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    • Hi If you have went via a Mutual Exchange and this is to do with Social Housing/Housing Association then both parties need to firstly be approved by each parties Housing Association and accepted by them. Once this is done the relevant Housing Association for each will then get each party to sign a New Tenancy Agreement with the relevant Housing Association. So what we really need to know is: Does the other party to this Mutual Exchange know you have changed your mind on exchanging properties? Have they just signed an Agreement in principle to exchange properties? or Have they actually signed a New Tenancy Agreement for that Property? If they have signed a New Tenancy Agreement then this will make not now wanting to continue the mutual exchange difficult due to the New Tenancy Agreement being Signed. We really need to know what stage this is at to give correct advice
    • From unhackable communication networks to powerful computers, quantum technology promises huge advances.View the full article
    • going nowhere then. well if you've not been simply doing it to look the big cheese to your mates, you need to address why you are doing it. if its to impress your mates then simply stop being an idiot eh? , learn from it and go live your life . dx
    • Yes only with dwf. The first letter I received was explaining that I have not responded to the first letter they sent which I did not receive at all  then the second letter came, they said again saying we have not heard from you we are extending this another 14 days but at that point a couple of days before I called them on the phone saying I have received this and supposedly i owe money for stolen goods and that I need to see the breakdown which they then emailed to me dwf said this was what we were trying to send to you at first and I told them we have not received your first letter only one asking for demand of payment. On my second call to them I asked can you list the things that I have supposedly stole to which they replied “we normally have this on file but I can’t seem to find this on your file”   
    • oh well, at least your eign of terror is over now. so no contact directly since from/to sainsbury's. everything since has only been with DWF?
  • Our picks

    • 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
      • 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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Reference: ************

Original Creditor: Quick Quid

Principal Sum: 1,374.00

 

FAILURE TO RESPOND - NOTICE

 

Dear ******

 

Despite previous correspondence you have failed to respond and the above debt remains outstanding.

 

We are not aware of any legitimate reason for non-payment of the account and although we would prefer a mutually acceptable settlement, we will not hesitate to take legal action to resolve this matter.

 

We trust that this will not be necessary and would request that you send your payment by the deadline below.

 

If you do not respond to this letter we will have no option than to arrange our doorstep collectors Meritforce to visit your address and review your ability to repay this debt.

 

To stop this action call:

01563 556 544 immediately to make payment or email us at [email protected].

 

Important: If you are not the named person above please contact us quoting M28128832 to stop any further communication.

 

Oliver Green

 

 

I Have just recieved this email from Mackenzie Hall and im pretty worried about what to do.

The property they may visit is my mothers house. However i do not have the funds to pay the sum in full.

What do i do.

Help would be much appreciated

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Simply send them the letter from the library on this site telling them that they are not allowed to visit you in person at any time or at any place.

 

Also, write and tell them the amount that you can realistically afford taking into account other debts, rent etc and wont leave you with nothing. If they try and say no, that is their problem. If they tried to take you to court, theyd get much, MUCH less.

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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Thank you for your rapid response.

Ypour help is much appreciated. At the moment i'd not be able to afford much more than £50 a month as i am now umemployed.

Do you think this is something they will accept?

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If you are unemployed the MOST you should pay towards this crazy figure is £1 a MONTH, do NOT offer one single penny more. A judge in a court of law may even suggest 50p and want a full breakdown of how QQ came to that figure.

 

How much did you orignally borrow?

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The you owe round about £800, and not the amount they are claiming.

 

I think the next thing is complain about both QQ and Mackenzie Hall to the OFT and Trading Standards, East Ayrshire Trading Standards to be specifric, the OFT and TS are doing an in depth investigation into the murky market that is PDLs.

 

Mucky Hall really have hit the bottom now picking up debt already dropped by Fredricksons due to the amount of complaints and queries....

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Hi Guys,

This is the response i recieved.

''Good afternoon ******

I do take on board what you say.

If you wish to communicate in writing then not a problem.

Can you confirm the following for data protection:

Address

Postcode

Date of Birth.

Regards

Mark

Mackenzie Hall.''

 

Any advice on how to respond to this as i do not have a clue what to do next!!

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Report them to East Ayrshire Trading Standards, they have already contacted you 'in writing' a text is THAT!

 

You need to speak to Sam Gardiner or Alan Stewart at East Ayrshire TS as they are aware of Mucky Hall and their miserable tactics.

 

They are having a laugh.

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Do NOT confirm any details. They already have them. And they want you to confirm it for Data Protection? :jaw:

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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  • 2 weeks later...

re the above ive been getting the same snail mail asking to confirm name and address etc,i just e-mail saying you wrote to me so you have them already,they e-mail back saying they need these details to confirm my id, just keep sending the same e-mail back,however they now have a vast collection of my local take aways menus,yeah i do stuff there prepaid envelopes with them,childish i know but it makes me feel good.

 

peace to you all

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I do the same with another company who keep sending me letters to pay up. I can only afford one takeaway a month so most of the leaflets just sit in my kitchen next to the cookery books. I also make sure they are overstuffed....

 

QQ need to know they cannot override EU law and guidelines, they think they can because they are not based in the EU, which is their downfall as technically they cannot take you to court, they have to use a third party and have a very very good case. I have yet to see any Particulars of Claim from QQ.

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  • 2 weeks later...

I have recieved another email from them, stating i pay the amount in full.

On wednesday 2nd May 2012 i requested they provide me with proof of the debt they purchased from quick quid abd recieved no response yet they are still asking me to pay up.

 

It almost seems as if they do not read the emails that they recive and spend the whole day bullying people into paying up

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Here is the response i recieved ....

Hi XXXXXX

I appreciate what you are saying.

In order for us to even consider giving you a copy of the credit agreement.

Can you confirm data protection.

Address

Postcode

Date of Birth

Thanks

Mackenzie Hall

 

 

 

Shall i just ignore them?

would really appreciate your advice/ opinions

Thanks x

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  • Confused 1

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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That doesnt sound right. Hopefully someone else can help out here as i havent seen anyone needing to confirm it, especially as you sent the letter, enclosed the fee, they have your address on file, and can send it there.

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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Maybe they do just want to confirm data protection details? They have those details anyway, so maybe just confirm them? At least then you'll know if they have the original CCA

It never rains but it pours...

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True. But why the DOB. Never really hear of that from a PDL. And its rare to have a creditor asking for confirmation.

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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Erm, they are happy to email and speak on the phone.. but if you want to communicate in writing.. as is your legal right.. they want your inside leg measurement !!

 

Rubbish.

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