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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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    • 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.

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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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hi allI have posted various times about my ongoing situation - I have my hearing in Aug and due to submit my statement.I havent been able to write my statement I try to write it and get so stressed and end up having panic attacks I then end up not sleeping and generally going back months in terms of how I am feeling. I did go to a solicitor who said I had been unfairly treated, they did feel they had done things they shouldnt have done but didnt feel I would win based on them following the process correctly and only needing the belief I did something wrong so told me they wouldnt take my case as they didnt want to take my money for me to lose.So I am at the point where I feel I need to just drop the case, if I carnt bring myself to write the statement how on earth am I going to be able to turn up at the ET - I just dont think I will do, I dont want to face these people, hear the lies, go through the whole situation again. This has been with me for like 18months already I just want to move on.......What do you think my options are, can I do anything? my doctor recommends I drop the case and move on with my life. My mum is under the umpression I fight it and I could win some money! but I could lose and end up paying out money.I am torn I feel I cant do this, but dont want to live with the what if's.Can I pay somebody to write my statement and repersent me?what do you guys think.?

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If both your solicitor and GP are saying drop it, then that's probably what you should do. With respect to your mum, she isnt an employment lawyer and probably has no idea of what is needed to win an ET case and so telling you to fight it in case you get money isn't particularly helpful. If a solicitor has told you that you won't win, it's highly likely that's the case (they are gaining nothing financially by telling you this) and I can only suggest you listen to them.

 

It's always possible to instruct a solicitor to do the statements for you. We've taken on cases at every stage up to a day or two before the hearing! But it comes at a cost, which you now know you are unlikely to get back.

 

My advice would be to go to ACAS and try to achieve a low settlement, and if that doesn't work, get ACAS to negotiate with the respondent so that you have an agreement in place that you will drop the case and they won't go after you for costs.

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Has there been any approach to your for an out of court settlement?

 

Have you been to the Citizen Advice Bureau?

 

Your GP might say for you to drop it because it will solve the health problems that you are suffering from. In all honesty, if just writing your statement is proving to cause panic attack and sleepless nights, then how are you going to deal with the actual hearing itself, where an employment expert is going to be bearing down on you asking question about every aspect of your employment, and not in a nice way!

 

Sometimes its better to cut your losses and move on having learnt what you have learnt. You have to be strong to get through a tribunal, especially representing yourself.

I am not a legal professional or adviser, I am however a Law Student and very well versed areas of Employment Law. Anything I write here is purely from my own experiences! If I help, then click the star to add to my reputation :)

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if I decide to pull out of the claim whats the best way to do this then? I suspect they will chase me for money then! the thing is I know i did no wrong and I know they were just out to get me in the end to protect others within the business so i was never going to get my job back but i just cant prove this.

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Go to your ACAS conciliator and ask them to put an offer to the respondent that you will withdraw providing they don't chase you for costs. They'll then put some COT3 wording together, probably with confidentiality clauses, and once it's signed you can then confirm withdrawal with the ET.

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to add to this, I have contacted my person at ACAS who is on holiday till next week and I am then cutting it fine with the dates for the statement to be completed by - seperate to this i have had another load of paperwork from the respondent to add to the bundle some of which I dont beleive is relevant and some ive not seen so it just gets worse and worse!!

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