Jump to content


  • Tweets

  • Posts

    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
  • 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
        • Like

Credit card debt and constant phone calls at work..HELP!!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4381 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

Please

Start your own new thread

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

 

Thanks

Recommended Posts

Hi w p

 

All debts have to be included; hence the requirement to evidence via CRFs. You are making a legal statement to the Insolvency Service. I have seen problems where unscrupulous DCAs (no, never, where :-)) have bumped up charges so that a person is above the 15k limit. Reclaim everything first if you are near the limit.

 

God bless

 

x

 

v

Link to post
Share on other sites

  • 2 months later...

Hi all,

 

Sorry for going quiet for a while..things have been getting a bit much to cope with but we have been to CAB for advice and had a few appointments with a lovely man who really took the time to listen to us and explain all the options and how things work...for anyone needing one to one advice I couldn't recommend CAB enough!!..After discussing things with the CAB I saw my OH smile a real smile for the first time in ages!

 

Anyway after exploring all the options available he said that bankruptcy is really the only way we're going to be able to get out of this mess. The only problem with that is the £700 fee so I asked if reclaiming mis-sold PPI would be a good idea to raise funds to pay for it which he said would be a very god idea.

 

I do have a question (which I didn't think of asking at the time!) which I hope you can help with...

 

Because my OH is only making token payments of £2.00 a month to each of his creditors would they be able to keep whatever the claim is worth to reduce the debts?

 

I have just written the SAR letters which will be posted tomorrow before starting the claims and one of them is for a Barclay loan that has already been paid off in full so I assume that cannot be touched but one his creditors is Barclaycard so maybe not?

 

The other two are for Virgin CC and MBNA CC - the Virgin card was taken out online before they stopped using boxes that had to be un-ticked for PPI and the CCA from MBNA (also applied for online) shows the box for PPI was not ticked but they have still been charging for PPI. As for the Barclay loan, he was told he would not get it if he did not agree to having PPI on it so I think he has valid reasons on each for re-claiming!

 

We really need to sort this out asap before it takes any more of a toll on our lives as stress levels, especially at each knock on the door and letter dropping through the letter box, are rising and at times causing stupid arguments over nothing when we should be standing together!

 

We dont mind some of the money (if the claims are successful!) going towards the debts but do you think it is possible to reclaim without creditors taking the lot as this is the only way we can afford to raise the fees?

 

thank you all for previous help and in advance of any advice you may be able to give

 

Wando Pondo Pops xx

Link to post
Share on other sites

start a thread for each one one the sa suff rolls in

 

in the meantime

 

keep upi the £2

 

they can ONLY offset against NOTIFIED arrears.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

in a letter called 'notice of sum of arrears'

 

they should send.

 

just remember credit card reclaims typically come off the balance anyhow.

 

but loan reclaims go to YOUR pocket unless you have been notified by eter.

 

just let things run for now.

 

them we'll deal as the SAR's roll in.

 

in the meantme

 

READ and read some more

 

see my links below.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...