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    • Commentary June 2024 WWW.ELECTORALCALCULUS.CO.UK Interesting article about just how bad it could be for the Tories.  Also Tories could be hoping on Reform not having candidates in many seats, as they were not ready.  
    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
  • 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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Mega confused


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Hi guys

 

I defaulted on my loan with pounds to pocket aka quick quid a few months ago. Since then I have been paying off te loan through a repayment agreement that is due to end next month. I keep a tight eye on my credit file and until today it stated my loan had defaulted. But now it has moved to the closed accounts and says that it's settled. I'm really confused. Is it settled or not? If they have on my account settled can they go back and change it? I'm lost completely.

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Contact the pdl but do not say anything about the payment. Simply ask why its marked as settled. If they say its paid thn you can withold payment.

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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Ok even more confused. Contacted them and was told the account was settled and I should have had an email after my last payment and they would get collections to resend it. However the email states

 

thank you for your listed payment. Recorded payoff payment of £160.45 on 6/6/2012 via settled in full for loan no. Xxxxxxx. This payment still pending on your account on the listed date, once processed you will see the account updated online, to reflect the payment.

 

What does that mean? If its settled it's settled? Have a copy of the chat which they state that it is settled, so don't understand what this email means? From what I can understand it isn't settled and needs payment in June?? Help!

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If theyve said its fully settled and you have a copy of the letter or email, then stop paying.

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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Should I contact them and say due to the conversation I had earlier (and send them a copy of the chat- used the option to send to my email once conversation finished) I consider it settled in full and will be making no further payments? I didn't say anything to them about a payment in June (ever!!) so don't understand where they plucked that from.

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Have you paid the original loan amount and interest up to the date you came to a repayment arrangment? As unbelievable as it may sound, they may have waived the additional charges (more than likely accidently).

 

You have no need to contact them. You have already queried this once and have written confirmation (twice) that the account is settled.

 

If it makes you feel better, set the money aside that you would have paid them on Monday for a few weeks. They will contact you during next week if they were expecting a payment. If they dont, I think it is fair to assume that you wont hear from them again.

 

If you do hear from them asking for payment, come back here for advice. You have the written confirmation it is settled. They simply can not "unsettle" a "settled" loan.

ACCOUNT DORMANT

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so Monday came and went, and they didn't take my money so I will take it as being settled woop woop!! Now just 3 more to go- Minicredit- due to be fully settled end of June, PDE- who are completely rubbish, and Wonga- who I will be repaying off until October. but I'm almost free!!

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Get the money out of that account and into a safe account just in case. If you want to be 100~% sure, give it 4 weeks or so, that way you know that theyre not trying to debit. Also make sure you get written confirmation that the debt is now fully settled.

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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