Jump to content

  • Tweets

  • Posts

    • So, the two child benefit cap is going to (rightly or wrongly) be a big issue, with the care of kids undoubtedly taking second place to political point scoring  ... Some think that parents should be responsible for kids, and the state pay as little as possible else the parents will just use having kids (which they then neglect) as a means of income for them to spend on fags and booze. Some think that benefits should be effectively there for anyone whatever the circumstances.   So what do people think might be some sort of solution?   I think that both those stances are extremes,  and you can be sure of just a few things 1. Neither or any approach fits all affected. There are some who will abuse the system, just as there are some left in genuine desperate need. 2. None of its the kids fault, and how they are treated will have a large impact on our nations future.   So, despite the claims of 'it means only rich people can have kids' which is rubbish, I think the cap should stay. ... BUT that free school meals should be introduced for all state school kids:   Which would * ensure our nations children kids get fed at least one meal a day with the funds intended for that * be a significant incentive to go to school for the poorer kids at least - keeping many off the streets and away from bad company * almost certainly reduce problems and increase productivity in the classroom from irritable hungry kids (per stats)   Not a perfect solution by any means - but seems a positive move to me.    
    • and more positive change From next year, mobile phone, paid television and broadband companies must inform customers of any price rises at the point of sale. The changes, ordered by Ofcom, will come into force on 17 January and mean that any mid-contract price rises must be given “in pounds and pence” and in a “clear and comprehensible” way.   Taken a change of government to do it after years of bluster about it eh?   Mobile phone companies banned from hiking prices mid-contract based on inflation WWW.INDEPENDENT.CO.UK The new year plan ensures providers are transparent on prices at the point of sale  
    • Could he/ his partner set up a new internet bank account?  In his name ? It depends which country, I imagine. Most UK banks want proof of address and ID, probably more. If your friend/partner can use the house address and provide bills that could help. You would need to look at various online banks and see what their requirements are. Or there are expat accounts but I haven't looked closely at how they work. Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage) I'd have thought the DWP would pay to a new account, as long as the person they're authorised to deal with asks them and provides details. The international pensions people in Newcastle are pretty helpful.
    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
    • It's a shame that your friend didn't take care of this while he had capacity and before he left the country, isn't it? He seems to have made your mission impossible. HB
  • 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
      • 162 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
        • Like

Trying to help parents -given bad advice me thinks - taking over on my own!

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4647 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Hi all.


It's a relief to find a forum like this one. Had a look round and wished I had found you last year. I'll be as brief as possible.


Firstly, does any know the website Get Out of Debt Free? Parents advised to follow this route but now I've read their site, I think it was wrong to take action this way. I understand what they're saying but I don't get it :???: I can't see me defending this action in a court. Comments please.


OK.. 22 months ago after drying up their savings trying to meet minimum monthly payments, parents decide to tell the family, just before Christmas, that they might lose their house. Aged 70+ and ill health, they have interest only mortgage, 3 loans (all granted on the same day - but that's for another time) and 14 cards (store and credit). All totalling approx £90k +


As yet only dealt with cards.


Christmas week 2009, after doing their income/expenditure, called all 14 creditors and agreed £2 per month due to financial hardship. All agreed but not all happy about it. Over time, 6 moved to Debt Collection Agencies and monthly £2 continued with them.


Now concentrating on 8 creditors. July 2011 (18 months on) after many letters asking to write off debt as parent circumstances will never improve, letters sent with £2 cheques attached stating that the cheque was offered as 'Full and Final'. ALL 8 creditors cashed their respective cheques. Responses followed to say that none of them would accept the £2 cheque as F&F even though they cashed them and continued to chase payments. This is where the Get Out Of Debt Free action was introduced.:?:


Under CCA 1974, confirming my thoughts after reading many threads here, 2 signatures need to be on agreement. Santander have now provided 'true copies' of all agreements (6) with two signatures. Now that kinda threw me as I didn't expect they would have these. However, fact remains £2 cheques cashed F&F in July and this is my only defense. Also Santander now passing onto Wescot Debt Collection.


RBS remains with them and Capital One (now with CapQuest). As yet still waiting on threatening letters!!


Letters sent to new debt agencies to state cheques cashed in July as F&F and no debt exists.


Running out of options.


Where do I go now?


Lots going on. Huge thanks for your patience and your help.



Link to post
Share on other sites

Hi Eddie and welcome to CAG.


One of the more experienced members will be along soon. This is a great place to be but please be patient as it can take a day or so for a proper response due to real life commitments of those who know what they're talking about but the wait is almost certainly worth it :)

Link to post
Share on other sites

Thanks for the welcome, LostAtSea.


I've been impressed with the quality and information I've seen here so I'm more than glad to be patient. Currently all I'm doing is going back and forth with letters which I'll continue to do until they give up first!



Link to post
Share on other sites

Hi, What a terrible situation, the problem

here with ''full & final'' payments is that

they must be agreed betwen the parties,

simply if someone owed you £1000 as said

here's 2 quid that's the debt paid would you

accept this.

I'm afraid the ''full & final'' payments have

no merit.

I n your parents situation now I would suugest

seeking local expert help, the sums owed are


The CAB or a local legal advice charity would I

think be your next move, you also need to be

sure that you are aware of ALL the debts.

Considering their situation with the mortgage as

a seperate matter, is their any insurance to cover

the capital, and any equity in the property??

Given what you have said so far, only one idea

comes to mind and that is a debt relief order (DRO),

the CAB is the place to get this advice I think this

is to complex and personal for discussion here.

If we can get some other opinions for you here

I don't know but I'll see what can be done.




Ell-enn any suggestions please. BUMP

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I guess that is about the only way out of this,

I have asked others to take a look when they

can, but it's Sunday evening so maybe tomorrow

before we can advise further.



Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...