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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • 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.

      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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Hope someone can help :oops: old T-mobile debt prob Sb'ed


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My partner has lived with me for less then a year. He has received a letter from a DCA at the end last week dated 30 Jan stating that he has 7 days to pay a debt (from 4 years ago) The time was up before he received the letter! It stated if the amount stated (around £600) is not paid in the time frame the will take immediate action and a bailiff will be sent to recover the monies/Item of value.

 

This debts are from years ago, long before we got together!

My partner has lived in my home since June last year.

My partner has not worked for years.

He personally doesn't claim any benefits.

We have no joint bank accounts.

I have lived in my home for 13 years and mortgage is in my name only.

The only "joint" thing we have is a child/working tax credit claim.

Everything in the house belongs to me apart from the clothes my partner brought when he moved in.

I work to support the family.

 

My questions are...

 

Can I be held liable for his debt?

Can the bailiffs enter my home without MY permission? (what if i'm at work, can they get permission from my adult son?)

Can they take my things?

Is there anything I can do to stop them coming to my home? (not just for obvious reasons. I have a autistic son who freaks out around strangers).

How do I stop this affecting my credit?

 

Thanks in advance.

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It stated if the amount stated (around £600) is not paid in the time frame the will take immediate action and a bailiff will be sent to recover the monies/Item of value.

 

 

read the letter properly

 

it does not say that..

 

it says might, could, may, if,

anything but WILL

 

its a threat-o-gram

 

DCA's have no legal powers to d onowt to anyone.

 

check her CRA file to see if this debt shows

 

see below

 

do not respond to the them.

 

esp never ever on the phone

 

and do some reading

 

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... 

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Further down it says...

 

If a judgment or decree is obtained and remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt.

 

Sorry if i'm getting this mixed up, I've never had to deal with anything like this before.

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OK to put your mind totally at ease, a debt on a mobile phone contract is a hard thing to collect on, as you pay for a service and don't recieve it, so no DCA is gonna take ANY "action"

 

They're playing on your fears... "what will the neighbours think of a repo man comes and takes my TV..." etc. This simply will not happen.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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Further down it says...

 

If a judgment or decree is obtained and remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt.

 

Sorry if i'm getting this mixed up, I've never had to deal with anything like this before.

 

highlighted the only word you need to read.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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"THIS DEBT MUST BE PAID ON FULL TO THESE OFFICES WITHIN THE NEXT 7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION"

 

That "immediate action" can be to just send you another letter, and then another one. At the moment it is just a threat, nothing more.

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How far back is the alleged debt to Tmobile? and was this an account set up directly with them or is it an account they took over at some point from another provider?

 

I agree with all the advice given in that you make HMRC a priority...they can be a nightmare to deal with as they do not seem to be able to access various departments on their system...you will probably find you end up with a list of phone numbers passing you from one dept. to the other, but hang in there it will eventually get sorted and the bailiff will be put on hold while it does.

 

 

WD

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It says

 

"THIS DEBT MUST BE PAID ON FULL TO THESE OFFICES WITHIN THE NEXT 7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION"

 

 

hehe but read it properly

 

it doesn't say WHAT action!!

 

then brings up court

 

cleaver play on words

 

threat-o-gram

 

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... 

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NO!!!!!!!!!!

 

never ever ring a dca or their fake / tame solicitor.

 

i have not left you a question to answer above...

 

...it's a statement..

 

they say they are going to take immediate action...

 

...but it doesn't say WHAT action.

 

that's the cleaver part...it's a play on words....

 

the action could be another threat-o-gram...it does not SPECIFY what action thay are going to take!

 

then cleaverly brings up POSSIBLE court action in the next sentence....get it now?

 

DCA's have NO LEGAL POWERS

 

they ARE NOT bailiffs and NEVER EVER WILL BE!!!

 

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... 

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So just to get it clear in my own head as this is being commented on elsewhere also...

 

Am I right in thinking that after 6 years the statute barred thingy comes into play and they are trying to use scare tactics to get us to phone as this would acknowledge the debt and start the process all over again?

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