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    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
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    • 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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Can anyone help please? It's a little complicated but will try to keep it short. I rented my property on a 6 month AST to someone who owns next door and wanted to buy my property to knock through. It all started off well but the sale fell through - no fault of anyone's in particular and he has turned nasty. His tenancy ended on 31st October but he refused to leave and said he'd leave when he wanted. (even though he owns the empty property next door!) He was supposed to pay the rent for November on 26th October but obviously cancelled his direct debit because I didn't receive it and still haven't. I tried to take a prospective new tenant around there (giving him 24 hours notice) but it was hopeless as the tenant was obstructive and abusive. I have written him formal letters requiring him to leave on Nov 30th and follow up letters about rent but he hasn't responded. I then read I should have given him two months notice, so do I need to do this now or does the fact that his rent is now over 16 days late, mean this is void and I can get him out? I requested a meeting giving him 24 hours notice but he said it wasn't convenient. What on earth can I do?

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JJ, A Tenancy does not end at end of 6 month (fixed term) AST. No LL letter or s21 Notice can act as a Notice to Quit. The T is entitled to stay until LL gets Court Order for repo. s21 Notice just allows LL to seek Court repo order after 2 months if correctly completed & served. Before LL can serve a valid s21 any deposit taken must be protected in a govt-approved scheme and the 'prescribed info' of the deposit account given to T by LL

 

In your case the AST is now a statutory periodic tenancy, requiring T to give 1 month Notice, LL 2 months, assuming rent reqd monthly Repo order still reqd by LL. Dates are critical for s21a (SPT)

 

As soon as T misses another rent due date, so 2 months rent owed, you can serve a s8 ground 8 notice for repo order, mandatory if T still owes 2 months rent at time of hearing. s8 period is 14? days. You MAY be able to get a hearing date before s8 expires, provided actual hearing takes place AFTER s8 expires. T is now aware of your inexperience so may hang around forcing you to pay for bailiffs (more time) to effect his eviction. You may be lucky and get a hearing before Xmas, ring your local County Court to check.

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Issue a Section 21 - it has to give two full rental months' notice - ie. if the rent covers the period from 1st of month to last day of month, you can issue notice now to end tenancy on 31st January.

 

If he refuses to move, you should be able to apply for accelerated possession.

 

Under this scenario you'd need to sue him for the unpaid rent in a separate process.

 

Section 8 for failure to pay the rent is another option but is more complicated and can take more time as it requires evidence of failure to pay rent, and tenant can pay just enough rent and potentially avoid eviction. I think you can do both processes at the same time.

 

Although technically it is straightforward to do all the above, you might want to consider getting a solicitor involved to add weight to what you are doing. I don't know what it would cost.

 

Iamnotalawyer.

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