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    • as well as informing them of a fault, you must also formally assert your right to reject the vehicle under the Consumer rights act. This must be done within 30 days of purchasing it. if you haven't done this and it is still within the 30 days then you should do it immediately by email and confirm in writing  
    • Good point from HB.   Before you see a solicitor start trawling everything you have for relevant papers -  emails, letters etc. + All the documentation you have relating to the purchase of the house. And copies of everything else that you mention about bills, tenants etc. That could all amount to a lot of paper.    Then take a photocopy of everything you have found ready to give to your solicitor.   And make some notes for yourself in detail about everything you remember.   Incidentally, it's just my opinion that  will  need more legal advice than can be given here. Maybe someone will come along who is an expert in this. But TBH I think that is unlikely, that's why I recommend you get your own solicitor asap. Because (a) it's legally complex and (b) there's a lot of money at stake for you.
    • I represented a family member in an Employment Tribunal which was awarded in their favour.  Background: The respondent failed to provide a bundle and came unprepared as he had planned for their finance employee to attend, but they were ill which left the respondent with no information on the day. The Judge gave the respondent the opportunity of 3 hours adjournment over lunch to get bundles but he declined and agreed to accept whatever decision the judge made. Once the judge verbally provided their judgement (recorded by herself for court process purposes) which was in my family member's favour, the respondent asked if he could appeal. The judge advised that the appeal process would be advised within the judgement documents (sent in post) and he could follow them once received. The respondent posted a small bundle of documents to both the tribunal and ourselves, but did not include any letter or application for reconsideration within the 14 days but the judge has decided they add nothing to the case and has closed the case, placing his bundle of documents on file.   I have spoken with both the Tribunal office involved (case closed) and London Court of Appeal who have received nothing in this matter.   Firstly, Which is the best way to secure payment from the respondent? Secondly, The Judgement states that the Claimant is eligible to claim 8% interest but is this from the day following the expiry of 14 days when payment was due, or the day following the expiry of 42 days which the respondent has to appeal? and how do I calculate the daily rate please of £2,500?   TIA
    • Lantern (QQ)   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.   27/08/2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The defendant owes the claimant £481.16 under a regulated loan agreement with casheuronet llc t/a quidquid dated 03/01/2012 and which was assigned to the claimant on 20/12/2017 and notice of which was given to the defendant on 20/12/2017 (debt). Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £481.16 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 3.91% per annum amounting to £18.83   What is the total value of the claim? £584.99   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL   When did you enter into the original agreement before or after April 2007 ? After - 03/01/2012   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lantern   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (via email) from MMF with no letterhead   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Couldn't afford them   What was the date of your last payment? 25/02/2016 then again 01/06/2018 (yes a paid again when they chased me)   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - rejected my DMP for one I couldn't afford.   
    • I think friends worry is that that the original initiator of the Claim will step in again. The original Claim and repo hearing was made by the freeholder for non payment of service charges.  The bank stepped in and paid the service charges.  Then when friend didn't pay mortgage the bank asked the judge to re-open the Freeholders Claim.  Friend paid the bank arrears.    But now friend is worried that the freeholder will return to re-open the same Claim. Ping-pong between bank and freeholder !!  Unless this particular Claim is stayed/ struck out
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Hi

I was wondering if anybody can help, I made the stupid mistake of getting into debt but I have got most of it sorted other the then my payday loan from swift money.

 

I have tried to come to an agreement to clear the debt but they are asking for 8000 pound for a 100 pound loan.

 

I cant afford to pay very much towards them and hoping for some advice to deal with them

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Hi,

 

A bit history of how this loans gone from £100 to £8,000 would help, or is that a typo and you've added one zero too many ?


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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No typo, my outstand balance is 8000, im not sure how it has gone so high. I got the loan a couple of years ago and defaulted, from what I can understand they charge 1% each day of the balance. Up to November last year I was paying them 20 pound a month but they kept adding charges and interest.

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Hi,

 

Send them this e-mail or letter.......................

 

 

Dear Sirs / Madam

 

I am in receipt of your email / letter dated XXXX

 

Firstly your claim that I owe £8000, I would like to state categorically that I dispute the amount owed. By return I would like you to please give me a full Breakdown of how this debt is made up, including your charges.

 

Secondly if it is your intention to issue a statutory demand then it will be defended with vigour. In fact it would be extremely interesting to see what a judge would say in light of CPUTR2008, the Consumer Credit Act and your governing body's code of conduct.

 

If you do not give me a complete breakdown within 7 days I will open a case with the Financial Ombudsman who will charge you £500 just to investigate my complaint. I am also forwarding your email to the Office Of Fair Trading, my local MP.

 

Once I have a full breakdown of how the debt is made up then I may be in a position to make some repayments.

 

However if it is your intention to issue a statutory demand then I will produce this letter to the judge when the issue of costs arises.

 

I trust this makes my position completely clear.

 

Yours faithfully

Edited by maroondevo52

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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One thing to add to the advice above, copy in Stella Creasy MP. She has some pull with journalists for national newspapers, especially the Daily Mail, and once she hears about the extreme charges being levied against you, im sure she and her friends would be VERY interested.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you for the reply's.

 

I will email them and let you know what they say to me

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