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    • god what a long post but -  a very simple answer to it though  - simply WRITE BY SURFACE MAIL to all your creditors stating here is my new address since of date 3yrs ago. if you wish inc proof of residency in your EU country. not a lot they can then do. dx
    • It's probably a bit late for sending 4 to 5 letters! Although that does depend on the court date. Your brutal honesty is not far from the mark, though, I totally agree. @honeybee13 can probably summarise the court proceedings if we ask nicely.   @jk2054 it's a good point about the cash. It's a curious thing, but it's still very vague. There's been a mention of being to broke to afford fares, yet living off capital 🤷‍♂️
    • Your post is far too long. May put people off replying. I have edited into shorter paragraphs. Essentially if you have no plans to return to UK and the debt is unsecured and you have no plans to return to the UK, then the best option is to inform creditors of your EU address. Do you have social media accounts e.g. Facebook, LinkedIn?  If you do, then make them private. Otherwise they may try to contact you via employers. Creditors likely to get CCJ's using last know UK address, but not yet. They may wait possibly until 5 years after default. Once they  have CCJ, they then have 6 years to try to enforce. But a CCJ does not die, it is just they  need to go back to Court, if they wanted more time to enforce. So you are looking at creditors trying to enforce these debts into the 2030's ! Credit card or loan debts are civil matters, so no issue at borders.  Don't think they can get UK Court to agree to wage deductions.
    • please refrain from keep hitting quote just type in the msg boxes. are Cobham Hall School named as the claimant on the claimform please, if not who is. school T&C's that state they can add interest just because the debt has been passed to a no powers DCA can be challenged, you'll see this in the kingshill claimform threads already here on school fees. your defence will be almost the same as those threads but we need to get your ducks in line first, without assuming certain things and making errors before going forward, your defence is not due till 4pm 4th march. have you had an acknowledgement that your AOS has been accept form the court? dx    
  • 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
      • 160 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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