turn unsecured into secured debt) but its not looking likely anyway as we have been turned down by 2 lenders now.

 

Thanks for the link but i cannot get it to work

 

axxo

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Hi

 

Difficult to give you any clear answers as much more information would be needed on your overall circumstances

and It may be problematic to enter an IVA on your own.

 

 

Not really 'difficult' to give answers if you have been through it. If you havent I guess it would be.:mad:

 

Had the same situation see other threads (my partner had the good credit rating)

 

The person in question can PM happy to answer based on my experience

 

ps I enter an IVA on my own it wasn't problematic

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Not really 'difficult' to give answers if you have been through it. If you havent I guess it would be.:mad:

 

Had the same situation see other threads (my partner had the good credit rating)

 

The person in question can PM happy to answer based on my experience

 

ps I enter an IVA on my own it wasn't problematic

 

Hi stewpots

 

Not difficult, PMs ?

 

Dont be modest, shy or vain, why not give and share your advice on this thread ?

 

PS - Anybody thinking of an IVA - No situation is the same and very risky to advise without knowing the full details, any good IP will always tell you that.

 

Thousands of IVAs have failed or do not run their course, always best to make sure that you get full, appropriate advice and that you understand what you are going into (especially if you have assets such as your home).

 

Forum posters such as stewpots are very unlikely to be around to catch you if you fall.

 

That I can assure you of :)

Edited by Wintry
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Hi stewpots

 

Not difficult, PMs ?

 

Dont be modest, shy or vain, why not give and share your advice on this thread ?

 

PS - Anybody thinking of an IVA - No situation is the same and very risky to advise without knowing the full details, any good IP will always tell you that.

 

Thousands of IVAs have failed or do not run their course, always best to make sure that you get full, appropriate advice and that you understand what you are going into (especially if you have assets such as your home).

 

Forum posters such as stewpots are very unlikely to be around to catch you if you fall.

 

That I can assure you of :)

 

Hence the PM my friend :)

 

My 'advice' would be based on my experience and may as you say not be suited to anyone else and so is not suitable for a public forum

 

What I wouldn't say in a public forum based on no experience is that it would be difficult to get a sole IVA etc etc, it seems you have now acknowledged that , ie you dont know:-)

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Hence the PM my friend :)

 

My 'advice' would be based on my experience and may as you say not be suited to anyone else and so is not suitable for a public forum

 

What I wouldn't say in a public forum based on no experience is that it would be difficult to get a sole IVA etc etc, it seems you have now acknowledged that , ie you dont know:-)

 

Hi stewpots

 

It is never wise to assume, and I have acknowledged nothing.

 

I deal with IVAs almost every day and have done for years.

 

Where did I actually say that it would be 'difficult to get a sole IVA' ?

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I have looked at an IVA for me only as we would like to keep my husband clear of any defaults if possible incase we need any credit agreements in the future.

You would need to have at least £100 surplus after a joint income and expenditure has been taken into account to try for an IVA. However, if this is the case and you are eligible to try for an IVA, your husband's debt payments can be allowed for within your income and expenditure. There is also the option of your husband setting up a debt management plan of his own alongside your IVA.

I'm not sure when putting down joint responsibility for things like the mortgage ie how much i should pay ? The mortgage is £500 each month so do i put down £250 as my share and is everthing worked out 50/50 or should it be a percentage based on my earnings compared our overall income ? for example say he earns £1500 and i earn £500 the total income is £2000 and my income contributionlink3.gif is 25% hence should my mortgage contributionlink3.gif be 25% ? Hope this makes sense !!

I understand that you may work out your bills this way, however, for the IVA, your creditors require a full joint income and expenditure. Therefore you would need to show the full mortgage and full bills. Your husband's income would be shown on the budget but would be cancelled out by all of his expenses i.e his share of bills, debt repayment, car costs etc.

 

Also how do we go on with the joint overdraft as i want to go into an IVA and my husband does not want to ? He cannot afford to pay this if the bank demand immediate payment as i suspect they will ?

Your joint overdraft would need to be included within your IVA. You would need to change bank accounts to someone not linked to your old bank, and move all income over to this account, including your husbands. This is because the IVA company will need to contact all creditors eventually, and if your income is still going into your old account, they could freeze any monies going into this account to repay the debt. You would make your own individual offer in the IVA, depending on how much your monthly payment is. For example, if you propose a 15% offer to the IVA, your 15% would be included in the IVA, but your husband would still be liable to pay back the remaining 85% of the debt, which he can include as part of his own arrangement, or in a debt management plan to help clear this too. As you both took this overdraft out, you are both 100% liable for the full amount.

 

And finally our mortgage is up for remortgage in 2 years time - How easy will it be to get a decent mortgage rate with me on an IVA ?

IVA : Can I Get A Mortgage When I Am In An IVA?

Have a read of this, and this should help to answer this question or any other property queries you may have.

 

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