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    • Ok just an update sent my DQ recorded delivery, received by court 18/07/24, nothing yet showing on mcol. Deadline is Monday 22/07/24. Hopefully shows on before
    • So, the two child benefit cap is going to (rightly or wrongly) be a big issue, with the care of kids undoubtedly taking second place to political point scoring  ... Some think that parents should be responsible for kids, and the state pay as little as possible else the parents will just use having kids (which they then neglect) as a means of income for them to spend on fags and booze. Some think that benefits should be effectively there for anyone whatever the circumstances.   So what do people think might be some sort of solution?   I think that both those stances are extremes,  and you can be sure of just a few things 1. Neither or any approach fits all affected. There are some who will abuse the system, just as there are some left in genuine desperate need. 2. None of its the kids fault, and how they are treated will have a large impact on our nations future.   So, despite the claims of 'it means only rich people can have kids' which is rubbish, I think the cap should stay. ... BUT that free school meals should be introduced for all state school kids:   Which would * ensure our nations children kids get fed at least one meal a day with the funds intended for that * be a significant incentive to go to school for the poorer kids at least - keeping many off the streets and away from bad company * almost certainly reduce problems and increase productivity in the classroom from irritable hungry kids (per stats)   Not a perfect solution by any means - but seems a positive move to me.    
    • and more positive change From next year, mobile phone, paid television and broadband companies must inform customers of any price rises at the point of sale. The changes, ordered by Ofcom, will come into force on 17 January and mean that any mid-contract price rises must be given “in pounds and pence” and in a “clear and comprehensible” way.   Taken a change of government to do it after years of bluster about it eh?   Mobile phone companies banned from hiking prices mid-contract based on inflation WWW.INDEPENDENT.CO.UK The new year plan ensures providers are transparent on prices at the point of sale  
    • Could he/ his partner set up a new internet bank account?  In his name ? It depends which country, I imagine. Most UK banks want proof of address and ID, probably more. If your friend/partner can use the house address and provide bills that could help. You would need to look at various online banks and see what their requirements are. Or there are expat accounts but I haven't looked closely at how they work. Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage) I'd have thought the DWP would pay to a new account, as long as the person they're authorised to deal with asks them and provides details. The international pensions people in Newcastle are pretty helpful.
    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
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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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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24/7 Moneybox refusing to freeze charges


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Hi,

 

I have managed to set up sucessful repayment plans with the other payday loan companies i owe money to but 24/7 money box are being extremley difficult.

 

I have been in email correspondance with them regarding my account and have also spoken to an advisor on live chat,at first they agreed to my repayment offer and then contacted me to say that i will be incurring daily fees additional interest and £10 per letter being sent with 5 letters due out to me next week.

I have requested that they freeze the interest on my account and pointed out that the charges are disproportionate as they total 50% of the initial loan ammount but i am getting nowhere i just repetedly get told to ring them when i have funds to pay the balance.

 

Has anyone had any dealings with them or any advice as to how i can get this rectified?

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Jel Have you been in contact before the repayment date? as someone who was hit with their charges I always remember them saying and making a point of "...if only you had contacted us before"... so if you have made contact, you need to raise a formal complaint with esculation to the FOS/OFT and don't forget their trade members of the BCCA . British Cheque & Credit Association - you can go to them too.I know people will say I'm daft and could of fought but when their in charge of payments which they were at the time (didn't know you can pay via paypal) and my debt was building up rapidly I had no choice. Up to me now whether to reclaim though I don't really feel in any position to do so as they did get sensible and stopped further charges accuring as soon as I was in contact.Though I will say it did help me win with a few others in a way! the line of always approach before default. Cheers for that 247 Moneybox! You could also try the Citizens Advice. Hope this helps.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hi asmile,

 

Yes i have been in contact before the repayment date firstly when i knew i couldnt pay in full and was told to default first and again this week several times but i just keep getting told to ring when i am paid to make a payment?!!

 

I have repeatedly asked to set up a repayment plan and explained i will not be able to make anywhere near the full ammount owed anythime soon due to financial problems but i will and can commit to the amount i offered.

 

Extremley frustrating as all i seem to get is a robot response of call on payday and pay the full amount grrrrr lol

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Sweetie please, please bcca it ! having to default is rubbish just so they can hit you with charges. Get as much as you can in written format and your next communication needs to have OFFICIAL COMPLAINT on it, refer them to OFT guidelines - others on here are better quoting their official lines then me! 247 Moneybox do accept payment plans generally they like you paid up in 4 months - this is just what I found. You are in a strong position here - trust me!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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These clowns will try anything, I remember at one point they phoned me to set up a repayment plan and I explained I had put everything in writing. He read my notes and said he could only put a payment plan in place if they had a live debit card on file! Yeah right!They were stubborn to begin with but eventually gave way when they realised they would not get their money back otherwise. IIRC I paid £20 per month via direct bank transfer till the debt was clear on original loan and 1 months interest.

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Get in touch with them and send in a request for a FULL breakdown of how the debt is made up.

 

Also send a full complaint into the OFT and FOS first thing in the morning. Give them as much information as you can get. Also email Stella Creasy MP, as she is performing an indepth investigation into PDL's in hopes of getting the law changed so ALL pdl's get shut down.

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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Brilliant s4ddys well played :-) and they say the loan amount plus 1 months interest larke doesn't mean much...

I was an amateur when I dealt with these, nonetheless they were one of my 1st gone

 

ooohhhh now the rebel in me...

Not forgetting there was also Steve Perry who managed to pay them actually less then owed in a settlement offer - that's in a published book hope 247 realise this :lol:

 

There you go hope this gives you something to go on OP! :wink:

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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