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    • Checking hi-tech with low tech - Wales leading the way Growing Mid Wales, an organisation set up to bring together the private and public sectors alongside the Welsh Government, has launched a mobile mapping project to track areas of poor mobile phone signal Powys and Ceredigion. They will be using bin lorries which have signal detection equipment installed, and thus able to create a comprehensive map of mobile 'not-spots' in the area, since those vehicles will be visiting just about every property in the area on their usual rounds. Just a moment... WWW.THINKBROADBAND.COM  
    • Hi there   thank you for the reply. No, it's not a silly question at all. I am convinced I didn't hit anything with my car. I was going very slowly and it was the guy standing next to his lorry in the road who punched and kicked my car as I went by. It's cause I saw him do it in the mirror.  I initially thought he did it because he thought I was passing him maybe too closely whilst he was messing around with his lorry ?  That's why I stopped and got out and asked what he thought he was doing hitting my car. He then just hurled abuse at me. Not making any accusations such 'you hit me' 'you hit my lorry' or you did this or that. He just swore and shouted at me. At which point I said I would be making a complaint to his company for his threatening behaviour and vandalism for punching my car. I went to my car , got my phone to take a photo of his number plate but then he came towards me again and I thought if he now hits me I am going to come second. I am a woman in her mid 50s travelling on her own and this guy looked like a Millwall football supporter (short, rotund, skin head) so I decided to leave this situation. I got back in my car closed the door and drove off before he could reach me.  I later checked my phone and noticed the photo was too blurred, as I turned and rushed back to my car too quickly before the camera could focus. So I thought it was pointless making a complaint as the guy couldn't be traced anyway, so I forgot all about it until yesterday. But this is all I can think of, it must have to do with this incident as it is in the same street.   
    • Please read the following thread very carefully. It is extremely relevant where you are suing Evri on the basis of a contract which you originally made with Packlink who are domiciled in Spain. A judgement has been obtained and we have applied for transcript and it will be put up on this thread as soon as we receive it probably about the end of July. In the meanwhile, read this thread, see what has been discovered about the Packlink/Evri/customer relationship and look at the witness statement very carefully. It's a long thread but don't give up. Once you have the transcript of the judgement, then I will do a more careful and explanatory post here   https://www.consumeractiongroup.co.uk/topic/459707-evri-lost-my-ebay-parcel-£844-court-claim-issued-judgment/
    • So if the breach occurred say Dec 2017 (first missed payment) and the default notice was issued Sept 2018 and the claim was issued 7th June 24 the claimant will of course be arguing it is within the limitation period (by 3 months)
  • Our picks

    • 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.

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      Many thanks 
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    • 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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Engage Trying to evict me- Help+ lots of Fees to get back ! EVICTION STOPPED


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Hi

 

Last year we were in mortgage arrears and were told we would be taken to court, they were after a possession order. Stupidly I didn't get legal advice due to cost and my local CAB being unavailable pretty much all the time. The Mortgage company said if I arranged an amount per month with them in additional to my payments they would just get a suspended possession order and I needn't attend court (bad advice it seems but I was naive).

 

so they got their suspended order and we started paying it, but then had some work difficulties and went through a period of not being able to pay the full amounts.

 

Now they are saying they are going for an eviction though no date is through yet. There want a large lump sum, I don't have one. Help!

 

I have filled in an income and expenditure which proves I can now afford the regular monthly payment, the spo amount and a small additional amount towards the arrears but it sounds as if they won't agree and just want possession now. Will they get it?

 

There are a few hundred £'s of insurance payments on there which they say they will remove due to me already having buildings insurance elsewhere.

 

They have bought this mortgage off another company which were charging me arrears charges of around £55 a month too. Can anything be done about that? Because if all of those things came off we would be a bit nearer to making a dent in the arrears?

 

Basically help! I have three kids and am worried sick!

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Hi

 

Last year we were in mortgage arrears and were told we would be taken to court, they were after a possession order. Stupidly I didn't get legal advice due to cost and my local CAB being unavailable pretty much all the time. The Mortgage company said if I arranged an amount per month with them in additional to my payments they would just get a suspended possession order and I needn't attend court (bad advice it seems but I was naive).

 

so they got their suspended order and we started paying it, but then had some work difficulties and went through a period of not being able to pay the full amounts.

 

Now they are saying they are going for an eviction though no date is through yet. There want a large lump sum, I don't have one. Help!

 

I have filled in an income and expenditure which proves I can now afford the regular monthly payment, the spo amount and a small additional amount towards the arrears but it sounds as if they won't agree and just want possession now. Will they get it?

 

There are a few hundred £'s of insurance payments on there which they say they will remove due to me already having buildings insurance elsewhere.

 

They have bought this mortgage off another company which were charging me arrears charges of around £55 a month too. Can anything be done about that? Because if all of those things came off we would be a bit nearer to making a dent in the arrears?

 

Basically help! I have three kids and am worried sick!

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Hi there, don't panic, there is always something we can do to help. If they refuse to accept your proposal you can apply to the court to get a hearing in front of a judge to get the eviction cancelled and we can help you with that.

 

I need to ask a few questions before I can advise further:

 

Who is the lender?

How much are the arrears (approx)

How many payments have you missed since the spo

have you filled in their income & expenditure sheet? or one of your own? have you given it to them yet?

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, don't panic, there is always something we can do to help. If they refuse to accept your proposal you can apply to the court to get a hearing in front of a judge to get the eviction cancelled and we can help you with that.

 

I need to ask a few questions before I can advise further:

 

Who is the lender?

How much are the arrears (approx)

How many payments have you missed since the spo

have you filled in their income & expenditure sheet? or one of your own? have you given it to them yet?

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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Will pm you the company actually if that is alright, I don't know if it makes any difference but just in case. the arrears are £9500 ish overall with about £3400 since the SPO apparently. I paid fully in June, a big chunk of a months worth in May and a lump sum off about £1500 or £2000 i think earlier in the year and then whatever I could over the past few months. I will be making my full payment plus £300 ish this month, same next month and have offered to pay around £200 extra over the next few months. Yes to the I&E form and have sent them that.

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Will pm you the company actually if that is alright, I don't know if it makes any difference but just in case. the arrears are £9500 ish overall with about £3400 since the SPO apparently. I paid fully in June, a big chunk of a months worth in May and a lump sum off about £1500 or £2000 i think earlier in the year and then whatever I could over the past few months. I will be making my full payment plus £300 ish this month, same next month and have offered to pay around £200 extra over the next few months. Yes to the I&E form and have sent them that.

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Are you sure you can afford that amount towards the arrears in addition to the normal monthly payment? will you be able to maintain that amount ?

 

It's a shame you filled in their I & E form, they're usually pretty restrictive in regards to categories of outgoings. It's best to use the budget sheet that the CAB/Nationaldebtline use and which we also recommend. I've affixed a sample - it calculates automatically as you fill it in - try completing it and see if it gives a different result than the one you have already done. Did you send it to them by recorded delivery?

Budget Sheet.xls

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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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Are you sure you can afford that amount towards the arrears in addition to the normal monthly payment? will you be able to maintain that amount ?

 

It's a shame you filled in their I & E form, they're usually pretty restrictive in regards to categories of outgoings. It's best to use the budget sheet that the CAB/Nationaldebtline use and which we also recommend. I've affixed a sample - it calculates automatically as you fill it in - try completing it and see if it gives a different result than the one you have already done. Did you send it to them by recorded delivery?

Budget Sheet.xls

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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I'll have a look at that now, thanks. I only sent it regular post and so far they haven't received it. I know we can afford it because I have gone over the figures and have factored in one offs and emergencies too plus I have asked to increase my hours at work so that would help too.

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I'll have a look at that now, thanks. I only sent it regular post and so far they haven't received it. I know we can afford it because I have gone over the figures and have factored in one offs and emergencies too plus I have asked to increase my hours at work so that would help too.

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Did you put a covering letter with the I&E ?

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

 

 

This site is run solely on donations

 

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Did you put a covering letter with the I&E ?

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

 

 

This site is run solely on donations

 

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OK, it's a fair chance that even if they have got it - it won't have arrived at the right desk. You need to send again with a covering letter (if you need help with it I can draft one for you) and send by either recorded or special delivery, so they can't say they haven't got it. Did you have the right department and address to send it to ?

 

I haven't got your pm yet with the name of the lender - it would be helpful to know who we are dealing with.

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

 

 

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OK, it's a fair chance that even if they have got it - it won't have arrived at the right desk. You need to send again with a covering letter (if you need help with it I can draft one for you) and send by either recorded or special delivery, so they can't say they haven't got it. Did you have the right department and address to send it to ?

 

I haven't got your pm yet with the name of the lender - it would be helpful to know who we are dealing with.

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

 

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Hi, got your pm :) and replied

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, got your pm :) and replied

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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Thank you for your reply. So step one is getting this I&E to them with my insurance schedule to see how much its reduced by and then try and get them to stop possession?

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Thank you for your reply. So step one is getting this I&E to them with my insurance schedule to see how much its reduced by and then try and get them to stop possession?

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You need to send the I &E with a covering letter outlining your payment proposal. Do you need help with the letter?

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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You need to send the I &E with a covering letter outlining your payment proposal. Do you need help with the letter?

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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