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    • Thousands more passengers could face delays or cancellations after an arson attack on France's train network on Friday.View the full article
    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.   It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.   Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
  • 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
      • 162 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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Hi,

 

I am looking for a bit of advice here with regard to 247 Moneybox. I have got myself into a terrible state through Payday Loans and I am taking steps to get back on track by contacting everyone I owe money to and trying to arrange repayment plans. I e-mailed all the payday loan companies I owe money to last week and informed them I would be unable to make payment to them when I got paid on Friday. I am behind on my rent, council tax aswell as charges I owe to my bank and I also have no food in my flat. Life on a day to day basis is just a constant worry. I asked all the companies I owe money to not to take money from my account on Friday. I knew they would ignore me so I sat up on Thursday night waiting for my salary to go into my account so I could transfer my wages to my friends bank account so I could get access to the money. I was refreshing my online banking account every 5 minutes and when my wage eventually went in at 2am I attempted to transfer this money to my friends account but before I could do this 247 moneybox had taken £176.16 from my account. Is there anything I can do to get this money back. I am going to be left unable to get to work and begging people for food handouts if I cant. I don't want to be a burden on friends and or family. I hate myself for getting into this state. To put everyone in the loop this is due to a gambling addiction which i am trying to overcome. I just want my life back on track and get these people out my life. I may need further advice on other companies but I want to see if anything can be done with 247 moneybox at the moment

 

For information purposes here is a copy of the e-mail I sent 247 moneybox. Any advice would be appreciated

 

Dear Sir / Madam,

 

I am writing with regard to my loan with 247 Moneybox.

 

Please accept my sincere apologies but i am going to be unable to make my scheduled repayment of £176.16 on the 22nd February 2013.

 

I have a very severe gambling addiction which has put me in huge financial difficulties, I owe money to several payday loan companies which includes your company. My relationship with my parents has broken down and I am no longer living with them. I have had to seek alternative accomodation from the local council. I am now living at xxx and my postcode is xxx. Please do not attempt to contact me on my parents home phone number which is xxx. My new contact home telephone number is xxx. If you have to contact me at home please use this number when doing so.

 

I will not have the funds in my bank account for you to collect the payment due. The wage I am receiving will only cover what I owe the local council for rent and council tax, which is payable in advance, and also the bank charges which I am due to pay Nationwide. Therefore please do not attempt to take any payment from my bank account using my Visa Debit card details supplied. I ask that you cancel with immediate effect the CPA (contiuous payment authority) that was setup when I took this loan out. I will also be asking my bank to cancel this.

I would now at this point like to arrange a payment plan with you and ask that you freeze any interest and charges going forward so I am able to pay off this debt with you as quickly as possible. I do wish to state at this point I want to repay the debt in full and have no issue doing this. With my financial state though I wll need the support of 247 Moneybox to enable me to do this.

 

It is with great regret that I am having to ask for a repayment plan, but due to these unforeseen circumstances which have now effected my ability to repay the loan to you, I have no other alternatives available. I will have to contact all of the other payday loan companies whom i owe money to and attempt to arrange repayment plans with them which will hopefully allow me to get back on track financially.

I must inform you in the strongest manner that I do not wish to be contacted at my place of work at any point regarding this loan as this could jeopardise my employment and therefore I would not have the monies to repay the loan to you. My work telephone number was only provided for you to confirm that I was employed and that my place of work had a working land line, and this is what you informed me when setting up the loan. My work environment is not a place for me to discuss personal finance matters. Please only contact on my personal mobile number or the new landlne number I have provided you with above after 5pm or at the weekend. Any calls before 5pm will not be taken as I am at work. I am also happy to be contacted by e-mail or letter at my new address provided above. Please note should I find I am being contacted by 247 Moneybox on my work phone number then I will seek immediate legal advice as I have now given you prior notification regarding this.

 

Whilst I am arranging repayment of the loan with yourselves, and throughout the duration of any repayment period, I wish you yo be aware that I am fully aware of the OFT debt collection guidance and I will consider making a complaint about a company's behaviour under the guidance if it becomes apparent that you do not follow the legal guidelines and would have no other alternative than to seek legal advice. In particular section (2.2 g) 'Ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them.

I have no doubt that your company fully understands my situation and will adhere to Section 40 of the Administration of Justice Act 1970, the Protection from Harassment Act 1997 and The Consumer Protection From Unfair Trading Regulations 2008 when attempting to resolve these issues to the satisfaction of both 247 Moneybox and myself.

 

I do hope however that these issue do not come to pass and that we can arrange a payment plan to alleviate the stress of my whole situation, and to also enable the repayment of the loan to your company as promptly as possible

I look forward to hearing from you and will help in any way I can to organise repayments to your company as soon as possible.

Kind Regards

xxx

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Really feel for your situation and hope you get help with the gambling soon, it can be overcome if work hard and use the help that's available.

 

You can try phoning your bank and stating that you removed there right to taken eh from your account and if you send them proof of the email they may class it as unauthorised and credit the money back to you.

 

I would certainly get a new bank account setup ASAP for future wages.

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Thanks for the kind words I know I can and will get there but it will take a lot of hard work and effort but I really want my life back

 

With regard to 247 moneybox Nationwide are saying they cannot do anything as I didn't cancel the CPA through them. Is there anything else anyone can think of doing or am I just going to have to write this money off as gone. Like i said in my situation I cannot really afford to do this as this is going to leave me struggling to eat and more importantly get to and from work. Obviously if I am not working I wont get paid which just worsens the situation

 

I will arrange for a new current account to be opened tomorrow for my future wages. From having a look around here it seems Barclays will open me a basic current account without any credit check so think I will go with them unless anybody has any better recommendations?

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