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    • Heres a point, while we wait for @theoldrouge to condemn rather than promote and support right wing bigots spouting genuine and clear monstrous antisemitic rhetoric ... Isn't it actually specifically unlawful to promote violence against politicians on top of laws to criminalise such things? ... As is reported happening in these closed facebook groups run by Tory staff and where a Tory police minister and the Tory London major candidate are members and post?   .. or do the Tories (seemingly like tor) only promote laws for protecting the hate spouting hard right ?   "“Some of these (Tory facebook groups) posts constitute the most appalling racism and I would urge the Conservative Party to swiftly distance itself from these hate-filled groups and urgently investigate what role any Conservative politicians and officials have played within them. “Susan Hall and the Tory MPs who have belonged to these groups need to come out and explain why – and to denounce the content they have tacitly endorsed by their membership.” "Reporters found widespread racism and Islamophobia as well as conspiracy theories and celebrations of criminal damage on the pages, including sharing the white supremacist slogan and antisemitic videos. " "Unearthed found that 46 out of the 82 admins have clear links to the Tory Party, including a recent digital campaign manager for the party and a conservative activist. Conservative councillor for Haywards Heath, Rachel Cromie, is an admin on all the groups. "     Also interesting that Facebook groups opposing 20mph speed limit in Wales are being run by English Tories   Conservative-run anti-Ulez Facebook groups hosted racist and Islamophobic posts - Unearthed UNEARTHED.GREENPEACE.ORG Tory staff running Facebook groups described as 'cesspits of vile racism' WWW.THENATIONAL.SCOT TORY staff and activists are running Facebook pages which are riddled with white supremacist slogans and Islamophobic attacks... Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts   Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts - London Post LONDON-POST.CO.UK A coordinated network of 36 Facebook groups opposing London’s ultra-low emission zone (ULEZ), run by Conservative councillors and...  
    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
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      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.

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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.
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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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help with Marshall Hoares Bailiffs‏/NDR


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emailed marshall got this reply

 

MARSHALL HOARES do not accept correspondence via email.

 

In order to receive a response you will need to go to our website and complete the ON-LINE FORM.

 

Visit:

http://www.marshallhoares.com/contact.php

 

REMEMBER this email WILL NOT BE READ. You must use the on-line form.

 

Yours Faithfully

 

 

 

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

Marshall Hoares Bailiffs Limited.

Registered Company No.: 6871092

Consumer Credit License: 631168

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How can I send a recorded letter to a po box :mad2:

 

Thats why i said it. They are a very VERY shady company.

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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Yep. To be honest, i would email or mail the address that QQ state for all correspondance. Then go from there. If MH try to be awkward, they can easily be put into their place with a few remarks in a letter.

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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had a letter today from appleton massey solicitors dated 30/4/2011saying they are acting on behalf of ndr and that i have 7 days from the date of the letter to pay the outstanding ammount if not county court proceeding will be issued against me without further notice total debt 262

court fee 45

solicitor costs 150

in the event judgment is obtained it is likelyn that we will be instructed to enforce judgment against you

issuing a warrent of exection to instruct bailiffs to sieze and sell goods to value of debt plus costs and intrest

application to court for attachment of earnings

if own own home applying for a charging order which gives us the right to seek sale of your property

in the event the debt exceeds 750.00 we may issue statutory demand against you which if unpaid will result in bankruptcy

in order to avoid claim your payment must be sent to ndr to contact ring 08453810843 or via there contact form

IMPORTANT PLEASE NOTE THAT ALL PAYMENTS AND RESPONSES MUST BE SENT TO NDR PO BOX 155 SHEFFIELD S98 1HX

 

THE LETTER IS 9 DAYS OLD SO WHAT DO I DO?

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Send them a letter saying you are dealing with the original creditor/NDR and you do not acknowledge anything from Appleton Massey. They cannot keep passing the account around when you are currently disputing it. The content of the letter is also contrary to OFT guidelines on debt collection.

 

Also, from the last part of the letter, it seems that it is a bit fishy. Since they are telling you to only ring NDR, even when this so called solicitor has contacted you.

  • 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

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I'd say follow their advice for now. Also put in the letter to NDR, that you have tried multiple times to contact both the original creditor and NDR to arrange repayment or negotiate a final sum, yet to date, you have had no discernible reply.

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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do i still put have tried multiple times to contact both the original creditor and NDR to arrange repayment or negotiate a final sum, yet to date, have had no discernible reply.if I am sending the no knowledge of debt letter? im getting them all sorted ready to send tomorrow bit conserved about sending recorded to a po box address though can i still send it recorded?

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If you have no knowledge then send them the prove it letter. Then ignore them. It is up to them to prove you owe them then. If they try to send you more letters you can claim damages for stress and harassment plus also contact the SRA about appleton.

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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contacted sra appleton are regited with them but they seem really suprised that they had said not to contact them and only to contact NDR they did give me the tel num for community legal advice so i am talking to them at min

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community legal have told me that i must report to oft which i have done and that if Appleton/NDR tooth fairy/qq persist with harasment then they will back me in court if it goes that far as they think it is just empty threats and harassment they are giving me to get me to pay something i do not owe they have confirmed that if i did owe the debt it would appear on my credit file and it does not in any shape way or form i have emailed all concerned again and asked for postal address as they all seem to be ignoring me and i have printed out the dispute letter ready to send by recorded delivery whether it to po box or not it is going asap.

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Send them the harassment notice by email, and get reporting them to the OFT and especially OFCOM.

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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reported them to oft ect still getting text count down always at 14.07pm on the dot i have had 30 text in 3 weeks from them they tell me to go to quick quid and press pay now ive looked on there site and there isnt even that option not that i owe them anyway

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Did you send the telephone harrassment email and have you complained to ofcom?

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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just tried marshall hoares web page entered details and got - Sorry - Your loan could not be found.

Please make sure you have entered the same details you applied with.

what does that tell you?

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my count dfown with marshall hoares ended yesterday and i havent heard anything from them then i get this email from NDR

Thank you for your message.

Your total outstanding balance is £262

If you are unable to pay this as a one off payment, the minimum monthly payments we will accept is £26.20 over a 10 month period.

Please confirm that this is accepted by you, the date that you will be making payment on and whether you wish for us to set this up to take payment automatically?

If you have any questions please don\'t hesitate to call us on 0843 381 0843

Yours sincerely,

COLLECTIONS (129)

NORTHERN DEBT RECOVERY

 

 

last time i checked i hadnt contacted them

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If you didnt contact them, then ignore it. Theyre known for trying it on. I'm still of the opinion MH and NDR are one and the same, despite what they say.

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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i think so too had a reply from oft there reply is below i never mentioned tooth fairy so i am assuming they are aware of whats going on with them i have aslo sent a complaint to citizen advice about them too.

Thank you for your complaint about Toothfairy Finance Limited and their associates Northern Debt Recovery Limited and Marshall Hoares Bailiffs Limited received on 14 May 2012.

If you require further advice, please contact the Citizens Advice consumer service either by telephone (08454 04 05 06) or online at www.adviceguide.org.uk.

The Citizens Advice consumer service is the first point of call for consumers, providing first tier advice on a range of consumer matters, including advice on shopping, information on consumer rights and practical guidance on individual problems and how to gain redress. Where the Citizens Advice consumer service identifies a need for further assistance, it can also refer consumers to other organisations, such as local authority Trading Standards Services, who may be best placed to assist.

Unfortunately, because of restrictions imposed upon us by Part 9 of the Enterprise Act 2002, we are unable to give information about any action that may be taken in response to your complaint. The OFT has no authority to become involved in disputes between consumers and traders and so we cannot offer you any direct help with your complaint or advise you directly in this matter.

With regards to your complaint on Appleton Massey Solicitors I note you have sought advice the Solicitors Regulation Authority [sRA] who the regulatory body for solicitors in England and Wales.

Thank you again for writing to us and bringing this matter to our attention.

Yours sincerely

Phyllis Solis

Enquiries and Reporting Centre

Office of Fair Trading

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Looks like its a trip to the CAB then on the express advice of the OFT.

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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have emailed the cab as i cant get an appointment for love or money with them had an email from Marshall Hoares today as follows

 

BY LETTER AND EMAIL

 

Online payment ID: *********

 

Outstanding amount: 262

 

Commence Proceedings

 

Client: Quick Quid - Quick Quid

Client Ref: 12513602

 

Date: 15/05/2012

 

We write to inform you that we have not heard from you and that we have been instructed to commence active recovery procedures against you for the collection of the above arrears which remain outstanding.

 

Full payment of the outstanding amounts is hereby demanded within 7 days of this notice to prevent further recovery procedures commencing. Further recovery procedures which we will undertake are:

-further letters and telephone calls to contact you at your home and place of work

-our agent will make visits to your premises for the purpose of obtaining payme nt

-we will gather all evidence and prepare your file for presentation to your local County Court

 

Should you be unable to pay in full within 7 days, an instalment plan may be accepted depending on your circumstances.

 

If you wish to pay by instalments you should contact one of our customer service operators as soon as possible on 08433811111.

 

Yours Faithfully

 

 

 

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

they are supposedly the same company as NDR so why are they emailing me as well as NDR see post 46 they are annoying me now ive done everything i can to stop this as i do not owe debt as ive previously said its not on my credit report that i owe this to qq and i have no knowledge of it

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sorry wrong post number had email yesterday from Ndr as below

 

Dear ******

 

Thank you for your message.

Your total outstanding balance is £262

If you are unable to pay this as a one off payment, the minimum monthly payments we will accept is £26.20 over a 10 month period.

Please confirm that this is accepted by you, the date that you will be making payment on and whether you wish for us to set this up to take payment automatically?

If you have any questions please don\'t hesitate to call us on 0843 381 0843

Yours sincerely,

COLLECTIONS (129)

NORTHERN DEBT RECOVERY

0843 381 0843

 

 

thought i had posted it on here my mistake

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well just recieved my post and my recorded letters sent to NDR and Marshall hoares have been returned to me and i can not send a message to either of them on there contact page now as it will not allow me too VERY STRANGE

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