Jump to content


  • Tweets

  • Posts

    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received an Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.   Documents.pdf
    • Will the real criminals please stand   Biden 🤣GUILTY on all counts    Come September remember Americans don’t like tax dodgers 🤣
    • You of course ignore the fact that Farage actually helped raise £100,000 so that WW11 Veterans could actually attend the celebrations    Meanwhile oh to be in France 🤣  
  • 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

help - kensington going for eviction ** won -withdrawn**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4203 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

please no txt speak.

 

do you have all the statements?

 

if not

sar them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

thanx 4 ur info

 

i rung tha f.s.a up today

 

they said kensington could charge what they like, as we would of been fully aware of their fees when we took tha mortgage out,

 

contacted kensington again today and offered to get the payment plan back in place,

 

gotta ring up tuesday to see if head office will agree,

 

adn paid £500 off today

 

they finally let me pay that, which was strange as 2days ago wouldnt let me make a payment,

 

we would never have these arrears amounting to what they are if they would stop adding their charges on,

 

if they wont drop tha notice an allow us to get the payment plan back in place if not just wait 4 tha eviction date 2 arrive,

 

then get down tha courts soon as.. keep u updated thanx both 4 ur advice.

 

Don't understand this - if they fined them in 2010, then why say its ok now. Perhaps you got someone who did not know better. I would email a complaint to the fsa and mark it for the attention of enforcement and financial crime division (department who applied original fine)

Link to post
Share on other sites

what do you mean statements,

i have got a letter for the judge asking him to look at the reason why we are in arrears,

and also been trying for several weeks to get payment plan in place,

also a income & expenditure form,

plus the n244 form,

is that all is required ?

 

we are hoping that when we ring back on tuseday they will except the offer,

so we will not need to attend court,

if we get there will a duty solicitor be there ?

if not do you think its worth getting one as got a meeting with one nex week who might be able to help,

if we could get legal aid,

i could cancel the appointment if you think its not worth it..

Link to post
Share on other sites

legal is not my best game

 

i was enq about the statement re making a spreadsheet for a charges reclaim

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Don't understand this - if they fined them in 2010, then why say its ok now. Perhaps you got someone who did not know better. I would email a complaint to the fsa and mark it for the attention of enforcement and financial crime division (department who applied original fine)

 

The FSA fine levied on Kensington was not about the £50 arrears charges but rather related to other matters.

 

You should look at both the DB and GMAC fines levied by the FSA if you are considering attempting to recover the arrears charges.

 

You might also wish to consider looking at the FSA's statement on Cheshire Mortgage Company terms to determine if the Kensington terms are "fair" according to the FSA.

Link to post
Share on other sites

The FSA have made it clear that mortgage charges should reflect the actual cost of dealing with the arrears and should not be part of the lender's core revenue. T

his means they must be proportionate, truly reflect the lender's administrative costs and not produce a high margin of profit.

As the charges are incidental to their main business they should be assessed for fairness.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

so are kensington allowed to charge £50 for being in arrears,?

 

as i rung them up & asked could we have a breakdown on the missed payments also the charges they have added on

 

they said it will cost me £20 for the informatiion.

 

i have spoken to 15 members of their staff over the period 23rd october to todays date 23rd november

 

i am sure they just read off a screen in what to say as they all say the same thing "its with the referal team"

Link to post
Share on other sites

send them an SAR £10 PO

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

finally heard back from kensington they are going to withdraw the eviction notice, so relief"d..

 

if it wasnt for this site i dont know how we would of got threw tha past two weeks,

 

people on here reading what they are going through, & the help & advice from who gave it much appreciated,

 

hope everyone who is fighting to stay in their homes do so.,

 

kensington sending letter to confirm what they agreed, new year soon & hopefully new mortgage company, going to change companies.

Link to post
Share on other sites

finally heard back from kensington they are going to withdrew the eviction notice, so relief"d.. if it wasnt for this site i dont know how we would of got threw tha past two weeks, people on here reading what they are going threw, & the help & advice from who gave it much appreciated, hope everyone who is fighting to stay in their homes do so., kensington sending letter to confirm what they agreed, new year soon & hopefully new mortgage company, going to change companies.

 

Well done! Please keep posting about Kensington!

Link to post
Share on other sites

hey great result

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 weeks later...

you need to SAR them for £10

 

get all the statements that way

 

then get reclaiming ALL THE FEES

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...