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    • Received this letter today after all this time !! Doesn’t sound like just a threat any advice please  Thanks  Photo.pdf
    • Good evening. Hoping to keep this short and concise. Any help really appreciated! Sent originated from council tax in 2019.  I moved address for a new career 240miles away in December 2019 and have lived here ever since.  A distant friend resides at previous address.  A CCJ was filed regarding this debt in January 2020 but no correspondence was received my end or at the old address.  Move forward to this year; early April I learn of a letter received from Bailiff - Notice of Enforcement dated 13/03. Stated I had ten days to settle a payment/payment plan or £75 will be added after ten days from 13/03 and bailiff instructed to visit.  Obviously I was unaware of this letter till well after the time period passed. Attempted to contact Dukes via email but zero response. Asked for breathing space in order to check the original debt with the respective council (I wasn’t awarded a week of Housing despite being on UC for a short period due to a contract date given by the old employer).  29/04 a note was left at the old address stating a bailiff had visited. New balance £310 more than original outstanding.  I’ve since contacted both the council and the bailiff agent to state I’m more than happy to settle the original debt over a payment plan but at this stage they will not remove the fees despite all correspondence not being sent to me and obviously me only seeing them much later than one would have expected.  Tried live chat today with the company and firstly was told the fees will remain because I spoke to the enforcement agent - I have never spoken to him/her.  secondly told the fees would remain because “I tried to use their web chat service to complete an income form” - I have zero recollection of doing this and I also wonder if it’s another tactic? any help on where I stand with the fees added would be incredible. Thank you
    • the evidence you have from Mercedes is perfect. simply write to both the finance company and the dealership that sold you the car, stating under the consumer rights Act 2015 should a fault appear outside of 6mts, it's for the consumer to prove the fault was present at time of sale. Please find enclosed a copy of said report from Mercedes at XXXX stating quite clearly that the windscreen was replaced on Date , some xxx months/years BEFORE my purchase on DATE. there is a bill to pay of XXX to XXX , i expect you to sort this out between yourselves , i am not liable for this. something upon those lines anyway.  
    • Not really. I just wrote it based upon my credit file data with screenshots and stuff.  Also referring to multiple data points. You need to read before sending or writing it.    I have plenty of experience in this stuff so takes me half hour to write something like this. For you itll take an afternoon probably. An additional day with it on your CRA wont cause a problem.     Reference Material; ICO Credit File Guide - https://ico.org.uk/media/your-data-matters/documents/1282/credit-explained-dp- guidance.pdf ICO Main Page For Credit - https://ico.org.uk/for-the-public/credit/ CMF Limitation Act 1980 - https://www.checkmyfile.com/articles/the-limitation-act-1980-and-debt-time-limits.htm Gov Limitations Act 1980 - https://www.legislation.gov.uk/ukpga/1980/58/2023-11-18 (Latest Version) Transunion 6 Years - https://www.transunion.co.uk/consumer/credit-report-help/how-long-does-information-stay-on-my-credit-report-for Equifax 6 Years - https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/Howlongdoesadefaultedorsettledaccountstayinmyreport Experian 6 Years - https://www.experian.co.uk/consumer/guides/defaults.html#:~:text=A default will stay on,you still%20owe%20them%20money
  • 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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ESA Appeal Advice


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Hello All, I have just received a letter from the DWP to say I have failed the ATOS medical. Even though I suffer from a severe form of Scoliosis I only scored 6 points. I am now considering appealing because there is no way I am capable of working. My query what is involved in the appeal? Do you send the medical certificate with the GL24 form or do you send the medical certificate seperately? Do you make the appeal by telephone? Once the appeal has been processed how long before you get paid? And, do you think is it advisable to request a written reasons why they arrived at their decision?

 

Any advice would be welcome

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Hello All, I have just received a letter from the DWP to say I have failed the ATOS medical. Even though I suffer from a severe form of Scoliosis I only scored 6 points. I am now considering appealing because there is no way I am capable of working. My query what is involved in the appeal? Do you send the medical certificate with the GL24 form or do you send the medical certificate seperately? Do you make the appeal by telephone? Once the appeal has been processed how long before you get paid? And, do you think is it advisable to request a written reasons why they arrived at their decision?

 

Any advice would be welcome

J

 

HI

According to Atos any certificates, doctors notes etc should be sent directly to DWP.

Complaints re failed assessments should be sent to DWP as they (their computer) is calculating the points.

Atos just do the assessments and their notes are sent to DWP.

I suggest you speak to your GP re certificates, but do make copies and post it recorded delivery.

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When appealing it is always wise to be represented by someone who has the relevant expertise such as Welfare Rights or CAB. However do not leave it to the last minute as they are up to their eyes in it. Secondly, also ask them to complete the GL24

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Appeal is either done on paper or oral. Oral is better - that way, they can see what you're like.

 

Asking for reasons why you were turned down will help you. I believe it also gives you an extra 2 weeks (so, 6 weeks in total) to submit your appeal.

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Thank you all for the quick replys. You been very helpful. I just have a couple more questions. Is it best to claim ESA or JSA while waiting for you appeal? And, to claim ESA do I have contact the jobcentre again?

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Ok, I failed my medical assesment. And I am going to appeal against the decision. Someone advised me that I should ask for a ESA 85 form. I have never heard of a esa 85 form. So if anybody knows of a 85 form I would be grateful if you can tell me where I can obtain one and describe the form to me.

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You just have to phone the ESA and request a copy, thay have to send you one on request, mine came very quickly. Make sure you are sat down when you read it and with company so you can sound off at the contents.....

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Just to make you aware that requesting your personal documents comes under section 7 of the Data Drotection Act. Though they may provide the report quickly in some cases, and may provide it if you asak over the phone, the law allows them up to 40 days to provide it from the receipt of a written request. You only have a month to get your appeal in from the date of the decision.

 

Do not delay in getting your appeal in. If it's getting close to a month and you still haven't received your report, get your appeal in. Also bear in mind that they will only re-start your payments once you have appealed and this will not be backdated to the date of the decision pending the appeal (it will however be backdated following a 'won' appeal). To appeal, use form GL24

You can extend the time limit for appealing by a further two weeks by asking for a written statement of reasons.

 

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My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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