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    • 4.3(4) The court serves the claim on the defendant by sending a paper version of the completed online claim form to the defendant at the postal address given for the defendant. https://www.justice.gov.uk/courts/procedure-rules/civil/rules/practice-direction-51r-online-court-pilot Practice Direction 6A, paragraph 4.1 says: “[w]here a document is to be served by fax or other electronic means the party who is to be served or the solicitor acting for that party must previously have indicated in writing to the party serving – “that the party to be served or the solicitor is willing to accept service by fax or other electronic means; and “the fax number, e-mail address or other electronic identification to which it must be sent.” This means that delivery or sending court documents by email is not service, unless the other party expressly consents to it.
    • This should be a matter for the School Head to deal with, have you been to see them?
    • Just a very interesting point for the witness statement when needed, is that all the missives they've sent are demanding £160. The claim, again issued by their "expert" solicitors, is trying to extort £170. Naughty!
    • 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
    • Please have a look at the letter below. I made a couple of further refinements. We will try to finish it for tomorrow so that you can get enough tomorrow evening.   Also, I did ask you whether the same toilet which you installed was used to the new installation – you haven't answered this. Any reason for that? I also asked you about obtaining a statement from your electrician and you didn't respond to that either. Any reason for that? Also, I can't remember if I did ask you – had you already made a snagging this? I think I did ask you to give us a list of the snags but I don't think you respond to that either. It will be very helpful if you did address questions that we put otherwise the whole thing takes much longer much more than is necessary. In the end we will need information from you. You will have to provide 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
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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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What would you do with Wonga in this circumstance?


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Have just signed up to Checkmyfile and as this is now picking up Callcredit information a massive raft of entries from Wonga has been detected on my account going back to last year. In all there are 15 settled entries and 1 open entry where the noted currence balance is £2121.

This would probably link back to a loan taken out for £1088 over a one month period so with interest would have been £1300ish. At the time they very aggressively sought money from my bank account, they managed to take over £225 direct from the account even after i had cancelled my bank card. I still don't know how they managed to take this money as it wasn't available and put me £200 overdrawn incurring a whole load of additional charges and interest.

This was around the time i was made redundant and life was in significant upheaval, so i'll admit that my actions weren't the best but when your life is falling apart then you don't always make the best choices.

This puts me in the situation now where it's just about to go to default (it may already have as the last entry was April and at a 6) and i imagine the debts will have risen to £2500 ish by now at their earlier rate of progression. I haven't heard from them in a long time and although i no longer live at the address every other bit of communication has been via email so i would have expected correspondance to continue via these means.So it seems my options are as follows:-

1) Ignore it, take the limited hit that it only seems to be reported on Callcredit. This option is feasible as i don't live at the address they have for me as i had to move out due to lack of a job.

2) Talk to them and offer a reduced settlement figure and negotiate the removal of negative credit information running the risk of starting a period of harassment from them.

3) Allow the debt to go to default and then challenge that the majority of the debt consists of penalty charges and extortionate interest. By my calculations the one month loan + interest would be £1300ish, they have taken £225 from me so the maximum balance i could be defaulted on should be closer to £1050-£1100 shouldn't it?

What would you guys do?I already have one default currently registered by Mackenzie Hall so i'm already a little bit buggered for a few years anyways, advice?

Edited by Heropanda
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Don't have much knowledge with regard to these loans, but, to be honest negoiating removing anything from a credit file unless you have proof positive, is really a non-starter.

 

I really can't offer any advice as to the options you list, so hopefully others with more knowledge will be along soon.

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your actions wern't the best? Mate no one here will judge you. you've done nothing wrong!!the guys on here will no doubt advise you of the best way to go on. all i will say is i took onboard advice i have seen here and it's working! however nothing happens overnight so just bide your time (this is something i've had to learn since i have been here!)we are here for you mate!!

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