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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
    • Thank you for that, I have obviously already been convicted so I think the appeal lodged is for the previous offence? Sorry if that doesn’t make sense. I suppose my only concern is that weds I go there and they don’t let a stat dec happen. If they do then as you say and solicitor says it’s highly likely I’ll be happy with the outcome. But I’m being told there’s no guarantee for the stat dec to be hard Weds as that’s not what the hearing is proposed for. Solicitor has stated that you can put a stat dec before a magistrates at any time so it shouldn’t be a problem.   
    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
    • I'm really trying, but worst case I can't find what are my options?
    • John Lewis' Privacy Notice states that their CCTV Systems does not use facial recognition or collect biometric data - so I assume it should be fine?    Thank you a lot for your reply. I've scheduled my first therapy session ne t week. Really the time to turn my life around..
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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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WONGA BANK DETAILS

 

Thanks for contacting us and letting us know that you intend to make a payment. That's great news.

 

Here are our bank details:

 

Bank name: HSBC Bank

Sort code: 40-06-09

Account no: 21544926

Your ref no: 00000000 (you need to find this out)

 

Please remember to quote your reference with all payments, which will help us process things more quickly for you.

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https://help.wonga.com/help/payments/repayment-method

 

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What are my available repayment methods?

When you borrow money from us, you agree to repay your loan by a debit card. If you are looking to make payment using an alternative debit card, you can add one in the My Account section of the website and make payments at any time

 

Alternatively, you may call our automated payment line on 0207 1830063. If you do not have another debit card that you can use, then please make a cash payment directly into Wonga's bank account immediately.

 

Here are our bank details:

 

Bank name: HSBC Bank,

Sort code: 40-06-09,

Account no: 21544926

 

You must quote your full name as reference with your payment as it will help us process it faster.

 

You must then email us at [email protected] to let us know, so we can allocate the funds to your account. Please note it can take up to three working days for the payment to reach us.

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Renegade, I can't let anything default, because I fear they will take it out lump sum style. I have a joint bank account with my partner and cannot entertain closing it down and going throughball the advice of parachute accounts, "stolen" cards etc, as my partner cannot find out. I have turned these debts around quite a lot, it's just that PDE is the final hurdle.

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Why will you be in it? If ANYTHING happens to you as a result of them calling your work, you can sue the PDL for it especially once youve sent the letter stating that under no circumstances is a phone call acceptable.

 

HiThe advice on here is great. Hang in there and remember YOU are in charge not the PDL's. Seven PDL's later I have an agreement with most of them to pay small amonts that are affordable and my money is just about lasting between paydays (before it was gone on payday). You will get there. Remember not to give them any personal information and CANCEL YOUR CARD.Good Luck

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There are ways to stop a pdl taking a lump sum. You just need to be firm and unwavering when you do it. Remember if they take a lump sum its theft as you only agreed with them to debit a certain amount. You can also cancel your card and the cpa for the merchant to secure your money.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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There are ways to stop a pdl taking a lump sum. You just need to be firm and unwavering when you do it. Remember if they take a lump sum its theft as you only agreed with them to debit a certain amount. You can also cancel your card and the cpa for the merchant to secure your money.

 

That's why I asked for a rollover whilst I bombard them with e mails reqesting a repayment plan. They agreed to the rollover, so thereby cannot 'thieve' the lump sum. I will "lose" my card however, and only give the new card details to the ones I am in a repayment plan with..

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You need to make sure the bank cancels the cpa that their merchant uses. If not, then chances are the pdl will keep raiding your account and possibly putting you into an unauthorised overdraft.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 month later...

Update

All PDL companies being paid.

Minicredit at last passed over to DCA Mackenzie Hall and have agreed a one off reduced payment.

Everyone else is getting monthly payments, it is hard but have paid £1000 off in 3 months.

Hoping I can afford lump sum offerings by November I should be clear before Xmas.

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With Mackenzie hall, make sure you get full written confirmation that the debt will be settled in full upon receipt of the payment, the account marked as cleared and any remainder of the debt will not be sold or passed on. You also want them to mark any entry on your credit file as fully settled, not part settled.

 

They have already had multiple investigations against them including trading standards. So if you don't have an agreement in writing with them with specific wording, then don't pay them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 month later...
One down, five to go. 6 months into this and my 3.5k payday loan nightmare is down to £2.2k.

PDUK should be gone next month. Toothfairy will be hanging around until July next year.

Couldnt have done it without this forum.

 

Well done :)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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