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    • Maybe post a draft up here for the team to take a quick looksee before you send it?
    • Perfect thank you. I will try that next then. Thanks for the advice
    • Hello all, following this thread I opened about one year ago: I waited a year before posting again about this, because sometimes you can find similar discussions but with no follow up, and when someone receives such email may go into panic and wants to read something comforting. Well, my last email to that 'kind person' was dated may 2023 and it said that the ip address was not belonging to my company, nor to any person working in my company, and that I didn't know how they could link geographical coordinates to my company. My last sentence was that they could request to the internet provider releasing that ip address name and surname of the owner, and that they would find that it didn't belong to my company (and btw...this was the truth). I also added that I had to report him to local authorities if he continued to write to me or to any of my colleague. STOP. He still replied that geographical coordinates are provided by wifi triangulation. Pathetic...this email had no reply from me. From then, no new email from these people. So advices are still valid, ignore totally.  
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • ok as to date your have not involved the finance co. as it's THEIR CAR, i would be writing a simple, brief letter to them, outlining what to date with bullet points has happened and asking them to get it sorted FOC to you.
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
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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
        • Like

SPML Capstone Mortgage corp. EVICTION CANCELLED


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Ell-en has helped hundreds of people she is off line at the moment but im sure she will be about tomorrow you have time it will take a week to get the warrent and then 14-21 days for a date to come through or longer so if you can pay Octobers and possible Novembers before any hearing it would be good

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Ell-en has helped hundreds of people she is off line at the moment but im sure she will be about tomorrow you have time it will take a week to get the warrent and then 14-21 days for a date to come through or longer so if you can pay Octobers and possible Novembers before any hearing it would be good

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Hi there, sorry to hear you are in this situation. Try not to worry too much, we can always do something to help. Also, don't feel you have been stupid - people find themselves in financial difficulty for all sorts of reasons and if you read around this repossession forum you will see how many people have been (and still are) in your situation. You mustn't allow blame or shame to cloud your determination to resolve this situation, and we are all here to help you do just that:)

 

The best advice is to carry on making payments until you hear anything else. If SPML do apply for an eviction order we will enter a N244 application to have the eviction stopped (I can help you with that, so don't worry). Provided you have an income and can demonstrate that you can pay something towards the arrears you will be ok.

 

Did you attend the repossession hearing in May?

 

Kind Regards

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, sorry to hear you are in this situation. Try not to worry too much, we can always do something to help. Also, don't feel you have been stupid - people find themselves in financial difficulty for all sorts of reasons and if you read around this repossession forum you will see how many people have been (and still are) in your situation. You mustn't allow blame or shame to cloud your determination to resolve this situation, and we are all here to help you do just that:)

 

The best advice is to carry on making payments until you hear anything else. If SPML do apply for an eviction order we will enter a N244 application to have the eviction stopped (I can help you with that, so don't worry). Provided you have an income and can demonstrate that you can pay something towards the arrears you will be ok.

 

Did you attend the repossession hearing in May?

 

Kind Regards

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thanks Ell-enn, no we didn't attend the repossession hearing although now in hindsight I know we should have, but it was a case of us burying our heads in the sand. We now have a monthly income of around 1700 per month now that my partner has got a new job. After we have paid October's payment we will be setting up a monthly DD from a new bank account that we are setting up, purely for the mortgage payments. Will that stand us in good stead with the courts, should it get that far?

Thanks again,

scared79 xx

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Thanks Ell-enn, no we didn't attend the repossession hearing although now in hindsight I know we should have, but it was a case of us burying our heads in the sand. We now have a monthly income of around 1700 per month now that my partner has got a new job. After we have paid October's payment we will be setting up a monthly DD from a new bank account that we are setting up, purely for the mortgage payments. Will that stand us in good stead with the courts, should it get that far?

Thanks again,

scared79 xx

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Hi there, if you can keep making payments until you hear from SPML that will help your case. We can then put everything together for an N244 if need be.

 

In the meantime you could write to them, enclosing your budget sheet, explaining your circumstances and offering the payment towards arrears, this would show the court you have tried to come to an arrangement.

 

If you need me to draft a letter for you I'm happy to do so.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, if you can keep making payments until you hear from SPML that will help your case. We can then put everything together for an N244 if need be.

 

In the meantime you could write to them, enclosing your budget sheet, explaining your circumstances and offering the payment towards arrears, this would show the court you have tried to come to an arrangement.

 

If you need me to draft a letter for you I'm happy to do so.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thanks Ell-enn that would be absolutely fantastic if you could draft a letter for me, Im rubbish at putting things to paper. I would really appreciate it.

 

scared79 xxx

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Hi there, OK, I'll draft a letter for you - when you said you were unable to pay in August and September because your youngest daughter was in hospital, was this due to travel costs or unpaid days off work etc? just need to know what to put in the letter to explain.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, OK, I'll draft a letter for you - when you said you were unable to pay in August and September because your youngest daughter was in hospital, was this due to travel costs or unpaid days off work etc? just need to know what to put in the letter to explain.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi, just one more thing - have you only missed the £200 extra in August & Sept or have you missed the normal monthly payment as well?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi, just one more thing - have you only missed the £200 extra in August & Sept or have you missed the normal monthly payment as well?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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