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    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
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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
      • 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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I have several payday loans which are now at the point that I can no longer afford, so I decided to do something about it and contact CCCS. They were very helpful and have arranged a DMP for me which will start on the first week in September.They have also provided me with a letter template to send to the PDL companies advising that I am entering into a DMP and that they will be contacted by the CCCS.However, I have repayments that are due this Friday and wanted to know if it is best for me to contact some of the PDL companies to arrange some sort of repayment plan before I default, or do I just default and let CCCS handle it ?I currently have 7 PDL's....3 of which are £200 or less. Would it best for me to pay these 3 this month (I can afford to clear at least half of the debt with these 3 this month) and then default on the rest ?I'm just a bit unsure on how to proceed. I can't help thinking that it would be best to contact these companies before I default to have some sort of repayment plan in place...but at the same time I don't want to undermine anything the CCCS will be doing on my behalf.Please help.

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I am also with CCCS and they told me that if I can afford to save some money and pay off a debt in full, this is a good idea. I am not in that position at the moment- cant save a penny right now.

 

I think cccs would support you if you are in the position to pay off a debt in full but you would have to contact cccs so they can remove that creditor form your DMP then in September another creditor would get a little more.

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Thanks, I will pay off those I can afford to this month, but I'm unsure whether to simply default on the rest and wait for CCCS, or try and setup a payment plan myself before defaulting. If I do then it kind of negates the need for CCCS to be involved. If I can get these companies to agree to payment plans then I don't mind not using CCCS, but I didn't think they'd agree to repayments plans without them which is why I contact them in the first place.

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I did the same, but since then several have agreed payment plans, like you I no longer see the need for them(CCCS), the ones who havent agreed have broken so many OFT guidelines that they can wait now.

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OK, a little update after emailing PDL companies.I emailed Wonga advising of my situation. They instantly accepted my proposal of £50 per month for the next 4 months with a final payment of £8. Considering I only owe them £208, this is a better response than I had hoped for.Let's hope the next few replies are as accomodating.

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Does anyone have an email address for Mr Lender please ? They only have a contact form on their website, and I would like to send all correspondence from my own email address so that I have copies of sent emails.

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Ok here's a further update. So far the PDL companies I have spoken to have been reasonable :

 

WONGA - Payment plan arranged. No additional charges or interest.

MR LENDER - Payment plan arranged. Just had to pay 1 months interest.

UNCLE BUCK - Payment plan arranged. Just had to pay 1 months interest.

PAYDAY UK - Will respond tomorrow with proposal.

PAY DAY EXPRESS - Waiting for a reply

EARLY PAYDAY - Was only a small amount so I paid them in full.

QUICK QUID - Waiting for a reply

LIQUID ADVANCE - Was only a small amount so I paid them in full.

 

Fingers crossed that the rest can offer a reasonable payment plan, and if all goes well I'll be rid of all of these by then end of the year :)

Edited by BurnCK
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