Jump to content


  • Tweets

  • Posts

    • Hi Schipoo and thank you for the update.   Excellent news for you and a huge relief, I imagine. You might like to start a new thread about Independent Tax if you want advice on that problem. HB
    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
    • President Ruto says Kenyans pay less tax than citizens in some other African countries.View the full article
    • As PM Sunak really showed his true colours at the D Day Commemorations by doing what? Oh I am the British PM lets just leave early I have better things to do and as he is called out on disrespecting all those veterans that served our country for the freedoms we have today he gives a groveling apology to little to late. He knew about this event for a long time and also knew that this is probably the last D Day Commemoration due to the age of those Veterans who gave so much for there countries freedom. Even on the day of the D Day Commemoration he still could have changed his plans As PM and stayed but choose not to showing such DISRESPECT to those Veterans, those that lost there lives and Families for the Freedoms we have today Being a Veteran myself I have never known a PM to show such disrespect what the hell was he thinking SHAME ON YOU PM SUNAK  
  • Recommended Topics

  • 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
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4264 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Paul

Who are you PDL's with ?

Give them a basic income and outgoing.

I have only ever given them

 

Income £****

Outgoing £****

Available for creditors £***

Available for repayment to yourselves £**

5 out of 6 have accepted this, Minicredit being the only one to demand more. But I have never given any further info.

Link to post
Share on other sites

Ahh. The usual three. as frugal said, give them a very basic income form, but do not give them ANY specific creditor information such as reference numbers or even names of creditors.

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

Link to post
Share on other sites

Paul

PDUK were okay to deal with, PDE were stubborn but rene's advice was bang on and I just kept on and on emailing, eventually they gave in to a repayment plan. Minicredit as you know are ongoing.

Link to post
Share on other sites

Thank you. I owe PDUK about £80. Not a lot I know, but I could still do with spreading it over 3 to 4 months. PDE I owe £360. Not sure how I am going to pay that. Can't really say what I owe Minicredit because It seems to increase daily. About £530 so far not including the £60 quid they managed to loot from my account.(Original loan was only £100!!!). FrugalJo, I have been following your saga with Minicredit with much interest....

I will send them all a basic I&E first thing. Thanks for your advice. Have a good weekend guys!

Paul

Link to post
Share on other sites

With minicredit, work on the basis you only owe the original loan plus interest. They LOVE to add on random charges for anything and everything, and none of them are legally enforceable.

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

Link to post
Share on other sites

Whatever was on your agreement is what you owe.

 

A creditor is allowed an I&E form if you want them to consider a repayment plan. However, they are not allowed any specific details and they are not allowed to inflate your proposal for repayment. They can either say yes or no. They arent allowed to suggest a higher rate.

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

Link to post
Share on other sites

A creditor is allowed an I&E form if you want them to consider a repayment plan. However, they are not allowed any specific details and they are not allowed to inflate your proposal for repayment. They can either say yes or no. They arent allowed to suggest a higher rate.

 

Actually, for the best chance of getting any creditor to accept a repayment proposal is to send a comprehensive I&E complete with info about other creditors. This way the creditors can all see that an offer is fair and reasonable. They could suggest a higher rate if the figures listed within the outgoings are over recommended guideline figures - and such figures are quite generous.

Link to post
Share on other sites

What i meant was that specific names/references shouldnt be given. You can list it as "credit card 1: " Personally i wouldnt give them more details, as you never know what a PDL would do with the info. Remember Andrew Hart? The guy who actively went looking for people who had access to the NI database, so he could get peoples employment details in order to contact the employer? He was posting on linkedin and i think twitter as well.

 

I think that thread is still around somewhere.

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

Link to post
Share on other sites

The reason i mentioned ref numbers was because a while ago we had a report or two that some PDL's were asking for a reference number to ensure the debt was real.

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

Link to post
Share on other sites

The reason i mentioned ref numbers was because a while ago we had a report or two that some PDL's were asking for a reference number to ensure the debt was real.

 

Don't give that info out. It's not necessary.

Link to post
Share on other sites

  • 2 weeks later...

Minicredit sent me a letter today. I owe over £600 now on a £100 loan and they say they are sending a doorstep collector. I couldn't care less about the collector. I just wish they'd communicate properly. They still havn't sent me a breakdown of the account despite me asking three times. It's almost as if they are delaying things on purpose so they can add the charges...:| Does anyone have any advice on my next step with these clowns?

Link to post
Share on other sites

  • 2 months later...

Minicredit have finally emailed me a breakdown of the account...

1. Loan principal GBP 100.00

2. Interest in total GBP 145.00 (1% of the Principal per day)

3. Overdue penalty GBP 25 (was added on the 1st day overdue)

4. Overdue penalty GBP 55 (was added on the 3rd day overdue)

5. Debit Attempt fees in total GBP 640.00 (every unsuccessful attempt to receive the repayment costs up to GBP5)

6. Debt Recovery fee GBP 100 (was added on the 30th day overdue)

They go on to say I have payed £90 which leaves the total outstanding at £975. I don't know wether to laugh or cry!

They also say 'According to the Loan Agreement You have to make all payments with a debit card and the only possibility to make payments is available on Your MiniCredit.co.uk online account.' Although my account is now blocked!? Can anyone advise me how to handle this as it seems to be getting out of hand. Thank you.

Link to post
Share on other sites

Ok. I'm going to reply to minicredit to tell them that the penalty charges and debit attempt fees are unenforcable but that I am prepared to make payments to the original loan amount and the interest to date. I think this is fair and it would reduce what I owe by about £800. Im not really expecting them to accept but I'm going to try!

Link to post
Share on other sites

Dont say theyre unenforceable. Say that you consider them unfair and you are placing the account into serious dispute until the charges are removed in full or they can justify the amounts they are applying.

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

Link to post
Share on other sites

Unless.opos own the debt, just deal woth minicredit.

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...