Jump to content


  • Tweets

  • Posts

    • or go really bold ... Further to my request for a copy of the agreement you refer to on ( date) I made a section 78 request pursuant to the Credit Consumer Act 1974 to which you have yet to reply or respond. Pursuant to the Credit Consumer act 1974 section 78 (6) If the creditor under an agreement fails to comply with subsection (1)— (a) he is not entitled, while the default continues, to enforce the agreement.
    • Pers I'd stop paying the lot and get each defaulted by a dn issuance.  Defaults can't hurt future renting no Only ccj's Can't keep saying the same answers.    Dx        
    • Ok thank you. That’s where we are getting confused, as we’re not sure where we stand legally. But we’re still unsure who we should be going to now, the dealer or the finance company? I’m assuming the evidence we have (the reports from Mercedes) showing that the fault was there when we purchased would be sufficient to prove this? To be honest we would prefer to send the car back completely as are now concerned more problems may arise.
    • No no - I would complain via the CEO and Directors Office.     They sorted it in less than 24 hours for me. Complaint closed and compo issued. Info removed from CRA This morning. Credit Karma updated for me instantly almost.   
    • Hi, Thanks a lot for your valuable advice and apologies for bit delay in providing some additional information as requested before. I was also looking at other threads to get some more knowledge, apologies if my questions have already been answered in some other threads and I have missed them. I would appreciate if you can guide to relevant thread to help navigate easily. If I opt to go down the route of availing BS option, I'd find it more convenient if I do it in parts i.e., applying with 2/3 creditors at a time. Is that even possible in my case? I understand that DN might be the best option for me but I am trying to avoid this route as much as I can. I am currently living in a rented property with wife and 3 kids and I am not how this is going to play out in future if we decide to move to some other area. How will DN impact my intention of getting house on mortgage (dream as of today) after 6 years? If I go for DN strainght away, do I have to do it for all debts? for example, can i leave one active credit card out of this DN? what can i do if I go for DN right now but my financial situation improves in 1-2 years due to better job or promotion etc.?  Here are the details of my debts. Let me know please if you have any questions. Regards, MM Overdraft Halifax - £2,500 Starling - £500 (I can settle this immediately to keep this account active as back-up for salary and other priority expenses like rent, council tax etc.)   Personal Loans - Outstanding Amounts - No defaults or missed payments Plata - approx. £27,000 BetterBorrow - £3,450 Zopa - £14,000 Reevo - £2,800 Updraft - £2,230   Credit Card - Balances - No defaults or missed payments except those noted Virgin - £6,100 (This card is suspended.) Halifax - £5,474 (This card is suspended.) Barclays - £5,400 (I am currently on a fixed monthly payment plan of £232 for almost a year now and missed last month's payment.) Aqua - £3,100 Fluid - £2,100  
  • 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
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4291 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

URGENT ADVICE REQUIRED REGARDING COURTS SENDING LETTERS TO WRONG ADDRESS!!!!

 

Sorry this may be a bit of a long read but really need advice…

 

Background of the story – In November 2010 my boyfriend was not paying his TV licence as TV ariel broke and TV would not work (he was never in to watch it so didn’t bother getting it fixed). A guy from TV licence came knocking, my boyfriend explained the situation, the guy checked the channels and seen they were all fuzzy, etc, done a statement which my boyfriend signed then he left.

 

In March 2011 he moved address – by this time heard nothing back from TV licence people.

 

When he called to get new TV licence for new property it was mentioned about the problem at the old address and was advised if he paid for a new TV licence in FULL that day the issue would be ‘forgotten about’. So my boyfriend forked out for TV licence in full for new property.

 

In about August 2011 a letter was sent to his OLD address from TV licence to say were taking him to court (TV licence fine). (It was just chance letter was re-posted to us as the person living in his new address knew us). We wrote to them with new address and he did attend court – although this court case was more about him not responding sooner and about the fact they had the wrong address or something like that.

 

Anyway we heard absolutely nothing more about it until May this year – A summons on a tatty piece of paper was sent again to his OLD address!!!! Again, was only passed to us as we knew who was living in the house. We responded with all evidence against TV licence people and made a big fuss about not having the correct address AGAIN!

 

Then another letter from the court was delivered to his OLD ADDRESS AGAIN about a month ago. By this time we were sick to the back teeth of it going to the wrong address. Yes it was passed (only as we know the person who lives there) to us but how are they to know it would be. So as they got this wrong so much we sent it back “return to sender not at this address”.

 

Then this morning another letter was sent to his OLD address. This one looks quite official and red and from the courts. THEY HAVE SEVERAL PICES OF CORROSPONDANCE ON FILE (or they should have as we write to them twice with loads of evidence and complaints about wrong address and stress caused) WITH CORRECT ADDRESS ON!

 

The question is now, do we strike through again and return to sender. At the end of the day, if we didn’t know the person in his old house we would never have got any of these letters!!!!!!!

 

Does anyone know what will happen or can anyone advise what will be best to do? How many times can they be told his new address for goodness sake! They are supposed to be professionals and cant seem to get anything right!

 

Advice would be much appreciated ASAP.

 

Sorry for long post but wanted to explain situation in full for best advice.

 

Thank you

 

(I am posting this in as many forums as possible to seek advice urgently)

 

Kassy x

 

 

Edited by 42man
Edited duplicated post
Link to post
Share on other sites

It is extremely unhepful to us - and to yourself to make multiple postings of the same issue.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...