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    • Thank you for your advice.  The owner is happy to write to the Bailiffs and include a copy of his council tax bill and a utility bill. Should he show proof of van ownership too? Would he need to photocopy insurance and v5 documentation for that?   Sorry to ask probably very silly questions.    Also should he write to the Creditors with the same information?  How far can the Creditors take this. With no savings, income or home etc, there is no way to recover anything right now.  Thank you    I 
    • See what you think about the attached.  I haven't really changed your arguments, merely changed the order to make them more obvious for the judge.  Please check for accuracy. I've also royally knackered the numbering and layout Regarding your partner's WS, cut out the first paragraph as it's unnecessary and confusing with its talk of appeals. I see the PCN mentions the amount may rise to £120 if you don't pay - then the idiots went for £170 in their court claim!  Very bad own goal. I also see their solicitors say they won't turn up to the hearing - if so you're more or less guaranteed to win.   Defendant's WS - version 2.pdf
    • Hi,. I purchased a car from In Herts Motors on the 9th July 2024.  They told me it had an intermittent fault with a sensor which was just a sensor issue. The tyres were threadbare so I went to get them replaced on the 11th July, the mechanic pointed out white smoke coming from the engine bay.  I got this investigated and the car has actually got a blown head gasket. Judging by the mess it has been blown for sometime. I contacted the company and requested a refund or repair as I've had the car 3 days at this point, they are flatly refusing claiming they told me the Engine was faulty, this is a barefaced lie. I've had to raise a county court case to deal with this matter.  My question here is what do I do with the car?  I have had to bite the bullet and buy one on finance from Cinch.  Do I SORN the car or do I sign it back over to the trader and park it on the street? I've only one parking bay and my new car is going in there.   Thanks guys.
    • I've seen a lot of that 'the UK prepared for the wrong pandemic' and although that is true as far as it goes, the simple fact that even the flu pandemic guidelines if they had been followed correctly would have reduced many of the impacts, and are useful and usable in many situations   alongside the - we will sell your NHS data app and the VIPal lane, and the bring million back from hotzones and send them across the country with no testing or management ...  among MANY failures of proper policy
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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
      • 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
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Hello!

 

I applied for a payday loan at Capital Finance One and received 300 pounds for the cost of 117 pounds. When it was supposed to be paid back I was given the option to defer the loan by paying the 117 pounds. Later I added 140 pounds on two occasions and I have now had to pay back in total 1605 pounds for a loan of 580 pounds over 3 interest periods.

 

Essentially what is going on is that I have paid the interest, but it's never deducted from the balance when you defer it. They admitted on the phone today that I could have paid it off and reapplied again in order to avoid these fees.

 

My question is, if I have signed one of these agreements (obviously not reading it properly), can I somehow go anywhere with this complaint and get some of the money back that I believe I overpaid, even by payday standards?

 

Why is the interest paid not taken off the balance when deferred - it's unreasonable and I don't know any other company that has charged me in this way?

 

Kindly some advice please.

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Sounds like theyre trying to double dip on the interest.

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

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It would seem that's how they operate, there's a couple of cases like this on the forum. However, by doing this they are altering their published interest rate. How much have you paid them altogether?

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I took the loan by mid-jan 2012 for 300 and then I have topped up for 140*2 in February and March. Interest end of jan was 117, end of feb 217, end of march I paid the full amount of 1270.78 (interest 356.55). In total that is about 1605 pounds over 3 interest periods for a 580 pound loan. It'a a bit odd not to deduct the interest when I have paid it.

 

If they would have deducted the interest I paid off, it would have cost me 1094 pounds according to their flat monthly interest of 39%.

 

Not happy that I wasn't careful enough here.

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