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    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • 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
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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 
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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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DVLA Dont have records of Driving License HELP !!


James101
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Hello All !! new to this, but really could do with some help / advise.

 

My partner had a minor car accident back in March.... the police attended and asked her to produce her license. Some weeks before the accident, she had sent her license off to the DVLA for a change of address, and had not received it back at the time of the accident. So she called them to see where it was.

 

The DVLA told her they had not received her license in the post, and moreover, they did not have records of ever issuing one to her.

 

DVLA confirmed she passed her test in 2006, but they dont have records of her applying for, and then issuing the full license...... subsequently, her provisional which she passed on has expired.

 

Therefore, in October, her insurance company revoked her insurance, She's been to court and charged with driving without a license, 6 points and a fine, and DVLA are saying she has to retake her test.

 

On top of that, I am really concerned that the insurance company will come after us for the costs of her accident in March, as (According to DLVA), she was diving without a full license, and therefore, the insurance would be void !! :!:

 

She has never had an accident before, no speeding ticket, no producer....... so no-one has a copy of the license and she did not make a copy before sending it off to the DVLA!!! :!:

 

I am continuing to write letters of complaint to DVLA and been in touch with my MP on the matter, but it this doesn't work, where to i go for here ? Do i keep on fighting them, or give up, and accept the possibility of a) Paying for additional Test b) Paying £4k+ each year for insuring her (coz she now has 6 Points on her license) c) Possibly pay £10k+ for her accident :!:

 

We have family and friends (all who are professionals) who can vouch that they have psychically seen her license at some point over the past 4years, including me, but just because DVLA computer says "no", its could ruin us financially.

 

Thanks for reading this.........any advise welcomed :-)

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I'm afraid to say we rarely hear of successful challenges to the DVLA claiming you have no licence or it doesn't include the class of vehicle you are driving. Most common ones to disappear are motorbike category and HGV, even when that vehicle is what you do for a living!

 

Best action is never send the DVLA anything that you don't have a copy of, or better still, do it on-line and get your new one before you even release your old one out of your hand

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There is always hope. But not where DVLA is concerned. They are ALWAYS right, especially when they are wrong!

 

One glimmer of hope. Have you ever had a copy of your licence taken for ID at a bank, building society, work, loan application or especially for insurance? It is well worth thinking hard and if so getting a copy of said licence back from them. Once you have a photocopy there is no better proof.

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I am unsure of this but in order to get the full licence don't you need to make some sort of payment? If this can be demonstrated, i.e. cheque, debit card payment, then maybe you have a chance.

 

No. there is no payment to be made when you pass your test and convert your provisional licence into a full.

 

What DVLA are implying is that she passed her test but failed to surrender her provisional (plus pass certificate) to them within the 2 years that is allowed for such a conversion. After this, the "pass certificate" lapses and, effectively, you have lost your right to drive without taking a theory and practical test again.

 

Normally the examiner offers (and of course most people accept) to send your licence away for you at the end of your test. Didn't this happen for your partner? If so, the test centre may have a record of doing so.

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Hello ALL, .... Thanks for your comments.

 

We have thought of every possible way to prove she was issued a licence..... but she has never used it for ID anywhere.

 

However, latest development....... one department in DVLA have sent us a letter 2 days ago which basically said

 

"Please return your licence to the DVLA so that her licence can be endourse"

 

NOW..Problem with this being,..... A) She got 6 points for driving without a Licence..... so how can she return it for endorsement ??

 

In addition, it also says "DVLA have therefore withdraw your right to Drive as of 29/11/10".......

 

SO, are the DVLA say she had the right to drive from passing her test up to and including 28/11/10...... and it THAT'S the case, how did she get 6 points for driving without a licence ?

 

In addition, this DVLA letter also stated her full driving licence number.... something which we never had before (well we worked out the first 13 charters, but could work out the rest...... and DVLA said in phone calls to them, that they couldnt trace her licence number with only 13 charters)...

 

Its a mess !!........ anyways, the appropriate reply letter as been sent to DVLA..... and also our MP has written to DVLA Chief Executive.

 

Sooooooooo may have good news soon ?

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The driving license number sounds like a good start and hope that works out for you. But... do you think they could be referring to the provisional license used to pass the test with? If so it would make sense that they have revoked the right to drive, even on provisional and will have something to endorse.

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its possible they're referring to her provisional licence number..... but still not had any reply from DVLA to my 16 November letter.

 

I'm clinging onto the fact that her provision should have expired 2years after passing her test.... and after which, she should have become unable to drive legally which should be well before 28-Nov-10....

 

Therefore, how could the DVLA state that she had a right to drive up to 28-November-10?

 

Anyways, letter received from Insurance Company now asking for a "copy of her full driving licence" to aid them with their enquirers into here accident"......OH JOY !! Think we all know what this means !! :!:

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