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    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
  • Our picks

    • 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
      • 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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Hello wise debt experts!

 

I believe my story is pretty typical, wont bore you too much!

 

I’ve amassed unsecured debt (Current accounts, loans, credit cards, mobiles contracts) over the years which stands around £6-7k at the moment.

 

Most of my debt is around 4 or 5 years old as I was served a CCJ around 5 years back which I have paid off.

 

I have had hundreds of letters from DCA’s regarding these bills which threaten court action but I have a feeling they have pretty much given up as the letters are always the same.

 

The biggest debt is around £2k which I haven’t heard from in over 12 months (HSBC Personal loan).

 

Due to paying off a debt which I received a CCJ for and some other debt at the time my girlfriend has loan which I pay for monthly of £200. Almost finished finally!

 

I believe that after a debt has been inactive for 6 years it is automatically remove from my credit file. This being true then in 24 month max then a lot of this debt might have disappeared??

 

To pay this debt off I would probably have to commit to around £200 a month for 3 years so I am weighing up the options of leaving the debt to run down…

 

The questions I have are:-

 

1) In the last year or 2 of my debt how likely am I to receive a CCJ on debts of sub £2k, most sub £1k?

2) Will the CCJ stay on my file for 6 years from the time it was issued or does it disappeared with the related debt??

3) If it does disappear with the debt can I ignore it??

 

Most probably daft questions but any advice would be gratefully received, I’m at a point where I would like to start a fresh and debating the best way of getting back to square 1!

 

Cheers

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Reporting of bad debts continues for 6 years after the default is registered.

 

There are Debt collection Agencies who specialise in purchasing very nearly "statute barred" debts and pursue vigorously.

 

I imagine the chances of you being issued with a claim depends on whether the company believes there is value in the claim or if they believe you are able to repay the debt.

 

TBH, I dont know if a CCJ stays on for 6 years after it has been issued or not, someone else will have to answer that question for you.

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Thanks for the reply.

 

I think the fact I dont own my house and I've basically had zero contact with them in recent times will give off a scent of 'this is a lost cause'...

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Anything is possible. Remember, DCA's don't live in the real world.

 

It is my understanding that CCJ's stay on your file for 6 years from judgement and not backdated to when the default was first issued.

As CitizenB has mentioned, defaults fall off 6 years after they are placed although they can take up to 6 months to be put on in the first place.

 

If you pay off a CCJ, you can get a notice of satisfaction which you can get placed on your credit file but in my opinion, it makes not one jot of difference. The words CCJ put most off!

 

If you got a CCJ and didn't pay it and they didn't bother chasing it for 6 years plus, they would have to go back to court to explain why they haven't chased it. A CCJ doesn't become Statute Barred.

 

One thing you haven't mentioned. With the exception of any overdrafts, have you tried to reclaim any overlimit/late payment/PPI charges that there may be on your accounts?

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Thanks Silver Fox for the advice.

 

I dont think I ever took out PPI. I have tried reclaiming about £600 of charges from HSBC but got rejected after the big court case.

 

I have a barclaycard debt which is around £900 however the limit on that card was only £350 so there must be a hell of a lot of charges on there! I got this card in 1999 when I was a Uni student! I really need to have a look at my credit file to see exactly when the debts will disappear.

 

Is it strange not to hear about a debt in 12 months? I owe HSBC 2 sums for my current account and personal loan but they 'appear' to have given up..

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Hello wise debt experts!

 

I believe my story is pretty typical, wont bore you too much!

 

I’ve amassed unsecured debt (Current accounts, loans, credit cards, mobiles contracts) over the years which stands around £6-7k at the moment.

 

Most of my debt is around 4 or 5 years old as I was served a CCJ around 5 years back which I have paid off.

 

I have had hundreds of letters from DCA’s regarding these bills which threaten court action but I have a feeling they have pretty much given up as the letters are always the same.

 

The biggest debt is around £2k which I haven’t heard from in over 12 months (HSBC Personal loan).

 

Due to paying off a debt which I received a CCJ for and some other debt at the time my girlfriend has loan which I pay for monthly of £200. Almost finished finally!

 

I believe that after a debt has been inactive for 6 years it is automatically remove from my credit file. This being true then in 24 month max then a lot of this debt might have disappeared??

 

To pay this debt off I would probably have to commit to around £200 a month for 3 years so I am weighing up the options of leaving the debt to run down…

 

The questions I have are:-

 

1) In the last year or 2 of my debt how likely am I to receive a CCJ on debts of sub £2k, most sub £1k? Depends entirely on the DCA and possibly the OC depending on the type of assignment. What you don't want to do is acknowledge the debt unnecessarily as it will restart your 6 years.

2) Will the CCJ stay on my file for 6 years from the time it was issued or does it disappeared with the related debt?? As Silverfox said, they never become Statute Barred, but after 6 years, anyone wanting to collect on the DCA would have to go back to court to explain why they haven't already pursued it in the past 6 years.

3) If it does disappear with the debt can I ignore it?? Bascially yes. It falls off 6 years after the date of default - keep an eye on your credit file and copies of it, as this date can sometimes mysteriously change when it gets into the hands of an unscrupulous DCA. After 6 years, although you still owe the money, no action can be taken to collect it. This doesn't stop some DCA's trying, but all you need to do is write to them and firmly tell them it's SB and they'll stop pursuing you.

 

Most probably daft questions but any advice would be gratefully received, I’m at a point where I would like to start a fresh and debating the best way of getting back to square 1!

 

Cheers

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