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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Small Claims Court - England or Scotland?***Resolved***


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Hi,

 

I'm self employed and live near Sheffield and I've carried out some work for a customer near Aberdeen.

They have made a part payment, but are holding back just short of £1000 as they believe I haven't fully completed the work.

 

I believe I have completed as much of the work as I can and have explained my reasons via emails and recorded letters.

 

I have also offered to go to a mediation provider, but the customer has made no response.

 

Should i consider issuing court proceedings? and if so, would I use the English or Scottish Courts?

 

Many thanks in advance.

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Hi penneyman and welcome to Cag

 

The rules for service of legal proceedings outside the jurisdiction differ for companies and individuals located outside the jurisdiction. In some rare circumstances, the Court may dispense with service in the usual way, however the court would need to be satisfied that there are good grounds for doing so.

The rules governing service out of the jurisdiction can be divided into two parts those where permission of the court is required and where permission is not required.

 

Permission not required

 

Scotland and Northern Ireland

 

A claimant may serve a claim form out of the jurisdiction on a defendant in Scotland or Northern Ireland, and that service can be so carried out without permission of the Court. Thereafter, the Claimant may proceed to serve other court documents by the same method as used for serving documents in the jurisdiction, for instance by first-class post. This is an exception to the general rule that service must be affected in accordance with the law of the receiving country.

 

Regards

 

Andy

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Main one being if they don't pay you will have to use the Scottish Courts to execute the judgment and of course you will have to attend any hearings in the defendants local county court.

 

Regards

 

Andy

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  • 1 month later...

Hi, if you are dealing with a consumer they can only be sued in their local jurisdiction under Art 16 Brussels Reguation 14/2001. You will need to sue them in Scotland.

 

But why haven't you completed the work? If you are contracted to provide some work and then can't do it, you have breached your contract and can't insist on full payment. The fact that you have a good reason for not completing the work is not really relevant, at the end of the day the customer hasn't got what they contracted for. It would be good to hear some more details if you want people's thoughts on this.

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  • 1 year later...

Update.

 

Managed to sort out the issue with the customer, eventually!

 

For the record I wasn't able to complete the job during my visit for two reasons:

 

another piece of equipment was needed, which was ordered, but didn't arrive during my visit. (the customer had previously ordered all the equipment and confirmed they had everything before I arrived)

 

there was also a fault with the equipment and a local engineer was called to do a repair, but it wasn't fixed while I was on site.

 

The equipment couldn't be commissioned without the missing part and while it was still faulty.

 

The customer wouldn't pay until the equipment was commissioned and insisted I do this myself (remember this would be an overnight stay and an 800 mile return journey) or pay for a local engineer.

 

We both agreed that I should talk the customer through the commissioning over the phone, which went smoothly.

 

Thanks

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Thread title amended....pleased that you managed to resolve this penney.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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